Debt shield, Inc. is committed to stringently safeguarding your privacy online. We want you to understand what information we will collect about you and how we may use this information. Please read the following notice of Debt shield’s privacy and security policy (the "privacy notice") to understand how Debt shield will treat your personal information. This policy may occasionally change, so please check back from time to time.
This privacy notice will tell you about:
In order to perform a meaningful analysis of the financial situation of any prospective client, it is important for us to have current and accurate information. Debt shield’s primary goal in collecting personal information is to provide you with a customized personal experience. Therefore, when you apply for our assistance, we will collect personal and financial nonpublic information from you. This information includes but is not limited to your name, address, social security number, address, phone number(s), e-mail address, salary, pay period, occupation, employer name, birth date, gender, creditor information, credit history, debt schedule, budget information (assets, expenses and other income) and other financial information we deem appropriate. We will likely receive this information from you on forms, such as our program application form or your budget information sheet; via the internet, telephone or otherwise.
In addition, we collect and maintain information about your transactions with/from our affiliates, your creditors, your collectors, your banks, other third parties and us. This information includes account balances, payment history, credit card usage, and parties to transactions. We also collect addresses when you come to the Debt shield web site. We use your IP address to track the total number of unique users to the site, for system administration, and to diagnose problems. To help make e-mails we send more useful, we often receive a confirmation when you open an e-mail from us.
For our current clients who have completed the online client service registration, our site verifies online users by collecting the following nonpublic personal information prior to allowing access to the site:
We will not disclose your private information, as described above, to any organization, affiliated or non-affiliated, unless this disclosure:
(1) is necessary to effect, administer, or enforce a transaction, service, or inquiry you have initiated. For example, we occasionally enter into agreements with companies whose expertise is necessary to provide the service you have requested. They include specialized firms for check printing, to execute security transactions as well as provide data processing services;
(2) is necessary to perform marketing services on our behalf, so that we may better understand your financial needs and determine how we can help you meet those needs;
(3) is necessary to perform joint marketing services for services that might be offered jointly with another institution, that we would offer to you directly; and/or
(4) is necessary to facilitate or consummate our business transactions with third parties which does not include the selling of information for the purpose of further solicitation.
In these limited cases where information is shared with other companies that perform services on our behalf or for joint marketing purposes, the information provided is limited to the information they need to perform their function. These companies are also required to maintain the security and confidentiality of the information provided and use it only to perform the specified service on our behalf.
As we stated in our pledge to you, we do not share information with outside companies for the purpose of selling their products and services. Since we do not share information with third parties, beyond what we have disclosed above, it follows that we do not offer you an opportunity to opt out of this sharing.
Debt shield may share your personal information with third parties unless you opt-out of information sharing. You may consider it beneficial for us to forward your information to another financial institution that may be able to help you in the event another product may better meet your needs. You may find this convenient because it means that you may not need to search for another program. Debt Shield does not sell or rent your information to advertisers at the present time but we reserve the right to do so in the future.
As Debt shield continues to develop, we may buy or sell other businesses or assets, or sell or merge our businesses or assets. In such transactions, user information generally is one of the transferred business assets.
Debt Shield permitted by law to share all the information we collect, as described above, with (1) companies that perform marketing services on our behalf and (2) with other institutions with whom we have joint marketing arrangements. For example, we may share all the information we collect, as described above, with other nonaffiliated third parties that assist us with preparing monthly statements and with the processing and printing of checks. Please be advised that the opt out rights described below will not apply to the sharing of information with these third parties or to the sharing of information with marketing service providers and joint marketers as described above.
If we are going to use your personally identifiable information in a manner different from that stated at the time of collection, we will notify you via e-mail. You will have a choice as to whether or not we use your information in this different manner.
We take steps to safeguard customer information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your customer information against unauthorized access. We also take appropriate corrective action when needed to enforce employee compliance with our procedures with respect to the privacy of client information. We may also ask you for personal information in order to verify your identity when you request assistance from us.
we only grant access to nonpublic personal information about you (such as your name, address social security number and credit history) to company employees and affiliated and non-affiliated service providers so that they can provide or offer products and services to you, process and service your accounts, and administer our business.
Our code of conduct requires that your information remain confidential. Even if you are no longer our client, we will continue to treat your nonpublic personal information in the same way as if you are still a client. In addition, we maintain physical, electronic and procedural safeguards that comply with federal standards to guard this personal information. Some state laws may further restrict the sharing of you nonpublic personal information.
Our system safeguards include the use of encryption to protect the confidentiality of data that you transmit to us over the internet. When you visit one of our websites, we may collect and store information about your visit on an anonymous, aggregate basis. This information may include information such as the time and length of your visit, and the pages you looked at on our site. No confidential information is collected from you online, unless you have provided it to us. We use this information only to measure site activity and to develop ideas for improving our sites.
We strongly urge you to use 128-bit encryption. Your level of encryption can be found for internet explorer by clicking www.microsoft.com or in netscape communicator or navigator by clicking www.netscape.com. If you are using a browser other than microsoft's internet explorer or netscape's communicator or navigator please check directly with your browser's software publisher.
Although we take all possible precautions to safeguard your information, you should never send confidential information via e-mail. The e-mails you send us are not secure. Customers always have the option of mailing or calling us to provide any information they wish to keep confidential.
1. For advertising received through the mail:
mail preference service
c/o direct marketing association
p.o. box 9008
farmingdale, ny 11735-9008
2. For advertising received via the telephone:
Telephone preference service
c/o direct marketing association
p.o. box 9014
farmingdale, ny 11735-9014
3. Do not e-mail list:
Please be sure to include complete information about each name, (first, middle and last name including; jr., sr., iii), and the address and telephone number you would like excluded from these lists. Also include old addresses and telephone numbers, if individuals have relocated within the last year. The same is true for name changes and the addresses and telephone numbers associated with each name.
Individuals can also have their name taken off pre-approved credit solicitations, by calling 888-50ptout (888-567 -8688) or writing to the following credit reporting agencies. Be sure to include name, (first, middle, and last name including; jr., sr., iii), current address, (previous address if moved in the last six months), and social security number.
p.o. box 919 701
allen. Tx 75103
Options equifax, inc.
P.o. box 749123
1150 lake hearn dr.
Atlanta, ga 30374-0123
Trans union corporation
name removal option
p.o. box 97328
jackson, ms 39288-7328
Debt shield reserves the right to change this privacy statement in its sole and absolute discretion. Any changes to the Debt shield privacy statement will be communicated through this site at least five days in advance of implementation and will apply only to that nonpublic personal information collected from you after the date of implementation.
If you have any questions about this privacy notice, the practices of this site or your dealings with this site, you can contact us at firstname.lastname@example.org or by writing to us at Debt shield Inc, attn. Marketing department, 9212 Berger Road; Columbia, MD 21044.
In the event a user of our site chooses to enroll in our debt negotiation and settlement program online, this privacy statement is incorporated by reference into and subject to the terms and conditions of the Debt shield services agreement. This privacy statement is not a substitute for the Debt shield services agreement and should in no way be confused with the Debt shield services agreement. Information that is shared with creditors to initiate the debt management program is subject to the Debt shield services agreement.
Furthermore, Debt shield gives you the following option for removing your information from our database to end any future communication or to discontinue the service.
Disclaimer: Debt Shield, Inc. does not provide legal, tax or investment advice. Debt Shield, Inc. does not assist in the repair, modification, improvement, extension or correction of credit entries or reporting.
Copyright 2004 by Debt Shield, Inc. All rights reserved. No publishing, broadcasting, rewriting or redistributing.