. At Consumer Education
Services, Inc (CESI) (d/b/a Affordable Bankruptcy Courses) (“Affordable”), your
privacy is of great importance to us. We understand that you entrust us with your
private information to help us match you with a credit counseling agency (an "Agency"),
offer access to various products, or provide other services described at the web
site located at www.affordablebankruptcycourses.com (the "Web Site"). To underscore
the Web Site. Rest assured that we protect your privacy. Under no circumstances
will Affordable sell or share any personal information about you to or with any
person or organization except (i) as authorized by you, (ii) with Agencies, (iii)
with Providers to the extent you purchase access to a debtor education course, (iv)
as may be required by law or court order, or (v) as otherwise set forth in this
the Web Site and describes the standards we adhere to in handling that information
including any personal information you submit through the Web Site. PLEASE READ
ANY SUCH SERVICES YOU ARE ACKNOWLEDGING THAT YOU HAVE READ AND UNDERSTAND THIS POLICY
AND THAT YOU AGREE TO BE BOUND BY ITS TERMS. IF YOU DO NOT AGREE TO BE BOUND BY
OUR WEB SITE OR ANY OF OUR SERVICES. Third party partners of Affordable and other
websites you may access via our Web Site have different privacy policies and are
cookies on your browser, or using web beacons to collect information. You can adjust
your own browser’s cookie permission through the various privacy settings and we
recommend that you read the privacy statement of each such website to find out how
they protect your personal information.
A . Children are not
eligible to use our service and we ask that minors (under the age of 13) do not
submit any personal information to us or use the service. Affordable does not collect
or maintain information from those actually known to be under the age of 13, and
no part of the Web Site is directed at or structured to attract anyone under the
age of 13.
Important Categories of Information for you to Know:
- Who we are
- Information we may collect at the Web Site
- How your information is used
- Altering the information you submit through the Web Site
- . Affordable owns and operates the Web
Site, the purpose of which is to connect consumers to Agencies and to provide other
services in connection with the bankruptcy process. Based on the information you
supply at the Web Site (a "Submission") and based on the services you have selected,
Affordable will make your data available to an Agency or Provider assigned to you
or otherwise use such information to provide the requested services. In addition,
depending on the products or services selected by you, we may make information submitted
by you at the Web Site available to third party vendors to the extent you have purchased
any services or products from such vendors through the Web Site. This Agency or
Provider, if applicable, will likely contact you after reviewing your Submission
or information submitted in connection with the Course.
- . There are several areas
on the Web Site where you may be asked to enter both personal and non-personal information.
Such information may also be requested by us and/or provided by you to us or to
an Agency through online live chat features made available through the Web Site.
We DO NOT sell or share any personal information about you to or with any person
or organization except (i) as authorized by you, (ii) to participating Agencies,
(iii) as set forth herein, or (iv) as may be required by law or court order.
To use Affordable's services, when you come to the Web Site you'll need to provide
personal information such as your name, phone number, Social Security Number, e-mail
address, income, information regarding assets and liabilities and other financial
If you enter your email address, name, and phone number requesting more information about Start Fresh Today, 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 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.
- . In order
for Affordable to ensure that we are providing the best possible consumer experience
on the Web Site, we collect and track certain user information. When you visit the
Web Site, 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 number as you browse the Web Site. When
you complete a Submission, we store your cookie identification in our system. This
cookie allows our site to recognize you when you return. Affordable also utilizes
web logs to track aggregate information about how our Web Site is being used. Web
logs track anonymous user information, including the number of visitors to the Web
Site, operating systems, internet service provider addresses (if publicly available),
and browser type. Unlike cookies, web logs are maintained only on Affordable servers
and do not store or place anything on the user's computer. If you come to the Web
Site from an online banner ad, an anonymous identification number may be passed
to the Web Site. This information cannot be used to gather any personally identifiable
information about you. This information will only allow us to track the overall
effectiveness of our online advertising, marketing and banner advertisement campaigns.
- . You may have the
option of completing an online survey at the Web Site from time to time. Participation
in surveys is completely voluntary and it is your choice whether or not you wish
to disclose your personal information to us in connection with any such survey.
- . You may contact Affordable through the "Contact Us" feature or, as
available, through online chat features that may be made available through the Web
Site. Participation in this area is completely voluntary and it is your choice whether
or not you wish to disclose your personal information to us.
- . Affordable may, from time to time, make various resources available
to you at the Web Site to help educate you about the bankruptcy and/or credit counseling
industry. At times we may collect personal information in connection with providing
- . We use the information
you provide in your Submission or other submission of information to match you with
an Agency or Provider, and, to the extent attorney due diligence products are purchased
at the Web Site, to provide other services to you as described throughout the Web
Site. Affordable may also share certain aggregated data with our Agencies and other
third parties for general reporting and demographic purposes; however, this data
does not include any of your personal identifying information. As the Agencies and
Providers may keep and use your information whether or not you work with them on
a transaction, we recommend that you contact them directly for more information
about their specific privacy policies. Some of our services may be offered in conjunction
with partner companies, affiliates or other companies or web sites with which we
work. In order for us to provide these services to you, it may be necessary for
us to share your personal information with such entities (subject to any limitations
addition, again subject to the limitations described in the preceding parenthetical,
personal information entered by you in various sections of the Web Site may be shared
with software partners to assist licensees of such software programs, to the extent
such licensees are also working with you, to complete forms in a more expeditious
manner. These parties are not allowed to use personally identifiable information
except for the purpose of providing these services. If you do not want your data
to be shared, you can choose not to allow the transfer by not using that particular
service. In addition, Affordable may disclose account or other personal information
when we have reason to believe that disclosing this information is necessary to
identify, contact or bring legal action against someone who may be causing injury
to or interference with Affordable's rights or property, other Web Site users or
anyone else that could be harmed by such activities.
You may be able to review and change personal information in an active Submission
that you completed through Affordable at the Web Site. If you are unable to complete
this online, you may contact our customer care department at firstname.lastname@example.org.
- . Federal and state
regulations may require that we store completed Submissions for various periods
of time. In order to comply with these regulations, we may be unable to delete information
from our databases.
- . Periodically,
Affordable may send you emails to alert you to money saving tips or special offers.
If you do not wish to receive any of these offers, please reply to the email to remove yourself from our mailing list or use the Unsubscribe link in the footer of the email.
. Affordable uses extensive and sophisticated
secure technology to protect your data and transmissions between you, Affordable
and Agencies participating in the Web Site. Transmission between browsers and our
web server is implemented using Secure Sockets Layer (SSL) technology. This technology
requires an SSL-capable browser. Our database is physically separated from our web
server and is protected by a physical firewall. Although Affordable has taken these
reasonable and appropriate measures to ensure that your personal information is
delivered and disclosed only in accordance with your instructions, Affordable cannot
and does not guarantee that the personal information you provide will not be intercepted
by others and decrypted.
If we make a change to
we will post such change at the Web Site, and such change will be deemed to be effective
as of the date of such posting. In that case, your ability to opt out of the new
policy will be determined by applicable laws.
Questions or comments regarding
or e-mail to:
Consumer Education Services, Inc. (d/b/a Affordable Bankruptcy Courses)
3700 Barrett Drive
Raleigh, NC 27612
Customer Service: (888) 268-7064
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.