Privacy Policy

Privacy Policy

All information gathered will be strictly safeguarded and stored in a safe manner. We will limit the mandatory collection of consumer information to the minimum required to provide necessary services, which includes performing assessments of consumers’ financial situations, determining the factors which led to consumers’ financial problems, assistance in preparing a budget, providing budgeting tips, performing a complete debt analysis and counseling clients on the various alternatives to their financial situation without incurring a negative amortization of debt.

All personal consumer information and data collected by Hummingbird is treated as confidential and will not be released to any unauthorized individual or to any company, creditor, collection agent, credit reporting agency or other non-governmental entity. Hummingbird reserves the right to collect non-individualized information regarding the use of its website and programs. Hummingbird further reserves the right to record telephone calls for employee training and for accreditation purposes. Hummingbird promises not to sell, rent, loan, lease or trade a consumer’s contact information or email address.

All Hummingbird employees are required to sign and abide by an agreement whereby employees are required to keep all sensitive client information confidential.  We will permit only authorized employees, who are trained in the proper handling of client information, to have access to that information. Employees who violate our Privacy Policy will be subject to disciplinary procedures.

Impact on your credit report
Hummingbird does not report any information to any credit reporting agency or bureau; therefore the use of Hummingbird’s programs will have no impact on your credit report. However, during the course of a credit counseling session, Hummingbird does provide information about alternatives based upon an individual’s financial situation. Some of these alternatives, specifically debt management plans and the filing of bankruptcy, will affect your credit report.

No Contract
Consumers are in no way entering into a financial contract with Hummingbird and are not to make any contractual payments to Hummingbird. 

Source of Funding
Hummingbird's source of funding is the fees it receives for Credit Counseling certification and Financial Education certifications needed for the purpose of Bankruptcy cases.  Hummingbird does not take or receive funding from any creditor or lender.

Counselor qualifications
Hummingbird's telephone counselors are all Certified Financial Health Counselors, certified by the Association of Financial Health Counselors.  They each have years of diverse experience in helping people. 

*Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency’s services.