You are providing your express “written” consent to Homeownership.org to contact you at the email and phone number provided (including by auto dialer, text and pre-recorded messaging) via landline and mobile device (including SMS and MMS) even if your phone number is currently listed on any state, federal or corporate Do Not Call list. Standard message and data rates may apply. Consent is not required as a condition to purchase any of our goods and services. If you would prefer to contact us rather than having us contact you, please call us at 1 (800) 294-3896.
Credit.org is committed to assuring the privacy of individuals and/or families who have contacted us for assistance. Your privacy is held in strict confidence in compliance with the Gramm-Leach-Bliley Privacy Act except as authorized to be released by you. We assure you that all “nonpublic personal information” shared both orally and in writing such as your name, address, telephone number, assets, liabilities and any other personal information concerning your finances will be managed within legal and ethical considerations.
What personal information is collected from you, and how we use it. In general, credit.org uses the information collected on our web site to help us understand who uses our web site and how it is used, to perform statistical analysis of user behavior or to evaluate and improve our online services, and to personalize your online experience. If you enter your email address, name and phone number, and ask for more information or send us an email with questions or comments, we may use your information to send you a welcoming email, electronic newsletters, contact you about services, information and news that may be of interest to you and provide you with targeted feedback, and may file your questions or comments for future reference. In addition, if you become a client of credit.org, we may use your information to send you an email with instructions on how to set up your account(s).
The web site also offers community boards, blogs, and chat rooms. You should be aware that any personally identifiable information you submit there can be read, collected, or used by other users of these forums, and could be used to send you unsolicited messages. We are not responsible for the personally identifiable information you choose to submit in these forums.
We do not knowingly collect personally identifiable information from children under the age of thirteen. Children under the age of thirteen may not submit any personally identifiable information to credit.org.
How your information is transferred to Third Parties. The following privacy practices detail circumstances under which we may release your information to a third party as permitted by law:
- When you have provided a request to do so, or when our staff has been served by a valid subpoena.
- We may compile data and aggregate information that you give us, and share it with our partners, advertisers and connected sites, but this information may not be disclosed in a manner that would personally identify you in any way.
- Access to nonpublic personal information about you may be released to contractors or agencies with legitimate authority to provide services to you, or to monitor credit.org’s practices for quality assurance or compliance purposes.
How to modify/delete your information. You may access or correct your personal information, privacy preferences and/or opt-out of communications by writing or calling credit.org at:
P O Box 5438
Riverside, CA 92517-5438
Please include your name, address, and/or e-mail address when you contact us.
Web Beacons. We, our third party service providers, advertisers or our partners may also use “web beacons” or clear .gifs, or similar technologies, which are small pieces of code placed on a web page to monitor the behavior and collect data about the visitors viewing a web page. Web beacons may be used to count the users who visit a web page or to deliver a cookie to the browser of a visitor viewing that page. For example, if you often visit content on credit.org about debt relief, we may use web beacons to infer your possible interest in debt relief and may deliver an ad to you related to that interest.. The type of information collected might include the IP address of the computer, the web page being viewed, the date/time it was viewed, and user activity on the page. It’s important to understand that these technologies do not use personally identifiable information to make this happen but instead use anonymous identifiers within the cookies stored in your browser. We do not collect personally identifiable information through web beacons.
Opt-out. If you do not wish to allow your browsing information on our sites to be aggregated and analyzed by us, you may choose to opt-out. When you opt out, we will place an opt-out cookie on your computer to track that you’ve opted out. The opt-out cookie tells us not to use your information for delivering relevant online advertisements. That opt-out cookie (like all cookies) is associated with a particular computer and browser, so for example if you get a new computer, install a new browser, or delete your cookies, you’ll need to opt-out again. If you opt out, you’ll still see the same ads from us online, but we just won’t know it’s you, so we won’t be able to apply any of your preferences to make them as relevant to you.
We understand that some users may choose to opt out of our interest-based ads.
- You can opt-out via the Network Advertising Initiative industry at: www.networkadvertising.org/managing/opt_out.asp
- You can opt-out via the Consumer Choice Page at: www.aboutads.info/choices
- You can opt-out via the Google Ads Preference Manager at: www.google.com/ads/preferences
Your access to our websites should not be affected if you do not accept cookies served by third parties. Please note that if your browser is set to block third party cookies, this feature may not operate or display properly.
Monitoring of Phone Calls. Credit.org may monitor and/or record out-bound and in-bound telephone calls for quality assurance purposes, where permissible by law. Any recording or information obtained from monitoring telephone calls is held in the same strict confidence as all the information we gather.
Last Revised: 01/10/2019