Privacy Policy
CONSUMER/CLIENT PRIVACY POLICY
Last Updated: May 29, 2025
We at Consolidated Credit (“Consolidated”) respect your privacy and your desire to keep your personal and financial information private. This Privacy Policy (hereinafter sometimes referred to as the “Notice” or “Privacy Policy” or “Privacy Notice”) is intended to allow you to understand what information we may collect from you, how we may use it, and what safeguards we have in place to protect your personal information. This Privacy Policy governs the privacy policies and processes relating to our website, your personal portal access, as well as to our client services.
I. Agreement to this Policy:
This Privacy Policy is incorporated by reference Consolidated’s Terms and Conditions, including your obligation to arbitrate your claims under this Privacy Policy pursuant to your agreement to arbitrate in Section XII of our Terms and Condition’s titled Dispute Resolution by Binding Arbitration. By using, interacting with, entering information, or viewing information on this Site, you expressly acknowledge and consent to this Privacy Policy in its entirety, including providing you your consent to our use and disclosure of information collected from, or about, you in the manner described herein. You agree that Consolidated will rely on your use and interaction with this Site as your express consent to the terms of this Privacy Notice and your agreement to arbitrate your disputes with us.
Our Privacy Policy Principles Overview
In connection with a request for our credit counseling services, you may be required to provide us with certain non-public personal identifiable information (“PII”) and non-public personal financial information (“PFI”). In addition, we may collect other Information which is defined as any information other than Personal Information that does not reveal your specific identity or does not directly relate to an individual, such as browser information, information collected through cookies, pixel tags and other technologies, demographic information, aggregated and de-identified data. We maintain practices and procedures designed to ensure the security, integrity, and confidentiality of your PII and PFI. Some these practices and procedures include: (i) requiring all of our employees to execute non-disclosure and confidentiality agreements; (ii) we educate and train our employees about safeguarding client PII and PFI in order to prevent unauthorized access, disclosure, or use; (iii) we limit employee access to client PII and PFI to those preforming necessary functions in assisting clients, such as yourself, during the credit counseling process.
As part of the credit counseling services you understand that it may be necessary to share certain PII and PFI with your creditors and expressly authorize us to share your PII and PFI with your creditors on your behalf. Consolidated does not share your PII and PFI with any non-affiliated third parties without any connection to our services to you, and you authorize us to share PII and PFI with affiliated and non-affiliated third parties who help us in providing assistance and/or services to you. Any party with whom we may share any PII and/or PFI us required to maintain it in strict confidence. We do not sell your PII or PFI to any outside marketer.
II. What personal identifiable information and/or personal financial information may/do we collect?
Consolidated may collect the following categories of PII and PFI:
- General Identifying Information: General Identifying Information may include, but not limited to, you full name, postal address, e-mail address, telephone number, social media account ID, profile photo, other data made publicly available, or data made available by linking your social media or other similar identifiers.
- Demographic Information and Important Dates: Demographic Information and Important Dates may include, but not limited to, you gender, language preferences, nationality, and/or date of birth.
- Financial Information: Financial Information may include, but not limited to, your credit, debit, or other payment data, bank account information, personal financial statements, or other financial personal information about you or your household.
- Credit Information: Credit Information may include, but not limited to, your credit score, credit accounts status, and other creditworthiness information about you or your household.
- Internet or Other Electronic Information: Internet or other Electronic Information may include, but not limited to, your web history, search history, interactions with a website, email, applications, or advertisements, IP address, IP Host location, enabled cookies, or any other information that may be automatically obtained from you while making use of the Sites.
- Geolocation information: Geolocation information may include, but not limited to, your real-time location or GPS coordinates data provided by your computer or mobile device or web browser, data derived from your IP address, general location based on nearby Wi-Fi networks or cell towers, location history records, geotags in content uploaded to the Site, or other user location information entered by you.
- Categories that may be considered Sensitive Personal information: Such information may include Government Identifiers, Financial Information, Credit Information, or other sensitive information as defined by applicable law.
- Inferences drawn from the above information about your predicted characteristics.
In addition, Consolidated may collect what is known as Sensitive Personal Information (“SPI”) which includes but is not limited to:
- Social Security number.
- Credit score and credit reports.
- Investment information and accounts.
- IRS documents.
- Personal financial statements.
- Any other information, beyond the categories above, which is used or associated with a financial account belonging to you or your financial well-being.
III. How, and from what sources, may we collect PII, PFI, and SPI belonging to you?
We may collect non-public PII, PFI, and SPI belonging to you from the following sources:
- Information we receive from you on applications or other forms submitted by you, whether submitted through the Internet or manually, as well as through face-to-face conversations, telephone calls, our web-portal, and e-mail communications. This information may include, but is not limited to:
- Personal Identifiable Information or PII which may fall or does fall into the following information categories above, including but not limited to General Identifying Information, Demographic Information and Important Dates, Internet or Other Electronic Information, and/or Geolocation Information.
- Personal Financial Information or PFI which may fall or does fall into the following information categories above, including but not limited to Financial Information, Credit Information, or any information that combines Financial Information, Credit Information together with PII.
- Sensitive Personal Information or SPI which may include Government Identifiers, Financial Information, Credit Information, or other sensitive information in connection with PII and PFI.
- PII, PFI, and SPI that may be developed internally as part of your interaction and transactions with us.
- PII, PFI, and SPI that we may receive from your creditors (e.g. statements, balances, requests, letters, etc.).
- Certain PII is collected by most browsers and/or through your device, such as your Media Access Control (MAC) address, device type, screen resolution, operating system version and internet browser type and version. We use this information to ensure websites function properly, for fraud detection and prevention, and security purposes.
- From marketing or analytics partners, such as Google, Meta, or other third-party partners.
- From government agencies or public records.
- Various third parties, such as public databases, joint marketing partners, financial service providers.
IV. How do we protect information?
We take commercially reasonable precautions to protect your personal information and only provide employees access to it on a need-to-know basis. In an effort to prevent the unauthorized access, disclosure, dissemination, misuse, loss, alteration or destruction of your personal information, we have employed commercially reasonable physical, electronic, and managerial measures to protect your data, and we periodically review these policies and procedures to prevent these types of acts. However, despite our best efforts, no security policy, procedures or practices are adequate to protect against all types of threats or data losses and no type of data transmission method is impenetrable to interception.
Who has access to your information? All our employees, vendors, and service agents are required to maintain confidentiality of any PII, PFI, and SPI to which they gain access to as part of their work servicing you and providing you with credit counseling services. Despite all employees, vendors, and service agents having an obligation to maintain private your PII, PFI, and SPI, not all employees or servicing agents are given access to your PII or PFI. Only those employees, vendors, or servicing agents who might need to know your non-public PII, PFI, and SPI to provide you with assistance during the credit consolidation process have access to such information.
V. Where is the information stored?
All PII and PFI is stored on secured servers, which are constantly updated with the latest security protocols by our information technology vendors. We may also process and store your personally identifiable information on a server located outside of your jurisdiction. By providing your PII, PFI, and SPI, to us, you consent to the transfer of your information across national boundaries. If you do not consent to such transfer as well as the processing and storage of your personally identifiable information outside your jurisdiction, you should not provide such information to us. You acknowledge that Consolidated may use a third-party Information Technology provider which may own the servers on which the Consolidated consumer data, and/or be responsible for securing, storing, maintaining, backing, updating the servers that containing consumer data. The third parties who have access to the servers shall be subject to agreements and requirements to protect your information. US consumer information is stored on servers which are located within the United States.
VI. What information may/do we disclose?
- During the credit counseling process, and to assist you with your financial situation, we may be required to disclose certain PII, PFI, or SPI on your behalf. The PII, PFI, and SPI that we may disclose include any personal information located in the categories in section II of this Privacy Policy and needs to be disclosed in the credit counseling process.
- Information we receive from you on applications or other forms submitted by you, whether submitted through the Internet or manually, as well as through face-to-face conversations, telephone calls, our web-portal, and e-mail communications. This information may include, but is not limited to:
- Personal Identifiable Information or PII, and personal information in the categories in Section II of this Privacy Policy such as your name, physical address, e-mail address, telephone number, and date of birth.
- Personal Financial Information or PFI, and personal information in the categories in Section II of this Privacy Policy such as your creditors’ names and addresses, the amounts you owe your creditors, your credit card account or creditor account numbers (as applicable), your credit report and/or credit score, banking information (e.g. bank name, bank routing number, bank account number, account holder names, and bank phone number and address), and your income and living expenses.
- Information may be developed internally as part of your interaction and transactions with us.
- Information we may receive from your creditors (e.g. statements, balances, requests, letters, etc.).
VII. To whom may/do we disclose information?
We may disclose non-public PII, PFI, or SPI about you to your financial service providers such as banks, creditors, saving and loans, credit unions, mortgage bankers, finance companies, and credit card issuers. For fulfilling our mission and providing you with certain services and to process your requests and payments, we may disclose your PII, PFI, or SPI to one or more service providers or other third parties who are assisting us in performing such services, all of which are required to maintain such information confidential. Without limiting the foregoing, these third parties may provide us with data management, payment processing, and similar services. Additionally, if you fail to complete a program you enroll in, information may be referred to a servicing agent to contact you to provide additional financial services that you may want to consider.
We also share non-personally identifiable information about our user base with our advertising affiliates who drive traffic to our website to help them identify and target our ideal customer. For example, purpose only, and without limitation to such purpose, we may share non-identifiable click id for certain leads converted through our site with our marketing partners.
You also understand that we may be required to disclose certain PII or PFI in response to a subpoena or court order, or when required by law or when we in good faith believe disclosure is required by law, or to enforce our agreement and any other terms and conditions or polices with our clients. Such information may be shared with in-house or outside legal counsel, other lawyers and law enforcement members, and/or government agencies.
In addition, should we be unable to assist you we may, with your permission, transfer/transmit any data collected during your session with our counselors to another third-party service provider, which may be able to provide you with certain debt relief services.
VIII. For what purpose may/do we use information?
We may use non-public PII, PFI, SPI for the following purposes:
- Provide you with credit consolidation services and/or credit counseling guidance;
- Communicate with your creditors in effort to assist with your debt management program;
- Communicate with trusted third-parties if our credit counselors determine that you may not fit our program and you wish to hear of other options to assist with your financial situation;
- Educate you about various ways to improve your financial situation;
- Assist you to receive funds from various government assistance programs;
- Verify your identity and/or location (or the identity or location of your representative or agent) in order to allow access to your services, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of your personal information;
- For business purposes, including data analysis, audits, developing and improving products and services, enhancing the website, identifying usage trends and determining the effectiveness of promotional campaigns;
- For risk control, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements; and
- For regulatory compliance and other legal matters governing our credit consolidation or credit counseling services or our relationship with the customer.
IX. What rights do I have to control my information?
Depending on where you reside, you may have certain rights regarding the personal information we collect and share. Residents of applicable states, including California, Florida, Virginia, Colorado, Connecticut, Iowa, Indiana, Tennessee, Texas, Montana, Minnesota, Oregon, Delaware, New Hampshire, New Jersey, Kentucky, Nebraska, and Rhode Island, may be provided the right to make the following request, depending on applicable law.
- Request to Know. You may request to know whether we process your Personal information and to access such Personal information. You may request to receive the specific pieces or a copy of your Personal information, including, where applicable, a copy of the Personal information you provided to us in a portable format. Depending on where you reside, you may request that we disclose to you the following information:
- The categories of Personal information we collected about you and the categories of sources from which we collected such Personal information;
- The business or commercial purpose for collecting, selling, or sharing (if applicable) Personal information about you;
- The categories of Personal information about you that we sold or “shared” and the categories of third parties to whom we sold or “shared” such Personal information (if applicable); and
- The categories of Personal information about you that we otherwise disclosed and the categories of third parties with whom we disclosed such Personal information (if applicable).
- Request to Delete. You may request that we delete some of your Personal information. You understand that because Consolidated is required, in accordance with regulatory requirements, to maintain files for a certain period of time as provided in applicable regulations. Therefore Consolidated cannot upon request delete PII belonging to the client, which must be maintained by Consolidated to comply with the applicable regulatory requirements.
- Request to Appeal. If we refuse to act on your request, you may appeal our refusal within a reasonable period after you have received notice of the refusal.
- Request to Correct. You may request that we correct inaccuracies in your Personal information.
- Request to Opt-Out of Sale, Targeted Advertising, Limit Disclosure of Sensitive Information and/or Sharing. You may request to opt-out of the “sale” of your Personal information and/or targeted advertising, including the “sharing” of your Personal information for cross-context behavioral advertising purposes. You may also limit the Disclosure and Sharing of your Sensitive Information.
Submitting a Data Request
To submit a data rights request in accordance with the above, please visit our Data Rights Request page.
X. Privacy Terms regarding use of our website:
Websites, by their nature, collect certain information automatically from the users interacting with them. Consolidated Website is no different. In addition to any PII, PFI, or SPI, that users may provide through our website (e.g. name, address, phone number, basic financial information (if applicable), etc.), our website collects certain information automatically. This section of the privacy policy will address clients’ and non-clients’ privacy terms when interacting with our website.
- What personal information do we automatically collect through our website?
IP Address – An IP address is a unique address associated with your device or network. IP addresses are automatically logged along with the domain name which you are using at the time accessing our website. This information is logged and stored by Consolidated and its website administration vendors purely as a means of viewing website hits and traffic. Except as is discussed herein and below in “Other technologies including pixel tags, web beacons, and clear GIFs,” this information is not given to, or shared with any non-related third parties and is erased from our database on a regular basis. Your IP addresses are not used for any purpose other than those stated in this Privacy Policy.
Cookies – Cookies are small files that are downloaded by some websites to store a packet of information on your browser. Companies and organizations use cookies to remember your login or registration identification, site preferences, and pages viewed, so that the next time you visit a site, your stored information can automatically be pulled up for you. We use cookies as a means of identifying repeat visitors, improving our site interaction, advertising, marketing, and analytics, and capture functional actions by the user on our site. Some of the cookies that we capture are internal cookies, while others are third-party cookies. All internal cookies are captured subject to this Privacy Policy. All third-parties cookies are subject to the applicable third-party privacy policy. A cookie is obviously convenient but also presents potential security issues. You can configure your browser to alert you whenever a cookie is being sent. You can refuse to accept all cookies or erase all cookies saved on your browser. Changing your web browser’s setup to “reject” cookies does not prevent a user from visiting any portion of our website, however it may impact some of the functionality of the site. You understand and acknowledge that certain cookies are considered “essential” and therefore they will be captured regardless of whether cookies are accepted or rejected. If you reject cookies, you are rejecting only non-essential cookies. Essential cookies will still be placed and to remove them you should consult your browser setup. While Consolidated will act in accordance with your decision on the cookies notice disclosure, in any event, certain cookies will always be captured. Essential cookies which will be captured regardless of whether you accept or reject the cookies, and these cookies include: (i) internal and third party functional cookies which are required for the site compliance; (ii) third party and internal analytics and event tracking of user behavior (without capturing PII); (iii) Internal and third-partty site interaction recording cookies of user action on the site and various actions on site (capture of consent form (for example TrustedForm), capture of site scrolling, capture of site clicks); and (iv) Ad Pixels from specific ads which the user reached our site (For example, if you reached our Site from Facebook, a Facebook pixel will be placed on your computer. The same goes to any ad campaign from which a user may reach our site, including TikTok, Google Ad Campaign, Instagram, or any other ad campaign. Consolidated will deploy cookies based on its internal cookies policy, which you can act through your browser to control. Cookies are kept for a period of up to one (1) year depending on the nature of their use, and if they are captured by third parties, based on the collection policies of said third parties.
Other technologies including pixel tags, web beacons, and clear GIFs – These may be used in connection with some website pages, downloadable mobile applications and HTML-formatted email messages to measure the effectiveness of our communications, the success of our marketing campaigns, to compile statistics about usage and response rates, for fraud detection and prevention, for security purposes, for advertising, and to assist us in resolving account holders’ questions regarding use of our website. You understand and agree that we may use third party pixel tags, web beacons and/or clear GIFs that may give access to third parties to your information, including your IP address and browsing activities on pages of our websites where these devices are placed. You understand that we do not control any information gathered by such devices or their use by such third parties. Please see our Advertising section below for more information regarding our use of other technologies.
Google Analytics – We use a tool called “Google Analytics” to collect information about use of this website. Google Analytics collects information such as how often users visit this website, what pages they visit when they do so, and what other sites they used prior to coming to this website. We use the information we get from Google Analytics only to improve this website. Google Analytics collects only the IP address assigned to you on the date you visit this website, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit this website, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to this website is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits to this website by disabling cookies on your browser.
Third party widgets – We may allow certain widgets (e.g., social share buttons) on our websites that enable users to easily share information on another platform, such as a social media platform. The third parties that own these widgets may have access to information about your browsing on pages of our websites where these widgets are placed. You may wish to review information at the third party site, such as social media platforms where you have an account, to determine how these third parties collect and treat such information. Also, see Linking to other sites and Social media sites below.
Retargeting – As you browse our website, advertising cookies will be placed on your computer so that we can understand what you are interested in. Our display advertising partners, enable us to present you with retargeting advertising on other sites based on your previous interaction with consolidated credit. The techniques our partners employ do not collect personal information such as your name, email address, postal address or telephone number. See our cookies section to see how to go about to reject and/or delete cookies from your computer or device.
Google Interest Based Advertising Program – In order to enhance your experience when you visit our website, we participate in the Google Interest-based Advertising Program (“Program”) to ensure the advertisements on this website correspond to your interests. We do this by working with Google and other Program participants who, like us, place ads on our website and those of other Program Participants. We then share the information we collect using Web Cookies placed in your browser in order to provide you with targeted advertising when you visit the website. You may opt out of Google’s use of cookies by visiting and following the instructions on the Google Advertising Opt-Out Page which is available at https://support.google.com/adsense/answer/142293?hl=en.
- What are the external links and why are they on our website?
Moreover, certain links, cookies, and pixels to Meta owned sites and services are operated pursuant to their terms of service and privacy policy. Meta owns and operates each of the companies listed below, in accordance with their respective terms of service and privacy policies. We may share information about you within the Meta family of companies to assist in advertising our services based on the campaign that you have reached our Site. For more information on the Meta Companies’ privacy practices and how they treat individuals’ information, please visit the following links:
In addition to Meta, we capture and use certain links, cookies, and pixels of other websites, social media sites, service provider sites, and external ad or content sites, which we use as part of our ad campaign online. You understand and agree that these third-party cookies, links, and pixels are governed by the respective privacy policies, which we provide here, or may be added if we make use of these cookies in the future. You understand that Consolidated may not have control over the cookies as captured by these third parties, and you may be required to proceed pursuant to the below respective privacy policies:
- What are third-party beacons?
We may use third-party web beacons from Yahoo! to help analyze where visitors go and what they do while visiting our website. Yahoo! may also use anonymous information about your visits to this and other websites to improve its products and services and provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by Yahoo! visit https://yahoo.mydashboard.oath.com/device/ to learn how to opt out of this service.
- How do I access my account through the Member Portal on our website?
Member Portal – The Member Portal is a useful tool for our members who have enrolled in Consolidated’s debt management program. Members may choose to register into our portal which contain specific member information and allows the member to: (i) update personal details; (ii) access member’s accounts and manage the member’s creditor account information; (iii) track upcoming payments due on your account; and (iv) communicate with our customer service specialists. In order to register to the Member Portal, you will need to register a Username and Password. This username and password are unique to you. DO NOT SHARE IT WITH ANYONE, UNLESS YOU SPECIFICALLY AGREE TO PROVIDE THEM WITH ACCESS TO YOUR ACCOUNT. Consolidated will not be responsible for unauthorized access by those whom you shared your account information with as it cannot validate that it was not you who accessed it. If you are logging into member portal from a public computer, or through a public WIFI, such connections may not be secured and may expose your financial information to others. If you choose to maintain your information private do not log in using public access points. If you believe you were subject to unauthorized use and your password has been breached, please reset your password immediately and let us know if there are unauthorized changes on your account. If you fail to let us know of any unauthorized action, we will presume you made and authorized the changes in your account. If you forget your password, you may use the Forget Password tool to retrieve or replace your password.
- No collection of PII belonging to minors under 18
The website is not directed to individuals under the age of eighteen (18), and we request that these individuals do not provide Personal Information through the website. We do not knowingly collect information from children or minors under 18 years of age without parental consent. If you are a User under the age of 18, please do not send any Personal Information to us if we have not obtained prior consent from your parent or guardian. If we learn we have collected Personal Information from a User under the age of 18 without parental consent, or if we learn a User under the age of 18 has provided us Personal Information beyond what we request from him or her, we will delete that information as quickly as possible. If you believe that a User under the age of 18 may have provided Consolidated Personal Information in violation of this Privacy Policy, please contact us at our e-mail or physical mailing address listed in the “Contact Us” section of our website and we will take all reasonable efforts to remove the information. For more information about the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission website at https://www.ftc.gov/business-guidance/privacy-security/childrens-privacy.
- Social media sites
Consolidated provides experiences on social media platforms that enable online sharing and collaboration among users who have registered to use them. Any content you post on official Consolidated managed social media pages, such as pictures, information, opinions, or any Personal Information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms. Please refer to them to better understand your rights and obligations with regard to such content. In addition, please note that when visiting any official Consolidated social media pages, you are also subject to Consolidated’s ‘s Privacy Notices.
- Short Message Service (“SMS”) Use:
Consolidated may make available a service through which you can receive financial guidance and account notification on your wireless device using short message service (“SMS Service”). The frequency of the SMS Service may depend on various factors and therefore the amount of SMS received may defer from person to person. Please be advised the customers that have signed up for Consolidated’s services may receive messages on a more frequent basis. All SMS services are subject to express consent and compliance with applicable laws. Consolidated collects certain data from you in connection with this SMS service which may include your name, address, cell phone number, your provider’s name, and the date, time, and content of your messages. To use this service you must be at least 18 years of age and the owner or authorized user of the wireless device on which messages will be received. By providing us with a phone number and agreeing to our SMS Service, you acknowledge that you are at least 18 years old, that you are either the owner or authorized user of the wireless devise and phone number provided, and that you understand and agree that this service may be subject to an additional fee (if applicable). In addition to any fee of which you are notified, your provider’s standard message and data rates may apply to our confirmation and all subsequent SMS correspondence. All charges are billed by and payable to your mobile service provider. Consolidated will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS IS basis.
We will use the information we obtain in connection with our SMS Service in accordance with this Privacy Policy. If fees are charged to your wireless account invoice, we may provide your carrier with your applicable information in connection therewith. Your wireless carrier and other service providers may also collect data about your wireless device usage, and their practices are governed by their own policies. Consolidated is not responsible for any information collect by your carrier. Please consult the carrier’s privacy policy.
You acknowledge and agree that the SMS Service is provided via wireless systems which use radios (and other means) to transmit communications over complex networks. You must have a two-way text-enables phone with compatible carrier and plan. Compatible major carriers include Alltel Wireless, AT&T, Boost Mobile, Nextel, Sprint, T-Mobile, Verizon Wireless and Virgin Mobile USA. We do not guarantee that your use of the SMS Service will be private or secure, and we are not liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures best suited for your situation and intended use of the SMS Service. We may also access the content of your account and wireless account with your carrier for the purpose of identifying and resolving technical problems and service-related complaints.
- SMS and Phone Call Opt-In and Opt-Out
Consolidated strictly follows the Telephone Consumer Protection Act (“TCPA”). As such Consolidated will not contact you without your express written consent which appears on the Consolidated online intake forms. By completing the Consolidated intake form, you give your express signed prior written consent to authorize Consolidated, and direct representatives calling on its behalf to contact me via telephone calls or mobile device messages (including marketing calls and messages through by autodialing, text and pre-recorded messaging, AI generative voice, SMS, and MMS), even if your telephone number is currently listed on any internal, corporate, state or federal Do-Not-Call list. Msg. and data rates may apply, and you may opt out of text messages at any time by texting “STOP”, “END”, “QUIT”, “UNSUBSCRIBE”, or “CANCEL” to any SMS you receive or by going to Members of Consolidated and opting out from communications. Should you need help text “HELP”. You acknowledge that your consent is not required to obtain goods or services from Consolidated, and that I may choose to call Consolidated Credit’s representative instead at (855) 912-0491.
- Data Security and Retention:
To protect Personal information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include device safeguards and secured files and buildings as well as oversight of our third-party service providers to ensure information remains confidential and secure. While we follow generally accepted industry standards to protect the Sensitive Personal Information and PII submitted to us (both during your submission and after we receive it), please be advised that 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 and PII, we cannot guarantee its absolute security. If you have any questions about security on our website, you can e-mail us at privacy@consolidatedcredit.org.
We retain Personal information for as long as needed or permitted in light of the purpose(s) for which it was collected. The criteria used to determine our retention periods include:
- The length of time we have an ongoing relationship with you and as necessary to provide requested services to you;
- Whether there is a legal obligation to which we are subject (for example, certain laws require us to keep records of your transactions for a certain period before we can delete them); and
- Whether retention is advisable considering our legal position (such as, for statutes of limitations, litigation, or regulatory investigations).
- Newsletters and E-mail Communications:
When you provide your e-mail address on any form or as part of any request for information, you will be automatically enrolled in our e-mail newsletter and agree to receive email communications including periodic emails with important news, financial tips, tools and more from Consolidated. You can opt-out or unsubscribe from our newsletter or other e-mail list at any time by following the instructions at the end of the newsletter or e-mail you receive. Please allow at least ten (10) business days for changes to take effect. You understand that until the opt-out takes effect you may still receive some electronic communications or newsletters. Client service-related communications are an integral part of the services which you receive from us, and you may continue to receive such service-related emails even if you opt out of the newsletters or email list. If you have provided more than one e-mail address to us, you may continue to be contacted unless you request to unsubscribe each email address you have provided. You may also opt-out of receiving our newsletter or marketing emails by contacting us at unsubscribe or by replying to an existing email with your request to be removed from the mailing list.
XI. State Specific Notices:
If you are a resident of one of these states, you have certain rights with respect to personal information collected and the processing of your personal information which are subject to the applicable state privacy laws.
Notice to California Residents:
In response to a California law, we will automatically treat accounts with California billing addresses as if you requested Consolidated to not share your information with nonaffiliated third parties except as permitted by the applicable California law. Residents of the State of California may request a list of all third parties to which this website has disclosed certain information during the preceding year for those third parties’ direct marketing purposes. If you are a California resident and want such a list, please contact us at privacy@consolidatedcredit.org.
With certain exceptions, residents of the State of California may request (a) disclosure of personal information collected, (b) disclosure of personal information sold or disclosed for a business purpose, (c) deletion of personal information, (d) to opt out of the sale of personal information, and (e) access and data portability. Moreover, Consolidated will not discriminate based on your exercise of such rights. If you are a California resident and want to make any such requests, please contact us through via email at privacy@consolidatedcredit.org or via mail to 5701 W. Sunrise Blvd., Plantation, FL 33313. For all mailed requests, you must put the statement “California Privacy Request” in the body of your request, as well as your name, street address, city, state, and zip code. Please note that we are not responsible for requests that are not labeled or sent properly, or that do not have complete information. For all requests, you must put the statement “California Shine the Light Privacy Request” in the body of your request, as well as your name, street address, city, state, and zip code. Please note that we are not responsible for requests that are not labeled or sent properly, or that do not have complete information.
As a California resident, you have the following rights regarding your personal information:
- Access. You have a right, twice in a 12-month period, to request that our Company disclose to you the personal information that we collected about you, and any additional information about our collection, use, disclosure, or sale of such personal information, which is also contained in this privacy policy.
- Correction. You have the right to request that we correct inaccurate personal information under certain circumstances, subject to a few exceptions provided under California law. For information how to request the correction of personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
- Deletion. You have the right to request that we delete your personal information under certain circumstances, subject to a few exceptions, subject to a number of exceptions provided under California law. For information how to request the deletion of personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
- Opt-Out of the Selling or Sharing of your Data or Joint Marketing. You have the right to opt out of the selling or sharing of your data. You also have the right to opt-out of joint marketing effort that Company has with other financial service providers. The CCPA requires to describe the categories of personal information our company sell or share to third parties and how to opt-out of future sales or share of said information. The CCPA defines a “Sale” broadly to include the mere making of your personal information available to third parties in some cases. Under the CCPA the term “Share” is defined as providing personal information to a third party to target advertising to a consumer based on information about their activity on multiple websites across the internet. For information how to request an opt-out of the selling or sharing of your personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
- Disclosure Request. You have the right to request that we provide you with (i) a list of certain categories of personal information we have disclosed to third parties for their direct marketing purposes during the immediately preceding calendar year; and (ii) the identity of those third parties. For information how to obtain a disclosure request of your personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
- Appeal. You have the right to appeal Company’s decision to refuse to act on a CCPA data privacy request within a reasonable period after you receive our decision. To appeal our decision, you should send your objection to our denial via email to privacy@consolidatedcredit.org and to allow Company to review your data subject request. Within 45 days, Company will provide you with a written explanation of the justification for declining to act on your request.
- Authentication/Verification. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request (except for a request to opt-out of sales or sharing). Company may require you to provide any of the following information: your name, date of birth, your phone number, your Social Security number, the email and physical addresses. If you request that we provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request, or authorized personnel of the consumer making the request. You understand that Company may decline to process your request where: (i) Company is unable to authenticate that you are the person to whom the data relates; (ii) the request is unreasonable or excessive; (iii) or where otherwise permitted by applicable law.
- Retention. We retain personal data for as long as necessary to provide the Services and fulfill the transactions you have requested, comply with our legal obligations, resolve disputes, enforce our agreements, and other legitimate and lawful business purposes. Because these needs can vary for different data types in the context of different Services, actual retention periods can vary significantly based on criteria such as user expectations or consent, the sensitivity of the data, the availability of automated controls that enable users to delete data, and our legal or contractual obligations.
- Notice of Financial Incentives. Company may offer rewards or prizes for participation in certain activities that may be considered a “financial incentive” under California law. These activities may involve the collection of personal information. The categories of personal information we collect is limited to what information you provide us, but may include: identifiers, protected class/demographic information, commercial information, online activities, geolocation information (general and precise), sensory information, employment information, and inferences. Activities we engage in that may be considered a financial incentive include surveys where we may provide compensation such as a gift card or bonus in exchange for your time and responses, or a prize through your participation in promotions and sweepstakes. Participation in these programs may be subject to separate terms and conditions. Your participation in these programs is voluntary and you can terminate at any time as explained in any applicable terms. If we offer gift cards in exchange for your participation in a survey or when we engage in promotions or sweepstakes, the amount provided is reasonably related to the value of the data you provide, which takes into account a number of factors, including, the anticipated benefit we receive such as product improvement, better understanding how you use our products, to enhance our understanding of consumer and market trends, increased consumer engagement, and the anticipated expenses we incur in relation to the collection, storage, and use of the information we receive. The value may vary across surveys, promotions, and sweepstakes.
- Declining Requests. You understand that we may decline requests where granting the request would be prohibited by law, could adversely affect the privacy or rights of another person, would reveal a trade secret or other confidential information, would interfere with a legal or business obligation that requires retention or use of the data, or because the data at issue is not covered under the law you are asserting. Also, where permitted by law if you send us a request to exercise your rights or the choices in this section, we may charge a fee or decline requests in certain cases.
- Non-Discrimination. You have the right to not be discriminated against for exercising any of your privacy rights.
Notice to Nevada Residents. We are providing you this Notice pursuant to state law. You may be placed on our internal Do Not Call List by following the directions set forth above. Nevada law requires that we also provide you with 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; e-mail: BCPINFO@ag.state.nv.us.
Notice to Colorado Residents. If you are a Colorado resident, you have the following rights regarding your personal information:
- Access. You have a right, twice in a 12-month period, to request that our Company disclose to you the personal information that we collected about you, and any additional information about our collection, use, disclosure, or sale of such personal information, which is also contained in this privacy policy.
- Correction. You have the right to request that we correct inaccurate personal information under certain circumstances, subject to a few exceptions provided under Colorado law. For information how to request the correction of personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
- Deletion. You have the right to request that we delete your personal information under certain circumstances, subject to a few exceptions, subject to a number of exceptions provided under Colorado law. For information how to request the deletion of personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
- Opt-Out of the Selling or Sharing of your Data or Joint Marketing. You have the right to opt out of the selling or sharing of your data. You also have the right to opt-out of joint marketing effort that Company has with other financial service providers. The Colorado law requires to describe the categories of personal information our company sell or share to third parties and how to opt-out of future sales or share of said information. The Colorado law defines a “Sale” broadly to include the mere making of your personal information available to third parties in some cases. Under the Colorado law the term “Share” is defined as providing personal information to a third party to target advertising to a consumer based on information about their activity on multiple websites across the internet. For information how to request an opt-out of the selling or sharing of your personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
- Disclosure Request. You have the right to request that we provide you with (i) a list of certain categories of personal information we have disclosed to third parties for their direct marketing purposes during the immediately preceding calendar year; and (ii) the identity of those third parties. For information how to obtain a disclosure request of your personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
- Appeal. You have the right to appeal Company’s decision to refuse to act on a Colorado law data privacy request within a reasonable period after you receive our decision. To appeal our decision, you should send your objection to our denial via email to privacy@consolidatedcredit.org and to allow Company to review your data subject request. Within 45 days, Company will provide you with a written explanation of the justification for declining to act on your request.
- Authentication/Verification. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request (except for a request to opt-out of sales or sharing). Company may require you to provide any of the following information: your name, date of birth, your phone number, your Social Security number, the email and physical addresses. If you request that we provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request, or authorized personnel of the consumer making the request. You understand that Company may decline to process your request where: (i) Company is unable to authenticate that you are the person to whom the data relates; (ii) the request is unreasonable or excessive; (iii) or where otherwise permitted by applicable law.
- Retention. We retain personal data for as long as necessary to provide the Services and fulfill the transactions you have requested, comply with our legal obligations, resolve disputes, enforce our agreements, and other legitimate and lawful business purposes. Because these needs can vary for different data types in the context of different Services, actual retention periods can vary significantly based on criteria such as user expectations or consent, the sensitivity of the data, the availability of automated controls that enable users to delete data, and our legal or contractual obligations.
- Declining Requests. You understand that we may decline requests where granting the request would be prohibited by law, could adversely affect the privacy or rights of another person, would reveal a trade secret or other confidential information, would interfere with a legal or business obligation that requires retention or use of the data, or because the data at issue is not covered under the law you are asserting. Also, where permitted by law if you send us a request to exercise your rights or the choices in this section, we may charge a fee or decline requests in certain cases.
- Non-Discrimination. You have the right to not be discriminated against for exercising any of your privacy rights.
Notice for Vermont Residents. As a Vermont resident, you have the right to opt out of the selling or sharing of your data. You also have the right to opt-out of joint marketing effort that Company has with other financial service providers.
Notice for Connecticut Residents. As a Connecticut resident, you have the following rights regarding your personal information:
- Access. You have a right, twice in a 12-month period, to request that our Company disclose to you the personal information that we collected about you, and any additional information about our collection, use, disclosure, or sale of such personal information, which is also contained in this privacy policy.
- Correction. You have the right to request that we correct inaccurate personal information under certain circumstances, subject to a few exceptions provided under CTDPA. For information how to request the correction of personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
- Deletion. You have the right to request that we delete your personal information under certain circumstances, subject to a few exceptions, subject to a number of exceptions provided under CTDPA. For information how to request the deletion of personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
- Opt-Out of Targeted Advertising. You have the right to opt-out of targeted advertising and the sale of personal data. For information how to request an opt-out of targeted advertising, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
- Appeal. You have the right to appeal Company’s decision to refuse to act on a CTDPA data privacy request within a reasonable period after you receive our decision. To appeal our decision, you should send your objection to our denial via email to privacy@consolidatedcredit.org and to allow Company to review your data subject request. Within 60 days, Company will provide you with a written explanation of the justification for declining to act on your request. If you disagree with our explanation you have the right to contact or file a complaint with the Connecticut Attorney General.
- Authentication/Verification. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request (except for a request to opt-out of sales or sharing). Company may require you to provide any of the following information: your name, date of birth, your phone number, your Social Security number, the email and physical addresses. If you request that we provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request, or authorized personnel of the consumer making the request. You understand that Company may decline to process your request where: (i) Company is unable to authenticate that you are the person to whom the data relates; (ii) the request is unreasonable or excessive; (iii) or where otherwise permitted by applicable law.
- Declining Requests. You understand that we may decline requests where granting the request would be prohibited by law, could adversely affect the privacy or rights of another person, would reveal a trade secret or other confidential information, would interfere with a legal or business obligation that requires retention or use of the data, or because the data at issue is not covered under the law you are asserting. Also, where permitted by law if you send us a request to exercise your rights or the choices in this section, we may charge a fee or decline requests in certain cases.
- Non-Discrimination For Exercising Your Rights. You have the right to not be discriminated against for exercising any of your privacy rights.
Notice to North Dakota Residents. As a North Dakota resident you have the right to opt-out of joint marketing with other financial institutions. For information how to request an opt-out of Joint Marketing, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
Notice to Utah Residents. As a Utah resident, you have the following rights regarding your personal information:
- Access. You have a right, twice in a 12-month period, to request that our Company disclose to you the personal information that we collected about you, and any additional information about our collection, use, disclosure, or sale of such personal information, which is also contained in this privacy policy.
- Obtaining a portable copy of your personal data. To obtain a copy of your personal data that you previously provided to us in a portable format, please submit an “Access” request as described above. While these requests are distinct, we have not identified any technically feasible and readily usable format that would allow you to transmit this data to another controller. Therefore, we will provide you a copy of your personal data so that we honor your request as best is technically feasible.
- Deletion. You have the right to request that we delete your personal information under certain circumstances, subject to a number of exceptions, subject to a number of exceptions provided under Utah law. For information how to request the deletion of personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
- Opt-Out of Targeted Advertising. You have a right to opt-out of targeted advertising and the sale of personal data. For information how to request the opt out of targeted advertising, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
- Authentication/Verification. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request (except for a request to opt-out of sales or sharing). Company may require you to provide any of the following information: your name, date of birth, your phone number, your Social Security number, the email and physical addresses. If you request that we provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request, or authorized personnel of the consumer making the request. You understand that Company may decline to process your request where: (i) Company is unable to authenticate that you are the person to whom the data relates; (ii) the request is unreasonable or excessive; (iii) or where otherwise permitted by applicable law.
- Declining Requests. You understand that we may decline requests where granting the request would be prohibited by law, could adversely affect the privacy or rights of another person, would reveal a trade secret or other confidential information, would interfere with a legal or business obligation that requires retention or use of the data, or because the data at issue is not covered under the law you are asserting. Also, where permitted by law if you send us a request to exercise your rights or the choices in this section, we may charge a fee or decline requests in certain cases.
- Non-Discrimination. You have the right to not be discriminated against for exercising any of your privacy rights.
Notice to Virginia Residents. As a Virginia resident, you have the following rights regarding your personal information:
- Access. You have a right, twice in a 12-month period, to request that our Company disclose to you the personal information that we collected about you, and any additional information about our collection, use, disclosure, or sale of such personal information, which is also contained in this privacy policy.
- Correction. You have the right to request that we correct inaccurate personal information under certain circumstances, subject to a few exceptions provided under Virginia law. For information how to request the correction of personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
- Deletion. You have the right to request that we delete your personal information under certain circumstances, subject to a few exceptions, subject to a number of exceptions provided under Virginia law. For information how to request the deletion of personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
- Opt-Out of Targeted Advertising. You have a right to opt-out of targeted advertising and the sale of personal data. For information how to request the opt out of targeted advertising, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
- Obtaining a portable copy of your personal data. To obtain a copy of your personal data that you previously provided to us in a portable format, please submit an “Access” request as described above. While these requests are distinct, we have not identified any technically feasible and readily usable format that would allow you to transmit this data to another controller. Therefore, we will provide you a copy of your personal data so that we honor your request as best is technically feasible.
- Appeal. You have the right to appeal Company’s decision to refuse to act on a CTDPA data privacy request within a reasonable period after you receive our decision. To appeal our decision, you should send your objection to our denial via email to privacy@consolidatedcredit.org and to allow Company to review your data subject request. Within 60 days, Company will provide you with a written explanation of the justification for declining to act on your request. If you disagree with our explanation you have the right to file a complaint with the Virginia Attorney General.
- Authentication/Verification. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request (except for a request to opt-out of sales or sharing). Company may require you to provide any of the following information: your name, date of birth, your phone number, your Social Security number, the email and physical addresses. If you request that we provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request, or authorized personnel of the consumer making the request. You understand that Company may decline to process your request where: (i) Company is unable to authenticate that you are the person to whom the data relates; (ii) the request is unreasonable or excessive; (iii) or where otherwise permitted by applicable law.
- Declining Requests. You understand that we may decline requests where granting the request would be prohibited by law, could adversely affect the privacy or rights of another person, would reveal a trade secret or other confidential information, would interfere with a legal or business obligation that requires retention or use of the data, or because the data at issue is not covered under the law you are asserting. Also, where permitted by law if you send us a request to exercise your rights or the choices in this section, we may charge a fee or decline requests in certain cases.
- Non-Discrimination. You have the right to not be discriminated against for exercising any of your privacy rights.
Notice to Delaware Residents:
Periodic Reports and retention of records.
- A provider shall provide the accounting required by subsection (b) of this section:
- Upon termination or cancellation of an agreement; and
- Before termination or cancellation of any agreement:
- At least once each month, and
- Within 5 business days after a request by an individual, but the provider need not comply with more than 1 request in any calendar month.
- A provide, in a record, shall provide each individual for who it has established a plan an accounting of the following information:
- The amount of money received from the individual since the last report; received from the individual since the previous report;
- The amounts and dates of any disbursements made on the individual’s behalf or by the individual upon the direction of the provider, since the last report to each creditor listed in the plan;
- The amounts deducted from the amount received from the individual;
- The amount held in reserve.
Notice to Users Outside of the United States. This Online Privacy Policy is intended to cover collection of information on our Sites from residents of the United States only. Consolidated only provides services in the United States. If you are visiting our Site from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Notice. We do not sell, offer, or otherwise provide services to individuals outside of the United States.
XII. Revised Privacy Policies
We reserve the right to change, modify, or amend our privacy policy and practices from time to time, and that we may do so by simply by posting a revised Privacy Policy on our website(s). Any such change shall be effective immediately upon posting of the revised Privacy Policy on the website and will apply to any PII or PFI in our possession at the time or as we may obtain as pard of the services in the future. We may provide you with an electronic link to the revised Privacy Policy, or if you have opted out of electronic communication you may receive a copy of the revised Privacy Policy by mail to your last known address. You should refer to this Privacy Policy on an ongoing basis so that you are aware of our current privacy practices.
XIII. Questions, Corrections, or Inquiries regarding the Privacy Policy
If you have any question about our privacy policy and practices, please contact us at 1-888-673-5974. If you want to correct any personal information in our files, please submit a written request to us to: privacy@consolidatedcredit.org. Thank you for choosing Consolidated to assist you in restoring your financial well-being.
YOU AGREE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THE TERMS AND CONDITIONS AND THIS PRIVACY POLICY. PLEASE KEEP THIS PRIVACY POLICY IN YOUR RECORDS.
We retain previous versions of this Privacy Policy for record-keeping and compliance purposes.
