Privacy Policy
Take It Off My Credit™ takes the safety of your information and our clients' information very seriously. This applies to all the information you submit on the goafc.com website. This could include Name, Address, E-Mail address, Phone numbers, etc. This also includes automatically gathered data such as e-mail addresses, browser cookies and IP addresses. Take It Off My Credit™ does not sell, rent, loan, trade, or lease any personal information collected on our site. All personal information is used solely by Take It Off My Credit™ as directed by the consumer. Take It Off My Credit™ is committed to assuring the privacy of individuals and/or families who have contacted us for assistance. We assure you that all information shared both verbally and in writing will be managed within legal and ethical considerations.
Your "personal financial information," such as your total debt information, income, living expenses and personal information concerning your financial circumstances will be provided to creditors and possibly others with your specific authorization. We may also use aggregated case file information for the purpose of evaluating our services, gathering valuable research information and designing future programs. Your anonymity will be maintained through the use of your client number or by using aggregate data in all circumstances
In all other situations, your information may be released to appropriate individuals or agencies only upon your written request or when our staff has been served a valid subpoena.
We do not disclose any nonpublic personal information about our clients or former clients to anyone, except as permitted by law. The following PRIVACY PRACTICES detail circumstances under which we will release your information to a third party:
We collect nonpublic personal information about you from the following sources:
Information we received from you on our applications, surveys, or other forms you provide. Information about your transactions with us, your creditors, or others; and Information we receive from a credit reporting agency. We may disclose the following kinds of nonpublic personal information about you: Information we receive from you on applications or other forms, such as your name, address, social security number, assets and income; Information about your transactions with us, your creditors, or others, such as your account balance, payment history, parties to transactions and credit card usage; and personal information.
Keeping your information private:We take steps to safeguard customer information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your customer information against unauthorized access. We also take appropriate corrective action when needed to enforce employee compliance with our procedures with respect to the privacy of client information. We may also ask you for personal information in order to verify your identity when you request assistance from us. As previously mentioned, if we work with other companies who provide services on our behalf or in the case of jointly offered products, we will maintain contracts with our partners which will require them to comply with our Privacy Policy and to keep the information secure and confidential.
Customer surveys: From time to time we offer optional questionnaires and surveys to our customers for such purposes as learning more about customers' interests and needs and collecting demographic information. The use of the information collected will be explained in detail in the survey itself. If we collect personally identifiable information from you in these questionnaires and surveys, you will be given notice as to how the information will be used prior to your participation in the survey or questionnaire.
Privacy online: Our system safeguards include the use of encryption to protect the confidentiality of data that you transmit to us over the Internet. When you visit one of our websites, we may collect and store information about your visit on an anonymous, aggregate basis. The information may include information such as the time and length of your visit and the pages you looked at on our site. No confidential information is collected from you online, unless you have provided it to us. We use the information only to measure site activity and to develop ideas for improving our sites. We strongly urge you to use 128-bit encryption. Your level of encryption can be found for Internet Explorer by clicking www.microsoft.com, or in Netscape Communicator or Navigator by visiting www.netscape.com. If you are using a browser other than Microsoft's Internet Explorer or Netscape's Communicator or Navigator, please check directly with your browser's software publisher. Although we take all possible precautions to safeguard your information, you should never send confidential information via e-mail. The e-mails you send us are not secure. Customers always have the option of mailing or calling us to provide any information they wish to keep confidential.
Cookies:Like many web sites, the TakeItOffMyCredit.com web site uses "cookie" technology. Use of cookies is optional for visitors browsing our website; however, you may lose access to some of its features if your browser is not set to accept cookies. When you first connect to our site, a cookie identifies your browser with a unique, random number. Cookies help us understand which parts of our web sites are the most popular and help us make it user friendly. We use cookies to study traffic patterns on our site so we can improve your browsing. In some of our email to you, we use a click-through URL. When you click one of these URLs, your browser passes through our web server before arriving at the web site that is your destination. We track the click-through to help us determine your interest in particular topics and measure the effectiveness of our customer communications. We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous. You can set your browser to reject cookies, or to reject cookies when you are just browsing and accept cookies when you want to conduct online transactions.
Opt-In Mailing List: By submitting a question, comment, pricing and/or service request from website and/or enrolling in our program automatically opts you into our promotional mailing list. You agree that Take It Off My Credit™ shall be free to send you, from time to time, additional product or company information, including newsletters, product advertisements and/or announcements. We will never sell or disclose your e-mail address to anyone.
Call Privacy: All calls to and from Take It Off My Credit™ offices are recorded for quality assurance and training purposes; the call records remain private and property of Take It Off My Credit™.
Changes to Privacy Policy: If we decide to change the way we are going to use users' personally identifiable information in a manner different from that stated at the time of collection, we will notify users by posting a notice on our website for 30 days.
