Privacy Policy
0001 Nationwide Bankruptcy Classes
Effective Date: May 26th, 2026
0001 Nationwide Bankruptcy Classes (“Agency,” “Provider,” “we,” “our,” or “us”) is committed to protecting the privacy and confidentiality of individuals who use our credit counseling and debtor education services. This Privacy Policy explains how we collect, use, disclose, store, and protect personal information in connection with our website, budget and credit counseling services, and personal financial management instructional courses.
This Privacy Policy applies to services provided through:
1. Services We Provide
The Agency provides:
- budget and credit counseling services required under 11 U.S.C. § 109(h),
- personal financial management instructional courses required under 11 U.S.C. § 111,
- financial education services,
- and related certificate issuance services.
The Agency is not a law firm and does not provide legal advice, legal representation, or legal services.
2. Information We Collect
In connection with counseling services, instructional courses, and certificate issuance, we may collect personal information including:
Personal Identification Information
- full name,
- mailing address,
- email address,
- telephone number,
- date of birth,
- bankruptcy district,
- court-related information.
Financial Information
- household income,
- expenses,
- assets,
- liabilities,
- creditor information,
- employment information,
- banking or payment information,
- hardship information,
- and financial goals.
Course and Counseling Information
- counseling session records,
- instructional course progress,
- certificate completion records,
- intake questionnaires,
- financial analyses,
- communications with counselors,
- and acknowledgments or disclosures.
Technical Information
- IP address,
- browser type,
- device information,
- login activity,
- cookies,
- and website usage information.
3. How We Use Information
We may use personal information to:
- provide counseling services and instructional courses,
- perform budget and financial analyses,
- issue certificates of completion,
- process payments and fee waiver requests,
- communicate with debtors regarding services,
- comply with applicable federal regulations,
- maintain records required by law,
- improve website functionality and security,
- investigate complaints,
- and conduct internal quality assurance reviews.
4. Disclosure of Information
The Agency does not sell debtor information to third parties.
We may disclose personal information:
- to service providers assisting with website hosting, payment processing, learning management systems, or technical support,
- when required by law,
- in response to lawful court orders or governmental requests,
- or in connection with oversight activities by the United States Trustee Program.
Pursuant to federal regulations, the Agency may disclose debtor information to the United States Trustee in connection with:
- oversight activities,
- investigations of complaints,
- on-site visits,
- audits,
- or quality of service reviews.
5. Confidentiality and Security
The Agency maintains administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, misuse, or alteration.
Access to debtor information is limited to authorized personnel and service providers who require access to perform legitimate business or regulatory functions.
While we use reasonable safeguards to protect information, no method of electronic transmission or storage is completely secure, and the Agency cannot guarantee absolute security.
6. Cookies and Website Technologies
The website may use cookies and similar technologies to:
- maintain user login sessions,
- improve website performance,
- remember user preferences,
- analyze website traffic,
- and enhance user experience.
Users may disable cookies through browser settings; however, some portions of the website may not function properly without cookies enabled.
7. Third-Party Services and Embedded Content
The website may use third-party services including:
- payment processors,
- learning management systems,
- form submission services,
- analytics providers,
- email providers,
- and video hosting platforms.
Embedded content from third-party websites may collect data in accordance with the privacy policies of those providers.
The Agency is not responsible for the privacy practices of third-party websites or services.
8. Record Retention
The Agency maintains counseling records, instructional course records, certificates, and related documentation in accordance with applicable federal laws and regulations governing approved credit counseling agencies and debtor education providers.
Records may be retained for the period required by law, regulation, audit requirements, or legitimate business purposes.
9. Fee Waiver Information
Information submitted in support of fee waiver or reduced-fee requests may be used solely for evaluating eligibility for financial assistance and complying with applicable regulatory obligations.
Reasonable documentation may be requested to verify income or financial hardship.
10. User Accounts and Course Access
Users who register for counseling services or instructional courses may create an online account. Account information may be used to:
- access courses,
- track course completion,
- retrieve certificates,
- and manage communications.
Users are responsible for maintaining the confidentiality of login credentials.
11. Communication Preferences
The Agency may contact users regarding:
- counseling services,
- course enrollment,
- certificate issuance,
- payment matters,
- technical support,
- compliance-related notices,
- or service updates.
Users may opt out of non-essential communications where permitted by law.
12. Your Rights Regarding Personal Information
Subject to applicable law, users may request:
- access to personal information,
- correction of inaccurate information,
- or deletion of information not required to be retained by law.
Certain information may be retained as necessary for:
- regulatory compliance,
- recordkeeping obligations,
- fraud prevention,
- security purposes,
- or legal requirements.
Requests may be submitted using the contact information below.
13. Children’s Privacy
The website and services are intended for adults seeking bankruptcy-related counseling or educational services and are not directed toward children under the age of 18.
14. Complaint and Regulatory Information
Questions or complaints regarding privacy practices or services may be directed to the Agency using the contact information provided on the website.
Complaints regarding approved credit counseling or debtor education services may also be directed to:
Executive Office for United States Trustees
United States Department of Justice
441 G Street, NW, Suite 6150
Washington, DC 20530
Telephone: (202) 307-1399
15. Changes to This Privacy Policy
The Agency may update this Privacy Policy periodically to reflect operational, legal, or regulatory changes.
Updated versions will be posted on the website with a revised effective date.
16. Contact Information
0001 Nationwide Bankruptcy Classes
10409 Pacific Palisades Ave Las Vegas, NV 89144 USA
nationwidebankruptcyclasses@gmail.com
1 (650) 380 8621
