Privacy Policy and Terms and Conditions

About MMI

Money Management International (MMI) is a nonprofit company providing money management education, confidential budget, credit, and debt counseling, and debt repayment plans for both individuals and families. Our website is directed toward providing adults with accurate information and direction in their attempts to obtain competent financial counseling.

MMI understands the importance of your privacy on the Internet. That is why we believe it is important to let you know how we use the information collected through this website. The following is our policy regarding Internet privacy and usage.

MMI is continually researching and implementing the best reasonable security options available for protecting our data internally and over the Internet. In accordance with our standard security policy, information is not transferred to any third parties. Therefore, the security of your personal information is protected by MMI. Further, only authorized staff members have access to specific areas of consumer information


When you send confidential personal information to us, we require that a "secure session" first be established using Secure Socket Layer (SSL).

SSL was developed by Netscape Communications Corporation. SSL provides data security between application protocols such as HTTP (the protocol used by the Web) and the networking protocol TCP/IP. SSL sits between the network I/O and the data on your web server. SSL establishes a secure connection between the server and an SSL-capable browser then encrypts and decrypts information as it is sent and received. By encrypting messages, SSL can assure that transactions are private and that information has not been altered during transmission. SSL can also authenticate the server to the browser by providing the server's certificate to the browser. The browser must be capable of using the SSL protocol, including verifying certificates and encrypting and decrypting messages. Several browsers, such as Spyglass Mosaic, Internet Explorer and Netscape Navigator, support SSL. (the above text is from O'Reilly Web Site Professional Advanced Topics).

Be attentive to the following situations to ensure your confidentiality is not compromised on your end. Your privacy might be compromised:

  • if someone else has access to your computer, and is able to read email or files stored on your disk
  • if you print email to/from MMI on paper, and someone finds the paper
  • if you use a workplace computer - your employer has a legal right to read your email on that machine
  • if you accidentally make a mistake on the email address and send it to someone other than your MMI consultant
  • if someone obtains the password to your email account
  • if you talk about it to someone

Most people are perfectly satisfied with the safety of SSL technology. However, you are the only one who can determine your level of comfort - so if it isn't in your comfort zone, mail or fax your information to us.

Data Collection

You can visit our website without revealing any personal information about yourself or telling us who you are. We do not collect personal information, such as your name, address, phone number, or email address, while you browse. We do, however, gather information in aggregate on how this site is used, such as the number of visitors to the site, length of each visit, and which pages are most commonly used to enter and exit the site. Some areas of the MMI websites utilize browser cookies. These cookies are used for enhancing the usability of the website. You have the option of disabling cookies in your browser's preferences/options area (refer to your browser's help system for further explanation).

There are now, and will be, sections on the MMI website that are provided for the benefit of the consuming public. You may request consumer educational information or other services in these sections. For MMI to fulfill your request, you may need to provide us with your email address, regular mail address, or telephone number. Our use of that information will be to help you.

While on the website, you may voluntarily choose to complete our online courses. In that case, several types of personal information are gathered for use in your confidential counseling session with one of our certified counselors. Confidential information collected in the courses includes name, address, telephone number, social security number, employment information and creditor information, including account numbers. The information gathered will be used to determine the best solution to your financial situation. Specific uses of this information are:

  • To help complete requirements of the Executive Office of the United States Trustees
  • To contact you and to confirm your identity when you call us.
  • Demographic data is used for statistical studies (names are not used without specific written permission).
MMI does not sell, rent, loan, trade, or lease any personal information collected at our site, including Confidential Online Applications or email lists. All personal information is used solely by MMI as directed by the consumer.


MMI cannot and does not guarantee or warrant that files available for downloading through the site will be free of infection, viruses, worms, or other code that manifest contaminating or destructive qualities. You assume total responsibility and risk for your use of the site and the Internet.

Data Quality

All information submitted to MMI is transmitted via industry standard methods of data collection and transmittal. Our data storage devices are designed to accurately and safely store your data, thereby substantially minimizing the possibility of data corruption. If for any reason, you need to contact MMI for the purpose of correcting inaccurate data transmittal, contact us at


By using this website, you agree to our Internet Privacy and Usage Policy and to the use of the information we receive and collect as stated herein and in ways we may notify you of in the future. By providing any personal information to this site, you acknowledge that you fully understand and consent to the collection and processing of such information. We reserve the right at our discretion to modify this Internet Privacy and Usage Policy at any time. Your continued use of this site following the posting of changes to these terms means you accept these changes.

This provision shall not apply to actions or claims under the provisions of the United States Bankruptcy Code, 11 U.S.C. Sec. 101 et seq.

You agree to indemnify and hold MMI and its subsidiaries, affiliates, officers, agents, and employees, harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of the use of this site and courses.

Should you need to contact MMI regarding this site, please use the following contact information:

Money Management International
BK Site Administrator
14141 Southwest Freeway, Suite 1000,
Sugar Land, TX, 77478-3494

© Money Management International
14141 Southwest Freeway, Suite 1000, Sugar Land, TX, 77478-3494
Member of the National Foundation for Credit Counseling
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