Privacy Policy

PRIVACY NOTICE AND SECURITY POLICY

Consumer Credit Counseling Service of Central Oklahoma(“CCCS,” “we,” or “us”) is committed to assuring the privacy of individuals and/or families (“you” or “your”) who have contacted us for assistance. We realize that the concerns you bring to us are highly personal in nature. We assure you that all information shared orally, in writing, and online or any of  CCCS’s other websites will be managed within legal and ethical considerations and in accordance with the policies described herein

FACTS WHAT DOES CCCS 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 can include:

  • Social Security number, income, assets, and liabilities
  • Account balances and transaction history
  • Credit history and payment history
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons CCCS chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does CCCS 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 No 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 No We don’t share
For our affiliates to market to you – No We don’t share

 

Questions?   Call (800) 364-2227 or go to http://www.cccsok.org/privacy_policy

 

What we do
How does CCCS OF CENTRAL OK protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal and state law. These measures include computer safeguards and secured files and buildings.
How does CCCS OF CENTRAL OK collect my personal information? We collect your personal information, for example, when you:

  • give us your income, account balances, credit history, employment information, or contact information;

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only:

  • sharing for affiliates’ everyday business purposes-information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliated to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for information on your rights under certain State laws.

 

Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.

  • CCCS OF CENTRAL OK has no affiliates
Non affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Non affiliates we share with can include your financial service providers or creditors; Member Agencies; the administrators, intermediaries, or other entities that fund and manage grants; and CCCS OFCENTRAL OK’s service providers, agents, or representatives.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include Member Agencies.

 

Other Important Information
INFORMATION FOR RESIDENTS OF VERMONT, NEVADA & CALIFORNIA

  • Vermont. CCCS OF CENTRAL OK does not conduct business inVermont
  • ·        Nevada. CCCS OF CENTRAL OK does not conduct business in Nevada
  • California. CCCS OF CENTRAL OK does no business inCalifornia
 

 

SECURITY POLICY

Consumer Credit Counseling Service of Central Oklahoma (“CCCS OF CENTRAL OK,” “we,” or “us”) or any of CCCS OF CENTRAL OK’s other websites use extensive and sophisticated secure technology to protect your data and transmissions between you, the NCLSTM, Member Agencies, counselors, and creditors. Transmission between browsers and our web server is implemented using Secure Sockets Layer (SSL) technology. Transmissions between the NCLSTM and participating Member Agencies, counselors, and creditors are encrypted using public key cryptography algorithms with a minimum key size of 128 bits. Our database is physically separated from our web server and is protected by a physical firewall.

Although CCCS OF CENTRAL OK has taken these reasonable and appropriate measures to ensure that your personal information is delivered and disclosed only in accordance with your instructions, CCCS OF CENTRAL OK cannot and does not guarantee that the personal information you provide, or that Member Agencies or creditors provide about you, through the NCLSTM will not be intercepted by others and decrypted.

Additionally, be attentive to the following situations to ensure your confidentiality is not compromised:

  • if someone else has access to your computer, and is able to read email or files stored on your disk
  • if you print email on paper, and someone finds the paper
  • if you use a workplace computer – your employer has a legal right to read your email on that machine
  • if you accidentally make a mistake on the email address
  • if someone obtains the password to your email account
  • if you talk about it to someone

DISCLAIMERS AND LIMITATIONS

CCCS OF CENTRAL OK intends that the information contained in its web site to be accurate and reliable; however, errors may occur. In addition, changes and improvements to the information provided herein may be made by us at any time.

By using this web site, you agree to our Privacy Notice and Security Policy and to the use of the information we receive and collect as stated herein and in ways we may notify you of in the future. By providing any personal information to this site, you acknowledge that you fully understand and consent to the collection and processing of such information. We reserve the right at our discretion to modify this Privacy Notice and Security Policy at any time. Your continued use of this site following the posting of changes to these terms means you accept these changes.

THIS WEB SITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED “AS IS”. CCCS OF CENTRAL OK AND/OR ITS SUPPLIERS, PARTICIPATING MEMBER AGENCIES AND THEIR COUNSELORS, DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS WEB SITE AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. USE OF THIS WEB SITE AND/OR NFCC’S SERVICES IS AT YOUR OWN RISK. CCCS OF CENTRAL OK AND/OR ITS SUPPLIERS, NCLSTM, ITS MEMBER AGENCIES AND THEIR PARTICIPATING COUNSELORS, OR REAL ESTATE PROFESSIONALS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEB SITE AND/OR CCCS OF CENTRAL OK’S AND ITS MEMBER AGENCIES AND THEIR PARTICIPATING COUNSELORS’ SERVICES OR WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF NCLSTM AND/OR ITS SUPPLIERS HAD BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

LINKS TO THIRD PARTIES

This web site may contain links to web sites maintained by third parties. Such links are provided for your convenience and reference only. CCCS OF CENTRAL OK does not operate or control in any respect any information, software, products or services available on such web sites. CCCS OF CENTRAL OK’s inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.

HOW TO CONTACT US 

If you have any questions about this Policy, contact us by email or telephone:

Privacy Officer
Consumer Credit Counseling Service of Central Oklahoma
3230 North Rockwell
Bethany, OK 73008
Telephone: (405) 789-2227
counselors@cccsok.org