Privacy Policy

Who We Are

Hi there! Welcome to ProCreditCounselor.com, your go-to spot for all things credit counseling. Our website address is simple enough: http://procreditcounselor.com. You’re here, so let’s talk about how we handle your data (spoiler alert: responsibly, but with a dash of flair).

Comments

When you leave comments on the site, we collect the info you provide (because, duh, we need it to post your comment), plus your IP address and browser info to keep the trolls and spam bots at bay.

Oh, and if you’re rocking a Gravatar profile, we’ll check with their service to see your gravatar pic. You can find their privacy policy here. Once your comment gets the green light, that profile picture will show up next to it like a badge of honor—or at least as proof you exist.

Media

Thinking about uploading an image? Great! But here’s a pro tip: make sure there’s no location data baked into the file (EXIF GPS). Why? Because sneaky internet sleuths could grab that info. Let’s keep your secret hideout, well, secret.

Cookies

Cookies are like little bits of data love we leave in your browser to make your life easier. For example:

  • Leave a comment? We’ll save your name and email in cookies so you don’t have to fill it out again. These hang around for a year.
  • Visit our login page? We’ll send over a temporary cookie to check if your browser can handle cookies. (It’s like a handshake, but for browsers.)
  • Log in? Congrats, you’ll get login cookies that stick around for two days—unless you click “Remember Me,” in which case they’ll stay for two weeks. Logout, and poof—they’re gone.

Edited or published something? You’ll get a cookie marking the post ID you worked on. It’s harmless and self-destructs in 24 hours.

Embedded Content from Other Websites

Sometimes we include cool stuff from other websites (videos, articles, etc.). When you interact with this embedded content, it’s like you visited that site directly. They might collect data about you, use cookies, and track your activity. We don’t control them, so play nice.

Who We Share Your Data With

If you request a password reset, your IP address will hop a ride with the reset email. Beyond that, your data stays right here where it belongs.

How Long We Keep Your Data

Left a comment? We keep it and its metadata forever (or until the end of time—whichever comes first). This way, we can approve your follow-ups without delay.

Registered users (if we ever allow that)? Your profile info is stored safely, and you can edit or delete it anytime (but sorry, usernames are locked in). Admins can see and edit it too because, well, they’re the admins.

Your Data Rights

Got an account or left comments? You can request an exported file of all the data we’ve got on you. Want it all erased? Ask away! Just note, some data might stick around for legal or security reasons. Rules are rules.

Where Your Data Goes

Comments may pass through an automated spam detection service to weed out the nonsense. If you’re a bot, beware—your spammy vibes won’t get far.

We may not take ourselves too seriously, but we take your privacy seriously. Thanks for trusting us with your data. Now go explore the site, learn about credit counseling, and take charge of your financial future. (Just don’t forget to clear your cookies once in a while!)