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PRIVACY POLICY

Importance of Your Privacy. 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 our commitment to privacy, Affordable has adopted this online Privacy Policy for 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 Privacy Policy. This Privacy Policy only applies to information collected through 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 THIS PRIVACY POLICY CAREFULLY BEFORE USING ANY OF AFFORDABLE'S SERVICES. BY USING 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 THE TERMS OF THIS PRIVACY POLICY, SIMPLY EXIT THIS PAGE WITHOUT ACCESSING OR USING 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 not subject to this Privacy Policy. These third parties may be placing and reading 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 Special Note About Children. 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:

  1. Who we are
  2. Information we may collect at the Web Site
  3. How your information is used
  4. Altering the information you submit through the Web Site

  1. Who We Are. 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.
  2. Information We Collect. 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.
    1. (a) Information we receive from you via Submissions. 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 information.
      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.
    2. (b) Technical information we collect. 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.
    3. (c) Information from surveys. 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.
    4. (d) Information from the "Contact Us" section of the Web Site. 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.
    5. (e) Information collected on other sections of the Web Site. 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 such services.
  3. How your information is used. 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 set forth in the Terms of Use Agreement and elsewhere in this Privacy Policy). In 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.
  4. Altering the information you submit through the Web Site. 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 info@affordbk.com.
    1. (a) Deleting your information. 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.
    2. (b) Request to stop receiving emails from us. 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.

    Security. 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.

    Changes to Privacy Policy If we make a change to our Privacy Policy in the future that will affect how we treat your information, 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.

    Contact Information Questions or comments regarding the Affordable Web Site or this Privacy Policy should be sent by mail, telephone, 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
    E-mail: info@affordbk.com

    This Privacy Policy was last updated on September 30, 2015.
    PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.