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Privacy Policy






At Take Charge America we are committed to the highest professional standards and levels of integrity. In our relationship with our clients, former clients, and applicants for our financial services we take stringent precautions to protect the privacy of information which you furnish to us.


We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard the confidentiality, integrity and privacy of your nonpublic personal information. Our counselors have always been and will continue to be bound by high professional standards of confidentiality. We pledge to you that we will never sell or rent personal information to anyone. EXCEPT AS MAY BE NECESSARY TO ASSIST YOU OR AS MAY BE COMPELLED BY LEGAL REQUIREMENTS, WE WILL NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION ABOUT APPLICANTS, CLIENTS OR FORMER CLIENTS TO OTHERS.


Our clients and applicants typically provide us with personal financial information, such as details about income, expenses and debts, so that we can propose a payment plan to their creditors and/or lenders. With your authorization, we may also receive additional information from creditors, lenders, credit bureaus and consumer reporting agencies, including information on your accounts and amounts owed.


When you enter into an agreement with Take Charge America, sharing some or all of this information with your creditors and/or lenders (e.g. banks, credit unions, finance companies, etc.) is a necessary and effective part of the credit counseling, debt management, and housing counseling process. Your creditors and/or lenders are bound, as we are, to comply with legal requirements concerning the confidentiality of your nonpublic personal information.


Nonpublic personal information about you may also become available to others in the normal course of our efforts to serve you. This might include independent contractors, such as technical systems consultants who program our software, and companies involved in various segments of financial service business, such as the transfer of funds.



Your privacy, our professional ethics and the ability to provide you with consistent excellence in financial services are critically important to us. If you have any questions, please call.

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