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Overview CHRISTIAN
DEBT FREEDOM, INC. believes that customer
privacy is a serious matter. We strive to keep
our customers informed about the ways we use
their personal information and the steps we take
to protect it. We can better serve you if you
understand our Privacy Policy. Please take a
moment to read further; this Privacy Policy and
Notice to Consumers describes how we handle your
personal information.
- This notice describes the privacy
practices of CHRISTIAN DEBT
FREEDOM, Inc.
In this Privacy Policy the terms “CHRISTIAN
DEBT FREEDOM”, “EDS”,“we,” “our,” and “us”
refer to Exodus DebtSolutions,Inc.The Privacy
Policy begins with a Summary, which is followed
by a more thorough description of the details of
our policy and the contents of our notice to
consumers. It is organized in the following
sections:
- Summary
- Who Collects Information We Use
- Types of Information We Collect
- How We Use Your Information
- How and When Information is Shared or
Disclosed
- Information Security
- Accessing and Changing Your Information
- Contacting Us
CHRISTIAN DEBT FREEDOM, INC.
has adopted this Privacy Policy and Notice to
Consumers with respect to information gathered
by us on our web pages and in the course of our
ordinary business operations. This Privacy
Policy and Notice to Consumers applies to all
visitors to our website and any other web pages
which we may host. It applies to any information
given to us by consumers who communicate with us
about our services. It also applies to any
information given to us by customerswho use our
services. This web site and our services are
intended for use by persons residing in the
United States.
1. Summary
The information we collect falls into three
main categories. The first type is
non-personally identifiable information. It is
primarily concerned with how your web browser
interacts with our web pages, and it is
typically gathered when you browse a web site on
the Internet. We collect this non-personal type
of information for the primary purpose of
improving the access and functionality of our
web sites.
The second type of information we gather is
personal contact information, such as your name,
address or email address. We gather and use this
information to contact people who make inquiries
about the types ofservices we provide and to
open customer files and accounts for those who
obtain or use any of theservices we offer. The
final category is nonpublic personal information.
This is confidential customer information that
we collect and use to provide services to our
customers. It is kept in a secure database.
All of the information we collect is given to
us with the consent of the person who provides
the information.
We use your personal information to provide
you with service, and to communicate with you
regarding the activities in your file. In
addition, we use your personal information to
keep you up to date on service announcements,
customer updates about our services, special
offers, and other information we think you would
like to hear about. From time to time, we may
also use your personal information to contact
you about participating in opinion surveys.
These help us measure customer satisfaction and
improve our service further.
CHRISTIAN DEBT FREEDOM, INC.
may send unsolicited email in compliance with
CAN SPAM ACT of 2003.
If you inquire about the types of services we
provide, one of our employees or representatives
will contact you. Thereafter, we may
occasionally contact you about a service that we
think might interest you. We may also share or
sell your contact information with companies
that have services we think might interest you.
You may contact us to opt out of such contact.
We will honor any such request we receive from
you, and we require the companies that work with
us to maintain policies and notices that are
similar to this one. We do not disclose specific
financial information, such as account numbers
or balances, to anyone for marketing purposes.
Specific financial information is only used to
provide products or services you request from us.
If you have questions or concerns regarding
this Privacy Policy and Notice to Consumer, you
should first contact CHRISTIAN
DEBT FREEDOM.
2. Who Collects Information We Use
The information we use is primarily collected
by CHRISTIAN DEBT FREEDOM.
Most often, we begin to collect personal contact
information when you make an inquiry on the
internet about the kind of services we offer.
This inquiry is sometimes made directly to us,
and sometimes it is made to companies that have
agreements with us. If you made your original
inquiry about the kinds of services we offer to
a web page hosted by someone other than
CHRISTIAN DEBT FREEDOM, then
the privacy policy of that company will control
how they use your information. This policy
controls the use of information by
CHRISTIAN DEBT FREEDOM. We urge you to
review the privacy policy of any web site that
you give personal information.
3. Types of Information We Collect
All information is collected by consent. If
you choose to browse our web sites, you do not
have to accept cookies in order to view the
publicly accessible portions of our websites.
Because of the way that World Wide Web (internet)
communication standards work, when you arrive at
or leave an CHRISTIAN DEBT FREEDOM
web site, we automatically receive the Web
address of the site that you came from or are
going to. We also collect information on which
pages of our Web site you visit while you are on
an CHRISTIAN DEBT FREEDOM web
site, the type of browser you use and the times
you access our Web site. We use this information
only to try to understand our customers’
preferences better and to manage the load on our
servers, so as to improve our service and your
experience with CHRISTIAN DEBT
FREEDOM.
Our Use of “Cookies”
Like many web sites, the
CHRISTIAN DEBT FREEDOM web site uses
“cookie” technology. Use of cookies is optional
for visitors browsing our website; however, you
may lose access to some of its features if your
browser is not set to accept cookies. When you
first connect to our site, a cookie identifies
your browser with a unique, random number.
Cookies help us understand which parts of our
web sites are the most popular and help us make
it user friendly. We use cookies to study
traffic patterns on our site so we can improve
your browsing.
In some of our email to you, we use a
“click-through URL.” When you click one of these
URLs, your browser passes through our web server
before arriving at the web site that is your
destination. We track the click-through to help
us determine your interest in particular topics
and measure the effectiveness of our customer
communications.
We may use third-party advertising companies
to serve ads on our behalf. These companies may
employ cookies and action tags (also known as
single pixel gifs or web beacons) to measure
advertising effectiveness. Any information that
these third parties collect via cookies and
action tags is completely anonymous.
Required Information
When you request information about the
services we offer, you will be asked to provide
your personal contact information—usually this
means name, address, phone number, and e-mail
address. You may also be asked for some specific
personal information that relates to the service
you want to know more about. This information is
used to contact you and respond to your request.
In some cases when we do not believe that we can
assist you, we may share your information with
companies that may be better able to assist you.
CHRISTIAN DEBT FREEDOM web
pages containing forms that you can use to
request information about our services will also
contain a link to this Privacy Page and Notice
to Consumers.
In response to your request for information
we may contact you by phone, email or written
document to discuss your request, to learn more
about your interest in our services, and to give
you more information. We may receive Personally
Identifiable Information from you during this
process. Again, any personal information we
collect, except for contact information, is
considered confidential and will be used solely
for the purpose of providing the services you
request from us.
If it is relevant to the services you request
from us, you may be asked to provide personal
health information that is protected by the Fair
Credit Reporting Act (FCRA) or the Health
Information Portability and Accountability Act (HIPAA).
For example, you may have a financial hardship
that is due to a verifiable medical condition.
This information may assist us to explain why
you cannot pay the full balance of your consumer
debt. We do not disclose health information
unless you become a customer. Health information
is only disclosed if we believe it is necessary
to provide the products or services you have
requested from us.
If you choose to become a client of
CHRISTIAN DEBT FREEDOM, then
you will be asked to give us any information we
believe is necessary or useful to complete the
work or transaction you ask us to perform. We
may receive information from you by telephone or
facsimile, by exchange of written documents, and
through the use of web based programs that
provide you with secure access to a customer
account log in. We may also receive information
from third parties who have information related
to the products or services we are providing to
you.
Customer Service Correspondence
If you send us correspondence, including
e-mails and faxes, we may retain such
information in your customer file. Information
you give us over the telephone may be noted for
your file. We may also keep copies of any
correspondence sent from CHRISTIAN
DEBT FREEDOM to you. We retain these records
in order to provide the products and services
you have requested and to measure and improve
our customer service. We may, over time, delete
these records as permitted by law. Phone calls
to CHRISTIAN DEBT FREEDOM may
be recorded or monitored for customer
satisfaction programs.
Questionnaires, Surveys and Profile
Data
From time to time we offer optional
questionnaires and surveys to our customers for
such purposes as learning more about customer’s
interests and needs and collecting demographic
information. The use of the information
collected will be explained in detail in the
survey itself. If we collect personally
identifiable information from you in these
questionnaires and surveys, you will be given
notice of how the information will be used prior
to your participation in the survey or
questionnaire.
Notification of Changes
This policy may be revised over time to
reflect changes in CHRISTIAN DEBT
FREEDOM services, and as we incorporate
suggestions from our customers. If we wish to
use or disclose your personally identifiable
information in a manner that is materially
different from what was stated in our policy at
the time we collected the information, then you
will have a choice as to whether or not we use
or disclose your information in this new manner.
We will post the amended Privacy Policy on
our Web site so that you can always review what
information we gather, how we might use that
information, and whether we will disclose it to
anyone. Please check the CHRISTIAN
DEBT FREEDOM Web site at
www.exodusdebtsolutions.org at any time for
the most current version of our Privacy Policy.
Pages on the CHRISTIAN DEBT
FREEDOM Web site may include links to third
party Web sites. These sites are governed by
their own privacy statements, and
CHRISTIAN DEBT FREEDOM is not responsible
for their operations, including but not limited
to their information practices. Users submitting
information to or through these third party Web
sites should review the privacy statement of
these sites before providing them with
personally identifiable information.
Children (under the age of 18) are not
eligible to use our services, and we do not
knowingly contact them or respond to requests
for information from them.
4. How We Use Your Information
We collect, store and process your personal
information on servers located in the United
States. We use the information we collect about
you in order to:
- learn more about your interest in the
services we offer and provide you with
information about them
- provide opportunities for our affiliates
and other companies to inform you about the
products or services they offer that may
interest you
- enroll customers who desire our services
- open customer files and establish their
accounts
- make authorized deductions to customer
bank accounts to pay for services
- provide customer service
- negotiate settlement of our customers’
debts (according to the terms and conditions
of their written agreements with
CHRISTIAN DEBT FREEDOM)
- learn how to improve our products or
services
5. How and When Your Information is Shared
or Disclosed
Disclosure for Fulfillment Purposes
If you become an CHRISTIAN DEBT
FREEDOM client, we will share or disclose
limited portions of your personally identifiable
information with third parties as part of our
overall efforts to fulfill our obligations to
you. We do not disclose confidential customer
information except as we believe necessary to
fulfill our commitments and provide the services
you request from us. Most of these disclosures
involve communications during the negotiating
process. They may also include venders, such as
mail services or data processing services. Our
agreements with venders prohibit the use or
disclosure of your information for any purpose
outside of their written agreements with us.
Disclosure to Third Parties For Other
Purposes
Other than for Fulfillment Purposes,
CHRISTIAN DEBT FREEDOM will
not share any of your personally identifiable
information with third parties except in the
limited circumstances described below, or with
your express permission.
We share information with companies that help
us process your transactions and provide you
with theservices you requested from us.
- We may disclose the information we collect,
as described in Section 3, to companies that
perform marketing services on our behalf and
for our affiliates. The information we
disclose for marketing purposes is limited to
contact information (such as name, address, or
email address), information that assists us to
offer products or services that are of
interest to you, and non-personally
identifiable information.
- We may share or sell limited portions of
the information we collect to third parties
that have products or services that may be of
interest to you. We do not share or sell
confidential customer information (such as
your bank account or credit card information)
with anyone for marketing purposes. Our
agreements with third party companies do not
permit them to use the information for
secondary purposes beyond the purposes for
which the information is shared unless they
first obtain your permission.
- We disclose information in response to the
orders of government agencies that show they
have proper jurisdiction of matters requiring
disclosure.
- We share aggregated statistical data with
our business partners or for public relations.
For example, we may disclose that a specific
percentage of our users are between the ages
of 25 and 35.
- Like any other business, it is possible
that CHRISTIAN DEBT FREEDOM
in the future could merge with or be acquired
by another company. If such an acquisition
occurs, the successor company would have
access to the information maintained by
CHRISTIAN DEBT FREEDOM,
including customer account information, but
would continue to be bound by this Privacy
Policy unless and until it is amended as
described in Section 3, above.
- We share your information with parent,
subsidiary or joint marketing companies to
help coordinate the services we provide to you,
enforce our terms and conditions, and promote
trust and safety.
These third parties are prohibited by law or
by contract from using the information for
secondary purposes beyond the purposes for which
the information is shared.
Our Contacts with CHRISTIAN
DEBT FREEDOM Customers
We communicate with our customers on a
regular basis via e-mail, telephone, facsimile
and U. S. Mail to provide requested services,
resolve customer complaints, and to investigate
suspicious transactions. We use your e-mail
address to confirm your enrollment and provide
you with various types of correspondence, to
confirm various activities involved in
settlement, to send information about important
changes to our products or services, and to send
notices and other disclosures required by law.
Generally, users cannot opt out of these
communications, because they are part of the
products or services we provide. However, these
communications will be primarily informational
in nature rather than promotional.
CHRISTIAN DEBT FREEDOM does
not tolerate spam. Commercial electronic mail
messages sent by CHRISTIAN DEBT
FREEDOM have opt-out features and otherwise
comply with the CAN-SPAM Act of 2003. We send
CEMM only to people who have expressed an
interest in our services.
Making Your Privacy Choices
Our customers have options to control whether
or not we use their information to offer them
additional products or services by sending an
email to
info@exodusdebtsolutions.org and letting us
know if they wish to change how we handle their
information. Customers and consumers who have
made inquiries about services we offer may also
contact us at our website or by U.S. Mail and
tell us that they no longer seek information
from us about ourservices, and they may instruct
us not to contact them with additional offers by
telephone, email or mail. You may exercise any
of the following options and tell us:
Please do not share health information you
obtained from me or from others with any party
(note: this may reduce CHRISTIAN
DEBT FREEDOM’ ability to settle your debts,
or it may cause them to be settled on less
favorable terms)
- Please do not share information you
obtained from me or from others with your
affiliates who wish to offer products or
services to me
- Please do not share information you
obtained from me or from others with third
parties who wish to offer products or services
to me
- Please do not send me offers of products
or services by U.S. Mail
- Please do not send me offers of products
or services by email
- Please do not send me offers of products
or services by telephone
Please email
info@exodusdebtsolutions.org to submit your
privacy choices or call 800-509-4770 between
hours of 9 AM and 5 PM Eastern Standard Time,
Monday through Friday .
Please allow four to six weeks for your
request to take effect. (Note to Joint Account
holders: Your choices will apply to the joint
account.)
You do not need to contact us unless you want
to make a choice listed in this “Making Your
Privacy Choices” section. If you are already a
customer, you do not need to contact us unless
you want to change a choice you have previously
given us. We will follow your directions for all
your consumer accounts covered by our Privacy
Policy.
Internet Address Information
We use IP addresses, browser types and access
times to analyze trends, administer the site,
improve site performance and gather broad
demographic information for aggregate use.
Your Use of Information and Our
Services
- Consumers have access to us via the
Internet, telephone, email, facsimile and U.S.
Mail for the purpose of learning about
ourservices and, if they choose, to purchase
thoseservices. Our services may only be
obtained pursuant to written agreements that
provide the terms and conditions for them.
- We are not a law firm, accounting firm,
financial advisor, or tax preparer.
- We do not assist customers to improve
their credit. You may not rely upon the
information you obtain from us for any of
these purposes.
- You must seek the appropriate licensed
professional to get legal, accounting,
financial, or tax preparation advice.
6. Information Security
CHRISTIAN DEBT FREEDOM
safeguards the security of the data you send us
with physical, electronic, and managerial
procedures. We provide access to your personally
identifiable information to those employees who
need to know that information in order to
provide the products or services you request
from us. We test our security systems regularly.
We urge you to take every precaution to
protect your personal data when you are on the
Internet. Change your passwords often, use a
combination of letters and numbers, and make
sure you use a secure browser.
The private use of the telephone and U.S.
Mail is protected by federal law. The use of web
based programs is protected by technology such
as Secured Socket Layer (SSL) programming that
encrypts the information being transferred. When
sending email you should remember that ordinary
email does not have the same legal protection as
U.S. Mail and telephone lines. You should
exercise some discretion in what you send; it is
sometimes possible for strangers to intercept
and read your email messages.
Any e-mail or other communication requesting
asking you to provide sensitive account
information via email or by linking to a website
with a URL that does not begin with
www.christiandebtfreedom.org should be
treated as unauthorized and suspicious, and it
should be reported to CHRISTIAN
DEBT FREEDOM immediately.
7. Accessing and Changing Your Information
If a customer terminates an
CHRISTIAN DEBT FREEDOM agreement, we will
mark the account in our database as “Closed,”
but we will continue to store portions of the
account information in our database. Your
personally identifiable information will not be
used by us for any further purposes, nor sold or
shared with third parties, except as necessary
to prevent fraud and assist law enforcement, or
as required by law.
8. Contacting Us
If you have any questions about this privacy
statement or CHRISTIAN DEBT
FREEDOM information practices, you can
contact us using this email address –
info@exodusdebtsolutions.org or you can call
800-509-4770 Monday through Friday between the
hours of 9:00 am and 5:00 pm Eastern Standard
Time or write us at:
CHRISTIAN DEBT FREEDOM, Inc.
1128 Royal Palm Beach Blvd. Suite #233
Royal Palm Beach, FL33411 |
