Private Policy

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Privacy Policy:

Golden Financial Services is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the https://nomorecreditcards.com website and governs data collection and usage.  By using the https://nomorecreditcards.com website, you consent to the data practices described in this statement.

Golden Financial Services recently updated this private policy page for nomorecreditcards.com to comply with Section 22575 of the Business and Professions Code, including details on how the operator responds to Web Browser “do not track” signals and other mechanism’s related to the collection of personally identifiable information.

Children Under the Age of 13

Our Site is not intended for children under 13 years of age. No one under age 13 may provide any information to or on the Site. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Site or provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at support@goldenfs.org.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Site, including information:

  • by which you may be personally identified, such as name, postal address, e-mail address or telephone number (“personal information”);
  • that is about you but individually does not identify you, such as your company name and job title; and/or
  • about your internet connection, the equipment you use to access our Site and usage details.

We collect this information:

  • Directly from you when you provide it to us.
  • Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses and information collected through cookies and other tracking technologies.
  • From third parties, for example, our business partners.

Golden Financial Services collects personally identifiable information, such as your e-mail address, first and last name, home or work address or telephone number only if a person provides that information.  Golden Financial Services also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.  Nomorecreditcards.com does not collect a person’s social security number.
There is also information about your computer hardware and software that is automatically collected by Golden Financial Services.  This information can include: your IP address, browser type, domain names, access times and referring Web site addresses.  This information is used by Golden Financial Services for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the https://nomorecreditcards.com Website.

Note:  https://nomorecreditcards.com does not read any of your private online communications.

Information You Provide to Us

The information we collect on or through our Site or Service may include:

  • Information that you provide by filling in forms on our Site. This includes without limitation information provided at the time of filling out our web form.
  • Records and copies of your correspondence (including e-mail addresses), if you contact us.
  • Your responses to surveys that we might ask you to complete for research purposes.
  • Your search queries on the Site.

You also may provide information to be published, displayed or transmitted (hereinafter, “posted”) on public areas of the Site, or transmitted to other users of the Site or third parties (collectively, “Interactive Content”). Your Interactive Content is posted on and transmitted to others at your own risk; we cannot control the actions of other users of the Site with whom you may choose to share your Interactive Content. Therefore, we cannot and do not guarantee that Interactive Content will not be viewed by unauthorized persons.
Golden Financial Services encourages you to review the privacy statements of Web sites you choose to link to from https://nomorecreditcards.com so that you can understand how those Web sites collect, use and share your information.

Golden Financial Services is not responsible for the privacy statements or other content on Web sites outside of the https://nomorecreditcards.com and Golden Financial Services family of Web sites.
Use of your Personal Information:
Golden Financial Services collects and uses your personal information to operate the https://nomorecreditcards.com Web site and deliver the services you have requested.

Golden Financial Services may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.  Golden Financial Services may also contact you from time to time via your email address to provide you with a variety of information, including weekly wrap ups, newsletters, bulletins and similar information.

Golden Financial Services does not sell, rent or lease its customer lists to third parties.

Golden Financial Services may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, Golden Financial Services may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries.

All such third parties are prohibited from using your personal information except to provide these services to https://nomorecreditcards.com, and they are required to maintain the confidentiality of your information.

Golden Financial Services does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

Golden Financial Services keeps track of the pages our customers visit within https://nomorecreditcards.com, in order to determine what services are the most popular.  This data is used to deliver customized content and advertising within https://nomorecreditcards.com to customers whose behavior indicates that they are interested in a particular subject area.
Golden Financial Services Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on https://nomorecreditcards.com or the site; (b) protect and defend the rights or property of Golden Financial Services; and, (c) act under exigent circumstances to protect the personal safety of users of https://nomorecreditcards.com, or the public.

Usage Details, IP Addresses And Cookies and Other Technologies

As you navigate through and interact with our Site, we may automatically collect certain information about your equipment, browsing actions and patterns, including:

  • Details of your visits to our Site, including traffic data, location data, logs and other communication data and the resources that you access and use on the Site.
  • Information about your computer and internet connection, including your IP address, operating system and browser type.

The information we collect automatically is statistical data, and does not identify any individual. It helps us to improve our Site and Service and to deliver better and more personalized future services by enabling us to:

  • Estimate our audience size and usage patterns.
  • Store information about your preferences, allowing us to customize our Site according to your individual interests.
  • Speed up your searches.
  • Recognize you when you return to our Site.

The https://nomorecreditcards.com Website use “cookies” to help you personalize your online experience.  A cookie is a text file that is placed on your hard disk by a Web page server.  Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page.

When you return to https://nomorecreditcards.com, the information you previously provided can be retrieved, so you can easily use https://nomorecreditcards.com features that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of https://nomorecreditcards.com.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

  • To present our Site and its contents to you.
  • To provide you with information, products or services that you request from us.
  • To fulfill any other purpose for which you provide it.
  • To notify you about changes to our Site or any products or services we offer or provide though it.
  • To allow you to participate in interactive features on our Site.
  • In any other way we may describe when you provide the information.
  • For any other purpose with your consent.
  • We never sell your personal information or provide it to others for marketing purposes.

Disclosure of Your Information

We may collect and disclose anonymous and aggregated information about our users, and other information that does not identify any individual, without restriction for the purposes of product research, to improve our Service, and for other commercial purposes.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

  • Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.
  • Promotional Offers from the Company. If we have sent you a promotional e-mail, you may send us a return e-mail asking to be omitted from future e-mail distributions.

You may also send us an e-mail at support@goldenfs.org to request access to, correct or delete any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

If you delete your Interactive Content from the Site, copies of your Interactive Content may remain viewable in cached and archived pages, or might have been copied or stored by other Site users.

Your California Privacy Rights

California Civil Code Section § 1798.83 permits users of our Site that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an e-mail to support@goldenfs.org or write us at: 600 Palm Ave #221, Imperial Beach CA 91932.

Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure. All information you provide to us is stored on our secure servers behind firewalls.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Site, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of the Site. The information you share in public areas may be viewed by any user of the Site.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Site. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Site.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users’ personal information, we will notify you by e-mail to the primary e-mail address specified in your account and/or possibly through a notice on the Site home page.  You are responsible for ensuring we have an up-to-date active and deliverable e-mail address for you, and for periodically visiting our Site and this privacy policy to check for any changes.  Golden Financial Services will occasionally update this Statement of Privacy to reflect company and customer feedback.  Golden Financial Services encourages you to periodically review this Statement to be informed of how Golden Financial Services is protecting your information.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at support@goldenfs.org.  Golden Financial Services welcomes your comments regarding this Statement of Privacy.  If you believe that https://nomorecreditcards.com has not adhered to this Statement, please contact Golden Financial Services at support@goldenfs.org.

Security of your Personal Information:
https://nomorecreditcards.com secures your personal information from unauthorized access, use or disclosure.  https://nomorecreditcards.com secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure.

Your Choices/Opt-out

We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes. By providing information to Company 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:

600 Palm Ave #221, Imperial Beach, CA 91932

E-mail: underwriting@goldenfs.org

Phone: 1-866-376-9846

Golden Financial Services does not allow a third party to place advertisements on this site. 

We will use commercially reasonable efforts to promptly determine and remedy the problem.

Golden Financial Services owns this website and the debt relief blog located here.

The information on this site has been collected by Golden Financial Services, non profit consumer credit counseling companies and attorneys that have more than 10 years of experience in the debt industry.

Company Address:

600 Palm Ave

Imperial Beach

CA, 91932