We take the privacy and security of your NPPI seriously and believe it is important that you understand:
We collect the following categories of NPPI: (i) information you provide such as your contact information; (ii) information about your transactions with us or our affiliates; (iii) information about your transactions with non-affiliated third-parties to whom your information is disclosed by us to fulfill a transaction you request, such as obtaining a personal loan or credit card; and (iv) information obtained from any consumer reporting agency, such as your credit history.
No NPPI information that identifies a customer or former customer is revealed in the collection and use of traffic data. Consequently, we do not adjust or alter our website’s automatic tracking and data collection in response to a Do Not Track signal or request. We believe we can offer customers a more personalized experience when visiting our website when we are able to retrieve data from a customer’s previous activity on our website. We do share anonymous traffic and transactional information with our affiliates and service providers on an aggregate basis for marketing, accounting and site-optimization purposes.
Non-public personal information
NPPI includes: (i) any information you provide to obtain a financial product or service; (ii) about you resulting from any transaction involving a financial product or service; or (iii) that we otherwise obtain about you in connection with providing a financial product or service that you request. This type of information does not include information that is collected anonymously or for the purpose of tracking movement on our website. In order for you to access many of the products and services offered through this site, you will be required to provide us with NPPI such as:
This information is used to identify you, complete your requests for financial products or services, facilitate requests for other products or services, and for customer service fulfillment.
Categories of information we disclose
Credit.com may disclose the NPPI we collect about you, described above, to our affiliates or non-affiliated third-parties, as described below, and as otherwise permitted by law.
Selected NPPI, such as your Social Security number, driver’s license number, bank account or routing number, and debit or credit card numbers, expiration dates and security codes are immediately encrypted.
Why we need your e-mail address
We use your e-mail address to:
Credit.com has a zero tolerance policy for e-mail abuse. If you receive unsolicited e-mails from Credit.com please report it to us at email@example.com. We are not responsible for communications you may receive from non-affiliated third-parties.
We will never ask you to provide NPPI in an e-mail. DO NOT RESPOND to an e-mail that appears to be from us requesting NPPI. Contact us immediately at firstname.lastname@example.org.
We do not store e-mail addresses from correspondence sent to us. If you contact us by e-mail we will respond by email. Credit.com will not use or store your email address in our database from such correspondence.
What choices you have regarding the use of your information
E-mail correspondence. You may opt-out of e-mails in one of two ways:
When you unsubscribe, you will receive an e-mail confirming your decision to opt-out.
Confirmations. You may not opt-out of these e-mail messages. They are designed to confirm your identity and your decision to enter into a transaction. Confirmation emails often contain important instructions about your transaction. If you do not wish to receive this confirmation e-mail do not sign up for services or products on this website.
Your access to identifying non-public personal information
If you want to change or delete your identifying NPPI, including your e-mail address, or if you no longer are interested in a service found on this website, you may correct, update, delete or deactivate your identifying NPPI by contacting the non-affiliated third party that processed your request. Information entered on the Credit.com website will be automatically updated each time you apply for a new or different service.
Credit.com reserves the right to disclose your NPPI, including your e-mail address without your consent:
Important note regarding non-U.S. users and U.S. law
The laws and regulations of different countries and states impose different (and even conflicting) requirements on data protections and the use of the Internet. Credit.com is located in California, in the United States of America, as are the servers that make this web site available worldwide. The laws of the State of California and, the United States of America, govern all matters relating to this web site. If you provide information while using this site, you will be deemed to have authorized the transfer of your information to our servers in California.
We do not knowingly solicit information from children or send them requests for information. Although there are links to other sites that may offer services to persons under the age of 18, Credit.com does not offer any services for person under the age of 18.
Privacy policies and non-affiliated third-parties
Your use of this web site
Protect and verify your identifying non-public personal information
We urge you to take adequate precautions to protect your identifying NPPI, both on and off the Internet. (To learn more go to: http://onguardonline.gov/index.html).
If you have questions or concerns regarding this policy, contact customer service by e-mail at email@example.com, or by mail. If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe at http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will then serve as a liaison with the Web site to resolve your concerns.
Credit.com also maintains and enforces strict internal policies to protect NPPI from unauthorized access by employees or third-parties.
Terms Used in This Statement
Some of the companies that offer products or services via our web sites, and some of the companies that send visitors to our web site pass cookies to your computer. Please be aware that we have no control over cookies passed to you from other companies’ sites.
If you request information or purchase a product or service, you will be requested to enter NPPI on our web site. Selected NPPI is linked to the cookie stored on your computer so it will be easier for you to complete a transaction on your next visit to our web site. If you complete another transaction, you may have to re-enter selected NPPI which is not linked to cookies stored on your computer.
Credit.com uses encryption to secure selected NPPI such as Social Security numbers, drivers license numbers, and credit card data. Encryption is a way to scramble data to make it unreadable to anyone other than the intended recipient. If it is intercepted by a third-party while traveling over a network it cannot be read. Only the persons sending and receiving the encrypted data have a key to unscramble the data and make it readable. Encryption provides privacy for email, discussion group postings, and other communications as they move over networks. Credit.com uses industry standard SSL, AES and RSA encryption.
Secure Sockets Layer
Secure Sockets Layer is the industry standard method for protecting web site communications by encrypting information thus making it unreadable to anyone except the holders of the keys used to read the information. Credit.com uses the SSL protocol to capture selected NPPI, such as your credit card numbers via the Internet.
A SSL Certificate binds an entity to a pair of electronic keys that can be used to encrypt and sign digital information. A SSL Certificate makes it possible for you to verify that we have the right to use a given key, helping to prevent others from using phony keys to impersonate us. For more information about our certificate, click on the VeriSign® logo.
Third Data Sources
We use third-parties to verify the integrity of selected NPPI you provide so we can confirm your identity.
A web beacons is a tracking marker that is placed within a web page or in an e-mail message. Web beacons are invisible to your eye, and are used to monitor a computer which is accessing a particular web page or e-mail message and transfer the data to a server. Credit.com uses web beacons to:
Our Security Promise