What does APFSC do with your personal information?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number
- Name
- Address
- Credit account numbers
- Balances
- Bank accounts info
- Payment histories
How?
All financial companies need to share personal information to run their everyday business. In the section below, we list the reasons financial companies can share their personal information; the reasons APFSC chooses to share; and whether you can limit this sharing.
Reasons we share your personal information
| Reasons we can share your personal information | Does APFSC share? |
Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes — Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus |
Yes | No |
| For our marketing purposes — Such as to to offer our products and services to you |
Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes — Such as information about your transactions and experiences |
No | No |
| For our affiliates’ everyday business purposes — Such as information about your creditworthiness |
No | |
| For our affiliates to market to you | No | No |
| For non-affiliates to market to you | No |
What we do
How does APFSC protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We maintain physical, electronic and procedural safeguards to guard personal information. We restrict access to those who have a business need. We educate our employees on the importance of confidentiality. How does collect my personal information? We collect your personal information, for example, through your application or enrollment in a APFSC debt management plan. Why can’t I limit all sharing? Federal law gives you the right to limit only
- Sharing for affiliates’ everyday business purposes—information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.What happens when I limit sharing for an account I hold jointly with someone else?In that case, your choice will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Privacy Act For Credit Counseling
Section 111 of title 11, United States Code, authorizes the collection of the information requested in the Application and Appendices. The primary use of this information is by the United States Trustee to approve Agencies to provide services as nonprofit budget and credit counseling agencies. Disclosure of this information may be to an appropriate federal, state, local, regulatory, tribal, or foreign law enforcement agency when the information indicates a violation or potential violation of law, or to a complainant or victim when such information is necessary to provide an explanation concerning the results of an investigation of which they complained or were a victim. Other disclosures may be made pursuant to the routine uses enunciated in the United States Trustee Program’s system of records notice, UST-005, “Credit Counseling and Debtor Education Files and Associated Records.” See 71 Fed. Reg. 59,818, 59,727-59,830 (Oct. 11, 2006). Additional disclosure of the information may be to district and regional offices of each United States Trustee. The information will not be shared with any other agencies unless allowed by law.
Privacy Act Statement For Debtor Education
Section 111 of title 11, United States Code, authorizes the collection of the information requested in the Application and Appendices. The primary use of this information is by the United States Trustee to approve Providers of personal financial management instructional courses. Disclosure of this information may be to an appropriate federal, state, local, regulatory, tribal, or foreign law enforcement agency when the information indicates a violation or potential violation of law, or to a complainant or victim when such information is necessary to provide an explanation concerning the results of an investigation of which they complained or were a victim. Other disclosures may be made pursuant to the routine uses enunciated in the United States Trustee Program’s system of records notice, UST-005, “Credit Counseling and Debtor Education Files and Associated Records.” See 71 Fed. Reg. 59,818, 59,727-59,830 (Oct. 11, 2006). Additional disclosure of the information may be to district and regional offices of each United States Trustee. The information will not be shared with any other agencies unless allowed by law.
Mobile Terms and Conditions
Effective Date: 5/12/2022
APFSC Alerts
Receive accounts and promotional and customer service Messages from APFSC . Opt-in by Web (https://apfsc.org/optin-for-sms-messaging-from-apfsc/) or Text APFSC to 36974. Message frequency Varies. Message and data rates may apply.
By opting in to this service, you consent to receive mobile text alerts using an automatic telephone dialing system. Consent to receive marketing text messages is not required as a condition of purchasing any goods or services.
By signing up, you are confirming you are over the age of 13.
STOP Information
Text STOP to 36974 to stop receiving APFSC Alerts messages from APFSC (you will receive a confirmation text).
HELP Information
For additional information, text HELP to 36974 or contact 1-800-682-4007.
Supported carriers are:
AT&T, Sprint, T-Mobile®, Verizon Wireless, Boost, Cricket, MetroPCS, U.S. Cellular, Virgin Mobile, Google Voice, ACS Wireless, Advantage Cellular (DTC Wireless), Appalachian Wireless, Atlantic Tele-Network International (ATN), Bandwidth, Bluegrass Cellular, Buffalo Wireless, CableVision, Carolina West Wireless, Cellcom, Copper Valley, C-Spire Wireless (formerly Cellsouth), Cellular One of East Central Illinois, Chariton Valley Cellular, Cross (dba Sprocket), Duet IP, Element Mobile, EpicTouch, GCI Communications, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri Cellular), i Wireless (IOWA Wireless), Illinois Valley Cellular, Immix (Keystone Wireless / PC Management), Inland Cellular, Mobi PCS (Coral Wireless LLC), Mosaic, MTA Communications, MTPCS / Cellular One (Cellone Nation), Nex-Tech Wireless, Panhandle Telecommunications, Peoples Wireless, Pine Belt Wireless, Pine Cellular, Pioneer, Plateau, Revol Wireless, RINA, SI Wireless/Mobile Nation, SouthernLinc, SRT Wireless, Thumb Cellular, Union Wireless, United, Viaero Wireless, West Central Wireless, Leaco, Nemont/Sagebrush. T-Mobile is not liable for delayed or undelivered messages.
We take your privacy seriously. Please visit https://apfsc.org/private-policy/ to review our privacy policy.
To limit our sharing
To limit our sharing, or if you have questions, please:
- Call 800-682-4007 – (Monday through Friday 8am to 5pm Pacific Time)
- Vist out Contact Us page
