Notice of Privacy Statement

At Consumer Education Services, Inc. (CESI), we want to be sure that you get superior service and quality products. We are concerned about the privacy of your personal information. We are sending you this notice to help you understand how we may collect non-public personal information about you, the type of information we may collect, and what information we may disclose about you.

The same rules apply to former customers as apply to current customers. When we use the terms “non-public personal information,” we mean personally identifiable information that is not publicly available, such as your name, address, phone number, social security number, credit score and credit history, and credit card information and balances.

Sources of Non-public Person Information We Collect

1. Information we receive from you on applications or other forms over the Internet or telephone.
2. Information we receive about your debts from your creditors and others that may have a relationship with your or your creditors.
3. Information regarding your credit history that we receive from a consumer reporting agency.

Information We Disclose

Sharing Information with Our Affiliates: Unless you tell us not to (called “opt out”), we may share all of the non-public personal information we collect, as described above, with companies in our corporate family (called “affiliates”). Our future affiliates may include financial service providers, such as other non-profit credit counseling agencies.
Sharing Information with Non-affiliated Third Parties: Unless you tell us not to (called “opt out”), we may share all of the non-public personal information we collect, as described above, with non-affiliated companies outside our corporate family. We will share this information when we believe these other companies are able to extend services or products that might be of value to you. These other companies may be financial service providers (such as insurance agents).
We also may disclose any non-public personal information to anyone as permitted by law. For example, we disclose information about you to third parties with your consent or at your direction or if disclosure is necessary to effect, administer, or enforce your transaction with us. For example, we will share your non-public personal information with your creditors and service providers that assist us with the functions that we provide on your behalf pursuant to your debt management plan or other service for which you have engaged us. In addition, we may disclose all of the information we collect, as described above, to companies that perform services and functions, including marketing services, on our behalf and we may disclose some of this information to other financial institutions with whom we have joint marketing agreements.

Protection of Your Information

We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.

How to Opt Out (Direct Us Not to Share Certain Information)

Opt Out for Nonaffiliated Third Parties: If you prefer that we not share information with companies outside our corporate family, you may direct us not to share information by calling us toll free at 1-800-498-2983. An opt out by one consumer will be treated as an opt out for all joint consumers for the same product, account, or service you have with us. Note: Even if you direct us not to share information with companies outside our corporate family, we may disclose non-public personal information as permitted by law and to companies that perform services and functions, including marketing services, on our behalf. We also may disclose some of this information to other financial institutions with whom we have joint marketing agreements.
Opt Out for Affiliates: If you prefer that we not share information with our corporate affiliates, you may direct us not to share information by calling us toll free at 1-800-498-2983. An opt out by one consumer will be treated as an opt out for all joint consumers for the same product, account, or service you have with us. Note: Even if you direct us not to share information with our affiliates, we may still share with our affiliate’s information about our direct experiences and transactions with you as permitted by law.

Technical Information We Collect

In order for us to ensure that we are providing the best possible consumer experience on the Website, we collect and track certain user information through Google Analytics. When you visit the Website, our web server sends a cookie to your computer. This cookie stores a limited amount of information about your site visit. The cookie tracks aggregate information on how our site is being used, including session counts, navigation patterns, pages visited, etc. These cookies, however, do not store any personally identifiable information such as your name, e-mail address or phone. Our Google Analytics usage includes certain features related to Display Advertising and Google Analytics Demographics and interest reporting. To learn how Google uses the data they collect, visit the Google Privacy Policy. If you prefer not to receive Google Analytics Display Advertising, visit Google to opt out by adjust your Ad Settings.

Information We Receive from You via Submissions

If you enter your email address, name, and phone number requesting more information about CESI’s programs, we may use your information to send you a welcome email, electronic newsletters and contact you about products, services, information, and news that may be of interest to you. In addition, if you become a registered user of this website, we may send you related information via email.

If you prefer that we do not send you email communications, you may opt out of those services at any time—that is you may direct us not to use your email address as part of our marketing efforts. If you wish to opt out of email communications, you may do so by emailing unsubscribe@cesisolutions.org, by replying to an existing email with your request to be removed from the mailing list or using the Unsubscribe link at the bottom of each email.

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 you 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.

Policy Change

We reserve the right to change our privacy policy and this privacy notice from time to time. We will notify you in writing of significant changes to our privacy policies and will prominently post the current version of our privacy policy on our website. Until we obtain your consent, we will continue to handle your non-public personal information in the same manner as when we initially collected it from you.