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 Monday

 

Q. What is the difference between a Debt Settlement Program and Debt Management Plan (DMP)? 

 

A:
Debt Management

 

In a debt consolidation programs, also known as a Debt Management Plan (DMP), you pay back 100% of your debt plus interest. Interest is commonly reduced to the 8% to 10% range. Additionally, Most Debt Management Companies have a monthly service fee tacked on to your monthly payment. Most people pay back about 130% of their debt over 5 to 6 year period. Debt Management has a moderate affect on a good credit file and will improve most poor credit files.

 

Debt Settlement

 

In a Debt Settlement program, most pay back an average of 40-50% of their total debt, including all agency fees as well as accruing fees and interest. This 40-50% figure is based on your starting balances. 

 

In some cases, where a client has very challenging creditors combined with a good income, liquid assets, etc., Certified Debt Specialists may end up with what they consider to be a less than perfect result and pay back may be in the 60% range. This is still a substantial savings for most clients and proves to be an effective program.  

 

Also, the contrary is true. Certified Debt Specialists often are able to obtain total settlements including fees in the 40% range when the factors are just right.  

 

Most clients are able to liquidate their debt in 2 to 3 years vs. 5 to 6 years in the DMP and the monthly payment is commonly smaller than a Debt Management Payment for the same debt.  

 

Debt Settlement has a major impact on good credit but will improve credit for people that are 6 months or more past due. This improvement in credit profile is caused by bringing outstanding balances down to a ZERO balance.