Financial Information Privacy Notice
Effective Date: January 22, 2021
This Notice is provided by Debt.org LLC (“Debt.org”), which owns and operates this website, to explain what Debt.org does with your personal information as a financial organization. For additional information about the functionality of this website and the information collected through it, please review our Privacy Policy.
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 Debt.org 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:
- Employment status
- Income and expense information
- Asset and liability information
- Credit history and 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 Debt.org chooses to share; and whether you may limit this sharing.
| Reasons we can share your personal information | Does Debt.org Share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes – such as to respond to court orders and legal investigations. | Yes | No |
| For our marketing purposes – to offer programs and services to you. | Yes | Yes |
| For joint marketing with other financial organizations | Yes | Yes |
| For our affiliates’ everyday business purposes – information about your creditworthiness. | Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For non-affiliates to market to you | Yes | Yes |
| For our research and statistical analysis purposes – to improve our services to you and to other consumers. | Yes | Yes |
To Limit Our Sharing
Call our offices toll free at 1-888-505-2105 or send an email to [email protected].
You may also write to us at 5750 Major Blvd, Suite 310, Orlando, Florida 32819.
Questions
Call our offices toll free at 1-888-505-2105 send an email to [email protected].
Who We Are
Debt.org LLC is a wholly-owned subsidiary of InCharge Education Foundation, Inc., a nonprofit organization, that provides personal finance educational resources to the general public.
What We Do
How does Debt.org 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 Debt.org collect my personal information?
We collect your personal information, for example, when you:
- 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.
We also collect your personal information from othercompanies.
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.
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 Debt.org by common ownership or control. Our affiliates include companies with a common name; financial companies, such as InCharge Debt Solutions, InCharge Institute of America, Inc, and InCharge Education Foundation, Inc.
Non-affiliates: Companies not related to Debt.org by common ownership or control. Nonaffiliates we share with can include financial and nonfinancial companies, such as mortgage companies, insurance companies, direct marketing companies, attorneys, lenders, and nonprofit organizations.
Joint-marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our joint marketing relationships may include for-profit organizations.
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: [email protected]. If you prefer not to receive marketing calls from us, you may contact us at Debt.org LLC, 5750 Major Blvd., Suite 350, Orlando, FL 32819; Phone number 1-888-505-2105, email: [email protected].
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 Debt.org, 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.