Call Now!

or

fill out our form for a Free Consultation

All consumer information is kept strictly confidential. ConsolidationNow.com takes your privacy seriously. By clicking the submit button, you agree to the  Privacy Policy, to be matched with up to 3 partners from our network, and consent (not required as a condition to purchase a good/service) for us and/or them to contact you via telephone, mobile device (including SMS and MMS), and/or email, even if you are on a corporate, state or national Do Not Call Registry.

 

DATE LAST REVISED: JUNE 23, 2015

This Privacy Policy applies to consolidationnow.com (the “Site”), which is owned and operated by Online Marketing Solutions, Inc. (“OMS,” “we” or “our”). At OMS, we recognize and respect your privacy. This Privacy Policy explains how we collect, use and disclose personally identifying information (“Personal Information”) gathered through our Site. This Privacy Policy applies only to information collected through our Site. It does not address our collection of Personal Information from other sources, such as from sales representatives. The Privacy Policy is subject to and incorporates by reference our Terms and Conditions, including their limitation on liability. To review the Terms of Use, click here.

We reserve the right to change this Privacy Policy from time to time. You should check here periodically to review our current Privacy Policy, which is effective as of the revision date listed above. Your use of our Site and submission of Personal Information online constitutes acceptance and understanding of the Privacy Policy as in effect at the time of your submission to or use of said Site(s).

TYPES OF PERSONAL INFORMATION WE COLLECT THROUGH THE SITES

You may browse our Site without creating an online account, but to use certain features you may be required to create an account. When you create an account with us, we may collect your name, email address and contact information, and other information. In addition, to submit a comment or post to a blog, you may be required to submit your name and email address, and we may also ask you for other optional information. Your name and any optional information you submit will be displayed along with your comment or blog.

We also collect information from you if you log in to our Site through an account created with a third-party website (e.g., QuickBooks, Facebook, or LinkedIn). The option to access our Site via these third party websites is entirely at your option. The information we are able to migrate to our Site from these third party websites will depend on the privacy settings that you have in place with the third party site from which you log in. If you choose to log into the Site via a third party website, you hereby consent to our access to and collection of such personal information about you.

WE ALSO COLLECT THE FOLLOWING TYPES OF PERSONAL INFORMATION THROUGH THE SITES:

  • contact information (such as name, address, email address and phone number);
  • information to verify an individual’s identity.
  • information posted by users to our Sites, such as blogs or comments; and
  • any other Personal Information you submit through our Sites or to one of our email addresses.

We may also append to the Personal Information collected through our Site data that we receive from other sources, such as public records, demographic information and other background information supplied by information services or third parties.

In addition, we automatically collect through our Sites information that is often not personally identifying, such as the website from which visitors came to one of our Sites, Site visitors’ IP address, browser type and other information relating to the device through which they access the Sites. We may combine this information with the Personal Information we have collected from you.

TYPES OF USES OF THAT PERSONAL INFORMATION

We use the Personal Information you provide us online for the following types of purposes:

  • to respond to requests or inquiries, and for similar, customer-service-related purposes;
  • to evaluate your eligibility for our products;
  • to effectuate or enforce a transaction or agreement;
  • to adjust our offerings or services to you and to tailor the information we send or display to you;
  • to provide you with information about our company or our products that we believe you may find of interest, including to send you marketing and promotional e-mails;
  • to authenticate visitors to our Sites; or
  • to improve our Sites, offerings or services and to better understand how users access and use our Sites and offerings, on an aggregated and individualized basis.

Notwithstanding anything else in the Privacy Policy, we may share aggregate or non-personally identifying information about users with third parties for marketing, advertising, research or other purposes.

TYPES OF DISCLOSURES OF THAT PERSONAL INFORMATION

We use the Personal Information you provide us online for the following types of purposes:

  • to provide you with information relating to products or services that we believe you may find of interest;
  • in response to a subpoena or other legal process by a governmental entity or third party, or if otherwise required by law;
  • to protect or enforce our rights or property;
  • in the event of the sale or dissolution (bankruptcy) of assets, in whole or in part, of our business or any of its affiliates;
  • to third parties involved in the process of providing services to you or performing functions on our behalf, such as contractors, customer service providers (e.g., information technology or human resources consultants or service providers), credit bureaus, and collection agencies;
  • to our affiliates and subsidiaries for marketing purposes, or for product or service delivery;
  • to a broker or other source that referred a consumer to us.
  • to our student loan consolidation providers in the course of their auditing us;
  • to provide products or services requested.

Notwithstanding anything else in the Privacy Policy, we may share aggregate or non-personally identifying information about users with third parties for marketing, advertising, research or other purposes.

TYPES OF DISCLOSURES OF THAT PERSONAL INFORMATION

We may disclose Personal Information collected online to third parties for the following sorts of purposes:

  • to provide you with information relating to products or services that we believe you may find of interest;
  • in response to a subpoena or other legal process by a governmental entity or third party, or if otherwise required by law;
  • to protect or enforce our rights or property;
  • in the event of the sale or dissolution (bankruptcy) of assets, in whole or in part, of our business or any of its affiliates;
  • in the event of the sale or dissolution (bankruptcy) of assets, in whole or in part, of our business or any of its affiliates;
  • to our contractors or service providers (such as an information technology or human resources consultants or service providers) who provide services or perform functions on our behalf;
  • to our affiliates and subsidiaries for marketing purposes, or for product or service delivery;
  • to our student loan consolidation providers in the course of their auditing us.

Notwithstanding anything else in this Privacy Policy, we also may use aggregate or non-personally identifying information about users for market analysis, research, marketing or other purposes.

COOKIES AND ANALYTICS

When you interact with our Site, we strive to make your experience easy and meaningful. We or our third party service providers use cookies, web beacons (clear GIFs, web bugs) and similar technologies to track user activity and collect site data. We may combine this data with the Personal Information we have collected from you.

Cookies. We (or our third party service providers) use cookies to track visitor activity on the Site. A cookie is a text file that a website transfers to your computer’s hard drive for record-keeping purposes. Our cookies assign a random, unique number to each visitor’s computer. They do not contain information that would personally identify the visitor, although we can associate a cookie with any identifying information that is or has been provided us while visiting our Site. We or our third party service providers use cookies that remain on your computer for a specified period of time or until they are deleted (persistent cookies). These cookies record clickstream information (data reporting the URLs, or names of the pages, on our Site that have been visited). We may also use cookies that exist only temporarily during an online session (session cookies) – these cookies allow us to identify you temporarily as you move through the Site. Most browsers allow users to refuse cookies, but doing so may impede the functionality of some portions of our Site. We also use cookies in our restricted client and sales representative limited-access portions of our Site.

Web Beacons. Web beacons are tiny graphics with a unique identifier, similar in function to cookies, that are used to track the online movements of Web users. In contrast to cookies, which are stored on your computer’s hard drive, Web beacons are embedded invisibly on webpages and may not be disabled or controlled through your browser.

Third Parties. As noted, we may also engage third parties, including without limitation Google Analytics and GetClicky, to track and analyze Site activity on our behalf. To do so, these third parties may place cookies or web beacons to track user activity on our Site. We use the data collected by such third parties to help us administer and improve the quality of the Site and to analyze usage of the Site. We do not provide these third parties with your Personal Information.

USER CONTENT

We may allow users to post information to our Site, such as comments or blogs. Any information that you post to our Site becomes public information and may be viewable by other users, as well as visitors to our Site. In addition, your name, as well as other optional information you choose to submit along with the information you post, will be publicly displayed along with your comment or blog. We are not responsible for the privacy of any information that you choose to post to our Site, or for the accuracy of any information contained in those postings. We cannot prevent such information from being used by others in a manner that may violate this Privacy Policy, the law, or your personal privacy. Your posting of any content to any of the Site is subject to our Terms of Use.

THIRD-PARTY LINKS

At times, our Site may contain links to other, third-party websites. Any access to and use of such linked websites is not governed by this Privacy Policy, but, instead, is governed by the privacy policies of those third party websites. We are not responsible for the information practices of such third party websites.

MARKETING COMMUNICATIONS

We may send you emails from time-to-time, about information that we (or third parties) believe may be of interest to you. We may also send you news and offers from us or other third parties, which may include our newsletter or information about special offers, products or offerings, or other items.

If, at any time, you would like to stop receiving these promotional e-mails, you may follow the opt-out instructions contained in any such e-mail. Please note that it may take up to 10 business days for us to process opt-out requests. If you opt-out of receiving emails or promotions from us, we still may send you e-mails about your account, your application or any products or services you have requested or received from us, or for other customer service purposes.

INTERNATIONAL USERS

The Site is hosted in the United States. If you are accessing the Site from outside the United States, by providing your information to the Site, you are consenting to and authorizing the transfer of your information to the United States for storage, use, processing, maintenance and onward transfer of such information to other entities, regardless of their location, in accordance with this Privacy Policy and our Terms of Use. You are also consenting to the application of United States law in all matters concerning the Site.

SECURITY

We use physical, technical and administrative measures to protect the security of the Personal Information that you provide to us. Despite our efforts, no data security measures can guarantee 100% security all of the time. You should take steps to protect against unauthorized access to your password, computer and web-enabled devices, among other things, by signing off after using a shared computer, choosing a password that nobody else knows or can easily guess, and keeping your password private. You should also use caution when using a shared computer to submit Personal Information. You should never share your log-in information with others. We are not responsible for any lost, stolen or compromised passwords, or for any activity on your account via unauthorized password activity.

 

California online privacy protection act compliance
Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.

 

Childrens online privacy protection act compliance
We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

 

online privacy policy only
This online privacy policy applies only to information collected through our website and not to information collected offline.

CONTACT US

You may contact us with any questions or concerns about this Privacy Statement by emailing info@consolidationnow.com

 

Testimonials

"Thanks and I have enjoyed my association with you and your company. I would have never been able to do this on my own. Again, thanks for your help." Sandy P.

"My first student loan payment out of many loans was coming up and it was going to put a huge dent in my pocket. But luckily for me I found Apple Debt Care; they really helped me consolidate all my loans and now I only have to make one low payment that I can actually afford." - Eddy A.

"Thank you so much, I appreciate working with you and AppleDebtCare; You have already helped me so much and are continuing to help me get back on my feet and to manage my debt better." Demetrice M.