CarePlus Financial Privacy Policy

Your privacy is important to us.  It is important that you completely understand how your personal information will be treated.

“Nonpublic personal information” as personally identifiable financial information including, but not limited to, name, address, phone number(s), email address, account information, etc. (a) provided by a consumer via our website; (b) resulting from any transaction with the consumer or any service performed for the consumer; or (c) otherwise obtained by us, except information obtained wholly through public sources.

We collect nonpublic personal information about you from the following sources:  applications or other forms that you complete and send to us, your purchases of products and services from this site, communications that we receive directly from you, such as telephone conversations, e-mails, faxes, letters, etc.

Your privacy is not for sale

We do not, at this time, share or sell our users’ information with nonaffiliated third parties.  This means that we do not sell email lists, address lists or any other information about our users.  Some non-affiliated third parties may have access to your information from time to time as laid out below.

Comments, forums and blogs

Any information you post as comments or entries in forums and blogs as may be available on our site will be available to the public and is not secure in any way.  We are not responsible for what other users may do with information you post.  Think carefully about what information you reveal about yourself in a comment or forum post.

How we use your information

Your personal information is kept strictly confidential.  It is used solely for the purpose of maintaining our relationship with you and for no other purpose.

Aggregate statistical information may be compiled from the personal information you and all other users provide to us from time to time.  This information is used to help improve our offerings and aid in the development of new products or services to assist you in achieving your financial goals.

When you visit our site we may collect technical and navigational information such as browser type, Internet Protocol (IP) address, pages visited and similar information.  This information is used for the purposes of improving our service and the overall experience of our users.  We may store IP addresses of registered and logged in users and link those addresses to the user as a security measure for certain activities.  This type of logging can then be used to investigate possible a possible security breach if needed.

“Cookies” are small txt files stored on your hard drive by your browser during an online session.  We may set and access cookies on your computer to track and store preferential information, or to otherwise customize the features of our site.  Most browsers will allow you to stop cookies from being stored on your computer as well as to delete any cookies that may already be stored on your computer.  If you choose to disable or delete cookies, some parts of our site may not function correctly for you.

CarePlus Financial makes use of technology designed to measure and analyze site usage and activity so that we improve the function and appeal of our site and our services.

We may use third party service providers to help us analyze certain online activities.  For example, these service providers may help us measure the performance of our online campaigns or analyze visitor activity on careplusfinancial.com.  These service providers may use cookies or other technologies to perform these activities for us.  These service providers do not collect any personal information about our users nor so we share any personal information about our users with these service providers.

We May Share Your Information with Certain Non-affiliated Third Parties

CarePlus Financial may share your nonpublic personal information with certain nonaffiliated third parties without permitting you to “opt-out.”  Those parties include companies that perform various services on our behalf, as well as auditors, examiners, or companies contracted to conduct auditing services for us.  Access to your personal information is limited to what is necessary to perform their functions.

Our agreements with these third parties would require the third parties to protect the confidentiality of your information.

Further, we may provide your information to government authorities when required or permitted to by law or regulation.  We may disclose information as necessary to comply with a subpoena or court order, or to protect our rights, or for any other reason permitted by law.  We may make all of the foregoing types of disclosures about former clients as well as current clients.

We May Share Your Information With Our Affiliates

We may disclose some of your information to our affiliates, which include companies controlled by CarePlus Financial, Inc and third parties who have referred you to us for services.  Information shared with affiliated third parties is strictly limited to the minimum information necessary for reporting and analyzing the performance of the affiliates programs and the compensation of the affiliates.

Our Privacy Policy May Change in the Future

Our Privacy Policy may change in the future at our discretion.  Notice of any change to this privacy policy will be posted on our website and will be effective as of the time of posting.

Security of our Privacy Procedures

We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you.  We have implemented physical, electronic, and procedural safeguards to maintain the confidentiality and integrity of the personal information in our possession and to guard against unauthorized access.  These include processes for controlling access to customer files, implementing security programs, and information technology security measures such as encryption and firewalls, and virus and use detection software.

Links to other sites

To provide you with a more complete resource for debt settlement services, CarePlus Financial site may contain links to certain other sites.  In some instances, we will share demographic information about our clients with sites that link to our site, but this information is shared on an aggregate basis only, so as not to reveal the identity of our clients.  We cannot be responsible for the privacy practices of any sites not owned or controlled by us; you should refer to each site’s privacy policy for details.