Privacy Notice

Effective Date: January 8, 2018

Facts: What does InCharge Debt Solutions, “InCharge” do with your personal information

Why?                      

Financial organizations choose how they share your personal information.  Federal law gives consumers the right to limit some but not all sharing.  Federal law also requires us to tell you how we collect, share and protect your personal information.  Please read this notice carefully to understand what InCharge does with your personal information.

What?                    

The types of personal information we collect and share depend on the program or service provided to you.  This information may include, but is not limited to:

  • Social Security number
  • Employment information
  • Income and expense information
  • Asset and liability informationincluding your mortgage information
  • Credit history
  • Credit card or other debt information

How?                      

All financial organizations need to share a client’s personal information to run their everyday business.  In the section below, we list the reasons financial organizations may share their clients’ personal information; the reasons InCharge chooses to share; and whether you may limit this sharing.

Reasons we can share your personal informationDoes InCharge Share?Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations.YesNo
For our marketing purposes – to offer our programs and services to you.YesYes
For joint marketing with other financial organizationsYesYes
For our affiliates’ everyday business purposes – information about your creditworthiness.YesYes
For our affiliates to market to youYesYes
For non-affiliates to market to youYesYes
For our research and statistical analysis purposes – to improve our services to you and to other consumers.YesYes

To Limit Our Sharing

Call our offices toll free at 888-734-6229 or send an email to privacy@incharge.org.

You may also write to us at 5750 Major Blvd., Suite 300, Orlando, Florida 32819.

What We Do

How does InCharge protect my personal information?

To protect your personal information, from unauthorized access and use, we use security measures that comply with federal and state laws.  These measures include computer safeguards and secured files and buildings.

How does InCharge protect my personal information?

To protect your personal information, from unauthorized access and use, we use security measures that comply with federal and state laws.  These measures include computer safeguards and secured files and buildings.

How does InCharge collect my personal information?

We collect your personal information, for example, when you:

  • Seek credit counseling, budget counseling, bankruptcy counseling and education, housing counseling, and debt management services from us.
  • Register online or set up an account with us.
  • Give us your income and expense information.
  • Provide us your employment and financial information.
  • Provide information to us through our website.
  • Give us your mortgage information or request assistance with a lender loan modification process.

We also collect your personal information from others such as credit bureaus, creditors, and other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

  • Sharing for affiliates’ everyday business purposes – information about your creditworthiness.
  • Affiliates from using your information to market to you.
  • Sharing for non-affiliates to market to you.

The information you provide to us is necessary for InCharge to provide services to you. If you were permitted to limit the sharing of all information, we would be unable to assist and help you, or provide you with our programs and services.  State laws and individual companies may also give you additional rights to limit sharing.

What happens if I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on the account.

Definitions

Affiliates: Companies related to InCharge common ownership or control.  They can be financial and non-financial companies.  InCharge’s supporting organizations, InCharge Education Foundation, Inc. and InCharge Institute of America, Inc., are affiliates of InCharge.

Non-affiliates: Companies not related to InCharge by common ownership or control.  They can be financial and non-financial companies.

Joint-marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you.  Our joint marketing partners may include other non-profit organizations and credit counseling trade groups. credit counseling trade groups.

Other Important Information

State laws may also limit what we do with your nonpublic personal information.  Some of these laws are described further below.  Please contact us if you have any questions about these or other laws that may be applicable.

For Nevada residents: We are providing you this notice under state law.  Nevada state law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV  89101; Phone number 702-486-3132; email: bcpinfo@ag.state.nv.us.  If you prefer not to receive marketing calls from us, you may contact us at InCharge Debt Solutions, 5750 Major Blvd., Suite 300, Orlando, FL 32819; Phone number 888-734-6229; email: privacy@incharge.org.

For Vermont residents: Under Vermont law, we will not share information we collect about Vermont residents with companies outside of our supporting organizations, unless the law allows.  For example, we may share information with your consent, to service your accounts or under joint marketing agreements with other financial institutions with which we have joint marketing agreements.  We may share information about our transactions or experiences with you with our supporting organizations without your consent.

For California residents: Under California law, we will not share information we collect about you with companies outside of InCharge, unless the law allows.  For example, we may share information with your consent, to service your accounts, or to provide the programs and services you request.  We will limit sharing among our supporting organizations to the extent required by California law.

For North Dakota residents:  North Dakota law may limit when we may disclose your personal information to a third party.  For example, we may share information, with your written consent, with a nonaffiliated third party under a joint marketing agreement.  Consent is not required for marketing on our own behalf or if we do not share your information with a nonaffiliated party.

For Kentucky residents:  We will not sell or transfer your personal information without your authorization and without putting in place required confidentiality provisions.