Privacy Policy

AMERICAN CENTER FOR CREDIT EDUCATION’S
PRIVACY POLICY FOR CONSUMERS

This program was developed by the American Center for Credit Education (ACCE), a division of Rushmore Consumer Credit Resource Center. ACCE has created this privacy statement in order to demonstrate our commitment to privacy.

Information We Do and Do Not Collect: 
ACCE does not collect information – such as names, addresses, telephone numbers or
e-mail addresses – about visitors to our website unless visitors specifically give us that information. Visitors to our website remain anonymous, unless they are using online programs. We do collect the following information:

• IP addresses and/or domain names, the date and time the site was accessed, and the city, county and country where the web page request initiated. This information is used to create summary statistics and to determine the level of interest in the information that is available on our site.
• Information provided by a site visitor on a web form is collected to perform the services offered at the site. Services offered at the website include e-mail correspondence, tests, demographics information and evaluations of programs. This information is used internally, as appropriate, to fulfill the visitor’s request. The information is not disseminated or sold to other organizations.
• Any information that is linked to our site will be governed by the privacy policy of that site, and any question you have related to that site’s use of information should be directed there. It is the intention of American Center for Credit Education to partner with the most trusted sites on the Internet to provide you with these services. If you have concerns regarding other sites linked from our website, please contact us.

We Maintain Collected Information on Individuals Enrolled in Our Programs
This program is brought to you by an organization/business that uses ACCE’s programs. This organization/business enrolled you in this program. ACCE collects information when you enroll in the program and when you complete the program. This information is used to identify you, and may include your name, email address, mailing address, phone number and other personal information you provide when you register for a program.  ACCE may also collects demographic information and program evaluation information you provide.
ACCE provides this information about you to your enrolling organization/business. Your enrolling organization/business is obligated to maintain your privacy.

We use the information collected on for the following purposes:
Fulfill orders you have place
Better serve your needs
Respond to you if you contact us
Enhance your customer experience and improve our programs
Evaluate and manage our business. 

Your information will not be accessible to anyone other than our staff or business affiliates who services you have requested. 

There may be time when we need to share your personal information with a third-party service provides.  We work with third party service providers to provides website, application development, hosting, data storage, maintenance, and other services for us.  To the extent it is necessary for these third-party service providers to complete their contractual obligation to us, these third parties may have access or process your information. 
We may disclose your information if required to do so by law or in good-faith belief that such action is necessary to comply with state and federal laws, in response to a court order, judicial or other government subpoena or warrant, or to otherwise cooperate with law enforcement.

We reserve the right to disclose your information when we have a good faith belief that doing to is appropriate and necessary to take precautions against liability; to protect our business from fraudulent, abusive, or unlawful uses or activity, to investigate and defend ourselves against any third party claims or allegations, to assist government enforcement agencies, to protect the security or integrity of the services, or to protect the rights, property of our organization, our users or others.

If you enrolled in this program to fulfill a requirement for bankruptcy, you authorize your enrolling organization/business and ACCE to share your information with your attorney and the Executive Office of the US Trustees (EOUST), if they require it.

We Maintain Confidential Information:
We maintain physical, electronic and procedural safeguards to help prevent unauthorized access to confidential information.

We Limit Employee Access to Information:
Our employees have access to your information only when they need it for business reasons. All employees are trained to respect the security and integrity of our client information. Those who violate our policy will be subject to discipline.

We share information with nonaffiliated third parties when they are acting on our behalf or acting jointly with us. These nonaffiliated third parties include companies that provide support services such as technical systems consultants and programmers, and others as permitted by law.

ACCE does not rent, sell or otherwise make available clients' e-mail addresses or personal information. Our website contains links to other sites. Please be aware that we are not responsible for the privacy practices of such other sites.

We Maintain Security Procedures to Protect Information:
We maintain physical, electronic and procedural safeguards to help prevent unauthorized access to confidential information about you. We update and test our technology to improve protection of our information about you and to assure the integrity of our information. Unique passwords and identifiers are required to log into programs that collect information.

In the Event of Merger or Sale:
We reserve the right to transfer or assign the information that we have collected from users in connection with a corporate transaction, such as a merger, consolidation, or asset transfer due to business closure.

Our Privacy Commitment to You:
We want you to understand our commitment to personal privacy and our use of information. As laws change and industry privacy and security best practices evolve, this policy may be revised.  We will post this policy on this page and note the date of the updated policy. We encourage you to check this page periodically for any changes.    

Our Commitment to Children’s Privacy:
Protecting the privacy of young children is especially important. For that reason, we do not allow children under 13 years of age to use the Services, we do not knowingly collect or maintain information from persons under 13 years of age, and no part of the Services are directed to persons under 13 years of age. If you are under 13 years of age, then please do not use or access the Services at any time or in any manner. If we learn that information has been collected through the Services from persons under 13 years of age and without verifiable parental consent, then we will take the appropriate steps to delete this information. If you are a parent or guardian and discover that your child under 13 years of age has obtained a account or provided us with information, please alert us at acce@acce-online.com to request that we delete the information from our systems.

How to Contact Us:
If you have any questions about this Privacy Policy please email us at acce@acce-online.com.  Our mailing address is: 2310 N Maple Avenue, Rapid City, SD  57701.

Revised 10-18-18