Forget-A- Debt (FAD) is dedicated to maintaining strict policies regarding the personal information processed on behalf of our clients. We would like to assure you that any information we collect from or about you is used for the sole purpose of carrying into excecution the financial program(s) we offer. The following information explains our information gathering and dissemination policies and practices. This policy applies to all clients, potential clients, or website visitors.

We will collect information from you, including but not limited to your name, address, social security number, income, expenses, assets , and debt schedule upon initial consultation with FAD. We receive this information from you on our Free Consultation Form and our Financial Services Contract We may also receive information about your credit history from third parties such as credit reporting agencies or other creditors. In addition, we collect and maintain information about your transactions with our partners as may be applicable. This information may include account balances, payment history, credit card usage, and other personal information. In this policy, we will refer to this information as "private information."

How We Use This Information

We will not disclose your private information, as described above, to any organization, affiliates or non-affiliates, unless this disclosure:

1. is necessary to effect, administer, or enforce a transaction, service, or inquiry you have initiated.
   
2. is necessary to perform marketing services on your behalf, so that you may better understand existing needs within the market and to determine how we can help you meet those needs;
   
3. is necessary to perform joint marketing services for services that might be offered jointly with another institution, that we would offer to you directly; and
   
4. is necessary to facilitate or consummate our business transactions with third parties which does not include the selling of information for the purpose of further solicitation.

In these limited cases where information is shared with other companies that perform services on your behalf or for joint marketing purposes, the information provided is limited to the information they need to perform their function. These companies are also required to maintain the security and confidentiality of the information provided and use it only to perform the specified service on our behalf.

Information Privacy

We take steps to safeguard customer information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your customer information against unauthorized access. We also take appropriate corrective action when needed to enforce employee compliance with our procedures with respect to the privacy of client information. We may also ask you for personal information in order to verify your identity when you request assistance from us. As previously mentioned, if we work with other companies who provide services on our behalf or in the case of jointly offered products, we require them to keep this information secure and confidential.

Privacy Online

Our system safeguards include the use of encryption to protect the confidentiality of data that you transmit to us over the Internet. When you visit one of our websites, we may collect and store information about your visit on an anonymous, aggregate basis. This information may include information such as the time and length of your visit, and the pages you looked at on our site. No confidential information is collected from you online, unless you have provided it to us. We use this information only to measure site activity and to develop ideas for improving our sites. We strongly urge you to use 128-bit encryption. Your level of encryption can be found for Internet Explorer by clicking www.microsoft.com or in Netscape Communicator or Navigator by clicking www.netscape.com. If you are using a browser other than Microsoft's Internet Explorer or Netscape's Communicator or Navigator please check directly with your browser's software publisher. Our free consultation form is 100% secure using SSL technology.

Although we take all possible precautions to safeguard your information, you may opt not to send confidential information via e-mail. The e-mails you send may not not secure. Customers always have the option of mailing, faxing, or calling us to provide any information they wish to keep confidential.

Cookies

Cookies are pieces of data assigned by our web server and stored on your computer's hard drive for later retrieval. This helps us recognize you the next time you visit our site. We will not use cookies to record information that will enable anyone to contact you via telephone, e-mail, or regular mail. We may also use clear gifs. Clear gifs are used to tag the pages you visit on our site to help us improve the design and content of our site. All of this information is considered confidential and is only available for our use.