Client Security
No matter which APFSC service you choose, you can rest assured that your privacy and personal information are well protected. Your trust means everything to us, and that’s why we take every possible measure to:
Protect Your Information
APFSC follows or surpasses all industry standards regarding the handling, transmission, and storage of client data. We have multiple safeguards in place to help prevent potential data breaches or consumer fraud.
Data Security
Your personal data is among your most valuable assets. We fully recognize the trust you place in APFSC by sharing that data with us. That’s why we want you to understand how seriously we take data protection. We continuously assess our systems and industry standards to ensure our clients and partners benefit from the most advanced data security available.
We Use SSL Technology to Encrypt Your Data
SSL, or “Secure Sockets Layer,” is a protocol that creates a secure connection between our server and any SSL-enabled browser, encrypting and decrypting data as it is exchanged.
Through encryption, SSL ensures that transactions remain private, and that information remains unaltered in transit. SSL also authenticates the server to the browser by providing the server certificate, which the browser must verify using the SSL protocol, including encryption and decryption capabilities.
Play Your Part in Protecting Your Data
Even a small mistake can put your personal data at risk. Data security is a shared responsibility, and it’s essential that you do your part to help keep your information secure.
- Keep your passwords private
Avoid sharing your passwords with others. - Change your passwords regularly
Update them frequently to maintain account security. - Avoid using public or unsecured Wi-Fi for sensitive tasks
Refrain from sending personal data over public networks. - Be careful with what you share on social media
Limit the amount of personal or identifying details you post. - Properly wipe and recycle old devices
Clear all data before recycling electronics.
Protect Your Privacy
We are fully transparent about how we collect and use your personal information. Your information is never shared with third parties and is only collected with your explicit consent.
Internet Privacy & Usage Agreement
We respect your privacy and are committed to transparency about how we monitor your interactions with APFSC’s digital platforms, including our website and app, and how we handle any information you choose to provide.
- Information is not shared with third parties unless you request it.
- The security of your personal data is solely protected by APFSC.
- Only authorized staff have access to sensitive consumer information.
- APFSC follows strict guidelines to restrict and secure access to client data.
Visit our Security section to learn more about the steps we take to protect your sensitive information.
Collection and Use of Personal Information
We do not gather personal details like your name, address, phone number, or email while you browse apfsc.org or any other APFSC-managed online platforms. However, we do collect data on how our online services are used, such as the number of visits, duration of visits, and the most common pages where users enter and exit our websites or apps.
Certain parts of APFSC’s online platforms use tools like browser cookies to improve the client experience. If you prefer, you can disable cookies within your browser settings.
Several areas of the APFSC website are designed to serve the public. In these sections, you may request consumer education materials or other services. To fulfill such requests, we may ask for your email address, mailing address, or phone number. Any use of that information will follow what is stated on those pages.
If you decide to pursue financial counseling through APFSC, you may voluntarily fill out all or part of our online counseling form. This form may collect different types of personal information to support your confidential session—such as your name, address, phone number, social security number, job details, and creditor data, including account numbers. The specific purposes of this information may include:
- Identifying your accounts with your creditors
- Contacting you and confirming your identity when you call
- Reaching out to and negotiating with your creditors
Demographic data may also be used in statistical reports, but your name will not be included without your express permission.
APFSC does not sell, rent, loan, trade, or lease any personal data collected through this or any of its online platforms. All personal information is used solely by APFSC, and only with consumer consent.
To enhance advertising quality, APFSC’s online services may permit Google to recognize a short data file (known as a cookie) previously saved to your computer. This cookie contains no personal data (e.g., name or contact info). For more on Google’s privacy practices, please refer to their policy.
Text Messaging
Mobile information will never be sold or shared with third parties or affiliates for promotional or marketing purposes. All categories listed above exclude any opt-in data and consent related to text messaging; this information will not be disclosed or sold to third parties under any circumstances.
Downloads
American Pacific Financial Services Corp makes no guarantees or warranties that files available for download through APFSC’s online platforms are free of viruses, worms, or other harmful code. Use of any apps, websites, or the Internet is entirely at your own risk and responsibility.
Data Quality
All data submitted to APFSC is collected and transmitted using industry-standard methods. Our data storage systems are structured to safely and accurately retain your information, significantly reducing the risk of data corruption. If you need to correct any inaccurately transmitted data, please reach out to us at [insert contact information.
Agreement
By accessing our online services, you consent to APFSC’s Internet Privacy and Usage Policy, and the use of your personal data as explained in this policy and in any future updates. By submitting your information, you confirm your understanding and agreement to its collection and processing. APFSC reserves the right to modify this policy at any time. Continued use of our online services indicates your acceptance of any updates to these terms.
Protect Your Rights as a Consumer
At APFSC, every client is valued and treated with dignity and fairness. To uphold this, we maintain a Client Bill of Rights for every individual we serve.
Client Bill of Rights
We affirm that our clients have the right to:
- Receive prompt money management counseling based on their unique financial situation
- Be treated with dignity and respect
- Actively participate in a full assessment of their finances, including an action plan
- Express dissatisfaction through our problem resolution process
- End their relationship with APFSC at any time
- Ask questions and have all concerns addressed
American Pacific Financial Services Corp, Inc. welcomes and serves all members of the community. We do not discriminate in offering or delivering our programs and services on the basis of race, color, creed, religion, gender, marital status, national origin, ancestry, age, disability, workers’ compensation status, veteran status, affectional or sexual orientation, gender identity or expression, or any characteristic protected by applicable federal, state, or local law.
Problem Resolution Process
We are dedicated to delivering high-quality, professional service. We recognize that on occasion, you may experience concerns regarding the services you receive. Our counseling team is ready and equipped to help you resolve those issues. To support that, we’ve established the following steps:
Reach out to your counselor at the first sign of concern. Your counselor will work with you to research and find a suitable resolution.
If you are not satisfied with the help provided by your counselor, please don’t hesitate to contact a manager using any of the three contact methods listed below.
If your concern remains unresolved, you may escalate the issue to a counseling director through one of the contact options below. The director will deliver a final decision within 10 days.
Contact Methods
Phone
Call 800-682-4007, press option 3, and ask the operator to connect you with a manager or director who can assist with your case. If the appropriate person is unavailable at that time, a manager or director will respond within 2 business days and continue working with you until your concerns are resolved.
Email
Send your concern to compliance@apfsc.org, and it will be addressed promptly.
Mail
You may also write to us at:
American Pacific Financial Services Corp
Attn: Client Concerns
30021 Tomas, Suite 300
Rancho Santa Margarita, CA 92688
Fast and Fair Resolutions
We understand that sometimes things don’t go as expected, and you may be disappointed by some aspects of our services. In such situations, we have structured procedures in place to ensure your concerns are addressed and resolved as quickly as possible.