The following practices govern our efforts to maintain your privacy:
1. We do not disclose any nonpublic personal information about our clients or former clients to anyone, except as required by law.
2. We may compile data and information that you give to us, but this information may not be disclosed in a manner that would personally identify you in any way.
3. We may disclose some or all of the information that we collect, as described below, to creditors, related financial institutions, or third parties that you have authorized who need this information in order for us to assist you. This information is collected from the following sources:
- From you, on our applications or other forms that you provide, such as your name, address, social security number, assets, and income.
- From your transactions with us, your creditors, and others, such as your account balances, payment history, parties to transactions and credit card usage.
4. Access to nonpublic personal information about you is restricted to those employees who need the information to provide services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
5. Client data sheets are disposed of (shredded) if there is no follow-up contact after approximately six months. Electronic records of appointment dates and counseling notes are maintained electronically, and are not purged.