• What personally identifiable information of yours or third party personally identifiable information that is collected from you through the web site
• The organization collecting the information
• How the information is used
• With whom the information may be shared
• What choices are available to you regarding collection, use and distribution of the information
• The kind of security procedures that are in place to protect the loss, misuse or alteration of information under Debt Reduction Center control
• How you can correct any inaccuracies in the information

If you have any questions or concerns regarding this statement, you should first contact info@debtreductioncenter.com. If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe at http://www.truste.org/users/users_watchdog_intro.html. TRUSTe will then serve as a liaison with the Web site to resolve your concerns.

Our Privacy Policy
Debt Reduction Center knows that your personal privacy and the security of your personal data are crucial to a successful online experience. With the added sensitivity of handling personal financial data, we understand your concerns. That is why we feel that it is necessary that you are made aware of the type of information we may collect on our web site, and what we do with that personal information.

Sharing Policy
First, you should know that Debt Reduction Center will never, under any circumstances, sell or share any personal information about you to or with any person or organization except as authorized by you, to our authorized agents, the credit counseling agencies in our network, your current creditors, or as may be required by law or court order.

Information We Collect
There are a number of areas within the Debt Reduction Center site that collect personal information. This information is required to receive membership to the Debt Management program. We collect personal information for a number of reasons. Here is a breakdown…

During the online enrollment process, we collect a wide variety of personal financial data. These are:

• Debt Information (Credit Card / Loan Account Numbers & Balances)
• Personal Information (Social Security Number, Address, Phone, Email, Salary, Pay Period, Employer, Occupation)
• Demographic Information (Age, Birth Date, Gender)
• Budget Information (Assets, Monthly Expenses, Other Income)

This information is stored to use in enrolling users in a debt management program. Debt information is used to qualify the user for the program and to make payments on the user's behalf. Budget information is collected to provide the user an overview of where their finances are spent. Data for users who fail to complete the online enrollment process is persisted for internal analysis and auditing (aggregate analysis only).

For current customers, our online customer service registration verifies users by collecting:

• Social Security Number
• Birth Date
• Last 6 Digits of any Account on the program
• Desired password

Only password data is stored to verify users. To determine how much usage our Internet receives per day, we track when users log into the site. The tracked information is only used on a per-client basis when auditing to determine when clients experience trouble with the site.

Additionally, our web servers capture specific user information such as IP Address, browser specifications, referring URL, etc.

Accessing/Changing Your Information
Current customers can view/change their personal, contact and occupational information by selecting the PROFILE navigation link within the Current Customers section, or by contacting Customer Service at 1-800-699-5688. You may also change your debt or budget information by contacting Customer Service as well.

Deactivating Your Account
If a user wishes to deactivate their account and no longer receive communications from us, they can contact customer service at 1-800-699-5688.

Security
Data security is a primary concern of Debt Reduction Center, and we have taken a number of steps to ensure that your personal data is secure. First, all areas of our site that collect sensitive information utilize Secure Sockets Layer (SSL) encryption to protect your data. This system ensures that your data is going to our servers, and ONLY our servers, by encrypting all network traffic between our machines. (This system also verifies that we are who we say we are through the use of digital certificates.) You can read more about SSL at Verisign. Second, all data is stored on separate database servers behind our corporate firewall. No personal data is ever stored on our web servers. Third, sensitive information is also encrypted within our database, to ensure internal security as well.

Cookies
Cookies are small files written by browsers to store information on a user’s computer. Our site utilizes cookies to make many services available for our users. We use two types of cookies. A Session Cookie is used to establish session information. The information is not written to your hard disk, and is deleted from memory once your browser session is completed. A Persistent Cookie is used to tag individual users to do traffic analysis on anyone who starts an application. This allows you to finish a partial application. Please be aware that if you set your browser to reject all cookies, you will not be able to access the secured areas of our site.

Public Forums
Currently we provide live help through chat sessions. For your protection, any information that is disclosed in these areas is secured, considered confidential information, and is not for public disclosure.

Distribution Of Personal Information During Online Enrollment
At your direction (when you click on the "Submit Application" button), the information that you provide to us on the online enrollment form will be sent through the Debt Reduction Center system to one of our approved credit counseling agencies (you are notified which agency you are applying to early on in the enrollment process). After this agency receives your information, they may contact you directly via phone, email or other communications. All of our associated credit counseling agencies comply under federal and/or state laws and regulations which govern privacy of personal information.

Links
This site may contain links to other sites. Debt Reduction Centeris not responsible for the privacy practices or the content of such Web sites.

Change Policy
Any changes to our privacy promise will be communicated by prominent posting on this web site at least 30 days in advance of implementation.

Opt-out Policy
If you prefer that we do not send you email communications, you may opt-out of those services, that is, you may direct us not to use your email address as part of our marketing efforts for new products and services. If you wish to opt-out of email communications, you may do so by emailing clientservices@debtreductioncenter.com, or by replying to an existing email with your request to be removed from the mailing list.

Membership Limitations
While our Privacy Policy would cover all perspective members, the Debt Reduction Center Debt Management program is only available for residents of the United States. Members must utilize an US bank account, have a US residence, and user’s debt must be payable in US currency.

Questions
If you have any questions about our privacy policy or about submitting an enrollment form online, please contact us at info@debtreductioncenter.com.

The above privacy statement discloses the privacy practices for Debt Reduction Center.
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