Facts

What does Consumer Credit and Budget Counseling, Inc. d/b/a National Foundation for Debt Management (“CCBC/NFDM”) Do with your personal information?


Why?


 Financial companies 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 we do.
What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

- Social Security number and Bank Account numbers and Loan Account numbers.

- Budget and Income information as well as Credit Report data.

- Credit Card balances and Credit Card account numbers.
How?
 All financial companies need to share client’s personal information to run their everyday business. In the section, below we list the reasons financial companies can share their client’s personal information; the reasons NFDM chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information
 Does NFDM 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, or report to credit bureaus

 Yes No

For our marketing purposes—to offer our products and services to you

 Yes NO
For joint marketing with other financial companies
 Yes No

For our affiliates’ everyday business purposes—information about your transactions and experiences

 Yes No

For our affiliates’ everyday business purposes—information about your creditworthiness

 Yes No
For nonaffiliates to market to you
 NO No


Questions Call 609-390-9652 or go to www.cc-bc.com
Who We Are
Who is providing this notice?
 Consimer Credit and Budget Counseling, Inc. d/b/a National foundation for Debt Management
What we do
How does CCBC/NFDM protect my personal information?
 To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does CCBC/NFDM collect my personal information?

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

- Enroll in our programs or during a counseling session.

- Enroll in our classes or during an education session.

- Seek our advice on options to handle your debt situation.

- Housing Counseling including Foreclosure Counseling, Bankruptcy Counseling and Education, Budget and Credit Counseling
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 nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

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Definitions
Affiliates

    

Companies related by common ownership or control. They can be financial and nonfinancial companies.

- Consumer Credit and Budget Counseling
- National Foundation for Debt Management
- Warrior Support Services
Nonaffiliates
 Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint Marketing
 A formal agreement between nonaffiliated financial companies that together market financial products or services to you.