Consumer Credit Management Services is a nationally based 501(c)(3) non-profit organization whose purpose is to assist families and individuals who are going through financial crisis, and to slow the national trend toward personal bankruptcy.
Company Profile
Since 1991 CCMS has helped thousands of families and individuals restructure their personal debt and helped them honor their financial obligations. CCMS works with creditors to reduce your payments; stop late charges; reduce or eliminate interest; and help bring your accounts current.
CCMS provides debt counseling and budget planning, debt restructuring and community awareness through seminars, media and the distribution of educational materials. CCMS provides assistance to other community organizations, Chambers of Commerce, employee assistance programs as well as Corporations throughout America.
Privacy Policy and Terms and Conditions of Use
Welcome to the CONSUMER CREDIT MANAGEMENT SERVICES, INC.’s Web site. The following describes how we handle information we may learn about you from your visit to our Web site. The following also provides the rules that govern use of our site. Please read on.
These Terms And Conditions Govern Your Use Of Our Site
These Terms and Conditions of Use constitute the contractual agreement between you and CCMS regarding your use of our site and any activities or transactions you may conduct through our site. They also contain our Privacy Policy (our commitment to you concerning how we use information you provide to us). Your use of our site constitutes your agreement to follow and be bound by these Terms and Conditions of Use and by our Privacy Policy (collectively, our “Terms and Conditions”).
As used in these Terms and Conditions, the words “you” and “your” refer to any person accessing the CCMS Web site. The words “we,” “us,” and “our” refer to CCMS.
We reserve the right to modify, alter, or otherwise update these Terms and Conditions at any time. We will post any such change at this site, so you are encouraged to review these Terms and Conditions from time to time. Any changes will apply prospectively only. Your continued use of our site following the posting of changes to these Terms and Conditions will constitute your acceptance of any and all posted changes. We may of course change, move or delete portions of our site, or add to our site from time to time.
Scope
These Terms and Conditions apply only to information you provide to us online while visiting or using our Web site. They do not apply to information we have obtained offline, or through other traditional means.
Information Is Provided Solely for Informational Purposes
ALL MATERIALS ON OUR WEB SITE (“MATERIALS”) ARE PROVIDED SOLELY FOR INFORMATIONAL PURPOSES. THE MATERIALS ARE NOT INTENDED TO CONSTITUTE ADVICE OR THE PROVISION OF CREDIT COUNSELING SERVICES. YOUR VIEWING OR USE OF THE MATERIALS SHALL IN NO WAY CREATE A CLIENT RELATIONSHIP WITH CCMS OR ANY OF ITS PARTNERS OR ASSOCIATES. ALL CREDIT COUNSELING QUESTIONS SHOULD BE ANSWERED DIRECTLY BY A QUALIFIED CREDIT COUNSELOR.
We Keep Personal Information Private And We Limit Our Use Of Personal Information
Information you may provide in visiting our site falls into two broad categories: personally identifiable information, and aggregate information. “Personally Identifiable Information” is information that can be used to identify or contact you, such as your name, email address, or mailing address. “Aggregate Information” is information that does not identify you, and may include, for example, statistical information concerning the Web pages on our site that users most frequent. Our Privacy Policy governs both categories of information. The information we receive depends upon what you do when you visit our site, as detailed below.
We do not share with unrelated third parties any Personally Identifiable Information you provide to us. By “unrelated third parties” we mean anyone who is not directly involved in the maintenance or running of our site, or not involved in fulfilling requests you make at our site. We use Personally Identifiable Information you provide to us when you visit our site strictly for the purposes for which you have provided it. DUE TO THE NATURE OF THE INTERNET AND DEVELOPING TECHNOLOGIES, WE CANNOT, HOWEVER, PROVIDE ASSURANCES AS TO THE SECURITY OF YOUR INFORMATION, AND CCMS EXPRESSLY DISCLAIMS ANY SUCH OBLIGATIONS.
Exception To Our Privacy Policy
There is an exception to our Privacy Policy in that it may be necessary for CCMS to
release or use Personally Identifiable Information if we in good faith believe it is appropriate in connection with legal proceedings, or in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver, or other comparable legal process, including subpoenas from private parties in a civil action.
Correcting Information; Opting Out
If at any time you would like us to update or correct Personally Identifiable Information you have previously provided to us, feel free to contact us using the contact information provided below in the “How To Contact Us” section, and we will update or correct your Personally Identifiable Information to the extent your request does not compromise our privacy policies. In addition, if you request, we will use commercially reasonable efforts to remove your name and Personally Identifiable Information from any database(s) we may maintain. Please understand, however, that it may be impossible to remove this information completely, due to backups and records of deletions. If you with to remove your name from any database(s) we may maintain, please notify us in writing to this effect by using the contact information provided below in the “How To Contact Us” section.
Use Of “Cookies”
We may collect Aggregate Information about your use of our site through cookies and similar Internet technologies. “Cookies” are small pieces of information that a Web site transfers to your hard drive, where it is stored by your browser on your computer’s hard drive for record-keeping purposes (such as storing user preferences). If we use cookies, they do not collect or retain your name or other Personally Identifiable Information. If we use cookies, we will treat all information that may be collected through cookies and similar Internet technologies as Aggregate Information. In addition, no third parties are permitted to use cookies we may create at our site for their own purposes. Please be advised, however, that sites you link to from our site may use cookies. You should read and understand the privacy policy of the site(s) you link to in order to determine whether and how a particular site uses cookies. Most browsers are initially set up to accept cookies. You can reset your browser to refuse all cookies or indicate when a cookie is being sent. Please consult the help section of your Web browser software to learn how to do this.
If You Visit Our Site To Browse Or To Read Or Download Information
We may collect and store: the name of the domain name and host from which you access the Internet (for example, aol.com); the Internet Protocol (IP) address of the computer you are using; the browser software you use and your operating system; the date and time you access our site, and other activity on our site; and the Internet address of the Web site from which you linked to our site. If we collect this information, we use it for system administration, to measure the number of visitors to our site, to improve site performance, to help us make our site more useful and/or to gather broad Aggregate Information. We do not link an IP address to Personally Identifiable Information, meaning that a user’s session will be logged but the user remains anonymous to us. If we do decide to link any aggregate information, or your IP address to your Personally Identifiable Information, we will treat the resulting information as “Personally Identifiable Information” for all purposes under our Privacy Policy contained herein.
Ownership Of Site Contents; Downloading
Unless otherwise noted, all text, images, illustrations, designs, icons, photographs, video clips, and other materials that are part of our site (collectively, the “Contents”) are copyrighted works, trademarks, trade dress, or other intellectual properties owned, controlled, or licensed by CCMS or used under principles of “fair use.” The Contents of our site and the site as a whole are intended solely for your personal use. You may not copy the Contents and other materials displayed on our site any purpose whatsoever without our advance written consent.
Links To Other Web Sites
Our site contains links to other sites (“Third Party Sites”). We do not necessarily endorse, sanction, or verify any of these Third Party Sites or anything posted on these sites, and we provide these links merely for the convenience of our users. Once you access a Third Party Site through a link on our site, you are subject to the privacy policy and terms and conditions of use of the Third Party Site. We have no control and bear no responsibility for any action or policy associated with any Third Party Site. Concerns regarding a Third Party Site should be directed to the Third Party Site.
Policies For Children (Individuals Under 13 Years Of Age)
Our site is not a Web site directed to children under the age of 13. However, we hereby advise all visitors to our Web site under the age of 13 not to disclose or provide any Personally Identifiable Information on our site. In the event we discover that a child under the age of 13 has provided Personally Identifiable Information to us, in accordance with the Children’s Online Privacy Protection Act of 1998, we will delete the child’s Personally Identifiable Information from our files. For more information regarding a child under the age of 13 providing Personally Identifiable Information, see the Federal Trade Commission’s Web site explaining the Children’s Online Privacy Protection Act of 1998 at www.ftc.gov/bcp/conline/edcams/kidzprivacy/.
User Comments
All comments, feedback, postcards, suggestions, ideas, and other submissions disclosed, submitted, or offered to CCMS through our site or otherwise disclosed, submitted, or offered in connection with your use of our site (collectively, “Comments”) shall be and remain the property of CCMS. You agree that CCMS may use or disclose Comments in any manner consistent with our Privacy Policy. CCMS shall be free to use, without restriction and without compensation to you, any ideas, concepts, know-how, suggestions, or techniques contained in any Comments you send to us for any purpose whatsoever. CCMS has no obligation to respond to any Comments, and we reserve the right, but undertake no duty, to review, edit, move, or delete any material posted by users on our site, in our sole discretion and without notice.
Content Of User-Posted Information; Other Use Of Site
You are prohibited from posting or transmitting any advertising “spam,” unlawful, or other material we deem inappropriate for our site. CCMS disclaims all responsibility or liability arising from the content of any user postings. You agree to refrain from undertaking any activity that imposes an unreasonable or disproportionate burden on our site. CCMS reserves the sole and absolute discretion to deny, revoke, or otherwise restrict the access privileges of any user who at any time fails to comply with these Terms and Conditions.
Complaints Over Perceived Infringement
CCMS respects intellectual property rights, and will terminate registered users (if applicable) and deny access to others who, in our discretion, repeatedly infringe the intellectual property rights of others. In addition, we will use efforts that are commercially reasonable in light of our resources to accommodate generally accepted technical measures used by copyright owners to identify and protect their copyrighted works. If you believe that materials posted on our site infringe rights you enjoy under copyright law in specific materials (collectively, a “Work”), we request that you follow the procedure described below to notify us of your concerns or objections. In turn, we agree to respond to your notice, as outlined below, and remove or disable access to material that you believe infringes your Work.
Designated Agent
If you believe materials posted on our site infringe the copyright in your Work, please direct your concerns to our agent, designated under the Digital Millennium Copyright Act (17 U.S.C. §512) to respond to such concerns (our “Designated Agent”):
OFFICE MANAGER
CONSUMER CREDIT MANAGEMENT SERVICES, INC.
315 N.E. 2nd Avenue
Delray Beach, Florida 33444
Your notice to our Designated Agent should follow the notice provisions set out in the Digital Millennium Copyright Act (17 U.S.C. §512). Additional information can be obtained from the Web site of the Copyright Office located at www.loc.gov.
Disclaimer
While we use reasonable efforts to include accurate and up-to-date information on our site, we make no warranties or representations as to its accuracy. CCMS assumes no liability or responsibility for any errors or omissions in the content on our site.
OUR SITE AND ALL CONTENTS OF OUR SITE ARE PROVIDED ON AN “AS IS” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. YOU ACKNOWLEDGE BY YOUR USE OF OUR SITE THAT YOUR USE OF OUR SITE IS AT YOUR SOLE RISK, THAT YOU ASSUME FULL RESPONSIBILITY FOR ALL COSTS ASSOCIATED WITH ALL NECESSARY SERVICING OR REPAIRS OF ANY EQUIPMENT YOU USE IN CONNECTION WITH YOUR USE OF OUR SITE, AND THAT CCMS SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND RELATED TO YOUR USE OF OUR SITE.
Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Check your local laws for any restrictions or limitations regarding the exclusion of implied warranties.
Indemnification
You agree to defend, indemnify and hold CCMS harmless from and against any and all claims, damages, costs, and expenses, including attorney’s fees, arising from or related to your failure to comply with these Terms and Conditions.
Limitation of Liability
NEITHER CCMS NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING OUR SITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT, OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO OR USE OF OUR SITE.
Choice Of Law And Jurisdiction
Unless otherwise specified, our site and the Contents thereof are displayed solely for the purpose of promoting the services of CCMS. Our site is controlled and operated by CCMS from its location in Delray Beach, Florida. This Agreement shall be construed in accordance with the laws of the State of Florida, without regard to any conflict of law provisions. Any dispute arising under these Terms and Conditions shall be resolved exclusively by the state or federal courts sitting in Florida.
How To Contact Us
If you have any questions about our Terms and Conditions or your dealings with our Web site, you may contact us:
By calling 561-278-4097
By emailing [email protected]
Or by mail at: 315 N.E. 2nd Avenue, Delray Beach, Florida 33444.