Privacy Policy - updated September 19th 2005

Web Related

Site Statistics
Our site statistics product collects information about visitors to this web site. This information will not be sold, transferred or disseminated to any other entity. The information collected is non private and is not linked to individual visitors.

Contacting the Web Site
If you have any questions about this privacy statement, the practices of this site, or your dealings withThe Credit Network, Inc., please Contact Us.

How We Use and Protect Your Personal Information

Dear Client:

We are committed to protecting the privacy and security of our clients’ personal information and ensuring the accuracy of such information. We collect information about you to enable us to complete your credit counseling and debt management program, conduct our business in a manner consistent with federal and state laws and regulations, provide you with information and offers on services to meet your future needs, and to satisfy legal requirements. We will give you a new Client Privacy Statement whenever we change our privacy policies or practices, and this statement replaces any prior statements about our information practices. You may be concerned about issues of privacy in connection with the following:

• What kind of personal information we have, and where we get it
• What we do with the personal information we have about you.
• How we protect that information.
• How you can find out what information we have about you.
• What choices you have about information sharing

This notice principally governs our use of nonpublic personal information. Non-public personal information generally means financial information that is identified with you and is not obtainable from a public source.

What kind of personal information do we have, and where do we get it?
In conducting our business, we collect and maintain various types of information about our clients including the following:

• Information that we receive directly from you in applications and other forms that you deliver to us and from communications with you, which may include information such as your address, telephone number, Social Security number, assets, income, and the types, balances and account numbers of your credit accounts.

• Information we compile from your transactions or experiences with us, which may include your account balances and payment history and information we receive from other sources such as when your creditors verify your credit or other-type relationship with them. This may include information such as your employment history, loan and/or credit card payment history and balances.

• Demographic or other information we assemble about you, which is not assembled for the purpose of determining your eligibility for credit counseling or any other product or service you request.

• Also, when you visit our web site, we may collect information to measure the use of our site and to assist us in improving the content of our site; however, we do not collect information about visitors to our web sites unless you voluntarily choose to provide it.

What do we do with the personal information we have about you?
This information is used by us primarily for the purpose of credit counseling and debt education. Your financial information forms the basis of financial analysis that is conducted internally. In accordance with your signed Client Agreement, we will also share and exchange your personal information with your acknowledged creditors or those who have purchased or been assigned the debts you have listed with us and with third party companies that work for us to perform customer services related to your credit counseling. We may share information about you as required by law. We may also disclose non-public personal information about you to companies that perform marketing or other services on our behalf, to outside financial institutions with whom we have joint marketing agreements, or to nonaffiliated third parties, such as financial service providers and non-financial companies.

How do we protect this personal information?
We restrict access to nonpublic personal information about you to those parties described above including employees and/or customer service providers who need to know that information to provide products and services to you. We and our service providers maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

How can you find out what information we have about you?
You may access your personal account information via our secured website, or through verbal or written contact with the company.

What choices do I have about information sharing.
As discussed above, from time to time, we will share your personal information with affiliated and non-affiliated companies. If you prefer that we do not disclose your non-public personal information (other than transaction information which we are authorized to do under applicable law) among our affiliated companies, or that we do not disclose your non-public personal information with non-affiliated third parties, you may opt out of those disclosures; that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties (other than disclosures permitted by law), you may do so by filling out the mail-in privacy choice attached to this notice and mailing it to P.O. Box 283, Syosset, NY 11791. For two-party accounts, an opt out choice made by either signer of the Client Agreement will apply to the entire account. Please allow several weeks for your opt out request to take effect. Your election to opt out will remain in effect until revoked by you in writing. If you choose to opt out, we will, however, continue to share your non-public personal information with third parties as permitted by applicable law.

PDF of Privacy Policy and Opt Out Form.

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