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Privacy Policy

Americor Financial Services PRIVACY POLICY

EFFECTIVE DATE: November 1, 2015 The Americor Financial (“We” or “Americor Financial Services”) Digital Privacy Policy (USA) (“Privacy Policy”) describes how we gather and use your information through a variety of means. By accessing this website, or other Americor Financial Services services (collectively, the “Website”) on any computer, mobile phone, tablet or other device (collectively, “Device”), you agree to our Privacy Policy. Americor Financial Services may modify this Privacy Policy at any time. Your use of the Website constitutes your acceptance to this Privacy Policy and any updates. This Privacy Policy is incorporated into, and is subject to, the Terms of Use.

1. Data Information Collection Personal Data: Personally identifiable information (“Personal Data”) is any information that can be used to identify a specific individual, such as your name, email address, home address, phone number, and credit card information. This Website collects Personal Data when you interact with the Website. We may also obtain Personal Data from reputable third parties. Aggregate and Anonymous Data: Aggregate and anonymous data is information that does not identify you specifically including data collected automatically regarding your interaction with the Website (“AA Data”). Information we may collect includes, but is not limited to, the total number of visitors to the Website, the number of visitors to each page of the Website, device identifier and hardware information, IP address, browser type and language, cookie information, system type, whether or not you have enabling software to access certain features, access times, referring website URLs and other information about your interaction with us. Americor Financial Services may analyze this AA Data for trends and statistics, but such information will be maintained, used in aggregate form only and it will not contain Personal Data other than an IP address. We may use such AA Data to analyze trends to better administer the Website. We may use third party service providers to help us operate our business or administer activities on our behalf. We may share your information with these third parties for those limited purposes.

2. Cookies and Similar Technologies We use “cookies” or other similar technologies to collect AA Data. A “cookie” is a data file placed on a Device when the Device is used to visit the Website. When you click on a “Buy” button or a promotional offer on the Website, an affiliate cookie tracks your use and any purchases made on third party merchant web sites; this allows Americor Financial Services to collect commissions on purchases that you make from third party merchants. We may also use a service that collects data remotely by using “pixel tags,”“web beacons,”“clear GIFs,” or similar means. This information is AA Data.

3. Privacy of Children We do not knowingly collect or solicit Personal Data from children under the age of eighteen (18).

4. Use of Your Data Personal Data: We will use your Personal Data for the purposes for which it was provided. For example, if you provide Personal Data to enter a contest or sweepstakes, we will use it to enter you. We may also use your Personal Data to provide you with information about features, services, and other offerings that may be of interest to you. If you provide us with your telephone number, we may use it to call you about your order or to provide information and offers about other products or services we offer. We also may send information or offers to Website users on behalf of other businesses. Under certain circumstances (for example if you win a contest) we may post your Personal Data on the Website. We will notify you of this possibility when you provide the Personal Data and, if possible, when the Personal Data is posted. Cookies and similar tools may be used to relate your use of the Website and AA Data to Personal Data. If any AA Data is linked with Personal Data, the linked AA Data will then be treated as Personal Data. AA Data: We may also use Personal Data in aggregate form for purposes of research or analysis. We may share this type of AA Data with a variety of third parties, including our affiliates, agents, and current and prospective business partners. We may use AA Data collected from the Website for site administration, advertising and promotional purposes, and we may share such information with various affiliated and unaffiliated entities for such purposes. We may also enter into agreements with outside companies that possess technology that allows the Website to customize the advertising and marketing messages you receive on the Website. This data may be shared with these companies for this purpose.

5. Disclosure of Personal Data Disclosure to Third Parties: We may provide your Personal Data to carefully-screened marketing partners or other third parties for the purpose of contacting you with marketing and other information about products, services, or publications in which we believe you may have an interest. These partners may offer you products and services they think may be of interest to you. If you do not want us to share your Personal Data with marketing partners or third parties for their marketing or promotional purposes, you may opt-out of such sharing by contacting us at cs@americorfs.com. In addition, we may hire other companies to perform certain business-related functions on our behalf. When we employ a third party to perform these functions, that third party will only be provided with the particular Personal Data it needs to perform its function, and is required to protect the Personal Data. We may also share Personal Data with third parties for purposes specified at the time of collection, such as for their marketing or promotional purposes. We will provide you with an opportunity to elect or decline these services or opportunities (see “Your Choices” below). In the event you have elected to unsubscribe from any of our services, we will share your Personal Data with third parties with whom we jointly offer such services solely to the extent necessary to ensure that your request not to receive such communications is honored. In addition, for third party sponsored sweepstakes, contests, or promotions, we may request Personal Data from you that may be shared with the sweepstakes sponsor upon request. Disclosure to Others: We may disclose Personal Data without providing you with a choice under the following circumstances to: (1) protect the legal rights, privacy or safety of Americor Financial Services or its subsidiaries, affiliates or its or their employees, agents and contractors; (2) protect the safety and security of visitors to the Website or other properties; (3) protect against fraud or other illegal activity or for risk management purposes; (4) respond to inquiries or requests from public authorities; (5) permit us to pursue available remedies or limit the damages that we may sustain; (6) enforce our Terms of Use; or (7) comply with the law or legal process. Your credit card numbers, CVS (back of the card) numbers and expiration dates are never revealed by the Website to anyone except to processing agencies and/or law enforcement authorities and/or in connection with fraud investigations and litigation. If Americor Financial Services sells all or part of the Website or makes a sale or transfer of assets or is otherwise involved in a merger or business transfer, we may, in our sole discretion, transfer, sell or assign your Personal Data to a third party as part of or in connection with that transaction. Upon such transfer, the Privacy Policy of the acquiring entity may govern the further use of our Personal Data.

6. Links to Third Party Sites / Merchants The Website contains links to third party web sites. Americor Financial Services is not responsible for the privacy practices or the content of these third party web sites, including any sites that speak to a special relationship or partnership with Americor Financial Services. Be aware that these third party web sites are not controlled by Americor Financial Services and are not subject to this Privacy Policy. To ensure the protection of your privacy, you should review the applicable privacy policy of any third party web site you link to from this Website.

7. You can use the Website without providing any Personal Data, but if you decline to provide Personal Data, you may not be able to use certain services or features. If you have previously provided Personal Data to the Website and are receiving emails or other communications from the Website and you do not want to receive such emails, please discontinue your subscriptions by contacting us at cs@americorfs.com, or clicking “unsubscribe” at the bottom of the communication. We may, however, retain records of your Personal Data as needed in order to comply with applicable federal, state, or local law. You may elect or decline to receive offers of interest from third parties by contacting us at cs@americorfs.com. If you have unsubscribed from any Americor Financial Services communications, due to advanced production schedules, you may receive communications already in production.

8. Public Sharing: If you join or use certain social media services from the Website, you agree to publicly share a basic amount of information like your user name and city location. You may also choose to share your activity on other social media platforms, such as Facebook and Twitter. Please read the privacy policies of those social media platforms, as your information and activity that are published on those platforms will no longer be governed by this Privacy Policy.

9. Americor Financial Services Sharing Information that is publicly shared may be used by Americor Financial for promotional purposes.

10. California Privacy Rights Under California’s “Shine the Light” law, California residents who provide Personal Data to the Website may request certain information regarding our disclosure of Personal Data to third parties for their direct marketing purposes. To make such a request, please contact us at cs@americorfs.com.

11. Protecting Your Information We take reasonable security precautions to secure the Personal Data that you choose to provide against the loss, misuse, alteration, or unauthorized access of such information. Unfortunately, no transmission of data over the Internet is guaranteed to be completely secure. While we strive to protect your Personal Data, we cannot ensure or warrant the security or confidentiality of any Personal Data you transmit to us.

12. Terms of Use: Your use of the Website and its services, and any disputes arising from them, is subject to this Privacy Policy as well as the Terms of Use. Please review our Website Terms of Use, which explains other terms governing the use of the Website and our services.

13. Changes to this Privacy Policy From time to time, we may revise this Privacy Policy. If we make material changes to the way we collect or use Personal Data, we may provide notice of those changes by either: (1) announcing the change on the home page of the Website; or (2) taking such other action as we deem appropriate under the circumstances, such as posting the revised draft of this Privacy Policy on the Website. By continuing to use the Website following such changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Privacy Policy, please do not continue using the Website.

14. Contacting Americor Financial Services If you have any questions about this Privacy Policy, Personal Data gathered by this Website, or about the operation of this Website, or if you wish to unsubscribe from the Website, please contact us at cs@americorfs.com or write to us at:

Americor Financial Services
2 Park Plaza Suite 225
Irvine, CA 92614

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  • I am writing you this e-mail to let you know how happy I am with Americor Financial for getting me my first settlement well before my 4 – 6 months, this was fantastic!! The people at Americor Financial are very easy to work with and they go out of their way to help you in any way they can – would for sure recommend them to my friends and famly. I am very much satisfied with all they have done for me. With their help, my future will be fantastic being debt free, can't thank them enough, for all their help.

    Kathleen Arceo, AZ
  • I found myself drowning in credit card debt. After some research and careful consideration, I reached out to Americor Financial for help. Everyone I spoke with was pleasant and helpful. They made it easy to understand and together we came up with a monthly payment plan that was conducive to my financial state. I was very pleased that one of my creditors was settled after one month. I would definitely recommend Americor Financial to my family and friends who find themselves in a similar situation. With much gratitude to Americor Financial my future will NOT include credit card debt, leading me to a better lifestyle. Overall,my experience with Americor Financial has been exceptional.

    Michael Frawley, NY
  • I was very skeptical about participating because of all the scams. I did a lot of research on debt-resolution companies. After talking with the debt counselors and realizing it is for real and that I would get out of debt, we ended up participating. It was a very good experience and would recommend it to anyone if they are having problems.

    Andrew C, NV
  • I wanted to write a quick note to thank you for helping me. You are so kind! This is a big deal to me to trust anyone with my financial situation. I have tried hard to do it myself. You are my hope to get back on my feet again. I know everything can get better! Thanks to you I know it is OK to ask for help.

    Georgina S, CA
  • Thank you for talking to me. Your personality shows over the phone and you made this process really easy to understand and helped me through all my questions. Your technique and approach worked with me and if I have success with this program (as I’m sure I will) I will certainly recommend your name and number to anyone with a similar situation.

    James K, MA
  • Thank you so much for your help... I feel so relieved. I really like the time period in which all these debts will be cleared up instead of paying on these debts forever and not getting anywhere.

    Sherry A, CA
  • I called tentatively to discuss the delicate matter of my debt. The answers I received were direct and to the point but not lacking in sensitivity and wisdom. I was put at ease and motivated to stay through the program. They took care of the dreadful paperwork and I was comfortable with the work ethic and boundaries that were demonstrated

    Susan V, CA
  • Thank you so very much for all of your personal attention and for going above and beyond with my account. In the beginning, I had numerous companies to handle my business. However, YOU went above and beyond with your excellent communication skills. You helped to explain how the program works in clear, concise language that made it easier for me to understand the whole process. You have always demonstrated rapid response and a lot of patience in educating me and answering my questions. What I appreciate most of all is when you were there for me recently and educated me when my creditors began to call. Your personal attention and human touch helped relieve my anxiety and stick to the program.

    Twyla H, TX

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* Under our debt resolution program, we cannot provide a guarantee that that we will be able to resolve all of your debts that you enroll in our program or that we will be able to resolve your debts for a specific amount or within a specific period of time. Resolving your debts by paying less than you currently owe will likely negatively impact your creditworthiness and may subject you to collection actions or lawsuits by your creditors. We are not a credit repair company and we do not provide credit repair services. Under our program, we do not assume the liability for your debts and we do not make monthly payments to your creditors. If you do not make timely payments to your creditors on your enrolled accounts, the outstanding balances of your enrolled debts will likely increase due to the accrual of interest charges, penalties and late fees as outlined in your cardholder agreement, however, the repayment agreements that we may negotiate on your behalf will resolve the entire outstanding balance on that account including any interest, penalties or fees accrued during your program participation. Any amount of debt forgiven by your creditors may be subject to income tax. We do not provide tax, accounting or bankruptcy advice, and you should consult with an accountant or attorney regarding the potential tax consequences of paying less than the full amount owed on your accounts. Not all of our clients will be able to complete our debt resolution program for any number of reasons, including but not limited to their ability to save enough money during the term of their program enrollment. You should carefully read all program materials prior to your enrollment to be sure you fully understand the terms and conditions of our program.