Biblical Financial Concepts, Inc. d/b/a Stand Sure Counseling Services (“SSCS”) is committed to delivering reliable information to our customers and to protect the privacy and confidentiality of Personally Identifiable Information (PII) about consumers. Safeguarding the privacy of information, both online and offline, is a top priority for you and SSCS. Accordingly, we take reasonable steps to:
Give you, as a visitor to our web site, clear notice when we are requesting information from you, the types of information we request from you, the general purposes for which that information will be used or disclosed, the categories of users to whom we provide the information;
Only retain information provided by you, the user. Any other information such as information used by a third-party service is neither recorded, retained, stored, maintained nor held by SSCS;
Maintain accurate records, provide you access to the personally identifiable information that is retrievable online and, provide you a fair procedure to update and correct data; and
Use safe and secure systems, physical and electronic, to safeguard the information about you.
SSCS FAIR INFORMATION PRINCIPLES NOTICE
The Information We Collect About You
We only collect information from you or about you online when you enroll in the Credit Briefing or Debtor Education course. In this situation, we collect certain information from and about you to process your request and to verify your identity to be sure that we are providing the Credit Briefing to the proper individual. This is for your protection and is a requirement prescribed by the Executive Office for United States Trustees.
This web site is not intended for use by children under the age of 13. SSCS does not knowingly collect data about visitors who are under the age of 13.
Information From You
Specifically, we receive information from you when you register for the Credit Briefing or Debtor Education course through this web site. Additionally, when you order the Credit Briefing, we ask you to provide specific Personally Identifiable Information for identity verification and authentication including:
First and last name (middle initial and suffix, as applicable);
Mailing Address, City, State, Zip Code
Last four (4) digits of your Social Security number;
Date of birth;
Home telephone number;
Credit card number and expiration date;
We may also receive information from you (at your discretion) when you visit our website, send us e-mail, faxes and mail such as:
Internet Web Browser Version;
Information From Others
We do not collect information about you from other sources. All information we collect about you is received from your responses to the enrollment forms on the Credit Briefing website.
How We Use Information We Collect
We use the information we collect about you in connection with your ordering the Credit Briefing in order to provide you:
the Credit Briefing materials you requested;
communication regarding and support for the Credit Briefing and its associated services;
verification and authentication of your identity. We also use this information for various internal business purposes, such as billing, customer service, and broadening and improving the Credit Briefing and other services we can offer.
Additionally, we may use the information, including postal address and/or email address, to send you information and notices related to the Credit Briefing.
To Whom We May Disclose The Information We Collect
We do not disclose (sell, rent or provide) the personally identifiable information you provide to us online to any third party for any marketing purposes. We do however, disclose information you provide to the Executive Office for United States Trustees for use in issuing a Certificate of Completion, and your information may be matched against existing publicly accessible databases for identity verification purposes.
Identity Verification and Authentication
The Executive Office for United States Trustees (“EOUST”) requires all authorized providers of credit briefing services to verify and authenticate user identity. This is both for your protection, and to ensure the integrity of the credit briefing program. SSCS utilizes a third party service to match PII that you provide against known publicly accessible databases such as bankruptcy records, telephone records, land ownership records, driver’s licenses, professional licenses, and voter registration. Furthermore, you may be asked additional questions in order to authenticate your identity. This is to ensure that you are, in fact, the actual person identified by the EOUST requiring this credit briefing service. This is also used to prevent any fraudulent activity by others posing as debtors.
In the event that your identity cannot be authenticated via the third party service, you will be asked to contact SSCS and provide proof of identity such as a copy of your state issued driver’s license or passport.
If you have ordered the Credit Briefing, you can, at any time, go to the Account Management Center to review your user ID, password, and email address. Other PII, such as name, postal address, and Social Security number, are collected and stored when you order the Credit Briefing. Since this information is not maintained in a form retrievable by consumers, we are not able to provide you access to it. As mentioned in the “How We Use Information” section, this information is maintained in order for SSCS to provide you:
the Credit Briefing materials you requested;
communication regarding and support for the Credit Briefing service and its associated services;
verification and authentication of your identity.
Right to Contact Users
Fees for services:
Internet presentation of material – Free
Downloadable / Printable Worksheets and Financial Analysis – Free
Internet based presentation of financial options – Free
Credit Briefing – Individual Online – $29.95
Credit Briefing – Joint Online – $29.95
Credit Briefing – Individual Telephonic – $29.95
Credit Briefing – Joint Telephonic – $29.95
Certificate of Credit Briefing – Included in counseling fee
Debtor Education – Individual Online – $15.00
Debtor Education – Joint Online – $15.00
Debtor Education – Individual DVD – $15.00
Debtor Education – Joint DVD – $15.00
Certificate of Debtor Education – Included in course fee
Refund Policy: No refunds given after client submits financial data to SSCS for analysis.
Fee Waiver Policy: Biblical Financial Concepts, Inc. d/b/a Stand Sure Credit Counseling shall waive any fees if the client can adequately demonstrate that their income is less than 150 percent of the poverty guidelines as established by the United States Department of Health and Human Services (DHHS). The standard shall be applied to the size of the client’s family for the 48 contiguous states.
For more information, please visit http://aspe.hhs.gov/poverty/08poverty.shtml
ADVISORY: The “Total Combined Monthly Income” should be used for the purposes for determining the household income. This can be found on Line 16 of Schedule I of the bankruptcy petition, and should be used as the basis for comparison to the poverty guidelines. Any non-cash assistance from governmental programs (including lunch programs, food assistance programs, WIC, rent vouchers, etc.) should not be included in calculating income.
Any income from a spouse must be included in calculating income whether or not a joint petition is filed, except in cases where the spouses are separated and a joint petition is not filed.
The income of any other family members listed on Schedule I as a dependent must also be included as part of the “Total Combined Monthly income.”
Please consult with your attorney to see if you qualify. If your attorney cannot help you, call the Customer Service Line at (877) 240-1398 to see if you qualify for a waiver.
To arrange for a waiver, please forward a written request for the waiver along with evidence of any and all income to:
Biblical Financial Concepts, Inc. d/b/a Stand Sure Counseling Services, PO Box 418, Oneonta, AL 35121 (877) 240-1398
Educational and Certification Requirements
Requirements for Counselors: All counselors on staff must have at minimum a high school (or equivalent) education. Counselors must also demonstrate mastery of available remedies for personal financial problems and participate in ongoing corporate training as a counselor. All counselors must present SSCS with any current copies of any accreditations or certifications, which shall be kept on file.
Within one (1) year of service, counselors are expected to enroll in a private educational program for accreditation through the Association for Financial Counseling and Planning Education (AFCPE). Counselors already accredited via the AFCPE must conform to any continuing education requirements. SSCS may provide some financial assistance for counselors seeking accreditation or for continuing education.
All counselors must agree to a state and Federal criminal background check every five (5) years. If a criminal background check is not authorized by state law, SSCS shall obtain a sworn statement from each counselor, at least every five years, which attests to whether the counselor has been convicted of any felony or a crime involving fraud, dishonesty or false statements.
Computer, Internet and Telephone Proficiency
SSCS counselors and staff must have a general knowledge of computers including: web browsers, e-mail, internet research, word processing software, spreadsheet software and the like. SSCS counselors will be trained in the use of email, live online chat services, and telephone systems.
Certificate Expiration The credit briefing certificate issued to participants upon completion will be stamped with the date and time that the session was completed. The certificate will only be valid for 180 days from the date and time stamp. After 180 days the certificate will no longer be valid for the purposes of filing for bankruptcy.
Impact on Credit Report SSCS does not disclose or provide information concerning whether an individual client has received or sought credit briefing or instruction concerning personal financial management to a credit reporting agency. For clients who enroll in a Debt Management Plan (DMP), participation in the plan may affect the clients’ credit report and credit score either favorably or unfavorably. This depends on each creditor’s policies with respect to the DMP and the clients’ payment history prior to and during their participating in the DMP. Nothing that SSCC does will affect a clients credit report.
No Legal or Tax Advice: SSCS counselors are strictly prohibited from providing client with any legal or tax advice. While a counselor is able to answer general questions about financial options, clients should seek professional assistance from a lawyer or tax professional if seeking legal or tax advice.
SECURITY AND CONFIDENTIALITY: SSCS recognizes the importance of secure online transactions, and we safeguard the privacy of information you provide us through online forms. For your enrollment request submitted to us online, we use programs that encrypt the information you provide on the order form before transmission to SSCS. The information is decrypted only upon receipt by SSCS. Except as set forth in the “To Whom We Disclose The Information We Collect” section above we do not disclose your PII to any third party, and we restrict access to your PII to only those who have a need to know that information in connection with the purposes for which it is collected and used. Additionally, we maintain physical, electronic, and procedural safeguards to guard your PII. Information you provide us when you register for and order the Credit Briefing or services online is transmitted to us through a secured socket layer (SSL) transmission. Further, we have security protocols and measures in place to protect the PII we maintain about you from unauthorized access or alteration. These measures include internal and external firewalls, physical security and technological security measures, and encryption of certain information. You also have a role in protecting the security of information about you. For example, you should guard your password to the Credit Briefing, and use best security practices for your computer equipment.
We take reasonable precautions to be sure that unaffiliated third parties or affiliates do not have access to your personally identifiable information.
SSCS is not, however, responsible for the privacy practices or content of link sites listed on our web pages. The owners of these link sites are responsible for them.
In order to track user progress, and provide users with the best possible experience while using the Credit Briefing service, we employ session variables.
It is widely recognized in the industry that session variables have no malicious purpose and intent. Session variables cannot be used for any type of marketing or “data mining” purpose.
Session variables expire within 20 minutes after a user logs into the site, or when the user logs out of the site or closes the web browser, whichever comes first. This ensures that user activity cannot be tracked for marketing or any other purpose. For this reason, session variables are employed by organizations such as financial institutions as user activity cannot be tracked.
SSCS only uses session variables in association with standsuretoday.com. SSCS does not employ persistent cookies or any other cookie technology that would allow any type of Internet activity monitoring. How We Use Session Variables: Session variables are employed for several purposes. For example, session variables:
enable us to store your preferences in order to personalize your user experience;
allow us to track your progress and time spent using the Credit Briefing service;
allow you to move to other services on the site (such as the help center) without requiring you to login a second time
allow us to authenticate your identity while using the Credit Briefing service
Session variables are not, and cannot be used for any marketing or “data mining” purpose. Our session variables will only collect information during your online activity at our website, not during any of your other Internet activity. Session variables set by us are not able to be interpreted by or shared with any other third party.
Please print and retain a copy of this policy for your records.