Web Privacy Policy:

We at Genesis Financial Management, Inc. (GFM) want to be sure that you get superior service and quality products. We also are concerned about the privacy of your personal information. We are including this notice to help you understand how we may collect nonpublic personal information about you, the type of information we may collect, and what information we may disclose about you. The same rules apply to former customers as apply to current customers. When we use the terms "nonpublic personal information," we mean personally identifiable financial information that is not publicly available.

Information We Collect

We collect nonpublic personal information about you directly from you and from other sources, including the following sources:

Information we receive from you on applications or other forms or over the Internet or telephone, such as your name, address and creditor information
Information about your transactions with us or others; and
Information we receive from a consumer reporting agency.

Information We Disclose

Sharing Information with Our Affiliates: Unless you tell us not to (called "opt-out"), we may share all of the information we collect, as described above, with companies in our corporate family (called "affiliates"). This information may include:

Information we obtain from you, such as your income or your liabilities;
Information we obtain from a consumer report, such as your credit score or credit history; and
Information we obtain to verify representations made by you, such as your open lines of credit.

Our future affiliates may include financial service providers, such as other non-profit credit counseling agencies. We may have additional affiliates in the future.

Sharing Information with Nonaffiliated Third Parties: Unless you tell us not to (called "opt out"), we may share all of the information we collect, as described above, with nonaffiliated companies outside our corporate family. We will share this information when we believe these other companies are able to extend services or products that might be of value to you. These other companies may be financial service providers (such as insurance agents) or they may be non-financial companies (such as retailers or direct marketers).

We also may disclose any nonpublic personal information to anyone as permitted by law. For example, we disclose information about you to third parties with your consent or at your direction or if disclosure is necessary to effect, administer, or enforce your transaction with us.

In addition, we may disclose all of the information we collect, as described above, to companies that perform services and functions, including marketing services, on our behalf and we may disclose some of this information to other financial institutions with whom we have joint marketing agreements.

Use of Cookies

The GFM Website uses "cookies" helping you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalize GFM's pages, or register with GFM's site or services, a cookie helps GFM recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same GFM Web site, the information you previously provided can be retrieved, so you can easily use the GFM features that you customized.

You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of GFM's services or web sites you visit.

Chat Rooms and Forums

This GFM Website may now or in the future include web logs (i.e., blogs), chat rooms, forums, message boards, and/or news groups. Any information that is disclosed in these areas becomes public information. You should exercise caution before disclosing your personal information via these public venues, which you do at your own risk. If you do so, you may receive, among other things, unsolicited emails or "spam" from others. GFM cannot safeguard the privacy of personal information that is disclosed online in this manner.

Other Websites

When browsing GFM's Website, you may be directed to other websites that are beyond our control. These other websites may use cookies and pixel tags, collect data, or solicit personal information. Even though GFM may be affiliated with these websites, we have no control over them or how they collect, distribute or otherwise use your personal information or how they safeguard and secure your personal information. GFM is not responsible or liable for the conduct, policies or actions of the owners of such websites or the content displayed on these websites. These websites are linked to GFM's Website only for your convenience and you access them at your own risk.

Security of your Personal Information

GFM secures your personal information from unauthorized access, use or disclosure. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you or on your behalf. GFM secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Children's Online Privacy

Our website is not directed to children under the age of 13. We respect the privacy of parents and children and are committed to complying with the Children's Online Privacy Protection Act. If a parent believes that his or her child has provided us with personal information, he or she can contact us via e-mail or postal mail as listed below. We will promptly delete the information upon learning that it relates to a child under the age of 13.

How to Opt-Out (Direct Us Not to Share Certain Information)

Opt- Out for Nonaffiliated Third Parties: If you prefer that we not share information with companies outside our corporate family, you may direct us not to share information by calling us toll free at 1.800.460.8641. An opt-out by one consumer will be treated as an opt-out for all joint consumers for the same the product, account, or service you have with us. Note: Even if you direct us not to share information with companies outside our corporate family, we may disclose nonpublic personal information as permitted by law and to companies that perform services and functions, including marketing services, on our behalf. We also may disclose some of this information to other financial institutions with whom we have joint marketing agreements.

"Opt-Out" for Affiliates: If you prefer that we not share information with our corporate affiliates, you may direct us not to share information by calling us toll free at 1.800.460.8641. An opt-out by one consumer will be treated as an opt-out for all joint consumers for the same product, account, or service you have with us. Note: Even if you direct us not to share information with our affiliates, we may still share with our affiliate's information about our direct experiences and transactions with you as permitted by law.

Policy Change

We reserve the right to change our privacy policy and this privacy notice from time to time without prior notice to you, unless prior notice is required by law.