Privacy Policy

Transparency Regarding the Use of Your Personal Data

As part of our commitment to protecting your privacy, this statement is designed to provide you with information regarding how Credit and Debt Management Institute (“we” or “CDMI”) may use — and process — the information you share when you use The Credit and Debt Management Institute website, and each of its associated domains (together, the “Sites”). Information is also collected when you communicate with us or utilize our services.

Your Personal Data We Use

Information you provide directly to Credit and Debt Management Institute
Credit and Debt Management Institute collects personal information about you called Personal Data. Your Personal Data is collected when you register or fill in a form on the Credit and Debt Management Institute services or contact Credit and Debt Management Institute. Depending upon the specific Credit and Debt Management Institute Services you use, the information you give us includes your specific data such as name, address and telephone number, e-mail address, payment information, as well as any information about you that is associated with or linked to, or could be linked to, any of the foregoing data.

We also collect more sensitive information about you, with your explicit consent, where the processing is necessary to meet a legal or regulatory obligation, the processing is in connection with CDMI establishing, exercising or defending legal claims, or is otherwise expressly permitted by law.

Log, Cookie and Device Data
We also collect log data, which is information collected whenever you visit a website. This log data includes your Internet Protocol address, browser type and some settings, the date and time of your request, how you used the Service, and cookie data. Depending on how you are accessing the Services, we may use “cookies” (small text files stored by your computer when you visit our website) or similar technologies. In addition to log and cookie data, we also collect information about the device you’re using to access the Services, including what type of device it is, what operating system you are using, device settings, unique device identifiers and crash data. Whether we collect some or all of this information often depends on what type of device you are using and its settings. For example, different types of information are available depending on whether you are using a Mac or a PC, or an iPhone or Android phone.

Information from Other Sources
We also obtain information about you from other sources and combine that information with information we collect from you directly. For example, we collect information about you when you pay a fee through our credit card vendor. The information we obtain from other sources includes your name, address and telephone number, e-mail address, payment information, as well as any information about you that is associated with or linked to, or could be linked to, any of the foregoing data.

Retaining and Deleting Your Personal Data

CDMI will only retain your Personal Data for the duration necessary for the data collection purposes identified above, unless there is a legal requirement to maintain it for a longer period.

Automated Decisions and Targeted Messaging

Automated decisions are defined as decisions about individuals that are based solely on the automated processing of data and that produce legal effects that significantly affect the individuals involved or that have similarly significant impact.

Credit and Debt Management Institute makes automated decisions or utilizes specific personal data for the purpose of identifying funding opportunities, offering specialized services, event invitations, or fundraising activities.

In certain instances, Credit and Debt Management Institute may be required to obtain your consent to make automated decisions. In these instances, we will inform you of the automated decision-making, and will request that you affirmatively indicate (opt in) that you consent to the intended use of your Personal Data for that purpose, prior to the automated decision-making. Where automated decisions are made, affected persons will be given instructions on how such persons can object to, or opt out of such processing.

You may choose not to visit or use CDMI Sites or participate in Credit and Debt Management Institute Services. If you choose not to share your Personal Data with CDMI or CDMI-approved third parties for Credit and Debt Management Institute you will not receive event updates or other notifications that may affect you in some way. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you choose to reject cookies, some parts of the Sites may not function properly.

Questions and Complaints:

If you have questions or concerns about our treatment of your Personal Data, or about our privacy practices more generally, please feel free to contact mailto:tech@cdmionline.com

Call Us For Free

718-481-3363

Credit & Debt Management Institute is a registered 501(c)(3) organization.