1. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as required by law.

2. We may compile data and aggregate information that you give to us, but this information may not be disclosed in a manner that would personally identify you in any way.

3. We may disclose some or all of the information that we collect, as described below, to creditors, or third parties who need this information in order for us to assist you after a counseling session.

4. We may, with your authority, disclose all of the information that we collect, as described below, to creditors and related financial institutions who need this information in order to put you on a debt management program (DMP).

5. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

6. We collect nonpublic personal information about you from the following sources:

• Information we receive from you on our applications or other forms you provide;
• Information about your transactions with us, your creditors, or others; and
• Information we receive from a credit reporting agency.

7. We may disclose the following kinds of nonpublic personal information about you:

• Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;
• Information about your transactions with us, your creditors, or others, such as your account balance, payment history, parties to transactions and credit card usage; and
• Information we receive from a credit reporting agency, such as your credit history.