A Better Way Credit Counseling, Inc. recognizes that joining a debt management plan requires you to share sensitive, personal information with us. We provide our Privacy Policy to help you understand how we protect your financial and information privacy.

We are committed to ensuring the privacy of individuals and / or families who have contacted us for assistance. We ensure you that all information shared both orally and in writing will be managed within legal and ethical considerations.

Your "personal financial information," such as your total debt information, income, living expenses and personal information concerning your financial circumstances, will be provided to creditors, and possibly others, with your specific authorization.

In order to provide our services to you, A Better Way Credit Counseling, Inc. engages outside vendors to assist us in meeting your needs. For example, The Ballenger Groupª helps administer the debt management plans for our agency through providing certain processing, call center, technology solution, and other back-office services. As a result, we provide certain non-public personal information to The Ballenger Group™ under confidentiality agreements as required by law.

A Better Way Credit Counseling, Inc. or The Ballenger Group™ may also use aggregated case file information for the purpose of evaluating the services, gathering valuable research information, and designing future programs. Your anonymity will be maintained through the use of your client number or by using aggregate data in all circumstances. In all other situations, your information maybe release to appropriate individuals or agencies only upon your written request, or when our staff or our other vendors have been served by a valid subpoena.

The following privacy practices detail circumstances under which we or The Ballenger Group™ may release your information to a third party:

1. We may disclose some or all of the information that we collect to creditors, or third parties that you have authorized , who need this information in order for us to assist you after a counseling session. We may also disclose all of the information that we collect to creditors and related financial institutions that need this information in order to put you on a debt management program (DMP).

2. To such parties, we may disclose the following kinds of non-public personal information about you:
• Information we receive from you on applications or other form, such as your name, address, social security number, assets, and income;
• Information about your transactions with us, your creditors, or others, such as your account balance, payment history, parties to transactions and credit card usage; and
• Information we receive from a credit-reporting agency, such as your credit history.

3. We collect non-public personal information about you from the following sources:
• Information we received from you on our applications or other forms you provide;
• Information about your transactions with us, your creditors, or others; and
• Information we receive from a credit-reporting agency.

4. We may compile data and aggregate information that you give to us, but this information may not be disclosed in a manner that would personally identify you in any way.

5. We restrict access to non-public personal information about you to those employees who need to know that information to provide service to you. We maintain physical, electronic, and procedural safeguards to guard your non-public personal information.

6. Outside of the third parties discussed in this statement, we do not disclose, nor do we wish the right to disclose, any non-public personal information about our current or former customers to anyone, except as permitted by law.

If you have any with questions about this Privacy Policy or our practices, please contact:
A Better Way Credit Counseling, Inc. 321 Ballenger Center Drive Frederick, MD 21703

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