WHAT DOES INCHARGE DEBT SOLUTIONS (INCHARGE) DO WITH YOUR PERSONAL INFORMATION?
Financial organizations 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.
The types of personal information we collect and share depend on the program or service you request from us. This information can include:
- Social Security number
- Employment information
- Income and expense information
- Asset and liability information including your mortgage information
- Credit history
- Credit card or other debt information
All financial organizations need to share client personal information to provide the programs and services requested by the client. In the section below, we list the reasons financial organizations can share their clients’ personal information; the reasons InCharge chooses to share; and whether you can limit this sharing.
|Reasons we can share your personal information||Does InCharge 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.||Yes||No|
|For our marketing purposes – to offer our programs and services to you||Yes||Yes|
|For joint marketing with other financial organizations||Yes||Yes|
|For our affiliates’ everyday business purposes – information about your creditworthiness||Yes||Yes|
|For our affiliates to market to you||Yes||Yes|
|For nonaffiliates to market to you||Yes||Yes|
|For our research and statistical analysis purposes – to improve our services to you and to other consumers||Yes||Yes|
Questions and how to limit our sharing?
Call toll free 888-734-6229 or send us an email to firstname.lastname@example.org. You may also send a written statement to us at 5750 Major Blvd., Suite 300, Orlando, Florida 32819. If you are a new client, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our client, we can continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Who we are and what we do?
Who is providing this notice?
This privacy notice is provided by InCharge Debt Solutions.
How does InCharge protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal and state law. These measures include computer safeguards and secured files and buildings.
We collect your personal information, for example, when you:
- Seek credit counseling, budget counseling, bankruptcy counseling and education, housing counseling, debt management services from us
- Register on line or set up an account with us
- Give us your income and expense information
- Provide us your employment and financial information
- Provide information to us through our website
- Give us your mortgage information or request assistance with a lender loan modification process.
We also collect your personal information from others such as credit bureaus, creditors and other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only:
- Sharing for affiliates’ everyday business purposes – information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for non-affiliates to market to you.
The information you provide to us is necessary for InCharge to provide services to you. If you could limit us from sharing all information, we would be unable to help you or provide you with our programs and services. State laws and individual companies may give you additional rights to limit sharing.
What happens if I hold an account jointly with someone else?
Your choices will apply to everyone on your account.
Companies related by common ownership or control. They can be financial and nonfinancial companies. InCharge’s supporting organizations; InCharge Education Foundation, Inc. and InCharge Institute of America, Inc. are affiliates of InCharge.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners may include other nonprofit organizations and credit counseling trade groups.
Other Important information
For Nevada residents – We are providing you this notice under state law. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number 702-486-3132; email: email@example.com. InCharge Debt Solutions, 5750 Major Blvd., Suite 300, Orlando, FL 32819; Phone number 888-734-6229 email: firstname.lastname@example.org.
For Vermont residents – Under Vermont law, we will not share information we collect about Vermont residents with companies outside of our supporting organizations, unless the law allows. For example, we may share information with your consent, to service your accounts or under joint marketing agreements with other financial institutions with which we have joint marketing agreements. We may share information about our transactions or experiences with you with our supporting organizations without your consent.
For California residents – Under California law we will not share information we collect about you with companies outside of InCharge, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide the programs and services you request. We will limit sharing among our supporting organizations to the extent required by California law.
Last Updated November 3, 2014