Privacy Statement
The information in this privacy statement applies only to this website.
We at Creditech Corp respect your right to privacy. We understand that
maintaining the confidentiality of your financial situation is important to
you. We want you to understand what information we gather about you, how we use
it, and the safeguards we have in place to protect it. We also want you to
understand that in connection with a request for our assistance, you may ask us
to intervene with your creditors on your behalf, and that the sharing of
certain non-public information with them is a necessary part of the credit
counseling process.
The following discloses the information gathering and dissemination
practices for this web site. Information Automatically Logged:
IP Address – We Use Your IP Address For Other Purposes
IP addresses are automatically logged and the domain name which you are
using at the time of entry is also logged to a file. This information is stored
purely as a means of viewing web site hits and traffic. This information is not
given to any third parties for any reason and is eradicated from our database
on a regular basis. IP addresses are not used for any purpose other than those
stated here.
Cookies – Our Site Uses Cookies For Other Purposes
Cookies are used as a means of identifying repeat visitors. Changing your
web browser’s setup to “reject” cookies does not prevent a user from visiting
any portion of this website.
Our Principles for Privacy Protection
Our site’s registration and Online forms require users to give us
contact information (like their name, email, or postal address). Due to the
nature of this web site, financial information is also requested on a voluntary
basis from the visitor. Consolidated does not share your financial information
with any non-affiliated 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. We educate our employees about safeguarding client information and
preventing unauthorized access, disclosure or use, while limiting employee
access to client information to those who need it to assist you.
Off-Line/Email Data Collection ConsolidatedCredit.org only collects a
limited amount of financial information from consumers on their online forms.
However, during the credit counseling session which is done through
face-to-face conversations, telephone calls, and e-mail communications,
additional information may be requested.
What information do we collect?
We collect non-public personal information about you from the following
sources:
Information we receive from you on applications
or other forms, whether submitted through the Internet or manually, as
well as through face-to-face conversations, telephone calls, and e-mail
communications. This information may include your name, address, telephone
and social security number, as well as your creditors’ names and
addresses, the amounts you owe your creditors and their account numbers,
credit card account information, and your living expenses.
You may provide us with certain banking
information, via the Internet, on the phone or in person, in order to
process ACH payments.
Information about your transactions with us.
Information we receive from your creditors.
What information do we disclose?
We may disclose the following kinds of non-public personal information
about you in the course of providing credit counseling services on your behalf:
Information we receive from you on
applications or other forms and from other communications with you, such
as your name, address, financial account numbers, Social Security number,
assets and income.
Information about your transactions with us,
such as your account balance, monthly payment obligations, payment
history, and method of payment.
To whom do we disclose information?
We do not disclose any non-public personal information about our
clients, or former clients to anyone, except as noted below, in response to a
court order, when required by law or when we believe, in good faith, disclosure
is required by law or to enforce our terms and conditions or other agreements
and polices. We may disclose non-public personal information about you to your
financial service provider creditors such as banks, saving and loans, credit
unions, mortgage bankers, finance companies, and credit card issuers. For the
purpose of fulfilling our mission and providing you with certain services and
to process your requests and payments, we may disclose your personal
information to one or more service providers or other third parties who are
assisting us in performing such services. Without limiting the foregoing, these
third parties may provide us with data management, payment processing, and
similar services. Additionally, in the event that 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.
How do we protect information?
Only those employees or servicing agents obligated to maintain the
confidentiality of information who might need to know non-public personal
information in order to provide assistance to you have access to such
information.
External Links
This site contains links to other sites. Consolidated is not responsible
for the privacy practices or the content of such websites. The contents of such
websites are unknown and in no event, should you assume that Consolidated
condones, approves of, or recommends the content of any website that is linked
from the Consolidated pages or any other pages of this website. Complaints
about the content of any linked site from the Consolidated pages should be
directed to the owner of that site and not Consolidated.
Security
This site has security measures in place to protect the loss, misuse,
and alteration of the information under our control. Information, if any,
submitted for use by visitors is kept strictly confidential. Only the
information visitors provide and authorized by the visitor is used for the
purpose it was submitted.
Short Message Service
Creditech Corp may make available a service through which you can
receive financial advice on your wireless device via short message service
(“SMS Service”). 1 message is sent per week. Data obtained from you in
connection with this SMS service may include your name, address, cell phone
number, your provider’s name, and the date, time, and content of your messages.
You represent that you are 18 years of age and the owner or authorized user of
the wireless device on which messages will be received, and that you are
authorized to approve the applicable charges. 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. Creditech Corp 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. Creditech Corp may also obtain the
date, time and content of your messages in the course of your use of the SMS
Service. 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.
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.
By joining our subscription program, you authorize Creditech Corp to
send you autodialed marketing text messages at the mobile number provided.
Consent isn’t required to purchase goods or services.
You may opt out of receiving messages to your mobile device at any time
by notifying us. You may remove your information by replying with “STOP”,
“END”, “QUIT”, “UNSUBSCRIBE”, or “CANCEL” to any SMS you receive.
We 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
in order 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! click
here or visit https://www.verizonmedia.com/policies/us/en/verizonmedia/privacy/controls/index.html to learn how to opt out of this service.
Data Quality/Access
This site gives
users the following options for changing and modifying information previously
provided. You can go to CreditechCorp to submit your request.
Opt-Out Policy,
Your Newsletter and Email Subscriptions
You can opt-out or unsubscribe to a newsletter or other email list at
any time by following the instructions at the end of the newsletters or emails
you receive. Please allow five to ten business days for changes to take effect.
Client service-related communications are an integral part of the services you
receive from us and you may continue to receive such service-related emails
unless you cancel your account, even if you opt out of the newsletters or email
list. If you have provided more than one email 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 or by replying to an existing email with your request to
be removed from the mailing list.
Questions or Corrections?
If you have any question about our privacy policy and practices, please
contact us at (954) 484-3328 or contact us at our: counselor email. If you want to correct any personal information in our files, please
submit a written request to us. Thank you for choosing Consolidated to assist
you in restoring your financial wellbeing.
Licensing
Licensed by the Vermont Department of Banking, Insurance, Securities and
Healthcare Administration. Licensed by the New York State Banking Department,
5701 W. Sunrise Blvd., Ft. Lauderdale, FL 33313
The Commissioner of Financial Regulation for the State of Maryland will
accept questions and complaints from Maryland residents regarding Creditech
Corp Solutions, Inc. d/b/a Creditech Corp, license # 14-92 at 500 North
Calvert Street, Suite 402, Baltimore, MD 21202-3651 or toll free at
1-888-784-0136.
Licensed by the Michigan Department of Insurance and Financial Services
(Lic. #0018202)
530 W. Allegan Street, 7th Floor
Lansing, MI 48933
1-877-999-6442
The Michigan Debt Management Act requires that the following provisions
of the Act be prominently displayed in our office:
451.423 Initial fee; consent of creditor; presumption.
Sec. 13.
1. When a licensee establishes a debt management plan for a debtor, the licensee
may charge and receive an initial fee of $50.00.
2. A licensee shall attempt to obtain consent to participate in a debt
management plan from at least 51%, in number or dollar amount, of the debtor’s
creditors within 90 days after establishing the debt management plan. If the
required consent is not actually received by the licensee, the licensee shall
provide notice to the debtor of the lack of required consent and the debtor
may, at its option, close the account. If the debtor decides to close the account,
any unexpended funds shall be returned to the debtor or disbursed as directed
by the debtor.
451.424 Contract between licensee and debtor; requirements.
Sec. 14.
1. A contract between a licensee and debtor shall include all of the
following:
1. Each creditor to which payments will be made and the amount owed each
creditor. A licensee may rely on records of the debtor and other information
available to it to determine the amount owed to a creditor.
2. The total amount of the licensee’s charges.
3. The beginning and termination dates of the contract.
4. The principal amount and approximate interest charges of the debtor’s
obligations to be paid under the debt management plan.
5. The name and address of the licensee and of the debtor.
6. Any other provisions or disclosures that the director determines are
necessary for the protection of the debtor and the proper conduct of business
by a licensee.
451.428 Fee under debt management plan; purchase of credit reports or
educational materials and products; charge for cancellation or default; when
contract effective; cancellation of contract; excessive charge.
Sec. 18.
1. In addition to the fee described in section 13(1), a licensee may charge
a reasonable fee for providing debt management services under a debt management
plan. The fee under this subsection shall not exceed 15% of the amount of the
debt to be liquidated during the express term of the plan.
2. A licensee may offer a debtor the option to purchase credit reports or
educational materials and products, and charge a fee to the debtor if the
debtor elects to purchase any of those items from the licensee. Fees charged
under this subsection are not subject to the 15% limitation on fees described
in subsection (1).
3. Except for a cancellation described in subsection (4), in the event of
cancellation of or default in the performance of the contract by the debtor
before its successful completion, a licensee may collect $25.00 in addition to
any fees and charges of the licensee previously received by the licensee. This
$25.00 fee is not subject to the 15% limitation on fees and charges under
subsection (1).
4. A contract is in effect when it is signed by the licensee and the debtor
and the debtor has made a payment of any amount to the licensee. The debtor has
the right to cancel the contract until 12 midnight of the third business day
after the first day the contract is in effect by delivering written notice of cancellation
to the licensee. A cancellation described in this section is not subject to,
and a licensee shall not collect, the fee described in subsection (3).
5. If a debtor fails to make a payment of any amount to a licensee within
60 days after the date a payment is due under a contract, the licensee may, in
its discretion, cancel the debt management contract if it determines that the
plan is no longer suitable for the debtor, the debtor fails to affirmatively
communicate to the licensee the debtor’s desire to continue the plan, or the
creditors of the debtor refuse to continue accepting payments under the plan.
6.
A licensee
shall not contract for, receive, or charge a debtor an amount greater than
authorized by this act. A person that violates this subsection, except as the
result of an inadvertent clerical or computer error, shall return to the debtor
the amount of the payments received from or on behalf of the debtor and not
distributed to creditors, and, as a penalty, an amount equal to the amount
overcharged.
Oregon Registration #DM-80092
Kansas – KS CSO.0019051
Indiana – We do not lend money.
Licensed by the Virginia State Corporation Commission- License #DC-83
Revised Privacy Policies
Please note that we reserve the right to change or modify our privacy practices
that are described above from time to time simply by posting a revised Privacy
Policy on our Website creditechcorp.com. Any such change shall be effective immediately upon posting of the revised
Privacy Policy on the Website. The revised Privacy Policy shall be effective
for information we already have about you, as well as any information we
receive in the future. You should refer to this Privacy Policy on an ongoing
basis so that you are aware of our current privacy practices.