The National Foundation for Credit Counseling (“NFCC®,” “we,” or “us”) is committed to assuring the privacy of individuals and/or families (“you” or “your”) who have contacted us for assistance. We realize that the concerns you bring to us are highly personal in nature. We assure you that all information shared orally, in writing, and online through our National Counseling Locator Service (“NCLS™”) or any of the NFCC®’s other websites will be managed within legal and ethical considerations and in accordance with the policies described herein
The National Foundation for Credit Counseling (“NFCC®,” “we,” or “us”) National Counseling Locator Service (“NCLS™”>TM) or any of the NFCC®’s other websites use extensive and sophisticated secure technology to protect your data and transmissions between you, the NCLS™, Member Agencies, counselors, and creditors. Transmission between browsers and our web server is implemented using Secure Sockets Layer (SSL) technology. Transmissions between the NCLS™ and participating Member Agencies, counselors, and creditors are encrypted using public key cryptography algorithms with a minimum key size of 128 bits. Our database is physically separated from our web server and is protected by a physical firewall.
Although NFCC® has taken these reasonable and appropriate measures to ensure that your personal information is delivered and disclosed only in accordance with your instructions, NFCC® cannot and does not guarantee that the personal information you provide, or that Member Agencies or creditors provide about you, through the NCLS™ will not be intercepted by others and decrypted.
Additionally, be attentive to the following situations to ensure your confidentiality is not compromised:
DISCLAIMERS AND LIMITATIONS
NFCC® intends that the information contained in its web site to be accurate and reliable; however, errors may occur. In addition, changes and improvements to the information provided herein may be made by us at any time.
By using this web site, you agree to our Privacy Notice and Security Policy and to the use of the information we receive and collect as stated herein and in ways we may notify you of in the future. By providing any personal information to this site, you acknowledge that you fully understand and consent to the collection and processing of such information. We reserve the right at our discretion to modify this Privacy Notice and Security Policy at any time. Your continued use of this site following the posting of changes to these terms means you accept these changes.
THIS WEB SITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED “AS IS”. NFCC®, NCLS™ AND/OR ITS SUPPLIERS, PARTICIPATING MEMBER AGENCIES AND THEIR COUNSELORS, DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS WEB SITE AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. USE OF THIS WEB SITE AND/OR NFCC’S SERVICES IS AT YOUR OWN RISK. NFCC® AND/OR ITS SUPPLIERS, NCLS™, ITS MEMBER AGENCIES AND THEIR PARTICIPATING COUNSELORS, OR REAL ESTATE PROFESSIONALS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEB SITE AND/OR NFCC®’S AND ITS MEMBER AGENCIES AND THEIR PARTICIPATING COUNSELORS’ SERVICES OR WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF NCLS™ AND/OR ITS SUPPLIERS HAD BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
LINKS TO THIRD PARTIES
This web site may contain links to web sites maintained by third parties. Such links are provided for your convenience and reference only. NFCC® does not operate or control in any respect any information, software, products or services available on such web sites. NFCC®’s inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.
HOW TO CONTACT US
If you have any questions about this Policy, contact us by email or telephone:
National Foundation for Credit Counseling
2000 M Street, NW, Suite 505
Washington, DC 20036
Telephone: (202) 677- 4300
Last Updated on: June 28, 2011