Privacy Policy

At we value your trust and respect your expectation of privacy. This statement sets forth our privacy policy and applies to the non-public personal information of individuals who obtain a service for personal (personal, family or household) purposes. We collect, retain, and use such information in order to administer our business, provide services, process payment transactions, and to properly identify, validate and protect personal information.

Non-Public Personal Information

“Non-public personal information” refers to personally identifiable information about you that is not publicly available.

“Personally identifiable information” is information that you provide in connection with obtaining counseling services or information. It does not include information that is available from public sources, such as telephone directories or government records.

Collection, Use and Retention of Non-Public Personal Information

We collect non-public personal information about you from the following sources:
?Information we receive from you by telephone, at our web site and on other forms (such as your name, address, telephone number and date of birth)
?Information about your transactions with (such as your account balance, and payment history)
?Information collected through the Internet web site “cookies,” and
?Information we receive from banks or financial agencies (such as credit card transactions) and other lawful sources.

Disclosure of Information

We may disclose all of the information, as described above, as permitted by law. Examples of what is permitted by law include: disclosing such information (a) to affiliated or nonaffiliated third parties if it is necessary or helpful in completing a transaction; (b) to report to consumer reporting agencies; (c) to comply with legal process such as subpoenas or court orders; (d) to respond to law enforcement agencies with respect to suspected criminal activity; and (e) if you give us your consent.

Information Security

We restrict access to the non-public personal information about you to our employees and agents who have a business reason to know such information (e.g., to process your transactions or provide services to you). We maintain physical, electronic, and procedural safeguards that comply with state and federal standards to guard your information.

Links to Other Web Sites

The web site may contain links to other web sites. As such, is not responsible for the privacy practices or the content of such web sites.

Changes to this Privacy Policy

We may amend this Privacy Policy from time to time by posting a notice of the change (or an amended Privacy Policy) on our web site at

Questions or Comments

If you would like more information regarding this Privacy Policy or questions related to the information we have on file about you, or contact us at: