Facts
What does National Foundation for Debt Management (“NFDM”) Do with your personal information?
Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
---|---|
What? |
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
|
How? | All financial companies need to share client’s personal information to run their everyday business. In the section, below we list the reasons financial companies can share their client’s personal information; the reasons NFDM chooses to share; and whether you can limit this sharing. |
Reasons we can share your personal information | Does NFDM share? | Can you limit this sharing? |
---|---|---|
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus |
Yes | No |
For our marketing purposes— to offer our products and services to you |
Yes | No |
For joint marketing with other financial companies | Yes | No |
For our affiliates’ everyday business purposes— information about your transactions and experiences |
Yes | No |
For our affiliates’ everyday business purposes— information about your creditworthiness |
Yes | No |
For nonaffiliates to market to you | No | Yes |
Questions? | Call 727-254-5353 or go to www.nfdm.org |
---|
Who we are | |
---|---|
Who is providing this notice? | National Foundation for Debt Management. ("NFDM") |
What we do | |
---|---|
How does NFDM protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
How does NFDM collect my personal information? |
We collect your personal information, for example, when you
Housing Counseling including Foreclosure Counseling, Bankruptcy Counseling and Education, Budget and Credit Counseling |
Why can’t I limit all sharing? |
Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. |
Definitions | |
---|---|
Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. |
Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. |
Other Important Information | |
---|---|
For Vermont Members/Customers |
We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. |
Additional information concerning our privacy policies can be found at www.nfdm.org or call 866-799-2122.