TERMS & CONDITIONS

American Financial Benefits Center (AFBC) is dedicated to protecting your privacy and providing you with the highest level of service. This Policy explains what AFBC does to keep information about you private and secure. This Policy covers only information that you provide to AFBC or that it obtains about you from companies that you have chosen to do business with. Please read this Policy carefully and contact us if you have any questions.

Personal Information We Collect


The personal information we collect about you comes from the following sources:

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Information we receive from you, such as your name, address, and telephone number, or other information that you provide to us over the phone or in documents or applications,
Information about your transactions, such as your account balances with your creditors, payment histories, account activity, and all other information that may be contained in your credit card statements or other reports relating to your debt, and
Information we receive from consumer reporting agencies and other sources, such as your credit bureau reports, collection agency reports or other communications, and other information relating to your payment histories, creditworthiness, annual income, or ability to satisfy your obligations.

We reserve the right to, and will, sell or transfer your personal information to third parties for any purpose in our sole discretion. We prohibit the sale or transfer of personal information to non-affiliated entities for their use without giving you the opportunity to opt-out except as follows: we may share or transfer your information with company to which you asked us to refer you, or that referred you to us. We may disclose such information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. We may also share your information with service providers that perform business operations for us, companies that act on our behalf to market our services, or others only as permitted or required by law, such as to protect against fraud or in response to a subpoena. We may also share or transfer our information in the event we transfer or sell your account or our business assets to another provider. Finally, by carrying out our services, we may disclose your information, as we see fit and as permitted by law, to your creditors, credit card companies, collection agencies, banks, and other entities and individuals specifically necessary to effect, administer and perform our services.

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Your Choices / Opt-out

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Except as discussed above, provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes. By providing information to AFBC you are consenting to the collection, use and disclosure of such personal information in the manner described in this privacy policy. We provide you the opportunity to withdraw your consent when such information is collected.

Such consent may be withdrawn by calling the telephone number provided below or may be done in writing/email and sent to our customer service department at the following physical address or email address:

American Financial Benefits Center
311 Professional Center Dr.
Suite 200
Rohnert Park, California 94928

How We Protect Your Information:

We train our employees to protect all customer information. We maintain physical, electronic and procedural controls that comply with government standards. We authorize our employees, agents and contractors to get information about you only when they need it to do their work with us. You can help to maintain the security of your online transactions by not sharing your personal information or password with anyone. Remember, no method of transmission over the Internet, or method of electronic storage, is 100% secure.

This Policy applies to current and former consumer customers. If you have any questions, please contact our organization at – AFBC, 311 Professional Center Dr. – Suite 200, Rohnert Park, California – 94928.

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Refund Policy

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American Financial Benefits Center (AFBC) offers a 100% Customer Satisfaction Guarantee. Customers have fourteen (14) days to cancel for any reason for a full refund. Thereafter, Customers may cancel at any time, for any reason, and AFBC will cheerfully refund the last payment with no questions asked.

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Release and Indemnity

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Customer agrees to hold AFBC and its officers, directors, employees, and agents harmless from any claim, suit, action or demand arising from AFBC materials and services provided to Customer. AFBC and its officers, directors, employees, and agents have no responsibility for, and Customer hereby releases and discharges them from, any and all claims, including but not limited to those arising from inaccuracies or omissions of information provided by Customer. Customer acknowledges that Customer has read and agreed to the AFBC Privacy Policy, which is hereby incorporated in this Agreement.