Legal Stuff

PRIVACY STATEMENT

FAMILY LIFE RESOURCES, INC.
PRIVACY NOTICE TO OUR CUSTOMERS

At Family Life Resources, Inc. protecting our clients’ privacy is paramount; we recognize that an individual’s financial matters are extremely private and sensitive in nature. Our commitment is to maintain strict standards to safeguard your personal and financial information at all times, while diligently seeking to continue to bring you valuable products and services.

This information is being provided to you as required by the Gramm-Leach-Bliley Act 1999 (Public law 106-102) and the Federal Trade Commission ruling dated July 1, 2001.

INFORMATION WE COLLECT and SHARE

The personal financial information we collect directly from you includes information required to communicate with you and to assist us effectively to address your financial needs, as well as, to operate prudently in complying with the legal and regulatory requirements imposed by federal and state laws and regulations.

Such personal financial information we may collect and share is made available to us from the following sources:

  • Information received on applications and other forms, such as your name, mailing address, telephone number, e-mail address, fax number, social security number, birth date, etc.
  • Information received directly from you through face to face conversations, phone calls, e-mails and correspondences.
  • Information about your transactions with us. Such as accounts, balances owed, creditors names, account status, rates, payments made and legal ownership.
  • Information we may obtain about you from a consumer reporting agency, such as your credit score and credit history.
  • Information we receive from your creditors.
    In all cases, we collect and share only personal financial information that is either required by law or necessary to provide personalized financial services to you.

OUR USE OF YOUR PERSONAL FINANCIAL INFORMATION

In the course of conducting consumer credit counseling services on your behalf, there are occasions where we may engage affiliated and/or nonaffiliated companies to (i) service or process a financial product or service requested by you or, (ii) to maintain or service your account(s). These companies may be engaged in a related business such as a creditor, mortgage lending, bankruptcy, credit audit and verification, tax services, insurance products, auto products, etc.
In such cases, the personal financial information we may share about you with these companies is necessary and permissible by law to administer, process, service and enforce a transaction that you requested or authorized.
We may also share some or all your personal financial information with your legal representative, trustee or other fiduciary, or where we need to protect the confidentiality and security of our records, or to prevent potential or actual fraud, unauthorized transactions, claims or other liability.
Also, as permissible by law, we may provide your personal financial information on request to our attorneys, accountants, and auditors. To others also, such as enforcement agencies, consumer protection agencies, consumer reporting agencies or to comply with federal, state or local laws.
Outside of the exceptions mentioned above and as permitted by law, we will not share your personal financial information with anyone, unless you specifically authorize us to do so.

CONFIDENTIALITY AND SECURITY

When we share your personal financial information with affiliated and/or nonaffiliated companies, they are not allowed to use your personal financial information for their own purposes and are obligated to maintain strict confidentiality. We limit their use of your personal financial information to the performance of the specific product or service we have requested.

We restrict access to your personal financial information to employees who need to know such information in providing products or services to you. We maintain physical, electronic, and procedural safeguards that comply with applicable federal regulations to guard your personal financial information. Of course, even with these safeguards, we cannot guarantee that your personal financial information will always be safe from unauthorized sharing, and we assume no responsibility or liability in that event, except as and to the extent that may be imposed by law.

According to the federal trade commission ruling, we are not required to provide an opt out right for information to be shared with a consumer’s creditors.

OTHER IMPORTANT INFORMATION

If you decide to close your account (s) or become an inactive customer, we will adhere to the privacy policies and practices described in this notice.

If you have any questions about our privacy policy and practices, please contact us in writing at:
Family Life Resources
5802 E. Fowler Ave.
Tampa, FL. 33617
Please be sure to include your name, address, phone number and e-mail address.

We reserve the right to change this Privacy Notice at ant time. In that event, we will inform you of any material changes as required by law.

Keep this Privacy Notice for your records.

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CUSTOMER DISCLOSURE STATEMENT

Family Life Resources, Inc.
Customer Disclosure Statement

  1. In accordance with the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (Public law 109-8: section 111 (2) (D), we present to you the following information:

    Family Life Resources is a 501 (c) 3 non-profit Christian Credit Counseling Agency.
  2. Our main office is located at 5802 E. Fowler Ave, Tampa, FL 33617. Phone: 813-989-1900. Fax: 813-989-0359. Website: www.flrministry.org. Business hours are from 9:00 AM to 5:00PM. Evening counseling by appointments only.
  3. We provide initial and general counseling at no charge to our customers. The outcome from this counseling will not include the certificate.
  4. Family Life Resources offers Pre-filing Bankruptcy Counseling in telephone/internet, telephone and in-person format. This fee is for the combination of the counseling and the certificate. The fee for the telephone/internet counseling is $25 per person. The fee for the telephone or in-person counseling is $50 single and $75 married filing joint. In accordance with the Interim Final Rule, we also offer this counseling for free or at a reduced rate based on a client who lacks ability to pay. If your household current income is at or below 150% of the poverty income guideline or your attorney provided pro bono service for your bankruptcy case, then please contact us for this free or reduced rate service. Proper verification is required.
  5. Our counselors have completed a national certification course from AFPCE. This certification is nationally recognized and has prepared our counselors to provide appropriate credit counseling. In addition, our counselors complete a six month in-house training program.
  6. We receive donation money from some creditors. This is known as “Fair Share”. This donation is not subtracted from client payments to the creditors but comes directly from the creditors. We also receive money from services rendered, donations from the community and grant money awarded from public and private sectors.
  7. We are governed by a Board of Director. This governing body must have the majority of which are not related and or are not employed by Family Life Resources. In addition, no board member shall receive any commissions, incentives, bonuses or benefits of any kind based on the outcome of a counseling session.
  8. Each customer is provided with a Notice of Privacy brochure in compliance with the Graham-Leach-Bliley Act of 1999 (Public law 106-102) and the Federal Trade commission ruling dated July1, 2001.
  9. Family Life Resources does not report any information to any credit bureau. We are not responsible for any information reported to any credit bureau by your creditors. If a client participates in a DMP, creditors may report that client’s debt was compromised or that client is participating in a DMP. Each creditor is free to interpret these statements as they see fit. Some will look favorably upon participation in a DMP, while others may look upon it negatively.
  10. Please submit any correspondence, questions, concerns or testimonies to the address listed above or through our website.

EDUCATION DISCLOSURE STATEMENT

Family Life Resources, Inc.
Student Disclosure Statement

In accordance with the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (Public law 109-8: section 111 (d), we present to you the following information:

  1. Family Life Resources is a 501 (c) 3 non-profit Christian Credit Counseling Agency.
  2. Our main office is located at 5802 E. Fowler Ave, Tampa, FL 33617. Phone: 813-989-1900. Fax: 813-989-0359. Website: www.flrministry.org. Business hours are from 9:00 AM to 5:00PM. Evening counseling by appointments only.
  3. Family Life Resources offers our education course in classroom format and on-line internet format. The fee for the Internet program is $25.00 per person. The fee for the Classroom program is $50.00 per Household. In accordance with the Interim Final Rule, we also offer this counseling for free or at a reduced rate based on a client who lacks ability to pay. If your household current income is at or below 150% of the poverty income guideline or your attorney provided pro bono service for your bankruptcy case, then please contact us for this free or reduced rate service. Proper verification is required.
  4. Family Life Resources does not pay or receive fees or other consideration for the referral of students to Family Life Resources.
  5. Upon successful completion of the education course, Family Life Resources will provide a certificate of completion to the student.
  6. Our instructors have completed or in the process of completing a national certification course from AFPCE. This certification is nationally recognized and has prepared our counselors/instructors to provide appropriate credit counseling and education. In addition, our counselors/instructors complete a six month in-house training program.
  7. We are governed by a Board of Director. This governing body must have the majority of which are not related and or are not employed by Family Life Resources. In addition, no board member shall receive any commissions, incentives, bonuses or benefits of any kind based on the outcome of a counseling session or education program.
  8. Each student is provided with a Notice of Privacy brochure in compliance with the Graham-Leach-Bliley Act of 1999 (Public law 106-102) and the Federal Trade commission ruling dated July1, 2001.
  9. Family Life Resources maintains a list of classroom dates & times for which the student may contact us to schedule their course accordingly. Students can register for the internet on-line course by calling our office (813) 989-1900, 9-5 daily (M-F)
  10. Please submit any correspondence, questions, concerns or testimonies to the address listed above or through our website.

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