Disclaimer Notice and Privacy Policy
Terms of Agreement in Using Our Website
By using our website and any related service or product offered through our website, either directly by our agency or indirectly through an affiliate or associate of our agency, you agree to the terms and provisions as outlined in this legal notice and that of our Copyright Notice.
If you do not agree to the terms, you are not permitted to use this website.
Disclaimer Notice
The information contained at our website is intended only to educate and assist clients, applicants, visitors, and the like, in various areas of finance, including credit and debt management. Articles contained on our website are the sole opinion of the author. All information is provide free and is not meant to substitute for professional counsel applicable to specific situations, for which it may be inadequate. The Center For Debt Management™ is not a law firm, thus it can not and will not provide legal counsel. In some instances, it may be wise to seek advice from competent legal counsel or other professional services or entities.
The Center For Debt Management™ and its respective agents and/or counselors, therefore, disclaim any responsibility for any damages and/or consequences of the use by anyone of the information contained at this site, and/or of the advice or recommendations offered by any counselor or agent. By use of our website, related pages, its links, or any documents contain herein, users agree that all information is free and provided "AS IS."
While we use reasonable care in selecting our associates and affiliates, it is understood that The Center For Debt Management™ does not fully evaluate any affiliated company, organization, or individual, or their respective offers. We make no expressed or implied warranties or representations, nor are we liable for indirect or consequential damages arising in connection with respect to the programs, services or any products sold through organizations in which we are "in association with" or with respect to the programs,
services or products sold through organizations in which we are not in association with.
This includes, without limitation, warranties of fitness, merchantability, non infringement,
or any implied warranties arising out of a course of performance, dealing, or trade usage.
All offers for services and products promoted on our website are null and void in states or jurisdictions where they are prohibted by law. Consumers are advised to check with consumer protection agencies before committing to any business transactions.
By use of our web site and the links contained herein, you agree that The Center For Debt Management™ is an intended third party beneficiary.
All links provided on our website which transcends to other websites are maintained by their respective organizations and they are solely responsible for their content. By use of our website and the various links, users agree to hold The Center For Debt Management™ harmless for any and all damages arising out of its use and related links.
Privacy Policy
The Center For Debt Management™ is committed to maintaining your confidence and trust, and accordingly maintains the following privacy policy to protect personal information that you provide to us.
We understand that maintaining the confidentiality of your financial situation is of the utmost importance to you, and that you have turned to us for help based upon our experience, competence, professionalism, and sense of responsibility. We want to ensure that you understand what information we gather about you, how we use it, and the safeguards we have in place to protect it.
We also want those consumers applying for financial assistance through our agency to understand that, when requesting our assistance you are asking us, or one of our associates, to intervene on your behalf with your creditors or other entities, and that the sharing of certain nonpublic information with them may be a necessary part of the credit counseling and debt management process.
Our Principles for Privacy Protection
The Center For Debt Management™ does not share your financial information with any third parties other than those who help us in providing assistance to you, and they are required to maintain it in strict confidence. We do not rent or sell your personal financial information to any outside marketer. We maintain security practices and procedures designed to ensure the security, integrity and confidentiality of your personal financial information.
Any individual who visits our website or contacts our agency, for any reason, may be sent a solicitation to determine if that individual would like to subscribe to our newsletter and/or be placed on our mailing list, or in some cases may be presented with an offer. Any such solicitation will provide the recipient with a means to accept or reject our offer and we will abide accordingly.
What information do we collect?
We collect nonpublic personal information from you from the following sources:
a) Information we receive from you on applications, budgets or other forms, as well as, through phone calls and e-mail.
b) Information about your transactions with our agency or an associate of our agency in which you are considered a mutual client.
What information do we disclose?
No financial information is ever provided to your financial service providers or creditors when merely applying for, or requesting information about, a Debt Reduction Settlement, the Debt Management Program and Filing For Bankruptcy.
We may disclose the following kinds of nonpublic personal information about you:
a) Information we receive from you on applications or other forms and from other communications with you, such as your name, address, telephone numbers, financial account numbers, Social Security number, assets and liabilities, income, etc.
b) Information about your transactions with us, such as your account balance, monthly payment obligations, payment history, and method of payment and other relevant information that may be required to provide to your creditors in order to provide services to you.
Who do we disclose information to?
We do not disclose any nonpublic personal information about our visitors, applicants, clients or former clients to anyone, except as permitted by law.
Personal information provided to us from applicants applying for any products, services or programs made available through our website and agency, but offered in conjunction with a third party agency or agencies, may be shared with the respective agency, or agencies, to the extent necessary to complete the transaction.
When enrolled as a client of our agency and/or with an associate of our agency, we and/or the associated agency may disclose nonpublic personal information about you to your financial service providers or creditors; such as banks, savings and loans, credit unions, mortgage bankers, finance companies, credit card issuers, collection agencies and other agents of your creditors to the extent required to complete a negotiated settlement, proposal or payment arrangement. This shall include any other transaction, service, or disclosure deemed reasonable by the agency in order to fulfill the services requested by the client.
How do we protect information?
We restrict access to nonpublic personal information about you to our associates and those who need to know that information to provide assistance to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
Questions or corrections?
If you have any questions about our privacy policy and practices please contact us at PrivacyPolicy@Center4DebtManagement.com.
If you want us to correct any personal information in our files, please send an email to PrivacyPolicy@Center4DebtManagement.com, or submit a written request to:
The Center For Debt Management, 119 Camp Sargent Rd., Merrimack, NH 03054
Please be sure to include in all correspondence your name, client identification number, current address, phone number and email address.
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The Center For Debt Management™
Helping Consumers Save Money and Reduce Debt Is Our Only Business!™
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