Privacy Statement
Policy Effective Date: June 1, 2008

Protecting Your Privacy

This privacy policy explains how we use your information and explains what you can expect from Zumbru Financial Services. It applies to all visitors to our website, including but not limited to, current or past clients. By using this site, you indicate your acceptance of Zumbru Financial Services' Privacy Policy.

What Information Is Collected?

We collect personally identifying information from voluntary user registrations, surveys, contact forms and emails. We also collect non-personally identifying information when you visit our website about which pages you visit, how long you visit certain pages, and how you arrived at our website among other things.

In order to perform a meaningful analysis of the financial situation of any prospective client, it is important to have accurate information about you. Therefore, when you apply for our program we collect information from you. We will collect information from you, including but not limited to your name, address, and debt schedule. We receive this information from you on our FREE Consultation Form, our statement of financial condition, and our client information form. We may also receive information about your credit history from third parties such as credit reporting agencies or other creditors. In addition, we collect and maintain information about your transactions with our affiliates, others, and us. This information includes account balances, payment history, credit card usage, and parties to transactions. In this policy, we refer to this information as "private information."

For more information on exactly what information is obtained, please contact us at info@zumbru.com.

Why Do You Collect Information?

The information we collect allows us to improve your user experience through the customization of content and layouts of various pages. It also enables us to keep you informed about new features and services that we offer along with any content that we provide through our newsletters. In addition, some information is shared with reputable organizations who may contact you with special offers of possible interest.

Who Do You Share My Information With?

We will not disclose your private information, as described above, to any organization, affiliated or non-affiliated, unless this disclosure:
(1) is limited to your name, e-mail addresses, postal addresses and telephone numbers, which we make available to other reputable businesses whose products or services may be of value to you. In this instance we may share your data with a third party.
. (2) is necessary to effect, administer, or enforce a transaction, service, or inquiry you have initiated. For example, we occasionally enter into agreements with companies whose expertise is necessary to provide the service you have requested. They include specialized firms for check printing, to execute security transactions as well as provide data processing services;
(3) is necessary to perform marketing services on our behalf, so that we may better understand your financial needs and determine how we can help you meet those needs;
(4) is necessary to perform joint marketing services for services that might be offered jointly with another institution, that we would offer to you directly; and/or
(5) is necessary to facilitate or consummate our business transactions with third parties. In these limited cases where information is shared with other companies that perform services on our behalf or for joint marketing purposes, the information provided is limited to the information they need to perform their function. These companies are also required to maintain the security and confidentiality of the information provided and use it only to perform the specified service on our behalf.
(6) is to a third party to effect, administer, or facilitate debt reduction services via other companies with whom we have joint marketing agreements.

If you do not wish to share your information with other companies or organizations, please let us know by contacting us at info@zumbru.com. We retain email opt-out and postal/telephone non-solicitation requests for five years.

What Are Cookies?

We may use cookies to store your individual user preferences in order to make your user experience more enjoyable in the future. Cookies are tiny bits of information stored by your browser on your computer's hard drive. Most browsers are initially setup to accept cookies by default and they are commonly found on many websites throughout the Internet.

If you wish to disable cookies, there is a simple procedure in most Internet browsers that allow you to turn off cookies. However, note that cookies may be required to use certain features of our website and that of many others.

We may also use third-party advertising companies to serve ads when you visit our website. These companies may use information (non-personally identifying) about your visits to this and other web sites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and become aware of your choice to not have this information used by companies, please contact us at info@zumbru.com.

Legal Information Transfers

We may need to disclose certain information to comply with laws, regulations, court orders, subpoenas, search warrants, or other legal reasons in the course of a legal proceeding or in response to a law enforcement agency request. Furthermore, if there is a change of control transaction in our business, a sale or transfer of assets, customer information could be sold or transferred as part of that transaction and your personally identifying information may be used by the purchaser.

Children Under 13

We are concerned about the safety of children. We do not knowingly allow anyone under the age of 13 to provide us with personally identifying information. Children wishing to utilize our services should always get permission from their parents before supplying any information about themselves, including names, email addresses and phone numbers.

Hyperlinks

We may link to other websites with information gather practices that differ from our own. Visitors should carefully review privacy policies for all websites they visit as we have no control over information submitted or collected by third parties.

We may also offer contests, sweepstakes, or other promotions from time to time that are sponsored or co-sponsored by third parties. These third parties may obtain personally identifiable information that visitors voluntarily submit to participate in the contest, sweepstake or promotion. We have no control over how these third parties use this information; however, we will notify you whenever you fill out a form that will provide them access to such information.

Member Conduct Guidelines

You agree not to use our website in order to:

• perform any commercial activities without the written consent of Zumbru Financial Services;
• forge headers or manipulate identifiers as a means to mask the origin of any Content transmitted through the Service.
• disrupt the servers or networks connected to the Zumbru Financial Services site; transmit any Content that is unlawful, invasive of another's privacy, or otherwise objectionable;
• hurt minors in any way, "stalk" any individuals or gather personal information about other users;
• pretend to be any person or entity or feign your affiliation with a person or entity;
• transmit any Content that would infringe upon another's intellectual property rights or would be considered "spam", "chain letters" or any other form of solicitation;
• post any Content that you should not transmit under any contract, law or fiduciary relationship or any Content containing any viruses or programs that would effect functionality;
• develop password-only, restricted access pages, or hidden pages;
• break any applicable laws or regulations or aid any other user in achieving illegal activities.

Changes and Updates

We may need to change this privacy policy from time to time in order to address new issues, new technologies, changes in our website or business practices. We will always post these changes so you will know what information we gather and how we may use that information. Please consult this policy regularly for such updates.

Members' Rights

By using this website, you acknowledge that we acquire all rights to use any posted materials as described above so that we do not violate any rights you may have in materials you post. By submitting content to or throughout our website, you grant us the non-exclusive right to reproduce, modify and distribute it as we see fit in any medium and for any propose in any form, media or technology now known or later developed. You also permit any other user to access, display and print such content for personal use. You vouch that any material you submit does not violate, plagiarize or infringe upon the right of any third party, including copyright, trademark or proprietary rights. If non-original content is included in your posting, you much obtain permission from the content owner and attribute it.

Privacy Resources

Further Questions or Comments

Note: This privacy policy applies to all of Zumbru Financial Services' owned and operated websites and to Zumbru Financial Services' other information gathering activities. Zumbru Financial Services complies with all the stringent standards of ethical conduct set forth by the Direct Marketing Association.