Privacy Notice

Privacy Notice (last updated 4/7/2025)

This Notice is provided by Consumer Credit Counseling Foundation, Inc. (CCCF), which operates CCCF’s website (www.cccfusa.org) and offers a range of financial counseling services, to explain how we handle your personal information.

WHY?

As a financial organization, CCCF is required to explain how we collect, share, and protect your personal information. Federal law allows consumers to limit some sharing of their personal data, but not all. Please read this Notice carefully to understand how CCCF uses and safeguards your personal information.

WHAT?

The types of personal information we collect and share depend on the services provided to you. This information may include, but is not limited to:

  • Social Security number
  • Employment information
  • Income and expense information
  • Asset and liability details, including mortgage information
  • Credit history
  • Credit card or other debt information

HOW?

Like all financial organizations, we need to share certain information to run our everyday business operations. Below are the reasons CCCF may share your information, the types of information we share, and whether you have the option to limit this sharing.

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION

Reasons We Can Share Your Personal Infomation Does CCCF Share? Can Limit Sharing?
For our everyday business purposes – to process transactions, Yes No maintain accounts, respond to legal requests. Yes No
For our marketing purposes – to offer our programs and services. Yes Yes
For joint marketing with other financial organizations No N/A
For our affiliates’ everyday business purposes – information about your creditworthiness No N/A
For our affiliates to market to you No N/A
For non-affiliates to market to you No N/A
For research and statistical analysis purposes – to improve our services and offerings Yes Yes

 

TO LIMIT OUR SHARING

To limit the sharing of your personal information, or if you have any questions or concerns about this Notice or how we handle your information, please contact us:

  • Call our toll-free number at 800-656-6207
  • Email us at privacy@cccf.org
  • Write to us at Consumer Credit Counseling Foundation, Inc. (CCCF), 2150 Portola Avenue,Ste D-186, Livermore, CA 94551

Who We Are

Consumer Credit Counseling Foundation, Inc. (CCCF) is a non-profit organization dedicated to providing credit counseling, debt management, and financial education services.

What We Do

We provide services that include credit counseling, debt management plans, budgeting advice, and more to help you take control of your financial future.

How CCCF Protects Your Personal Information

We collect your personal information in the following ways:

  • When you seek credit counseling, debt management, or other financial services
  • When you register for an account or provide information through our website
  • When you submit your income, expense, employment, and financial details
  • When you provide mortgage-related information or request assistance with loan modifications

We may also collect information from third parties such as credit bureaus, creditors, and other companies.

Why can't I limit all sharing?

Federal law allows you to limit the following types of sharing:

  • Sharing of creditworthiness information with affiliates
  • Affiliates using your information for marketing purposes
  • Sharing your information with non-affiliates for marketing purposes

The information you provide is essential for us to offer you our services. If you were allowed to limit all sharing, we would not be able to assist you fully with our services. State laws may grant additional rights to limit sharing.

What Happens If I Limit Sharing for an Account Held Jointly with Someone Else?

If you share an account with another person, your choices will apply to both individuals on the account.

Definitions

  • Affiliates: Companies related to CCCF through common ownership or control, such as our affiliated financial services or educational entities.
  • Non-affiliates: Companies not related to CCCF by ownership or control, including third-party service providers, credit bureaus, mortgage companies, and research organizations.
  • Joint Marketing: A collaboration between non-affiliated financial organizations to market financial products or services together. Our joint marketing partners may include nonprofit organizations or for-profit financial companies.

SMS Messaging Non-Sharing Disclosure

At Consumer Credit Counseling Foundation, Inc. (CCCF), your privacy is of utmost importance to us. We are committed to safeguarding your personal information and complying with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA).

When you provide your mobile number and give explicit consent to receive SMS communications, we will use your number solely for the purpose of sending service-related messages. These may include:

  • Appointment reminders
  • Account updates
  • Other communications directly related to your engagement with our programs and services

Rest assured, CCCF will never share, sell, or disclose your mobile number to third parties for marketing purposes. Your mobile phone number will only be used by CCCF for service-related messages, and we will not send any Personally Identifiable Information (PII) or account details via SMS.

You can opt-out of receiving SMS messages at any time by replying "STOP" to any message, or by contacting us directly.

Message frequency may vary, and standard message and data rates may apply, depending on your mobile carrier.

We take your privacy seriously and ensure that your personal information is handled with the highest standards of security and confidentiality.