Privacy Policy

Consumer Capital Advocates Online Privacy Policy



Our Commitment to Privacy

www.consumercapitaladvocates.net and its owner, Consumer Capital Advocates, respect the privacy of its users. We do not trade, sell, or give away your personally identifiable information to third parties other than as set forth specifically on the website. We are committed to maintaining the confidentiality, integrity, and security of personal information about our users. In order to demonstrate our commitment to your privacy, we have prepared this statement disclosing the privacy practices for the www.consumercapitaladvocates.net website.


Agreement to this Privacy Policy: By using this web site, you consent to this Online Privacy Policy, including your consent to our use and disclosure of information about you in the manner described herein.

What Personal Information is collected



We collect and maintain the information you provide to us, such as:

  • Any information you provide to us on applications or forms when you request a product or service, such as your income and accounts with others. This information may include your name, your address, your telephone number and, in some cases, your Social Security number. Depending upon the product or service you request, you may also be asked to provide additional information, such as the amount of your current unsecured debt and the identity of your creditors, information about your mortgage and other financial and personal information.
  • Information we receive about your transactions with us, such as your account balance, payment history and credit card usage.
  • Information, such as your e-mail address, that you provide to us when you register to receive communications from us or when you communicate with us through our customer service facility, or otherwise correspond with us.

We also collect other, non-personal information, which is broadly defined as any information that is not and cannot be directly associated with you. An example of this type of non-personal information would be your zip code.


How your Personal Information is used

Our goal is to provide you with a personalized online experience that delivers the information, resources, and debt relief plan details that are most relevant and helpful to you. In order to achieve this goal, we sometimes collect information during your visits so that you may be contacted. Please also review our Terms of Use for additional information about the terms and conditions for you use of this website.


Using your Personal Information to contact you

We or a representative of Consumer Capital Advocates may call you and/or send you email to communicate with you, to verify your identity in order to allow access to your services, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of your Personal Information. We may also contact you for marketing or promotional purposes with company news, or news of our services or offers. You may unsubscribe to marketing email by following the instructions that are included in the e-mails that you receive.


By submitting your request you are consenting to being contacted by us or by our business partners, through any means, based on the information you provide to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state Do Not Call List or the Do Not Call List of any specific institution. If, after you are contacted by that product or service provider, you do not wish to be contacted by that person again you must make a specific request to the product or service provider.


Additionally, we may share your personal and other information within our family of companies for a number of purposes, for example, to process your requests and to keep you informed of services that may be of interest to you. Any person with whom we share your personal information is also required to comply with federal and state privacy regulations and will have its own privacy policies.


We do not share or disclose your Personal Information to third other parties, unless one of the following limited exceptions applies:


Service Providers

We may disclose your Personal Information to other companies that help us correspond with you or who may assist us in providing debt relief services to you.


Legal Obligations

We may disclose or report your Personal Information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes.


Business Transition

If we are involved in a merger, acquisition, or sale of all or a portion of our assets, you will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information.


How anonymous information is collected and used

We collect certain types of non-personal information and technical data from each visitor to our website(s). For example, when you click on a banner advertisement or text link that is associated with one of our websites, the banner or text placement, along with the time of your visit, your Internet Protocol address and other path-related information, is sent to us. Similarly, the page requests you make when you visit our website(s) are stored and used by us. We use this information, none of which is or can be personally associated with you, for statistical and analytic purposes, to help us understand which page views are most appealing to our customers and to help us improve the likelihood that we will be able to offer you only products or services in which you have a genuine interest.


We use “cookies” to track your interaction with our website, so we can learn how to improve our website. These cookies give us only anonymous data to analyze. You can disable these cookies if you want by following your browser’s directions for disabling cookies.

CALIFORNIA DO NOT TRACK DISCLOSURES

How do we respond to Web browser “do not track” signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services?

We currently do not respond to DNT signals in browsers because we do not track individual users across the web.

May other parties collect personally identifiable information about an individual consumer’s online activities over time and across different websites when they visit www.consumercapitaladvocates.net?

No.




Notice to California Residents

In response to a California law, we will automatically treat individuals with California addresses or telephone numbers (when disclosed to us) as if you requested us to not share your information with nonaffiliated third parties except as permitted by the applicable California law. We will also limit the sharing of information about you with our affiliates to comply with California privacy laws that apply to us.
Notice to Vermont Residents

In response to Vermont regulations, we automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with nonaffiliated third parties, and that we limit the information we share with our affiliates. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you.

Notice to Nevada Residents

We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by requesting that we cease calling you by contacting us directly and making such request in writing [enter e-mail address]. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; e-mail: BCPINFO@ag.state.nv.us.

Notice to Users Outside of the United States

This Online Privacy Policy is intended to cover collection of information on our Sites from residents of the United States. If you are visiting our Sites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third-parties with whom we share it as described in this Notice.


Safeguarding Information Collected

The security of your personal information is a very high priority for us and we take a number of steps to safeguard it. Some of the measures we take are:

  • Limiting access to personal information to those employees who are critical to the delivery of products and services to you.
  • Implementing appropriate physical, electronic and procedural safeguards to guard against unauthorized access or use.
  • Requiring appropriate consents and protections from our business partners before we share any personally identifiable information.



Consumer Capital Advocates uses commercially reasonable physical and technical security measures to protect all personal information in our possession. Sensitive information such as Social Security numbers are encrypted using secure sockets layer encryption from the time of your submission and while it is stored by us. We cannot, however, guarantee or warrant the absolute security of any system or that any information we hold will not be accessed, disclosed, altered or destroyed.

Children Under 18

Our website is not intended to be used by children under 18 years old. You represent and warrant that you are at least 18 years of age. If you are under age 18, you may not use the website or services. We do not knowingly collect personal information from, or target our website or services to children under the age 18. We understand that there may be exceptions to this rule including, but not limited to children who are emancipated. If we discover that the website is being used inappropriately, we will take steps, if possible, to disable access so that the individual may no longer access our website.

Links to Other Websites

Our website may contain links to other websites. Please note that when you click on one of these links you are “clicking” to another website. www.consumercapitaladvocates.net is not responsible for the information privacy practices or the content of such websites. We encourage you to read the privacy policies of these linked websites as their information privacy practices may differ from ours.

Changes to this Privacy Policy

We reserve the right to modify this privacy policy at any time. We will not jeopardize your privacy. The provisions contained in this privacy statement supersede all previous notices or policies regarding our privacy practices with respect to this site. Any and all changes will be made here, to this privacy statement.

We encourage you to check our site frequently to see the current privacy policy to be informed of how we are committed to protecting your information and providing you with improved content on our website in order to enhance your online experience. Upon any material changes to the policy statement, we will post those changes to this privacy policy so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

How To Contact Us

Should you have other questions or concerns about these privacy policies, please call us at [enter telephone] or send us an email at [enter e-mail].

PLEASE PRINT AND RETAIN A COPY OF THIS PRIVACY POLICY FOR YOUR RECORDS.