Privacy Statement - CreditGUARD of America

We at CreditGUARD of America Inc. value you as a client and respect your right to privacy. We understand that maintaining the confidentiality of your financial situation is of the utmost importance to you, and that you have turned to us for help based upon our experience, competence, professionalism, and sense of responsibility. We want to make sure you understand what information we gather about you, how we use it, and the safeguards we have in place to protect it. We also want you to understand that, when you request our assistance you are asking us to intervene with your creditors on your behalf, and that the sharing of certain nonpublic information with them is a necessary part of the credit counseling process.

Our Principles for Privacy Protection

CreditGUARD of America Inc. does not share your financial information with any non-affiliated third parties other than those who help us provide assistance to you, and in turn are required to maintain such information in strict confidence. We will not rent or sell your name or certain personal financial information to any outside organization or marketer, who can provide additional assistance to you, as long as you exercise your "Opt-Out" rights. We further maintain security practices and procedures designed to ensure the security, integrity and confidentiality of your personal financial information. And, we educate our employees about safeguarding client information and preventing unauthorized access, disclosure or use, while limiting employee access to client information to those who need it to assist you.

What information do we disclose?

We may disclose the following kinds of nonpublic personal information about you:

Information we receive from you on applications or other forms and from other communications with you, such as your name, address, financial account numbers, Social Security number, assets and income.
Information about your transactions with us, such as your account balance, monthly payment obligations, payment history, and method of payment.

Who do we disclose information to?

We do not disclose any nonpublic personal information about our clients or former clients to anyone, except as permitted by law.

We may disclose nonpublic personal information about you to your financial service provider creditors; such as banks, savings and loans, credit unions, mortgage bankers, finance companies, credit card issuers, affiliates and partners.

How do you Opt-Out?

CreditGUARD of America Inc. has many Marketing Partners that may offer services that will be useful to its clients. Some personal information may be shared with these Marketing Partners, unless the client chooses not to allow CreditGUARD to share this information. This is called Opting Out. If you do not want your information to be shared with CreditGUARD's Marketing Partners, and wish to "Opt-Out," you must either send an e-mail to service@CreditGUARD.org or write to Customer Service, Dept. "Opt-Out," 791 Park Of Commerce Blvd., Suite 500, Boca Raton, FL 33487. You must include your name, client number or phone number, and the words "Opt Out." Further, state that you do not wish to have your personal information shared with our Marketing Partners.

How do we protect information?

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide assistance to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Questions or Corrections

If you have any questions about our privacy policy and practices please call toll free:

1- 877- 435- 7373 or 1- 877- HELP- FREE

For corrections to any personal data in our files, please submit a written request to:

CreditGUARD of America, Inc.

791 Park of Commerce Blvd, Suite 500

Boca Raton, FL 33487

Note: Please be sure to include your name, current address, client identification number and/or phone number in all correspondence.

Association of Independent Credit Counseling Agencies

counselor@creditguard.org
CreditGUARD of America • 791 Park of Commerce Blvd • Suite 500• Boca Raton, Florida 33487
Copyright © 2007 CreditGUARD of America, Inc. All rights reserved.
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