Privacy

Your Privacy
At American Credit Counselors, Inc., respecting the privacy and security of your personal information is important to us. We encourage you to read this policy carefully and call us to discuss it if you have any questions. We want to make sure that your personal information is protected, and that you understand the policies that protect you. You'll find the same terms used in many companies' privacy policies.

Cookies and Browsers
This site uses a feature of your browser called a "cookie" to assign a "Client ID". Cookies, by themselves, cannot be used to find out the identity of any user. Your Client ID automatically identifies your computer - but not you - to our servers when you visit Acchelp.com or other ACCI web sites. Unless you specifically tell us who you are (for example by completing an application), if you are just browsing our site, we will never know who you are even though we assign you a cookie. This site contains links to other sites. If you use a link to visit the site of another company, we cannot be responsible for the privacy practice or the content of that company or its site.

Safeguarding Client Information
We only grant access to nonpublic personal information about you (such as your name, address social security number and credit history) to company employees and affiliated and non-affiliated service providers so that they can provide or offer products and services to you, process and service your accounts, and administer our business.

Our Code of Conduct requires that your information remain confidential . Even if you are no longer our client, we will continue to treat your nonpublic personal information in the same way as if you are still a client. In addition, we maintain physical, electronic and procedural safeguards that comply with federal standards to guard this personal information. Some state laws may further restrict the sharing of you nonpublic personal information.

Collection of Information
We collect nonpublic information about you from the following sources:

* From you, on forms, via the Internet, by telephone or otherwise. Examples of this type of information includes your name, address, social security number, credit history and other financial information.

* From transactions with us, our affiliates or with others. For example, your payment histories, account balances, and other transaction records.

* From third parties to verify information you have given us.

Uses of Shared Information
We may share all the information that we collect, as described above, for the following purposes:

* To provide you with the products and services your requested.

* To offer you additional products and services, from us or from others, that may be of interest to you.

* To comply with reporting and other legal requirements.

* To otherwise conduct business.

Information Sharing Among Our Family of Affiliated Companies
Any company that is owned or controlled by ACCI list affiliates, its affiliated companies, and the other companies owned by ACCI may receive information that we have obtained from you. That information is referred to in this Privacy Policy as "transaction information."You have the right to ensure that other information is not shared with our affiliates. If you don't want us to share this information please send us the request in writing to opt out. Once we receive your opt out request, we will stop sharing this information as soon as reasonably practical. our opt out will apply to all accounts you hold individually and to all accounts you hold jointly with other persons. Your opt out will not apply, however, to any accounts your joint account holders hold individually or jointly with personal other than you. In your joint account holders wish to opt out as to such other accounts, they will need to submit a separate opt out request.

Information Sharing with Nonaffiliated Third Parties ads Permitted by Law
We are permitted by law to share all the information we collect, as described above, with (1) companies that perform marketing services on our behalf and (2) with other institutions with whom we have joint marketing arrangements. For example, we may share all the information we collect, as described above, with other nonaffiliated third parties that assist us with preparing monthly statements and with the processing and printing of checks. Please be advised that the opt out rights described below will not apply to the sharing of information with these third parties or to the sharing of information with marketing service providers and joint marketers as described above.

Information Sharing with Other Nonaffiliated Third Parties and Your Opt Out Rights
Unless you request otherwise, we may share all the information we collect, as described above, with additional types of nonaffiliated third parties, such as:

* Financial service providers, such as life insurance companies for whom one or more of our affiliates acts as agents.

* Nonaffiliated companies, such as firms that offer value-added packages of products and services including discounted travel services, discounted hotel accommodations and shopping services.

If you prefer that we not share your nonpublic personal information with these nonaffiliated third parties, you may opt out of those disclosures (other than those permitted by law) by sending us the request in writing. We will stop sharing this information as soon as reasonably practical. Again, your opt out will apply to all accounts you hold individually and to all accounts you hold jointly with other persons. Your opt out will not apply, however, to any accounts your joint account holder held individually or jointly with persons other than you. If your joint account holders wish to opt out as to such other accounts, they will need to submit a separate opt out request.