Excite Financial, our authorized agents and affiliates are committed to assuring the privacy of our customers and
potential customers who have contacted us for assistance. We assure you that all information will be managed within
legal and ethical considerations. Your personal financial information, such as your income, living expenses and personal
information concerning your financial circumstances, will be provided to creditors and possibly others only with your
specific authorization.
We may also, from time to time, use anonymous, aggregated case file information for the purpose of evaluating the
effecitveness of our services and designing future programs. Your anonymity will be maintained through the use of
your client number or by using aggregate data in all circumstances.
The following privacy practices detail circumstances under which we will release your information to a third party:
* We do not disclose non-public personal information about our customers to anyone, except as permitted by law.
* We may compile data and aggregate information that you give to us, but this information may not be disclosed in
a manner that would personally identify you in any way.
* We may disclose some or all of the information that we collect, as described below, to creditors or third parties
that you have authorized who need this information in order for us to assist you after a counseling session.
* We may disclose all of the information that we collect, as described below, to creditors and related financial
institutions who need this information in order to put you on a Debt Repayment Plan (DRP).
* We restrict access to non-public personal information about you to those employees who need to know that
information to provide services to you. We maintain physical, electronic and procedural safeguards that comply
with federal regulations to guard your non-public personal information.
* We collect non-public information about you from the following sources:
Information we receive from you on applications from our authorized agents.
Information about your transactions with us, your creditors, or others.
Information we receive from a credit reporting agency.
We may disclose the following kinds of non-public information about you:
Information we receive from you on applications or other forms such as your name, address, social security number,
assets, and income.
Information about your transactions with us, your creditors, or others, such as your account balance, payment history,
parties to transactions and credit card usage.
Information we receive from a credit report agency, such as your credit history. |
