Privacy Policy
Thank you for reviewing the DebtGuard Money Management Certification Program web site program, which is owned and operated by the Lighthouse Credit Foundation (LCF).
LCF highly recommends that you take a moment and review the contents within our privacy policy.
Information Provided to the LCF Web Site Program
Like most web servers on the Internet, our servers collect and store all of the information you input, such as your name, username, password, address, type of person you are and email address when you register for the DebtGuard Money Management Certification Program ("Program"). We use your information to identify you, your test scores and completion of the final exam for the Program. Our server also tracks your domain, and numerical internet address of the "host" computer (typically a computer belonging to your Internet Service Provider and not your personal computer) from which you access the Internet; the date and time you accessed our Program; the Internet address of the web page that you came from; the page you requested from our Program and the number of characters sent to your computer; and the information your web browser software sends as its so-called "User Agent," which typically identifies the browser software and may also indicate the operating system and type of CPU used in your personal computer. The logs are periodically summarized and analyzed in order to study Program usage over time and to perform other studies to help us improve the Program's organization, performance, and usefulness. We do not give, sell or transfer this information to any third party except as necessary to operate the Program website or to enforce our legal rights. The information you register in the Program may be edited, or deleted in its entirety, at the sole discretion of LCF.
Cookies
A "cookie" is a small file that a Web site transfers to your computer's hard disk allowing our server to "remember" specific information about your session. While visiting the LCF Program you may occasionally encounter a page that employs cookies to make it easier to use the dynamic features of our Program. The cookie and the information about your session will be destroyed automatically shortly after you close your browser-it is not permanently stored on your computer. You can set your browser to disable cookies or prompt you before a cookie is accepted. If you disable your cookies within your browser program, you may not be able to use certain pages and features within the LCF Program.
Electronic Mail
When you send us personal identifying information via e-mail (that is, in a message containing a question or comment, or by filling out a form that e-mails us this information); we use it to respond to your requests. We do not retain or distribute lists of e-mail addresses to any parties outside of LCF except as required by law or with your consent. In no event, do we distribute lists of e-mail addresses for commercial purposes. Electronic mail is not secure. Therefore, we suggest that you don't send personal information to us via email. We will only send you general information via email.
Links
Our Program contains links to other organizations. These web sites are not within our control and may not follow the same privacy, security or accessibility policies. Once you link to another site you are subject to the policies of that site.
Content Accuracy and Completeness
The authors have made every effort to provide and maintain accurate and complete study materials, testing and financial information within the LCF Program. The authors of the LCF Program are providing general financial information, not rendering legal, tax, accounting, or investment advice. The text and content within the LCF Program have been developed to help young adults understand finances.
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