We respect and are committed to protecting your privacy. This Privacy Policy lets you know how your personal information is processed and used at Indy Credit Counselors, Inc. We take extraordinary steps to use your personal information only in ways that are compatible with this Privacy Policy.

Information Collection

Indy Credit Counselors, Inc. is the sole owner of the information collected from our website. We do not, or will not sell, share, or rent this information to others in ways different from what is disclosed in our privacy statement below.

Cookies

A cookie is a piece of data stored on the visitor's hard drive containing information about the visitor. Advertisers connected to Indy Credit Counselors, Inc. at times require cookies to tract statistics about products and locations, but at no time are these linked to any personal identification. At this time, Indy Credit Counselors, Inc. uses cookies only for login convenience.

Log Files

Indy Credit Counselors, Inc. keeps log files on broad fields to analyze trends, track user movements, and gather data for demographic locations. This is not attached in anyway to visitor's personal identification.

Sharing

Indy Credit Counselors, Inc. does not share any information with advertisers, merchants, or any other third party.

Your privacy and the security of your personal information are very important to us. We are dedicated to protecting the privacy of those who visit our Website. This Privacy Policy governs the Website and explains how your personal information is collected on our Website, how your information is protected, and the choices you have concerning the use of such information. Please read this Privacy Policy carefully.
We may amend this Privacy Policy from time to time. We will post any changes to this Privacy Policy here so that you will always know what information we gather, how that information may be used, and whether that information will be disclosed to anyone. Please refer back to this Privacy Policy on a regular basis. By using our Website or any of our products, offerings, features, tools or resources that we provide on our Website (collectively, our "Online Products"), you agree to the terms of this Privacy Policy.

WHAT INFORMATION ABOUT ME IS COLLECTED ON OUR WEBSITE?

We collect two types of information: personally identifiable information and non-personally identifiable information.

Personally Identifiable Information

Personally identifiable information is information that allows you to enroll and receive benefits in the Debt Management Programs (DMP) offered by ICC. through this Website. During the online enrollment process we collect a wide variety of personal and financial data.

Such Personally Identifiable Information may include:

• Debt Information (Credit Card / Loan Account Numbers & Balances)
• Personal Information (Social Security Number, Address, Phone, Email, Salary, Pay Period, Employer, Occupation)
• Demographic Information (Age, Birth Date, Gender)
• Budget Information (Assets, Monthly Expenses, Other Income)

This information is stored to use in enrolling Users in a DMP. Debt information is used to qualify the User for the program and to make payments on the User's behalf. Budget information is collected to provide the User an overview of where Users' money is spent and is required by the Creditors. The data for those Users who do not complete the online Enrollment process is kept for internal analysis only.

DOES OUR WEBSITE COLLECT INFORMATION FROM CHILDREN UNDER 13 YEARS OF AGE?

We are committed to protecting the privacy of children. Our Website is not designed for or directed to children under the age of 13. We do not collect Personally Identifiable Information from any person we actually know is under the age of 13. We urge all parents or guardians to participate in their children's exploration of the Internet, and to teach their children about protecting their personal information while online.

WHAT DOES OUR WEBSITE DO WITH THE INFORMATION IT COLLECTS?

In general, we use the information collected on our Website to help us understand who uses our Website and how it is used, to personalize your online experience, to complete your enrollment in a DMP, to assist you in using our Online Services, and to improve our Website.

If you become a registered User of our Website, we may use your information to send you a welcoming email that may confirm your User name and password. We may send you electronic newsletters, contact you about products, services, information and news that may be of interest to you, and provide you with targeted feedback.

Opt-out Policy

If you prefer that we do not send you email communications, you may opt-out of those services, that is, you may direct us not to use your email address as part of our marketing efforts for new products and services. If you wish to opt-out of email communications, you may do so by emailing management@indydebtfree.com, or by replying to an existing email with your request to be removed from the mailing list. In addition, if you identify yourself to us by sending us an email with questions or comments, we may use your information (including Personally Identifiable Information) to respond to your questions or comments, and we may file your questions or comments for future reference.

We may also use the information gathered on our Website to perform statistical analysis of User behavior, to analyze and evaluate issues relating to your DMP, enrollment behavior and credit education, or to evaluate and improve our Online Services. We may link some of this information to Personally Identifiable Information for internal purposes only or to assist you in your debt reduction efforts.

IS THE INFORMATION COLLECTED ON OUR WEBSITE SECURE?

We want your information (including Personally Identifiable Information) to remain as secure as possible. We strive to provide secure transmission of your information from your computer to our servers through industry-standard techniques. To help ensure the integrity and privacy of the Personally Identifiable Information you provide to us via the Internet, at the time you elect to enroll in our Debt Management Program, we use Secured Socket Layer (SSL) encryption technology in transmitting such Personally Identifiable Information over the Internet to our servers. We secure the Personally Identifiable Information you provide on servers located in controlled, secure environments, protected from unauthorized access, use, or alteration. Only employees who need access to your information to perform a specific task or function are granted access to such information. No personal data is ever stored on our web servers. Sensitive information is encrypted within our database, to ensure internal security. In addition, all of our employees must abide by this Privacy Policy and are kept up-to-date on security practices. Any employee who violates this Privacy Policy is subject to disciplinary action, up to and including termination.

Notwithstanding the above commitments to protect your information (including Personally Identifiable Information) from loss, misuse or alteration by third parties, you should be aware that there is always some risk involved in transmitting information over the Internet. There is also some risk that others could find a way to thwart our security systems. As a result, while we strive to protect your information, we cannot ensure or warrant the security and privacy of any information you transmit to us, and you do so at your own risk.

WHAT CHOICES DO I HAVE REGARDING THE COLLECTION, DISCLOSURE AND DISTRIBUTION OF PERSONALLY IDENTIFIABLE INFORMATION?

You may "opt out" of sharing your personally identifiable information with Indy Credit Counselors, Inc. as explained in the Privacy Notice provided to you on our Website during the online Enrollment process.

CAN I UPDATE OR CORRECT MY PERSONALLY IDENTIFIABLE INFORMATION?

You can always contact us in order to update, correct or delete your Personally Identifiable Information or change your preferences with respect to communications and other information you receive from us by calling Customer Services at 317-240-2878. Such updates, corrections and deletions will not have an effect on the data we are required to maintain by the Creditors and ICC in order to administer the DMP.

Current customers participating in the online DMP can view, update or change their personal, contact and occupational information by selecting the Member Login navigation link off the Website home page, or by contacting Customer Service at 317-240-2878. You may also change your debt or budget information by contacting Customer Service as well.

You should be aware that it is not technologically possible to remove each and every record of the information you have provided to us from our system. The need to back-up our systems to protect information from inadvertent loss means that a copy of your Personally Identifiable Information may exist in a non-erasable form that will be difficult or impossible for us to locate. We promise that promptly after receiving your request, all Personally Identifiable Information stored in marketing databases we actively use and other readily searchable media will be updated, corrected, changed or deleted, as appropriate, as soon as reasonably practicable.

LIMITATIONS

While our Privacy Policy would cover all prospective DMP clients, ICC’s brand of credit counseling services is only available for residents of the United States. Clients must utilize an US bank account, have a US residence, and user's debt must be payable in US currency.

HOW WILL I KNOW IF THERE ARE ANY CHANGES TO THIS PRIVACY POLICY?

If we decide to change this Privacy Policy, we will post those changes on our Website so you are always aware of what information we collect, how it is used, and under what circumstances, if any, it is disclosed. If at any point Personally Identifiable Information will be used in a manner significantly different from that stated in this Privacy Policy, or otherwise disclosed to you, at the time it was collected, we will prominently post any changes on our website for 30 days prior to any change. We may also make non-significant changes to our Privacy Policy that generally will not affect our use of your Personally Identifiable Information. If you do not agree to the terms of this Privacy Policy, you should refrain from using our Website.

WHO DO I CONTACT IF I HAVE ANY PRIVACY QUESTIONS?

If you have any questions about our Privacy Policy or feel that we are not abiding by the terms of our posted Privacy Policy, please contact our Privacy Coordinator by phone at 317-240-2878 ext. 103. © Copyright 2007 Indy Credit Counselors, Inc. 5337 West 38^th Street Indianapolis, IN. 46254 Phone: 317-240-2878