Privacy Policy

Life or Debt: Online © was developed by Money Talks News (MTN), a division of J&G Productions, Inc. MTN has created this privacy statement in order to demonstrate our commitment to privacy.

Life or Debt: Online © is typically provided to individuals by one of MTN's partner organizations, often a credit counseling organization. This partner organization enrolled you in Life or Debt: Online ©. MTN provides enrollment and completion information, demographic information you fill out, and evaluation information on you to your enrolling partner organization.

You may be enrolled in Life or Debt: Online © to fulfill the financial education requirement for pre-discharge bankruptcy education. If you are taking Life or Debt: Online © for this reason you authorize your partner organization and MTN to share your information with your attorney and, if required, the trustee's office of the Department of Justice.

Information We Collect: Visitors to our Website remain anonymous. We do not collect identifying information about visitors to our site.

  • IP addresses and/or domain names, date and time the site was accessed, and the city, county and country the web page request is initiated are collected. This information is used to create summary statistics for general business purposes, such as to determine the level of interest in our site.
  • Information given by site visitors in a Web form is collected to perform the services offered at the site, and may be disseminated to the partner organization that referred you. These services include: email correspondence, test scores, evaluations of programs and demographics. This information does not personally identify you to us, and it is not disseminated or sold to other organizations.
  • Any other websites 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 Life or Debt:Online © to only partner with and link to the most trusted sites on the Web. If you have concerns regarding other sites linked to or from our website, please contact us.

Visitors To Our Website: Life or Debt:Online © is generally provided to individuals by partner organizations that enroll individuals in Life or Debt: Online ©. MTN provides enrollment and completion information, demographic information provided by participants, and evaluation information to these partner organizations. Partner organizations utilizing Life or Debt: Online ©, are expected to offer protection to maintain their clients' privacy. If you're utilizing Life or Debt: Online © by referral from any other organization, you should examine the privacy policy of that organization.

Our Maintenance of Confidential Information: Although we don't maintain personally identifiable information about you, we do maintain physical, electronic and procedural safeguards to help prevent unauthorized access to information on our website.

Limiting Access to Information: We never share information with non-affiliated third parties, except when they are acting on our behalf or acting jointly with us. This includes companies that provide support services, such as technical systems consultants, programmers and others permitted by law.

With the exception of the information provided to partner organizations discussed above, MTN does not rent, sell or otherwise make available any personally identifiable information of any kind, ever. This web site does, however, contain links to other sites. Please be aware that we are not responsible for the privacy practices of such other sites.

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

Disclosing Our Privacy Commitment to You: We want you to understand our commitment to personal privacy and our use of information. We will periodically review the methods available for communicating our privacy policy and determine whether current practices are meeting the needs of our organization and our clients.

We reserve the right to change this Privacy Policy, along with related provisions, at any time.