Privacy Policy

Family Credit Counseling Corporation knows that you care how information about you is used and shared. This notice describes our privacy policy. By visitingfamilycredithelp.org, you are accepting the practices described in this Privacy Policy.

Information Collection and Use
Family Credit Counseling Corporation is the sole owner of the information collected on this site. We do not sell, share, or rent this information to others in ways different from what is disclosed in this statement. Family Credit Counseling Corporation collects information from our users at several different points on our website.

Application
In order to use this website and/or to submit an application on this website, a user must first complete a registration form. During registration a user is required to give their contact information including name, email address and Family Credit Counseling Corporation product identification).

Orders and Other Forms
Family Credit Counseling Corporation may request information from the user on our enrollment, download and other forms. The user may be requested to provide contact information such as name and address and financial information.

Product Information and Offers
The information that users provide may be used to contact users about the products and services on our site. We may also use that information to let users know of additional products and services from other companies in which the user may be interested . Users may choose not to receive such information by opting-out on the customer profile page on our web site.

Newsletter
Family Credit Counseling Corporation may use your name and email address to send you our email newsletter. If you do not wish to receive our newsletter, you can opt out by un-checking the box during registration. We also offer you the option to unsubscribe by return email or by changing your profile on the customer profile page on our web site.

Log Files
Family Credit Counseling Corporation use IP addresses to analyze trends, administer the site, track user movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.

Cookies
A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. Family Credit Counseling Corporation uses cookies on this site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site. We use cookies to track user session if user is logged in and also remember user’s email address. But they are not directly linked to any user information on the server. They are just used to make the browsing experience easy for the users and help them to type less information.
We use both session ID cookies and persistent cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close you browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file. [http://www.microsoft.com/info/cookies.mspx.]

We use persistent cookies to store user’s email address if user selects “remember my email address”. This is used to populate the email address field when user logs in. We also set a persistent cookie to store your passwords, so you don’t have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site. These cookie is removed when user uncheck the “remember my email address” check box.

If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited. We do have session ID cookie which is used to track user’s shopping cart

Other Use of Information
Family Credit Counseling Corporation may share aggregated demographic information with our partners and advertisers. This aggregated information is not linked to any personal information that can identify any individual person. We use an outside shipping company to ship orders and a credit card processing company to bill users for goods and services. These companies have access to user information in order to perform their functions, but these companies are not authorized to use personal information for any other purpose. We may partner with other third parties to provide specific services. When the user signs up for these services, we will share names or other contact information that is necessary for the third party to provide these services. Our third party providers of such services are not authorized to use personally identifiable information except for the purpose of these services.

Links
This web site contains links to other sites. Please be aware that we are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of web sites that collect personally identifiable information. This privacy statement applies only to information collected by this Web site.

Special Offers
Family Credit Counseling Corporation sends new applicants a welcoming email to verify password and username. Users will occasionally receive information on updates, new products, services, offers, special deals, and a newsletter. We present our users with the option to not receive these types of communications. Please see Choice/Opt-Out: below.

Correction/Updating Personal Information
If a users personally identifiable information changes (such as a users zip code), or if a user no longer desires our service, we will endeavor to provide a way to correct, update or remove those users personal data provided to us. This can usually be done at the user information page (customer profiles) or by emailing our Customer Support.

Choice/Opt-Out
Users who no longer wish to receive our newsletter or promotions from us regarding our products or services or information sent by us regarding our own or third party products and services may opt-out of receiving these communications by unchecking the appropriate box on your customer profile or by emailing us at info@familycredithelp.org

Protection of Minors
Users must be at least 13 years old to have our permission to use this site. Our policy is that we do not knowingly collect, use or disclose personally identifying information about visitors less than 13 years of age. If you are the parent or guardian of a minor under 13 years of age and believe that the minor has disclosed personally identifiable information to us, please contact us at webmaster@familycredithelp.org so that we may delete the minor's information.

Notification of Changes
If Family Credit Counseling Corporation decides to change its privacy policy, we will post those changes on our website so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will use reasonable efforts to notify users by way of an email to the most recent email address provided to us by the user. In this way, we offer users a choice as to whether or not we use their information in any different manner.

Legal Disclaimer
We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process