Momentive™ Consumer Credit Counseling Service® knows that your personal privacy and the security of your personal data are crucial to a successful online experience. With the added sensitivity of handling personal financial data, we understand your concerns. That is why we feel that it is necessary that you are made aware of the type of information we may collect on our web site, and what we do with the personal information.

Sharing Policy

First, you should know that Momentive™ will never, under any circumstances, sell or share any personal information about you to or with any person or organization except as authorized by you, to our authorized agents, your current creditors, or as may be required by law or court order.

Information We Collect

There are a number of areas within the Momentive™ site that collect personal information for a number of reasons. Here is a breakdown ...

• Debt Information (Credit Card/Loan Account Numbers & Balances)
• Personal Information (Social Security Number, Address, Phone, Email,
• Salary, Employer, Occupation)
• Demographic Information (Birth Date)
• Budget Information (Assets, Monthly Expenses, Other Income)
• This information is stored to use in enrolling users in a debt management program. Data for users who fail to complete the online enrollment process is persisted for internal analysis and auditing (aggregate analysis only).

For current customers, our online customer service registration verifies users by collecting:

• User ID
• Password
• E-mail Address
• E-mail and password data is stored to verify users. Aggregate login activity within the Customers area is persisted for internal analysis and auditing.

There may be other areas of the site that give users the ability to sign up for free debt management materials by submitting their email address. This is done on a voluntary basis. If the user changes their mind and wishes to be removed from this list, they can do so at any time by contacting geninfo@momentive.org.

Additionally, our servers capture specific user information such as IP Address, browser specifications, referring URL, etc. This information is used on an aggregate basis to analyze overall web site traffic.

Security

Data security is a primary concern of Momentive™, and we have taken a number of steps to ensure that your personal data is secure. First, all the areas of our site that collect sensitive information utilize Secure Sockets Layer (SSL) encryption to protect your data. This system ensures that your data is going to our servers, and ONLY our servers, by encrypting all network traffic between our machines. (This system also verifies that we are who we say we are through the use of digital certificates.) You can read more about SSL at Verisign. Second, all data is stored on separate database servers behind our corporate firewall. Third, sensitive information is also encrypted within our database, to ensure internal security as well.

Cookies

Cookies are small files written by browsers to store information on a user's computer. Our site utilizes cookies to make many services available for our users. We only use these cookies to store information about a user's current session. This type of cookie, known as a "session cookie" is not written to your hard disk and is deleted from memory once your browser session is complete.

Public Forums

This site may make chat rooms, forums, message boards, and/or news groups available to its users. Please remember that any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information.

Links

This site may contain links to other sites, Momentive™ Consumer Credit Counseling Service® is not responsible for the privacy practices or the content of such Web sites.

Change Policy

Any changes to our privacy policy shall be posted to our web site at least five (5) days in advance of implementation, and it is the responsibility of the user to check the current privacy policy of the Consumer Credit Counseling Service of Central Indiana, Inc. web site.

Opting Out

Should a user decide to opt out of the Momentive™ web site privacy policy, please send a message to Consumer Credit Counseling Service of Central Indiana, Inc., 615 N. Alabama St., Suite 134, Indianapolis, IN 46204 indicating the user's desire to opt out of the Momentive™ web site authorization and all user personal information should be deleted from the Momentive™ system.

Questions

If you have any questions about our privacy policy or about submiting an enrollment form online, please contact us at geninfo@momentive.org.

The above privacy statement discloses the privacy practices for Momentive™ Consumer Credit Counseling Service®.