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If you have a $7,600 credit card balance with an 18% APR and only make 2% minimum payments, you'll need 53 years to pay off your debt. Total interest-$21,731!
Security Statement
This policy is effective as of August 1, 2005.
DMB Financial is committed to providing its clients with the most complete and up-to-date levels of service and security. The following statement discloses DMB Financial's practices as it pertains to administrative, logical, and physical security; and the use of confidential information. Please read the disclosure carefully; and do not hesitate to contact DMB Financial with any questions or concerns pertaining to our current practices.
Customer Information Protection
1. Administrative Protection
Employee access to consumer's non-public personal information is necessary to carry out our debt negotiation and settlement functions. Additionally, standards have been set to ensure that client information is safeguarded and is used solely for the purposes of carrying out our business. Each employee and workstation is identifiable by a unique username and password that enables him/her to log into the system. Passwords are required to be changed every 30 days. Senior management monitors employee network usage and Email and the misuse of consumer information is cause for dismissal or will result in the appropriate disciplinary action.2. Technological Security
DMB Financial maintains a back-up tape of the system, which is updated on a daily basis. From Monday through Friday, an incremental update is run, and once a week, a full back up of the server is run and Emailed off-site. As a result, in terms of information loss, a single week of data loss is a worst-case scenario. In addition, each computer workstation is equipped with real-time Norton Anti-Virus Protection and the Company's server is protected by a state-of-the-art firewall to reduce the risk of Internet Intrusion and Penetration.3. Physical Security
The facility that houses DMB Financial's operations is monitored by security cameras, alarms, and key card entry during non-business hours. A security guard monitors entrance and exit of all persons during business hours, and any visitors to the building are not allowed beyond the ground floor without being signed-in and admitted by a DMB Manager. The DMB Financial premises are locked during non-business hours and only designated senior managers hold keys for entry. In addition, each network station is locked and can only be accessed with a DMB employee username and password that is unique to that station.
Company Use of Financial Information
Given the nature and scope of DMB Financial's services, the use of customer personal information to perform business functions is necessary. DMB Financial uses this information solely for the purposes of successfully negotiating debt settlements, and will use due diligence when discussing personal information on behalf of its clients. DMB Financial will share non-public personal information to third parties whom DMB is directly dependent on for the purposes of debt settlement. These may include, but are not limited to; data processors, technical systems consultants, and creditors or credit agencies. DMB Financial does not share any client information with outside parties, marketers, or other sales companies pursuing distribution lists.
Opting Out
Although DMB Financial is not in the business of selling any client information, we do share our client information with the appropriate parties as needed to perform the functions outlined in our enrollment agreement although there is an option for all clients to "opt-out." Please be advised, however, that if a client chooses to "opt-out", DMB may no longer be able to offer the settlement agreements and services as outlined in our enrollment agreements. For more information, please contact a Client Services Representative to discuss this option.
These policies and practices are subject to change at any time. DMB Financial will notify all clients of any significant changes as required by law. This policy should override any previous statements regarding this subject matter.