Last Updated: July 24, 2023
In connection with a request for our credit counseling services, you may be required to provide us with certain non-public personal identifiable information (“PII”) and non-public personal financial information (“PFI”). As part of this process you understand and agree that it may be necessary to share certain PII and PFI with your creditors as part of the credit counseling services. Consolidated does not share your PII and PFI with any non-affiliated third parties other than those who help us in providing assistance to you, and they are required to maintain it in strict confidence. We do not sell your PII or PFI to any outside marketer. We maintain practices and procedures designed to ensure the security, integrity, and confidentiality of your PII and PFI. Some these practices and procedures include: (i) requiring all of our employees to execute non-disclosure and confidentiality agreements; (ii) we educate and train our employees about safeguarding client PII and PFI in order to prevent unauthorized access, disclosure, or use; (iii) we limit employee access to client PII and PFI to those preforming necessary functions in assisting clients, such as yourself, during the credit counseling process. We may collect other Information which is defined as any information other than Personal Information that does not reveal your specific identity or does not directly relate to an individual, such as browser information, information collected through cookies, pixel tags and other technologies, demographic information, aggregated and de-identified data.
We may collect non-public PII and PFI about you from the following sources:
Who has access to your information? All our employees and service agents are required to maintain confidentiality of any PII or PFI that they are given access to as part of their employment. Despite all of our employees and service agents having an obligation to maintain private your PII and PFI, not all employees or servicing agents are given access to your PII or PFI. Only those employees or servicing agents who might need to know your non-public PII or PFI in order to provide you with assistance during the credit consolidation process have access to such information.
Where is the information stored? All PII and PFI is stored on secured servers, which are constantly updated with the latest security protocols. We may also process and store your personally identifiable information on a server located outside of your jurisdiction. By providing your Personally Identifiable Information to us, you consent to the transfer of your information across national boundaries. If you do not consent to such transfer as well as the processing and storage of your personally identifiable information outside your jurisdiction, you should not provide such information to us.
In the course of the credit counseling process, and in order to assist you with your financial situation, we may be required to disclose certain PII and/or PFI on your behalf, including:
We may disclose non-public PII or PFI about you to your financial service provider such as banks, creditors, saving and loans, credit unions, mortgage bankers, finance companies, and credit card issuers. For the purpose of fulfilling our mission and providing you with certain services and to process your requests and payments, we may disclose your PII or PFI to one or more service providers or other third parties who are assisting us in performing such services, all of which are required to maintain such information private. Without limiting the foregoing, these third parties may provide us with data management, payment processing, and similar services. Additionally, in the event that you fail to complete a program you enroll in, information may be referred to a servicing agent to contact you to provide additional financial services that you may want to consider.
We also share non-personally identifiable information about our user base with our advertising affiliates who drive traffic to our website to help them identify and target our ideal customer. These affiliates do not use such information for their own direct marketing purposes and do not disclose the information to other third parties for marketing purposes.
You also understand that we may be required to disclose certain PII or PFI in response to a subpoena or court order, or when required by law or when we in good faith believe disclosure is required by law, or to enforce our agreement with the client, and any other terms and conditions or polices.
In addition, should we be unable to assist you we may, with your permission, transfer/transmit any data collected during your session with our counselors to another third party service provider, which may be able to provide you with certain debt relief services.
We may use non-public PII or PFI for the following purposes:
Some states have allowed consumer to request that any PII belonging to them be deleted. You understand that because Consolidated is required to maintain files for a certain period of time, it cannot upon request delete PII belonging to the client, which must be maintained by Consolidated to comply with regulatory requirements.
Websites, by their nature, collect certain information automatically from the users interacting with them. Consolidated Website is no different. In addition to any PII that users may provide through our website (e.g. name, address, phone number, basic financial information (if applicable), etc.), our website collects certain information automatically.
Other technologies including pixel tags, web beacons, and clear GIFs - These may be used in connection with some website pages, downloadable mobile applications and HTML-formatted email messages to measure the effectiveness of our communications, the success of our marketing campaigns, to compile statistics about usage and response rates, for fraud detection and prevention, for security purposes, for advertising, and to assist us in resolving account holders’ questions regarding use of our website. You understand and agree that we may use third party pixel tags, web beacons and/or clear GIFs that may give access to third parties to your information, including your IP address and browsing activities on pages of our websites where these devices are placed. You understand that we do not control any information gathered by such devices or their use by such third parties. Please see our Advertising section below for more information regarding our use of other technologies.
Third party widgets – We may allow certain widgets (e.g., social share buttons) on our websites that enable users to easily share information on another platform, such as a social media platform. The third parties that own these widgets may have access to information about your browsing on pages of our websites where these widgets are placed. You may wish to review information at the third party site, such as social media platforms where you have an account, to determine how these third parties collect and treat such information. Also, see Linking to other sites and Social media sites below.
Retargeting – As you browse consolidated credit, advertising cookies will be placed on your computer so that we can understand what you are interested in. Our display advertising partners, enable us to present you with retargeting advertising on other sites based on your previous interaction with consolidated credit. The techniques our partners employ do not collect personal information such as your name, email address, postal address or telephone number.
We use third-party web beacons from Yahoo! to help analyze where visitors go and what they do while visiting our website. Yahoo! may also use anonymous information about your visits to this and other websites to improve its products and services and provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by Yahoo! visit https://yahoo.mydashboard.oath.com/device/ to learn how to opt out of this service.
Member Portal – The Member Portal is a useful tool for our members who have enrolled in Consolidated’s debt management program. Members may choose to register into our portal which contain specific member information and allows the member to: (i) update personal details; (ii) access member’s accounts and manage the member’s creditor account information; (iii) track upcoming payments due on your account; and (iv) communicate with our customer service specialists. In order to register to the Member Portal you will need to register a Username and Password. This username and password is unique to you. DO NOT SHARE IT WITH ANYONE, UNLESS YOU SPECIFICALLY AGREE TO PROVIDE THEM WITH ACCESS TO YOUR ACCOUNT. Consolidated will not be responsible for unauthorized access by those whom you shared your account information with as it cannot validate that it was not you who accessed it. If you are logging into member portal from a public computer, or through a public wifi. Such connections may not be secured and may expose your financial information to others. If you choose to maintain your information private do not log in using public access points. If you believe you were subject to unauthorized use and your password has been breached, please reset your password immediately and let us know if there are unauthorized changes on your account. If you fail to let us know of any unauthorized action, we will presume you made and authorized the changes in your account. If you forget your password, you may use the Forget Password tool to retrieve or replace your password.
Consolidated may make available a service through which you can receive financial guidance and account notification on your wireless device using short message service (“SMS Service”). One (1) message is sent per week. Consolidated collects certain data from you in connection with this SMS service which may include your name, address, cell phone number, your provider’s name, and the date, time, and content of your messages.
To use this service you must be at least 18 years of age and the owner or authorized user of the wireless device on which messages will be received. By agreeing to our SMS Service, you acknowledge that you are at least 18 years old, that you are either the owner or authorized user of the wireless devise, and that you understand and agree that this service may be subject to an additional fee (if applicable). In addition to any fee of which you are notified, your provider’s standard message and data rates may apply to our confirmation and all subsequent SMS correspondence. All charges are billed by and payable to your mobile service provider. Consolidated will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS IS basis.
You acknowledge and agree that the SMS Service is provided via wireless systems which use radios (and other means) to transmit communications over complex networks. You must have a two-way text-enables phone with compatible carrier and plan. Compatible major carriers include Alltel Wireless, AT&T, Boost Mobile, Nextel, Sprint, T-Mobile, Verizon Wireless and Virgin Mobile USA. We do not guarantee that your use of the SMS Service will be private or secure, and we are not liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures best suited for your situation and intended use of the SMS Service. We may also access the content of your account and wireless account with your carrier for the purpose of identifying and resolving technical problems and service-related complaints.
By providing your phone number and/or joining our SMS Service, you authorize Consolidated to contact you (including using autodialers, automated text and pre-recorded messages) via your telephone, cellphone, mobile device (including SMS and MMS) and email, even if your telephone number is currently listed on any state, federal or company’s Do Not Call list. Standard phone and data charges will apply. Your consent to the above terms is not required as a condition of purchasing or receiving our services. You also consent to the recording and monitoring of all calls to and from us. You may opt out of receiving such phone calls or text messages to your mobile device at any time by emailing us your instructions at [email protected]. You may also opt-out and remove your authorization to receive SMS text messages by replying with “STOP”, “END”, “QUIT”, “UNSUBSCRIBE”, or “CANCEL” to any SMS you receive or by going to Members of Consolidated Credit.
At Consolidated, the security of your personal information is extremely important to us. We take commercially reasonable precautions to protect your personal information and only provide employees access to it on a need-to-know basis. In an effort to prevent the unauthorized access, disclosure, dissemination, misuse, loss, alteration or destruction of your personal information, we have employed commercially reasonable physical, electronic, and managerial measures to protect your data and we periodically review these policies and procedures to prevent these types of acts. However, despite our best efforts, no security policy, procedures or practices are adequate to protect against all types of threats or data losses and no type of data transmission method is impenetrable to interception.
When you provide your e-mail address on any form or as part of any request for information, you will be automatically enrolled in our e-mail newsletter, and agree to receive email communications. You can opt-out or unsubscribe from our newsletter or other e-mail list at any time by following the instructions at the end of the newsletter or e-mail you receive. Please allow at least ten (10) business days for changes to take effect. You understand that until the opt-out takes effect you may still receive some electronic communications or newsletters. Client service-related communications are an integral part of the services which you receive from us, and you may continue to receive such service-related emails even if you opt out of the newsletters or email list. If you have provided more than one e-mail address to us, you may continue to be contacted unless you request to unsubscribe each email address you have provided. You may also opt-out of receiving our newsletter or marketing emails by contacting us at unsubscribe or by replying to an existing email with your request to be removed from the mailing list or click here.
Last updated: July 2023.
The Web Site consolidatedcredit.org is comprised of various Web pages operated by Consolidated Credit.
The Consolidated Web Site (or "Website") is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Consolidated Web Site constitutes your agreement to all such terms, conditions, and notices.
Consolidated reserves the right to change the terms, conditions, and notices under which the Consolidated Web Site is offered, including but not limited to the charges associated with the use of the Consolidated Web Site.
The Consolidated Web Site may contain links to other Web Sites ("Linked Sites"). The Linked Sites are not under the control of Consolidated and Consolidated is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Consolidated is not responsible for webcasting or any other form of transmission received from any Linked Site. Consolidated is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Consolidated of the site or any association with its operators.
As a condition of your use of the Consolidated Web Site, you warrant to Consolidated that you will not use the Consolidated Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Consolidated Web Site in any manner which could damage, disable, overburden, or impair the Consolidated Web Site or interfere with any other party's use and enjoyment of the Consolidated Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Consolidated Web Sites.
The Consolidated Web Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:
Consolidated has no obligation to monitor the Communication Services. However, Consolidated reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Consolidated reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.
Consolidated reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, is Consolidated's sole discretion.
Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Consolidated does not control or endorse the content, messages or information found in any Communication Service and, therefore, Consolidated specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Consolidated spokespersons, and their views do not necessarily reflect those of Consolidated.
Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.
Consolidated does not claim ownership of the materials you provide to Consolidated (including feedback and suggestions) or post, upload, input or submit to any Consolidated Web Site or its associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting Consolidated, its affiliated companies and necessary sub-licensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.
No compensation will be paid with respect to the use of your Submission, as provided herein. Consolidated is under no obligation to post or use any Submission you may provide and may remove any Submission at any time at Consolidated's sole discretion.
By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.
a) Mobile Devices
By providing us with your name, email address and/or phone number, you expressly authorize us to contact you (including using autodialers, automated text and pre-recorded messages) via your telephone, cellphone, mobile device (including via Short Message Service ("SMS") or wireless internet ("WAP Service")) and email, even if your number is currently listed on any state, federal or company's Do Not Call list. Standard phone and data charges will apply. Your consent to the above terms is not required as a condition of purchasing or receiving our services. You also consent to the recording and monitoring of all calls to and from us. You represent you are the owner or authorized the user of the mobile device on which messages will be received, and that you are authorized to approve any applicable charges. You may opt out of receiving calls or messages to your telephone or mobile device at any time by notifying us. You may remove your information by replying with "STOP", "END", "QUIT", "UNSUBSCRIBE", or "CANCEL" to any SMS you receive or by emailing us at [email protected]. You may click the "Opt-out" link on the bottom of the email to unsubscribe to email correspondence. You may also call (888) 244-7181 for support.
Only United States residents may use the SMS or WAP Service.
b) Data Security
SMS or WAP Services are provided via wireless systems which use radio frequencies (and other means) to transmit communications over complex networks. Consolidated does not guarantee your use of the SMS or WAP Services will be private or secure, and Consolidated will not be liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures appropriate to your situation and intended use of the SMS or WAP Service. You acknowledge and agree Consolidated may access the content of your account and the wireless account with your carrier for the purpose of identifying and resolving technical problems and service-related complaints.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE CONSOLIDATED WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. CONSOLIDATED AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE CONSOLIDATED WEB SITE AT ANY TIME. ADVICE RECEIVED VIA THE CONSOLIDATED WEB SITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.
CONSOLIDATED AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE CONSOLIDATED WEB SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. CONSOLIDATED AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
SERVICE CONTACT: admin@consolidatedcredit .org
Consolidated reserves the right, in its sole discretion, to terminate your access to the Consolidated Web Site and the related services or any portion thereof at any time, without notice.
Governing Law, Jurisdiction, Venue. To the maximum extent permitted by law, this Agreement is governed by the laws of the State of Florida, U.S.A., without regards to any choice of law provisions. Should you properly opt out of Arbitration, you hereby consent to the exclusive jurisdiction and venue of courts in Broward County, Florida, U.S.A. in all disputes arising out of or relating to the use of the Website. If you did not opt out of Arbitration, please see the Arbitration provision below for the applicable law and jurisdiction governing your arbitration. You and we agree to submit to the personal jurisdiction of the courts located within Broward County, Florida for the purpose of litigating all such claims or disputes.
Relationship of the Parties. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Consolidated as a result of this Agreement or use of the Website.
Applicability of Laws. Consolidated’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Consolidated’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Website or any information provided to or gathered by Consolidated with respect to such use. Use of the Website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.
Severability. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.
We reserve the right to update, amend and/or change this Agreement at any time in our sole discretion and without notice. Updates to this Agreement will be posted here. Amendments will take effect immediately upon us posting the updated Agreement on our Services. You are encouraged to revisit this Agreement from time to time in order to review any changes that have been made. The date on which this Agreement was last updated will be noted immediately above this Agreement. Your continued access and use of our Services following the posting of any such changes shall automatically be deemed your acceptance of all changes.
Notwithstanding any provision in the Agreement to the contrary, you and we agree that if we make a change to this agreement to arbitrate in the future, that change shall not apply to a claim that was filed in a legal proceeding between you and us prior to the effective date of the change.
Consolidated, and the Consolidated logo are trademarks, trade names or service marks of Consolidated, LLC or its related companies. All other trademarks and service marks are the property of their respective owners. You are not permitted to use any trademark or service mark displayed on this Site without the prior written consent of Consolidated or the owner of such trademark or service mark.
The names of actual companies and products mentioned herein may be the trademarks of their respective owners.
The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.
Any rights not expressly granted herein are reserved.
In accordance with the requirements set forth in the Digital Millennium Copyright Act, Title 17 United States Code Section 512(c)(2) ("DMCA"), Consolidated will investigate notices of copyright infringement and take appropriate remedial action. If you believe that any Content on the Site has been used or copied in a manner that infringes your work, please provide a written notification of claimed copyright infringement to the Designated Agent for the Site containing the following elements as set forth in the DMCA:
Consolidated's designated agent for the written notification of claims of copyright infringement can be contacted at the following address:
Designated Agent – Copyright Infringement Claims
5701 W. Sunrise Blvd.
Plantation, FL 33313
Email: [email protected]