Collection and the Use of Personal Information

CAP is committed to protecting your privacy.  We collect personal information, such as your phone number, to provide text messaging services for various purposes, including notifications, customer service and marketing communications. .  We collect information about you when you inquire about using any of our services, as part of us providing you with our service(s), or when you register an interest in supporting us. We will also collect information about you if you contact us to apply for a role working for CAP. Website usage information is collected using cookies. We will normally process your personal information on the basis that we have your consent to do so. We may also process some of your personal information on the basis that we believe there is a legitimate interest for us to do so.

Sharing of Personal Information

We do not share, sell, or disclose your personal information to third parties without your explicit consent, except where required by law.  Your information is kept confidential and used solely for the purposes you have agreed to.  

If you are a client, we will obtain your consent to share your information with third parties so that we can provide you with our service – for example, by sharing debt counseling clients’ information with their creditors. We will not share any information we hold about you to others without your prior consent, unless one of the following exceptions apply:

• If it is necessary for law enforcement or similar purposes;
• For the legitimate interest of reviewing the quality of our services – for example a State Licencing body, a credit counseling Trade Association or a quality mark association (i.e. Better Business Bureau, ISO 9001 etc). This includes information we hold about you, to ensure we are complying with their rules;
• As a necessary part of providing you with our service(s) or contacting you as a supporter - for example, by using a third party mailing house to process our communications;
• As a necessary part of ensuring we comply with our legal obligations - for example, by using a third party to migrate data or ensure it is accurate and up-to-date;
• We may collect information that you make available on, for example, Twitter, Facebook, Linkedin or similar organisations. You may wish to check their privacy policy to find out more information on how they will process your data.

Opting Out of Text Messages

You have the right to opt out of receiving text messages from CAP at any time.  To opt out, you can reply "STOP" to any text message your receive from CAP.  Alternatively, you can contact our customer service team directly requires removal from our text message list.  CAP can be contacted by calling 331-215-9067.  

Consent and Opt-in

By providing your phone number and opting in to receive text messages, you consent to the collection and use of your personal information as described in this policy.  CAP ensures that your consent is obtained explicitly, and your are informed about the types of messages you will receive.  

Why do we collect this information?

Clients – we will initially use the information we collect from you to contact you to arrange an appointment, to provide you with details of our services in your area, or to enable you to use our online budgeting tool. We will then use your information to provide you with any service(s) we have agreed with you. As a faith-based charity, we may offer you our support through prayer, so we will record whether you are happy for us to do this so we can make sure we respect your wishes.

For Debt Help clients, we will use your financial information to advise you about how to deal with your debts and we may contact your creditors to make payment arrangements with them. For clients of other services, we will use your information to remain in contact with you for support, and record your ongoing progress.

We may use our clients’ information for the following legitimate interests: to contact you with information about other free services CAP offers that may be suitable for you, or to invite you to take part in research and feedback in relation to our services. We may also contact you to invite you to any free events (for example, client breaks) that we may run from time to time, if we consider that they might be suitable for you.

Supporters – we will use the information we collect from you, including your level of interest, support for us and location, to tell you more about our work. We will also thank you for your support, and invite you to continue to support us. We may also use your information to invite you to fundraising or other events, or to ask if you would be able to increase your support. We will also process your information on the basis of our legitimate interest to improve our fundraising strategies. This will include analysing the information we collect about you and using publicly available information to aid our understanding of our supporters, understand the level of potential donations, profile supporters into categories and help provide a personalised service to you on our website content and emails.

Job applicants – we will use the information we collect from you to process and consider your application for a role at CAP. Your information will only be shared with our Human Resources department and other CAP staff who will be involved in the selection and recruitment process. We will only request a reference or other legal disclosure with your prior consent.

Phone calls – we may record both inbound and outbound phone calls on the basis of our legitimate interest in monitoring our service and training our staff. If there is a dispute or misunderstanding about what was said during a telephone call, we may use call recordings to help clarify the contents of conversations we have had.

CCTV – our Head Office may operate CCTV cameras for the purpose of safeguarding the safety of our staff, visitors and property. We use these images on the basis of a legitimate interest in the prevention, investigation and detection of crime and for the prosecution of any offenders.

Market research and demographic data – We have a legitimate interest in ensuring we continue to improve, and we may use your contact details to contact you to ask for your comments and opinions on how we might improve and develop our services. We may also use your information to study and better understand the composition of our client and supporter base.

Corporate communications  – We have a legitimate interest in building strong relationships with external companies that operate in sectors that we work in, and may store and use details of contacts at these companies to send regular communications. Any regular e-mail communications sent will include an unsubscribe link, and we will remove contact details on request.

When do we transfer your information out of the USA?

We will normally keep your information in the USA, but may transfer your information to other countries that have appropriate safeguards in place – for example, processors based in the European Union, where they are certified to the EU-US Privacy Shield. In particular, we may host your data on G-Suite servers operated by Google LLC which conform to the standards of the EU-US Privacy Shield.

What information does our website collect?

Our website may record some of your personal information, for example, by logging your IP address or the location of your computer or network. It may also record information about you that you enter into online forms. Other data may be collected anonymously about your use of our site from cookies. Cookies are small text files that are placed on your computer by websites that you visit. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit allaboutcookies.org. We may use cookies:

• To establish the needs of visitors and customise the content of our website;
• To process any forms, requests or applications you send;
• For internal administration and analysis.

Our website contains links to other websites. This privacy policy only applies to this website so when you link to other websites you should read their own privacy policies.

How can you contact us?

Please contact us if you have any questions about our privacy policy or information we hold about you. Debt help clients should contact their caseworker team directly on the contact details we have provided. Others may contact us:

By email: If you are a supporter, please contact [email protected]