Last Updated: September 2026

Consumer Credit Counseling LLC (“Consumer Credit Counseling,” “we,” “our,” or “us”) provides debt relief and related financial services and believes that trust, transparency, and customer care are central to our business.

We take our responsibility to protect your personal information seriously. This includes a commitment to transparency and fairness in the collection, use, disclosure, and protection of your personal information.

This Privacy Policy explains how Consumer Credit Counseling LLC may collect, use, disclose, and protect your personal information when you interact with us through our website, by telephone, email, text message, online forms, online chat, social media, or other communications and services (collectively, the “Services”). It also explains certain privacy rights that may be available to you under applicable law.

Nonpublic personal information (“NPI”) that we may obtain from or about you in connection with a financial product or service may be subject to additional privacy requirements, including applicable requirements under the Gramm-Leach-Bliley Act (“GLBA”).

By providing personal information to us, you acknowledge that your information may be used as described in this Privacy Policy, subject to applicable law. Your use of our website and/or Services, and any privacy-related matters, are also subject to our applicable Terms of Use.

Important Communications Notice

Communications with Consumer Credit Counseling LLC and its representatives may be monitored and recorded, including by third-party service providers.

Phone calls and text (SMS) messages may involve automated dialing systems, artificial intelligence (“AI”) voice or chat technologies, prerecorded messages, answering-machine detection, ringless voicemail technology, and similar communication technologies.

Message and data rates may apply. You may opt out of certain communications at any time by following the applicable unsubscribe or opt-out instructions or by contacting us at support@consumercreditcounselingllc.com.

Further information regarding how personal information may be collected and used is provided below.

Updates to This Privacy Policy

This Privacy Policy does not create a contractual obligation on our part, and we may amend or update this Privacy Policy from time to time at our discretion.

If we make material changes, we may revise the “Last Updated” date at the top of this Privacy Policy and, where appropriate, provide additional notice.

We encourage you to review this Privacy Policy periodically to remain informed about our privacy practices.

Collection of Personal Information

We may collect or obtain personal information through our website and Services, directly or indirectly, or from third parties.

Personal information may be provided through email, telephone calls, text messages, web forms, online chat, online portals, surveys, social media pages, events, or other communications and correspondence.

Depending on how you interact with us, we may collect the following categories of information:

Contact Information

This may include your full name, email address, mailing address, telephone number, and other contact information you provide to us.

Login Credentials

If applicable, we may collect passwords and other information necessary to authenticate your identity and provide access to an account or online service.

Communications, Testimonials, Feedback, and User-Provided Information

We may collect information contained in communications you send to us, including questions, comments, feedback, reviews, survey responses, testimonials, and information submitted through email, web chat, online forms, or other communication channels.

Telephone Recordings

Telephone calls and communications with us or our representatives may be recorded or transcribed. This may include transcripts generated by third-party AI or voice technologies.

Social Media Information

If you interact with us through social media platforms, we may receive information and messages you provide through those platforms, including information associated with your social media profile.

Referral Information

We may receive information about you from other sources, including referrals, partners, marketing providers, or other parties that refer you to our Services.

Interaction and Technical Information

When you access or use our website or Services, we may automatically collect certain information, including:

• IP address
• Referral URLs
• Date and time of access
• Device type
• Operating system
• Browser type and settings
• Language preferences
• Cookie information
• Approximate geographic location
• Session information
• Usage and analytics information
• Pages and content viewed
• Features used
• Interactions with our website
• Web form information, including information entered but not submitted
• Crash and diagnostic information

Employment and Job Applicant Information

If you apply for employment with us, we may collect information related to your application, including resume information, references, education, professional qualifications, employment history, citizenship or residency information, and other information reasonably necessary to evaluate your application.

Where permitted by applicable law, employment-related information may also be obtained from recruiters, staffing agencies, background verification services, consumer reporting agencies, or other referring parties.

Information From Other Sources

We may obtain information from other sources, including business partners, lead-generation providers, data providers, marketing companies, advertising companies, publicly available sources, financial service providers, consumer reporting agencies, and other third parties.

Uses of Personal Information

We may use personal information collected about you for purposes including:

• Providing and displaying our website and its contents.
• Processing transactions, billing, and payments.
• Performing our contractual obligations.
• Providing debt relief and related Services.
• Managing, operating, and administering our business.
• Communicating with you by email, telephone, text message, or other methods.
• Providing customer support.
• Sending appointment reminders and confirming or scheduling interactions.
• Verifying eligibility or qualification for our Services, offers, and promotions.
• Obtaining or reviewing credit information where permitted and applicable.
• Conducting business analysis and improving our Services.
• Monitoring and analyzing website usage, trends, and interactions.
• Conducting surveys, research, and demographic analysis.
• Providing and measuring advertising on our website and third-party websites or services.
• Marketing our Services and communicating information about products, services, offers, promotions, rewards, and events.
• Evaluating employment applications.
• Detecting, preventing, and investigating fraud, abuse, security threats, and illegal activities.
• Complying with applicable laws, regulations, legal processes, and government requests.
• Protecting our rights, property, customers, employees, and other parties.
• Participating in corporate transactions involving our business.
• Providing security alerts, service notifications, and updates to our website or policies.
• Carrying out any other purpose disclosed to you or with your direction or consent.

Cookies and Third-Party Tools

Our website may use cookies and other technologies and third-party tools (“TPTs”), including pixels, web beacons, session replay technologies, digital fingerprinting technologies, analytics tools, and similar technologies.

These technologies may collect information about your activity on our website and may allow us or third parties to understand how visitors use our website.

We may use these technologies to:

• Improve website functionality and user experience.
• Remember preferences.
• Analyze website traffic and usage.
• Understand interactions with our Services.
• Measure advertising performance.
• Support marketing and advertising activities.
• Detect security issues and fraudulent activity.

Information collected through these technologies may, where permitted by law, be used in other contexts or on other websites for analytics, advertising, and related purposes.

Most commonly used web browsers allow you to manage, disable, or block cookies through browser settings. Certain jurisdictions may also provide additional choices regarding cookies and other tracking technologies.

Cookie preferences may apply only to the browser or device on which they are selected and may need to be reset if you clear your browser’s cookies or cache.

Do Not Track Signals

Some web browsers offer a “Do Not Track” (“DNT”) feature that allows users to communicate a preference regarding online tracking.

Our website may not respond to every type of DNT signal or browser tracking preference. We will continue to monitor applicable legal and technical developments concerning browser-based privacy signals.

Disclosure of Personal Information

We may disclose personal information to certain categories of recipients when reasonably necessary for the purposes described in this Privacy Policy.

Service Providers and Vendors

We may disclose personal information to vendors and service providers that assist us in operating our business and providing our Services.

These providers may include:

• Website hosting providers
• Technology companies
• IT providers
• Software providers
• Artificial intelligence and automation providers
• Customer service providers
• Marketing and consulting providers
• Analytics providers
• Advertising providers
• Accounting and bookkeeping professionals
• Legal professionals
• Payment processors
• Data storage providers
• Communication providers
• Security and fraud prevention providers

Service providers may process information on our behalf or, in certain circumstances, may independently determine how information is processed as permitted by applicable law.

Advertising and Analytics Providers

We may disclose information to advertising providers, analytics companies, advertising networks, and social media platforms to help deliver, measure, personalize, and improve advertising and marketing activities.

Business Partners

We may disclose information to business partners where reasonably necessary to provide or promote our Services, facilitate programs or promotions, or perform other legitimate business activities.

Security, Compliance, and Fraud Prevention

We may disclose personal information when reasonably necessary to comply with applicable laws, regulations, legal processes, court orders, subpoenas, or government requests.

We may also disclose information to investigate, prevent, or address fraud, security threats, illegal activities, or violations of our policies, and to protect our rights, property, customers, employees, or other individuals.

Corporate Transactions

Personal information may be disclosed as part of a corporate transaction, including a merger, acquisition, financing, investment, restructuring, reorganization, sale or transfer of assets, bankruptcy, liquidation, or similar transaction.

International Transfers of Personal Information

Your personal information may be transferred to or processed in countries other than the country in which it was originally collected.

Those countries may have privacy or data protection laws that differ from those in your jurisdiction.

Where required by applicable law, we will use appropriate safeguards or other legally recognized mechanisms for international transfers of personal information.

California Privacy Notice

This section applies to California residents to the extent required by applicable California privacy laws, including the California Consumer Privacy Act (“CCPA”), as amended.

Certain nonpublic personal information that we obtain in connection with financial products or services may be subject to separate privacy requirements, including the GLBA.

Categories of Personal Information

Depending on your interactions with us, we may collect categories of personal information that may include:

Identifiers

Such as your name, email address, telephone number, postal address, IP address, online identifier, account information, or other similar identifiers.

Personal Information Under California Law

This may include information such as a name, signature, address, telephone number, government-issued identification information, financial information, employment information, or other information covered by applicable California law.

Characteristics of Protected Classifications

Where applicable and permitted by law, information such as age, gender, veteran status, or other legally protected characteristics may be collected in connection with employment or other legitimate business purposes.

Commercial Information

This may include information regarding products or services purchased, obtained, or considered.

Internet or Electronic Network Activity

This may include browsing history, search history, interactions with websites, advertisements, applications, and other electronic network activity.

Sensory Information

This may include audio recordings or other sensory information where communications are recorded or otherwise processed.

Professional or Employment-Related Information

This may include employment history, professional qualifications, job application information, and similar employment-related information.

Education Information

Where applicable, we may collect education-related information provided in connection with employment or other legitimate business purposes.

Inferences

We may create inferences from information we collect to better understand preferences, interests, interactions, and usage patterns.

Sensitive Personal Information

Depending on your interactions with us and applicable law, we may collect certain sensitive personal information when reasonably necessary for legitimate business purposes or when otherwise permitted by law.

This may include information such as government identification information or other sensitive information required to provide our Services, verify eligibility, process transactions, prevent fraud, or comply with legal requirements.

We do not collect sensitive personal information unless there is a legitimate reason and applicable legal basis for doing so.

Retention of Personal Information

We retain personal information for as long as reasonably necessary to fulfill the purposes for which it was collected.

Retention periods may depend on factors including:

• The nature and purpose of the information.
• The duration of our relationship with you.
• Legal and regulatory requirements.
• Accounting and recordkeeping requirements.
• Fraud prevention and security requirements.
• Dispute resolution.
• Enforcement of agreements and legal rights.

Personal information may remain in archival or backup systems for longer periods where necessary, provided that such information is not actively accessed except when required for legitimate business, legal, security, or operational purposes.

Personal Information of Minors

Our Services are not intended for minors.

We do not knowingly collect personal information from individuals under the age required by applicable law without appropriate authorization.

If we become aware that we have collected personal information from a minor in circumstances where collection was not permitted, we will take reasonable steps to delete the information.

California Privacy Rights

Subject to applicable law, California residents may have certain rights regarding their personal information, including:

• Right to Know: The right to request information about the categories and specific pieces of personal information we collect, use, disclose, or otherwise process.
• Right to Delete: The right to request deletion of personal information, subject to applicable exceptions.
• Right to Correct: The right to request correction of inaccurate personal information.
• Right to Opt Out of Sale or Sharing: The right to opt out of certain sales or sharing of personal information where applicable.
• Right to Limit Certain Uses of Sensitive Personal Information: The right to limit certain uses or disclosures of sensitive personal information where applicable.
• Right to Portability: The right to receive certain personal information in a portable format.
• Right to Opt Out of Certain Profiling or Automated Decision-Making: Where applicable under California law, the right to opt out of certain forms of profiling or automated decision-making.
• Right to Non-Discrimination: The right not to receive unlawful discriminatory treatment for exercising applicable privacy rights.

These rights may be subject to legal exceptions and limitations.

Exercising California Privacy Rights

California residents may submit privacy requests by contacting us at:

support@consumercreditcounselingllc.com

We may take reasonable steps to verify your identity before processing certain privacy requests.

If you submit a request through an authorized agent, we may require appropriate verification of the agent’s authority and identity.

We will respond to qualifying privacy requests within the time periods required by applicable law. Where additional time is permitted and reasonably necessary, we may notify you of an extension.

Do Not Sell or Share My Personal Information

Consumer Credit Counseling LLC does not sell personal information for monetary consideration in the ordinary sense of the term.

However, certain disclosures of information to advertising, analytics, or similar providers may constitute “sharing” or other regulated processing under applicable privacy laws.

Where required by applicable law, you may opt out of certain sharing or targeted advertising by contacting:

support@consumercreditcounselingllc.com

Opt-Out Preference Signals

Where required by applicable law, our website may recognize and respond to certain legally recognized universal opt-out mechanisms, such as Global Privacy Control (“GPC”).

Because browser and device configurations can vary, we encourage users to verify that their privacy preferences are being recognized correctly.

If you believe your privacy preference has not been properly processed, contact us at:

support@consumercreditcounselingllc.com

California “Shine the Light” Law

California residents may have rights under California’s “Shine the Light” law concerning certain disclosures of personal information to third parties for their own direct marketing purposes.

To submit an inquiry concerning these rights, contact:

support@consumercreditcounselingllc.com

U.S. State Consumer Privacy Rights

Residents of certain U.S. states may have additional privacy rights under applicable state privacy laws.

Depending on the applicable law and circumstances, these rights may include:

• Accessing personal information.
• Requesting deletion of personal information.
• Requesting correction of inaccurate information.
• Obtaining personal information in a portable format.
• Opting out of certain sales of personal information.
• Opting out of targeted advertising.
• Opting out of certain profiling activities.
• Exercising rights concerning sensitive personal information.
• Exercising rights concerning certain automated decision-making.
• Exercising rights without unlawful discrimination.

The availability and scope of these rights may vary by state and may be subject to applicable exceptions and limitations.

Exercising U.S. State Privacy Rights

If you believe you have privacy rights under applicable state law, you may contact us at:

support@consumercreditcounselingllc.com

We may request information reasonably necessary to verify your identity and process your request.

SMS Privacy Policy

If you provide consent to receive text messages from Consumer Credit Counseling LLC, we may send SMS communications to your mobile telephone number in accordance with applicable law and our applicable SMS terms.

SMS communications may include service notifications, appointment reminders, customer support messages, and other communications related to our Services.

SMS communications may be processed, monitored, or recorded by us and our service providers and may involve automated technologies, including AI-based systems.

We do not sell your mobile telephone number or SMS opt-in information for third-party marketing purposes.

SMS opt-in data, consent records, and related SMS information will not be sold or shared with third parties for their own independent marketing purposes. Such information may be disclosed to service providers when reasonably necessary to operate, maintain, or support our SMS program.

We may disclose information when required by law or when reasonably necessary to protect our rights, property, customers, employees, or other individuals.

You may opt out of SMS communications by following the instructions provided in the applicable text message, including replying STOP where supported.

Communications Recording

Communications with Consumer Credit Counseling LLC may be recorded, monitored, transcribed, or otherwise processed by us and our service providers.

This may include communications made through:

• Telephone calls
• Website chat
• Email
• Text messages
• Online forms
• Other electronic or written communications

By communicating with us, you acknowledge that communications may be monitored or recorded where permitted by applicable law.

Customer Testimonials

We may display customer testimonials, reviews, or endorsements on our website and other marketing channels.

Where required, we will obtain appropriate consent before publishing personally identifiable information in connection with a testimonial.

If you would like to request an update or removal of a testimonial associated with you, contact:

support@consumercreditcounselingllc.com

Third-Party Websites, Blogs, and Social Media

Our website may contain links to third-party websites, social media platforms, blogs, videos, applications, or other services.

Third-party websites and services may have privacy practices that differ from ours.

When you leave our website or interact with a third-party service, the privacy policy and terms of that third party may apply to the collection and processing of your information.

We encourage you to review the privacy policies of any third-party websites or services that you use.

Use by Minors

Our Services are not intended for minors, and we do not knowingly collect personal information from minors in violation of applicable law.

If we learn that we have collected personal information from a minor in circumstances where collection was not permitted, we will take reasonable steps to delete such information.

Security of Personal Information

We use reasonable technical, administrative, and organizational measures designed to protect personal information against unauthorized access, use, disclosure, alteration, or destruction.

However, no method of transmitting or storing information can be guaranteed to be completely secure.

Accordingly, while we work to protect personal information, we cannot guarantee absolute security.

Communications Preferences

You may opt out of promotional email communications by following the unsubscribe instructions contained in promotional emails or by contacting us at:

support@consumercreditcounselingllc.com

Opting out of promotional communications does not necessarily prevent us from sending non-promotional communications that are necessary to provide Services, respond to requests, process transactions, maintain an account, comply with legal obligations, or communicate important service-related information.

Privacy Inquiries

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact:

Consumer Credit Counseling LLC

Email: support@consumercreditcounselingllc.com

We will make reasonable efforts to respond to privacy inquiries and requests in accordance with applicable law.