Privacy Policy

We at American Financial Solutions want to be sure that we provide you with superior service and quality products.  We respect your right to privacy and we understand that our clients and visitors to www.myfinancialgoals.org need to control the use of their personal information.  This privacy policy describes the measures taken by us to protect your privacy in connection with your use of our services and our website.

WHAT PERSONALLY IDENTIFIABLE INFORMATION DO WE COLLECT?

Information Collection Partners.  In order to provide you with credit counseling services, we have engaged with Integrant, Inc., our third-party service provider (the "Information Collection Partner") to collect and process the information you provide when you click the "Click Here To Get Started" link at www.myfinancialgoals.org.  Our Information Collection Partner also values your right to privacy, and also has special measures in place to protect your privacy.

Collected Information.  We and our Information Collection Partner collect personally identifiable information about you directly from you and from other sources, including information we receive: (1) from you on applications or other forms linked to our website or by telephone; (2) from your creditors; and (3) from consumer reporting agencies.  Personally identifiable information may include your first and last name, mailing address, income and liabilities, credit score or credit history, open lines of credit, social security number, home phone, work phone, gender, e-mail address, length of time at current job, primary source of income, credit account numbers, and bank routing and account numbers. IP Address.  An Internet Protocol ("IP") address is a unique string of numbers that is assigned to your computer by your internet service provider.  Web servers automatically identify your computer by its IP address.  We may use your IP address to help diagnose problems with our server and to administer our website.  Your IP address also may be used to gather broad demographic information.

Cookies.  A "cookie" is a small data file that can be placed on your hard drive when you visit certain websites.  We use cookies to collect, store and sometimes track information for statistical purposes to improve the services we provide.  These cookies do not enable third parties to access any of your personally identifiable information.  Additionally, be aware that if you visit other websites, you may be required to accept other cookies.  Advertisers and partners may also use their own cookies.  We do not control the use of these cookies and expressly disclaim responsibility for information collected through them.

WITH WHOM DO WE SHARE YOUR PERSONALLY IDENTIFIABLE INFORMATION?

Sharing Information with Third Parties.  Unless you are a Vermont or Kentucky resident, or you tell us not to (called "opt out") as set forth below, we may share all of the information we collect, as described above, with third parties.We will share this information when we believe these third-party companies are able to extend services or products that might be of value to you. In addition, we may share your personal information to obtain grant funding from the Department of Housing and Urban Development (HUD), NeighborWorks, and the National Foundation for Credit Counseling (NFCC) and other grant givers. These other companies may be financial service providers or they may be non-financial companies.

Sharing Information with Partners and Service Providers.  We may disclose personally identifiable information to our partners, or to companies that perform services for us, including our Information Collection Partner, that are either bound to comply with our privacy policy or have privacy policies that protect your information.

Necessary and Permitted Disclosure.  We may also disclose to non-affiliated third-parties information you provide if we are required or permitted to do so by law or if we have a good faith belief that disclosure is necessary to (1) comply with the law or with legal process served on us; (2) protect and defend our rights or property; or (3) act in an emergency to protect someone’s safety.

Sale of Assets.  As we develop our business, we may buy or sell assets, and, depending upon the transaction, your personally identifiable information may be one of the transferred assets.  In the event that we are acquired by another company, your personal information may be part of the assets transferred to the acquiring company.

WHAT ARE YOUR OPTIONS TO CONTROL THE USE OF YOUR PERSONALLY IDENTIFIABLE INFORMATION?

Opt Out Option.  If you prefer that we not share your personally identifiable information with third parties, you may direct us not to share such information by sending an email to: compliance@myfinancialgoals.org or calling us toll free at (888)282-5494. An opt out by one consumer will be treated as an opt out for all joint consumers for the same product, account, or service you have with us.  Note: Even if you direct us not to share information with third parties, we may share your personally identifiable information as needed (in order to provide you with our services), with entities that perform services for us, that are either bound to comply with our privacy policy or have privacy policies that protect your information. 

Special Notice for Vermont and Kentucky Residents.  In order to comply with Vermont and Kentucky law, we will automatically treat all personally identifiable information of customers with Vermont or Kentucky mailing addresses as though you have directed us not to share any personally identifiable information about you with third parties (aside from entities that perform services for us, that are either bound to comply with our privacy policy or have privacy policies that protect your information), unless you have opted in to such sharing.  If you are interested in having us share your information with third parties, you may affirmatively opt in to such information sharing by sending an email to compliance@myfinancialgoals.org or calling us toll free at (888)282-5494

HOW CAN YOU UPDATE YOUR PROFILE?

You can help us maintain the accuracy of your profile by notifying us when you change your phone number and e-mail and mailing addresses.  If at any time you wish to update your information, please visit www.myfinancialgoals.org or call (888)282-5494 to update your profile.  To stop receiving communication from us other than your account monthly statement, please send an email to: questions@myfinancialgoals.org and update your profile.  Please include your current contact information so that we can make appropriate updates.

WHAT ABOUT KIDS’ PERSONALLY IDENTIFIABLE INFORMATION?

Our website is not directed to children under the age of 13.  We respect the privacy of parents and children and are committed to complying with the Children’s Online Privacy Protection Act.  If a parent believes that his or her child has provided us with personal information, he or she can contact us via e-mail or postal mail as listed below.  We will promptly delete the information upon learning that it relates to a child under the age of 13.

WHAT ELSE SHOULD YOU KNOW ABOUT YOUR PRIVACY?

Security.  We and our Information Collection Partner have physical, electronic and procedural security measures in place to protect the loss, misuse and alteration of the information under our control.  These security measures include restricting access to your personally identifiable information to our employees who need to know that information to provide you with products or services, as well as a firewall to prevent unauthorized access to our systems and maintenance of web servers in a separate network isolated from the main network.  Although we will exercise reasonable care in providing secure transmission of information between your computer and our servers, we cannot ensure or warrant the security of any information transmitted to us over the internet, and we accept no liability for any unintentional disclosure.  We and our Information Collection Partners will protect the transmission of sensitive information, such as credit card information, through industry standard, secure socket layer encryption.

Links to other websites.  Our website may contain hyperlinks and pointers to internet sites maintained by third parties.  These links are provided for your reference only. We do not control, operate or endorse in any respect information, products or services on such third party websites and are not responsible for their content.  Many third party websites have their own privacy policies that differ from ours.  This privacy policy only covers our website and does not cover any other website.  While we make every effort to keep your information secure, we do not control the policies of other websites. 

E-mail communications.  If you register with us, unless you have (1) opted out or (2) are a resident of Vermont or Kentucky and have not affirmatively opted in, from time to time, we may send you e-mail messages informing you of our products and services and also third party products and services we believe may be of interest to you, such as new features and services, special offers and updated information.  Our e-mails may contain web beacons, or code that enables our database to track your usage of the newsletters, including whether the e-mail was opened and/or what links (if any) were clicked.  We will combine such information with other information we have about you and may use this information to improve your experience with our website and/or provide customized e-mail communications to you.  If you wish to opt out of email communications from us, you may do so sending an email to: compliance@myfinancialgoals.org or calling us toll free at (888)282-5494

CHANGES TO THIS PRIVACY POLICY.

We reserve the right to change our privacy policy.  When we do so, we will post the revised privacy policy on our website with a link on our home page.  Our home page will also contain a statement notifying readers that the policy has changed and the effective date of that change.

CONTACTING AMERICAN FINANCIAL SOLUTIONS

We would like to receive your comments and questions about this Privacy Policy and any other matter you have regarding our website.  Please address comments or questions to us via e-mail or postal mail.

You can complete our e-mail form at:  www.myfinancialgoals.org

You may also contact us by mail at:

American Financial Solutions
2815 2nd Ave, Ste 280
Seattle, WA 98121

ACCEPTANCE OF PRIVACY POLICY.

Your use of our website, including any dispute concerning privacy, is subject to this Privacy Policy.  BY USING OUR WEBSITE, YOU ARE ACCEPTING THE PRACTICES SET OUT IN THIS PRIVACY POLICY.  We reserve the right to modify this Privacy Policy at any time by posting the changes on this page. Please check the effective date at the bottom of this page to determine if the policy has been modified since you last reviewed it.  Your continued use of any portion of our website following posting of the updated Privacy Policy will constitute your acceptance of the changes.

EFFECTIVE DATE.  September 5, 2013