| Alliance is committed to fully protecting and preserving the privacy of its clients. Please take a few moments to read this statement and comfort yourself with the knowledge that Alliance discloses only the information that it must to serve you effectively.
You are receiving this statement partially due to new federal laws regarding the disclosure of nonpublic information.
Alliance will not distribute client information to third parties, except where it is necessary to perform quality services for clients, as described below.
This Applies To
This statement applies to those individuals who have applied for credit counseling assistance or have gone through an initial consultation, and to clients, with whom there is a continuing relationship.
Information Collected
Through telephone, fax, mail, and electronic communication, personal information will be gathered, including address, social security number, telephone number, email address, and demographic information.
Through the aforementioned channels, financial information will also be collected, including information related to your debts, income, expenses, and checking/savings account as needed.
Internal Sharing
Information will be shared within Alliance as is needed to communicate with you, manage your accounts, and properly handle disbursement.
For the purpose of marketing research, portions of your information may be used to build an internal statistical report on our client base. This will not reveal any personal information.
External Sharing
A necessary portion of your personal and financial information will be used to communicate with your creditors and/or bank to perform disbursements.
Information will not be shared with corporations other than with Alliance, your creditors, and your bank as needed. Alliance does not report any information to credit bureaus.
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By law, third party financial institutions receiving information from Alliance may only use it in the ordinary course of business to carry out the activity for which it was received, and can only disclose it to affiliates of the originating institution or its own affiliates.
Protections for Information Privacy & Security
Physical and electronic files are only kept within the confines of the Alliance corporate offices and approved secure backup sites. Access is restricted to authorized personnel.
Information Storage
The information you supply Alliance will remain in corporate files for as long as is necessary to provide services, and for a reasonable period of time following the completion or termination of services.
Opt-out
Alliance fully complies with federal regulations regarding opting out in that disclosure is “made only in connection with servicing or processing a financial product or service that a consumer has requested or authorized.”
If your account is active, and you are not comfortable with this level of information sharing, please contact us to inactivate your account.
If your account is inactive, your information is no longer used internally or externally, except for record keeping and audit purposes.
Online Privacy
Information may be gathered when you visit the Alliance web site, including Internet Protocol (IP) addresses, Uniform Resource Locator (URL) tags, and basic operating system and browser information.
Electronic security is maintained through the use of Secure Socket Layer (SSL) encryption and firewalls.
Notes
Alliance refers to:
Alliance Credit Counseling, Inc.
13777 Ballantyne Corporate Place, Suite 100
Charlotte, NC 28277
704-341-1010
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