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Privacy Statement

Notice of Your Financial Privacy Rights

Debt Freedom Institute of America (DFIA) is committed to protecting your financial privacy. This notice describes our Privacy Policy and the measures we take to protect the privacy of your nonpublic personal information. We do not disclose nonpublic personal information about you to anyone except as permitted by law.


"You" and "your" means debt management customers.

"We", "our" and "us" means Debt Freedom Institute of America.

"Nonpublic personal information" means information about you that we collect in connection with providing debt management service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An "affiliate" is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A "nonaffiliated third party" is a company that is not affiliated with ours.

The information that we collect

We collect nonpublic personal information about you from the following sources:

  • Information we receive from you for debt management services on applications, forms or other means (for example, assets, income and debt)
  • Information about your transactions and experiences with us (for example, account balances, account activity and usage, and payment history)
  • Information about your transactions with nonaffiliated third parties
  • Information from consumer or credit reporting agencies and other outside sources (for example, creditworthiness, credit history, and employment verification)

Nonpublic personal information and nonaffiliated third parties

Since we value our customer relationship with you, we will not disclose your nonpublic personal information to outside marketers or other companies to allow them to independently solicit you for their products or services. In addition, we will not disclose your nonpublic personal information with nonaffiliated third parties except as permitted by law. Examples may include a disclosure in connection with a subpoena or similar legal process, a fraud investigation, recording of deeds of trust and mortgages in public records, credit reporting, an audit or examination. We may also disclose customer information to companies that perform services on our behalf, such as account processing, statement processing and check printing. We require that outside companies and independent contractors to whom we provide customer information for servicing or processing purposes enter into a confidentiality agreement that restricts the use of any nonpublic personal information to their agreed upon purposes and prohibits the independent use of that information.

The confidentiality, security and integrity of your nonpublic personal information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. Our employees are bound by a code of conduct requiring confidential treatment of customer information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Nonpublic personal information and former customers

Our policy for the collection and disclosure of information about customers contained in this Privacy Disclosure applies to both current and former customers.

Who to contact

If you have questions concerning our privacy policy, or believe that your right to financial privacy has been compromised, please contact:


Debt Freedom Institute of America Inc
P.O. Box 308
East Walpole MA 02032

Toll Free: 800.395.0461
Local Phone: 508.668.1470
Fax: 508.668.4168
E-mail: info@debtfreetonight.com

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