Privacy Policy
Website Privacy Policy
Revised September 2024
What information do we collect?
We collect information from you when you register on our site, respond to a survey or fill out a form.
When ordering or registering on our site, as appropriate, you may be asked to enter your name, e-mail address, mailing address, or phone number. What do we use this information for?
Any of the information we collect from you may be used in any of the following ways:
To personalize your experience
Your information helps us to better respond to your individual needs.
To improve our website
We continually strive to improve our website offerings based on the information and feedback we receive from you.
To improve customer service
Your information helps us to more effectively respond to your customer service requests and support needs.
To process transactions
Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested.
To send periodic emails or mail
The email address or mailing address you provide may be used to send information, respond to inquiries, and/or other requests or questions.
To contact by phone
The phone number you provide may be used to contact you by phone, including on a mobile device using automated messaging. ACCC’s Short Messaging Service (SMS) program sends automated messages using automated technology to subscribers who have opted in to receive information from ACCC. These messages may include reminders, alerts, tips, and other information related to financial management and credit counseling. ACCC’s policy is to refrain from initiating any communication with you unless you have expressly solicited us to call or text.
What Information do we Collect from Other Sources/Third-Parties?
ACCC will obtain information from third party sources with a client’s consent. This requires a client to integrate or connect their ACCC account with third-party service providers to be able to obtain the most accurate financial information. This can include information from credit bureaus, banks, and other financial institutions. The information obtained from these third-parties varies based upon what is available. Examples of financial information include: account balances, credit accounts, and transaction histories.
ACCC allows clients to use Plaid Technologies/Yodlee to gather data from financial institutions. By integrating, the client acknowledges that the information will be processed in accordance with the Plaid Technologies/Yodlee Privacy Policy and grant ACCC the same rights, power, and authority as specified therein.
Webinars
ACCC hosts monthly live financial literacy webinars, which are recorded and require registration. We collect name, email, and state information that may be used to promote future webinars or information about our products and services. All webinars may be used for marketing & promotional purposes. Attendees participating will participate without video (image) or voice recording and are encouraged to participate via text chat only.
How do we protect your information?
We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your personal information. We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to keep the information confidential. We maintain your non-public personal information in accordance with our record retention guidelines.
Do we use cookies?
Yes. Cookies are small files that a site or its service provider transfers to your computers’ hard drive through your Web browser (if you allow) that enables the sites or service provider’s systems to recognize your browser and capture and remember certain information. We use cookies to understand and save your preferences for future visits.
Interest-Based Advertising Program
We participate in Interest-Based Advertising (IBA) programs, which means that we and third-party vendors use cookies or other tracking technologies to serve you advertisements based on your interests and browsing behavior. These advertisements may be shown on our site or on other sites you visit. You can opt out of interest-based advertising by visiting the Digital Advertising Alliance’s opt-out page or adjusting your browser settings to limit tracking.
Do we disclose any information to outside parties?
We do not sell, trade, or otherwise transfer any of your personally identifiable information to outside parties. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Third party links
Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We, therefore, have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
Social Media
We interact with users on various social media platforms (e.g., Facebook, Twitter, LinkedIn) and through our website to provide information and engage in conversations related to our services and industry topics. When you interact with our official social media pages or use our website, please be aware of the following:
- Information We Collect: We may collect and process personal information that you voluntarily provide when you interact with our social media pages, such as your name, username, comments, posts, messages, and any personal information you provide through our website’s forms or interactive features.
- Use of Information: The information collected may be used to respond to your inquiries, provide customer support, personalize your experience, and improve our services. We may also use aggregated and anonymized data for analytical purposes.
Public Information: Please remember that any information you share on our social media pages or through our website’s public or interactive areas may be visible to others, depending on your privacy settings and the platform’s policies. Exercise caution when disclosing personal information. - Third-Party Websites: Our social media pages and website may contain links to third-party websites or applications. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.
- Advertising: We may use social media platforms and our website for advertising purposes. These platforms may use tracking technologies to deliver targeted advertisements based on your interests and interactions.
- Your Choices: You have choices regarding how your information is collected and used on social media platforms and our website. You can manage your privacy settings and preferences directly on each platform and through our website’s settings.
Children
We are committed to protecting the privacy of children. Our services are not intended for children under the age of 13. We do not knowingly collect or maintain personal information from any person under the age of 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information from our records.
Security
The security of your personal information is important to us. When you enter sensitive information (such as contact information, user names, and passwords) on our registration or order forms, we encrypt that information using Secure Socket Layer technology (SSL). We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. If clients have any questions about the security at our Web site, clients can contact us at edu@consumercredit.com.
Opt-out
Our clients are given the opportunity to “opt-out” of having their information used for purposes not directly related to our site at the point where we ask for information. For example, our email newsletter has an opt-out mechanism so clients who do not want to be contacted via email will be taken off of our lists. To opt-out, send an email to edu@consumercredit.com.
SMS texting
ACCC utilizes Short Message Service (SMS texting) campaigns to effectively communicate with our clients in a timely manner and a lot of our clients find this method of communication not only convenient but also helpful. ACCC’s SMS (texting) will be used for transactional purposes, non-marketing & marketing relating directly to a client’s account and discussion, for example:
- Request for client feedback regarding ACCC’s services
- Request for signature on required forms
- Payment change notification
- Missed payment notification
- Follow-up messages
SMS DETAILS
- SMS Message frequency will vary and ACCC will never spam you!
- SMS Message and data rates may apply depending on your mobile carrier plan
- Mobile carriers are not liable for delayed or undelivered messages
- ACCC will never sell or share your information with a third party
OPT-OUT
- Reply STOP to unsubscribe at any time to our text
- You will then receive a text confirmation of your ‘opt-out’
- Email request to QA@consumercredit.com
- You will then receive an email confirmation text of your ‘opt-out’
- Call in to verbally request to ‘opt-out’ at 1-800-769-3571
- Written notice to American Consumer Credit Counseling, Inc. 130 Rumford Avenue, Suite 202, Auburndale, MA, 02466-1371
State Specific Privacy Rights
California’s Shine The Light Law
Under California Civil Code Section 1798.83, California residents with whom we have an established business relationship have the right to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us at QA@consumercredit.com
Nevada Residents
Under Nevada law, Nevada residents have the right to opt out of the sale of their personal information. American Consumer Credit Counseling does not sell your personal information to third parties as defined under Nevada law. If you are a Nevada resident and have any questions regarding our data practices or wish to exercise your opt-out rights, please contact us at QA@consumercredit.com
Access for DMP Clients in the CreditU app
Please note that participation in the Debt Management Program (DMP) provides clients with complimentary access to ‘My DMP’ within the CreditU app. No additional subscription or payment is required to utilize this feature.
Online Privacy policy only
This online privacy policy applies only to information collected through our website and not to information collected offline.
Consent
By using our site, you consent to our online privacy policy.
Changes to our privacy policy
If we decide to change our privacy policy, we will post those changes to this page.
Client Privacy Policy
Facts:
What does American Consumer Credit Counseling, Inc. do with your personal information?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and credit card or other debt
- Account balances and payment history
- Income and checking account information
When you are no longer our customer, we continue to share your information as described in this notice.
How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons American Consumer Credit Counseling, Inc. chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does American Consumer Credit Counseling, Inc. share? | Can you limit this sharing? |
| For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes – To offer our products and services to you | No | We don’t share |
| For joint marketing with other financial companies | No | We don’t share |
| For our affiliates’ everyday business purposes – Information about your transactions and experiences | No | We don’t share |
| For our affiliates’ everyday business purposes – Information about your creditworthiness | No | We don’t share |
| For nonaffiliates to market to you | No | We don’t share |
Other Important Information
American Consumer Credit Counseling, Inc only contacts consumers that have reached out to us for help. ACCC never cold calls consumers and does not implement any auto-dialing technology to make phone calls. All first-time interactions between a client and ACCC will be initiated by the client through a phone call to ACCC or an online application on our website.
Who we are |
|
| Who is providing this notice? | American Consumer Credit Counseling, Inc. |
What we do |
|
| How does American Consumer Credit Counseling, Inc. protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
| How does American Consumer Credit Counseling, Inc. collect my personal information? | We collect your personal information, for example, when you
We also collect your information from other companies. |
| Why can’t I limit all sharing? | Federal law gives you the right to limit only
State laws and individual companies may give you additional |
Definitions |
|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|
If there are any questions regarding this privacy policy, you may contact us using the information below.
American Consumer Credit Counseling
130 Rumford Ave, Suite 202
Auburndale, Massachusetts 02466
info@consumercredit.com
800-769-3571
American Consumer Credit Counseling, Inc designated Copyright Agent is:
Katie Ross
130 Rumford Ave, Suite 202
Auburndale, Massachusetts 02466
kross@consumercredit.com
617-559-5700
Say goodbye to the burden of debt
Struggling to manage your debt and improve your financial health is a thing of the past with the CreditU mobile app, an essential tool for anyone looking to manage their personal finances with ease.
