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EXODUS AMERICA , 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.
In this Privacy Policy the terms “EXODUS
AMERICA
”, “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
EXODUS AMERICA , 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.
EXODUS AMERICA , 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
EXODUS AMERICA
.
2. Who Collects Information We Use
The information we use is primarily
collected by
EXODUS AMERICA
. 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
EXODUS AMERICA
, then
the privacy policy of that company will
control how they use your information.
This policy controls the use of
information by
EXODUS AMERICA
. 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
EXODUS AMERICA
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
EXODUS AMERICA
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
EXODUS AMERICA
.
Our Use of “Cookies”
Like many web sites, the
EXODUS AMERICA
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.
EXODUS AMERICA
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
EXODUS AMERICA
, 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
EXODUS AMERICA
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
EXODUS AMERICA
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
EXODUS AMERICA
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
EXODUS AMERICA
Web
site at
www.exodusdebtsolutions.org at any
time for the most current version of our
Privacy Policy.
Pages on the
EXODUS AMERICA
Web site may
include links to third party Web sites.
These sites are governed by their own
privacy statements, and
EXODUS AMERICA
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
EXODUS AMERICA
)
-
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
EXODUS AMERICA
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,
EXODUS AMERICA
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
EXODUS AMERICA
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
EXODUS AMERICA
, 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
EXODUS AMERICA
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.
EXODUS AMERICA
does not
tolerate spam. Commercial electronic
mail messages sent by
EXODUS AMERICA
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@exodusamerica.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
EXODUS AMERICA
’ 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@exodusamerica.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
EXODUS AMERICA
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.exodusamerica.org should
be treated as unauthorized and
suspicious, and it should be reported to
EXODUS AMERICA
immediately.
7. Accessing and Changing Your
Information
If a customer terminates an
EXODUS AMERICA
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
EXODUS AMERICA
information
practices, you can contact us using this
email address –
info@exodusamerica.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:
EXODUS AMERICA , Inc.
1128 Royal Palm Beach Blvd. Suite #233
Royal Palm Beach, FL33411 |
