Our Privacy Policy

 

This Privacy Policy lets you know how your personal information is processed and used. We will take all steps to use your personal information only in ways that are compatible with this Privacy Policy. The following policies are only in effect for the Web pages and opt-in announcement lists owned and operated by The IAPDA and Arbitrain Training Systems ("Arbitrain").

 

Information Collected

Computers connected to the Internet are given a domain name and a set of numbers, serving as that computer's "Internet Protocol" IP address. When a visitor requests a page from any Web site within the IAPDA/Arbitrain Domain, our Web servers automatically recognize that visitor's domain name and IP address. The domain name and IP address reveal nothing personal about you other than the IP address from which you have accessed our site. We use this information to examine our traffic in aggregate, but do not collect and evaluate this information for individuals. Our Web servers do not record e-mail addresses of the visitors.

 

Cookies

From time to time, The IAPDA and Arbitrain or its advertisers may send a "cookie" to your computer. A cookie is a small piece of data that is sent to your browser from a Web server and stored on your computer's hard drive. A cookie can't read data off your hard disk or read cookie files created by other sites. Cookies do not damage your system. This information is collected to identify your account with the source of advertising that brought you to the site.

 

You can choose whether to accept cookies by changing the settings of your browser. You can set your browser to refuse all cookies, or allow your browser to show you when a cookie is being sent. If you choose not to accept these cookies, your experience at our site and other Web sites may be diminished and some features may not work as intended.

 

Other Information Collected

We may also request your e-mail address or mailing address for the purposes of providing additional services (for example, subscriptions to e-mail articles or announcement lists). Whenever we request the identity of a visitor, we will clearly indicate the purpose of the inquiry before the information is requested. We maintain a strict "No-Spam" policy that means that we do not intend to sell, rent, or otherwise give your e-mail address to a third-party, without your consent.

 

In addition, The IAPDA and Arbitrain will not send e-mail that you have not agreed to receive. We may from time to time send e-mail announcing new products, pricing and services.

If you are purchasing something from The IAPDA and Arbitrain through our Merchant Services providers, you will asked to provide your name, e-mail address, mailing address, credit card number, and expiration date.

This allows us to process and fulfill your order and to notify you of your order status. This information may also be used by us to notify you of related product and services. Credit card and e-mail information will not be shared or sold to third parties for any purpose without your express permission.

 

Security

All data collected on our secure product order forms will be encrypted for your security and privacy.

The IAPDA and Arbitrain uses all reasonable precautions to keep the information disclosed to us secure. Furthermore, we are not responsible for any breach of security or for any actions of any third parties that receive the information. The IAPDA and Arbitrain may also link to a variety of other sites or contain advertisements of third parties. We are not responsible for their privacy policies or how they treat information about their users. The IAPDA and Arbitrain does not share any of the individual personal information you provide us with the sites to which we link.

Ultimately, you are solely responsible for maintaining the secrecy of your personal information. Please be careful and responsible whenever you're online.

 

Third Parties

The IAPDA and Arbitrain will disclose personal information when required by law or in the good faith belief that such action is necessary to:

Conform to the edicts of the law or comply with a legal process served on The IAPDA and Arbitrain;
Protect and defend the rights or property of the The IAPDA and Arbitrain domain, or visitors to The IAPDA and Arbitrain;
Identify persons who may be violating the law, the legal notice, or the rights of third parties;
Cooperate with the investigations of purported unlawful activities.

 

Consent to Agreement

By using our Web site, you consent to the collection and use of information by The IAPDA and Arbitrain as specified above.

 

 

 

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Our Featured Question & Answer of the Day For Tuesday

 

Q. Is Debt Settlement like Bankruptcy?

 

A: There is a major difference between Debt Settlement and Bankruptcy in many areas. Chapter 7 Bankruptcy remains on your credit report for a minimum of 10 years, whereas your charged-off accounts (the derogatory accounts) may remain on your credit file for only 7 years. Sometimes, these may be removed by a competent credit repair firm earlier. But be advised that most credit repair companies will just take your money and not deliver the promised results.

 

Never enter a Debt Settlement program, under the assumption that you will get the negative accounts removed in less than 7 years. To be safe, base your decision on the 7 year rule, then, if you are successful in removing negative accounts earlier, it will just be frosting on the cake. 

 

Bankruptcy reporting on your credit file may also affect other areas of your life. Bankruptcy is a PUBLIC RECORD. Most counties report recent bankruptcies in the newspaper every month or every quarter. The is also a publication that most lenders subscribe to the provide them all the recent filings. Bankruptcies filings can be found at the county registry as it is considered public information.

 

So its important to understand that a bankruptcy is not easy to hide from and is considered public information.Most employers pull credit files on potential candidates. It is likely that the candidate without bankruptcy will have a better chance at the position. Additionally, some employers will not hire an individual with a bankruptcy on their credit file, period. Lastly, some positions will absolutely exclude a candidate with a bankruptcy. This is especially true for security jobs, high level management jobs, jobs at banks and financial institution and many other types of positions.

 

Bankruptcy can also cause issues with renting. Many landlords will not rent to individuals with a bankruptcy file. While, landlords cannot discriminate, they may legally not rent to someone based on their credit profile.

 

Bankruptcy can also exclude you from loans in the future. While its true that some creditors will grant credit after a person files bankruptcy, (although there is typically a waiting period) some creditors will not grant a loan to anyone with a bankruptcy on their credit file. Most loan applications ask if you have filed bankruptcy in the past 10 years, and some actually ask if you have ever filed for bankruptcy. Although the question – have you ever filed for bankruptcy may not be a lawful question, nonetheless, if you do not answer it, it will raise a red flag and if you answer “no” you will not be truthful.

 

No matter how you cut it, bankruptcy can affect many areas of your life and should be avoided at all cost. It should be your last resort. You should not file bankruptcy until all your options have been exhausted or at the very least explored. Unless you have come to the decision that you have no other viable options.