Your Privacy Rights

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: Social Security number and Bank Account numbers and Loan Account numbers. Budget and Income information as well as Credit Report data. Credit Card balances and Credit Card account numbers.
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 Enroll in our programs or during a counseling session. Enroll in our classes or during an education session. Seek our advice on options to handle your debt situation. 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 sharing for affiliates’ everyday business purposes—information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you 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. Consumer Credit and Budget Counseling Warrior Support Services
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.