Collection of Nonpublic Personal Information by Consumer Credit Counseling Service of Delaware Valley
Collecting personal information from you is essential to our ability to offer you our services. When you obtain service from our agency, we need to determine the best possible solution for your individual circumstances. As part of that process, we may collect information about you, known as nonpublic personal information, from the following sources:
- Information we receive from you on applications or other forms, such as your name, address, social security number, date of birth, income and expenses and assets and liabilities.
- Information about your debts and transactions with your creditors.
- Information (such as credit reports) we receive from consumer reporting agencies
Limited Use and Sharing of Nonpublic Personal Information by Consumer Credit Counseling Service of Delaware Valley
We use the nonpublic personal information we collect to help us provide the services you have requested and to maintain and service your account. Once we obtain nonpublic personal information from you, we do not disclose it to any third party except as necessary in the course of performing our services, or with your consent, or as permitted or required by law.
We may share your nonpublic personal information with your creditors to help us develop solutions to your current and future financial situation.
We may disclose some or all of the information that we collect, as described above, to creditors and related financial institutions that you have authorized who need this information in order to assist you after a counseling session.
We may compile data and aggregate information that you give to us, but this information will not be disclosed in a manner that would personally identify you.
There also may be times when CCCS is required to disclose its customers’ nonpublic personal information, such as when complying with federal, state or local laws, when responding to a subpoena, or when complying with an inquiry by a government agency.
We do not share customer information with outside companies for the purpose of marketing products or services of those companies.
Security of Your Nonpublic Personal Information by Consumer Credit Counseling Service of Delaware Valley
We maintain physical and electronic safeguards designed to protect your nonpublic personal information from unauthorized use or improper access. Your information is available to those employees who have a business need to access your information in order to provide service to your account. Our employees follow a code of ethics and are required to maintain the confidentiality of customer information.
We will reaffirm this policy annually as long as you are an active client of CCCS. While this policy may change from time to time, you can always review our current policy online at www.cccsdv.org.