Privacy Policy

This Privacy Policy applies to the database and the web site of 1 $ Wiser Consumer Education, Inc.

Our mailing address is
P.O. Box 191
Krum, TX 76249

We can be reached via email at or you can reach us by telephone at (972) 292-7279 or 800-496-2440.

1 $ Wiser Consumer Education, Inc. (1$W) considers your privacy to be of the utmost importance. 1$W gathers your personal information only for the limited purpose of identification verification as required by the United States Department of Justice when providing you with Federally mandated credit counseling and financial education. If you are taking the 1$W credit counseling course as a pre-requisite to filing either Chapter 7 or Chapter 13 bankruptcy, some of the personal information collected is required to meet those prerequisites. 1$W will not sell, share, use, or disclose any of your personal information to any third party without your consent, or unless required by law.

Please note that 1$W may share information about your account upon reasonable request by the United States Trustees Office as it relates to your counseling and/or bankruptcy.

Please note that if you signed up using an Attorney Code, or you have listed an attorney during your registration process, you are authorizing 1 $ Wiser Consumer Education, Inc. to allow your attorney to view your personal and account information.

For each visitor to our Web page, our Web server automatically recognizes no information regarding the domain or e-mail address.

We collect the e-mail addresses of those who communicate with us via e-mail, aggregate information on what pages consumers access or visit, user-specific information on what pages consumers access or visit, information volunteered by the consumer, such as survey information and/or site registrations, and payment information (e.g., credit card number and billing address).

The information we collect is used for internal review and is then discarded, used to improve the content of our Web page, and may be used to customize the content and/or layout of our page for each individual visitor. Information is disclosed when legally required to do so, at the request of governmental authorities conducting an investigation, to verify or enforce compliance with the policies governing our program, Website, and applicable laws or to protect against misuse or unauthorized use of our Website.

With respect to cookies: We use cookies to record session information, such as course sessions that consumers have completed, record user-specific information on what pages users access or visit, and record past activity at a site in order to provide better service when visitors return to our site .

If you supply us with your postal address on-line you will only receive the information for which you provided us your address.

Persons who supply us with their telephone numbers on-line will only receive telephone contact from us as required to complete their pre-bankruptcy filing credit counseling course or pre-discharge debtor education course.

With respect to Ad Servers: We do not partner with or have special relationships with any ad server companies.

From time to time, we may use customer information for new, unanticipated uses not previously disclosed in our privacy notice. If our information practices change at some time in the future we will post the policy changes to our Web site to notify you of these changes and we will use for these new purposes only data collected from the time of the policy change forward. If you are concerned about how your information is used, you should check back at our Web site periodically.

Upon request we provide site visitors with access to all information [including proprietary information] that we maintain about them, financial information (e.g., credit card account information) that we maintain about them, unique identifier information (e.g., customer number or password) that we maintain about them, transaction information (e.g., dates on which customers made purchases, amounts and types of purchases) that we maintain about them, communications that the consumer/visitor has directed to our site (e.g., e-mails, customer inquiries), contact information (e.g., name, address, phone number) that we maintain about them , a description of information that we maintain about them.

Consumers can access this information by writing to us at the above address.

Upon request we offer visitors the ability to have inaccuracies corrected in contact information, financial information, and transaction information.

Consumers can have this information corrected by sending us an e-mail at the above address.

With respect to security: We have appropriate security measures in place in our physical facilities to protect against the loss, misuse or alteration of information that we have collected from you at our site.

If you feel that this site is not following its stated information policy, you may contact us at the above addresses or phone number.


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