Introduction

National Credit Counseling Bureau ("NCCB," "we," "our," or "us") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard information obtained through our website, services, communications, and related platforms.

By accessing our website or using our services, you consent to the practices described in this Privacy Policy.

Information We Collect

We may collect the following categories of information:

Personal Information

• Name
• Address
• Email address
• Telephone number
• Date of birth
• Employment information
• Financial information
• Income and expense information
• Debt and creditor information

Credit-Related Information

When authorized by you, we may obtain information relating to:

• Credit reports
• Credit scores
• Credit account information
• Debt obligations
• Payment history

Technical Information

• IP address
• Browser type
• Device information
• Operating system
• Website usage information
• Cookies and similar technologies

How We Use Your Information

We may use your information to:

• Provide credit counseling services
• Evaluate eligibility for debt relief programs
• Develop personalized financial action plans
• Administer Debt Management Plans
• Communicate with creditors on your behalf when authorized
• Respond to inquiries and service requests
• Improve our services and website
• Send educational materials and service updates
• Comply with legal and regulatory obligations
• Prevent fraud and unauthorized activity

SMS and Email Communications

If you choose to provide consent, NCCB may send informational emails, educational content, service updates, appointment reminders, and account-related notifications. Consent to receive communications is voluntary and is not a condition of purchasing services.

Message frequency may vary. Standard message and data rates may apply. You may opt out at any time by following the unsubscribe instructions provided in our communications.

Information Sharing

NCCB does not sell personal information.

We may share information with:

• Creditors when authorized by you
• Service providers assisting in the delivery of our services
• Credit reporting and monitoring partners
• Government agencies when required by law
• Legal or regulatory authorities as necessary

All third parties are required to protect your information appropriately.

Data Security

NCCB maintains administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction. While we strive to protect your information, no method of transmission or storage can be guaranteed to be completely secure.

Cookies and Tracking Technologies

Our website may use cookies and similar technologies to enhance functionality, analyze website performance, and improve user experience. Users may manage cookie preferences through their browser settings.

Children's Privacy

NCCB services are intended for adults. We do not knowingly collect personal information from individuals under the age of 18.

Your Privacy Rights

Depending upon your state of residence and applicable law, you may have rights regarding access to, correction of, or deletion of certain personal information. Requests may be submitted using the contact information provided below.

Changes to this Privacy Policy

NCCB may update this Privacy Policy from time to time. Updates will be posted on this page with a revised effective date.

Contact Information

National Credit Counseling Bureau (NCCB)

E-mail: legal@nccbcredit.com

Phone: 1-800-XXX-XXXX