November 20, 2017
 
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Privacy Policy

Thank you for selecting CCC as your Debt Management Agency. At CCC, we recognize that privacy is important to you. That is why we are committed to protecting your privacy through the adoption of the following privacy principles:

Collection of Information:
We collect, retain and use information about you, including members of your household, only where we believe that it will help or is necessary to provide you the best services we offer or otherwise conduct our business. We collect non-public personal information about you from the following pre-disclosed sources: 
  • Information we receive from you though your applications or other forms.
  • Information we receive from or about you in the process of adjusting your debts.
  • Information we receive from your creditors in the process of managing your debts.
  • Information we receive from or about you in contacting the credit reporting agencies on your behalf. 
Such information may include but is not limited to identifying information such as your name, address and social security number- financial information such as income, bank account numbers, credit account numbers, payment history, credit history. Under certain circumstances, we may obtain health information such as illnesses, disability and or injury.
 
Disclosure of Information:
We usually do not disclose non-public personal information about you without your consent. However, in some circumstances, we may, indirectly, disclose information about you in the normal process of conducting our business. The following are the most common disclosures: 
  • State Financial Departments, for their regulation of our business
  • The Internal Revenue Service – for their regulation of our business
  • Certification and Accreditation Agencies that govern our business
  • Our Auditing Accounting Firm for accounting purposes
  • Any other third party, as permitted, or required, by law 
Confidentiality and Security:
We restrict access to your non-public personal information to only those who need it to serve your debt management needs and to maintain and improve customer service. We maintain physical, electronic and procedural safeguards that comply with federal and state laws to guard your personal information.
 
Your Right to Access and Correct Information:
Upon written request, we will send you a copy of relevant information we have. Please address your request to: CCC, 5838 Edison Place, Suite #200, Carlsbad, CA 92008. If you feel that our information is incorrect, please let us know and we will review it and make the necessary corrections or respond to you accordingly.
 
Changes to Privacy Policy:
We may choose to modify our policy at any time. Before we do so, we will notify you and provide an updated notice.
 
Most importantly, CCC does not and will not disclose your personal non-public information to anyone for marketing purposes.
 
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