We take the privacy and security of your NPPI seriously and believe it is important that you understand:
Credit.com is dedicated to protecting the privacy of our customers.
If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact TRUSTe here.
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 unaffiliated 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.
NPPI includes any information: (i) 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 may 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.
As is true of most websites, we gather certain information automatically and store it in log files. This information may include Internet Protocol (IP) addresses, browser type, Internet Service Provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. Though we may link this automatically collected data to other information we collect about you, we will not share any of this automatically collected data.
No NPPI 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.
Credit.com may disclose the NPPI we collect about you, described above, to our affiliates or unaffiliated third-parties, as described below, and as otherwise permitted by law.
(i) To financial institutions, related companies and other trusted businesses or persons who use, analyze, or process it on our behalf, based on our instructions, and in compliance with appropriate confidentiality and security measures. For example, we may use others to:
- deliver, evaluate the effectiveness of, and assist in improving our products and services
- conduct consumer research and satisfaction surveys
- assist us in analyzing and understanding consumers and how to reach them more effectively
- assist us in fraud prevention, with our security measures, and to provide us technical support
- provide customer support, including contacting you by telephone or email on our behalf
- manage customer data, and to ensure data integrity and accuracy
- process financial transactions and perform accounting functions
- advertise, market, or make product or service offerings
(ii) To affiliates and service providers that perform professional services for us, such as demographic analysis for marketing purposes and accounting or assistance with marketing, advertising, product/service offerings and customer service fulfillment. These companies are authorized to use your NPPI only as necessary to provide these services to us. For example, we may provide your contact information to our service providers for direct emailing of our newsletters or to provide you with notifications of our product/service offerings via email, phone or text message.
Selected NPPI, such as your Social Security number and debit or credit card numbers, expiration dates and security codes are immediately encrypted.
We may share aggregated information (i.e., collective information about you and other customers, but not specifically identifiable to you) and other deidentified or anonymous information we collect with third parties.
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 http://support.credit.com. We are not responsible for communications you may receive from unaffiliated 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 http://support.credit.com.
If you contact us by e-mail, we will respond by e-mail.
E-mail correspondence. You may opt out of receiving e-mails from us 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 confirmation e-mail messages and messages that are part of the service to which you are subscribed. They are designed to confirm your identity and your decision to enter into a transaction. Confirmation e-mails often contain important instructions about your transaction. If you do not wish to receive confirmation e-mails, do not sign up for services or products on this website.
If you want to 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 request deletion of your identifying NPPI or deactivation by contacting customer service at http://support.credit.com. We will retain your information for as long as your account is active or as needed to provide you services. In the event that certain information cannot be deleted (because, for example, the information is being retained to document compliance or to ensure that Credit.com can enforce its legal rights), we may not delete such information. Information entered on the Credit.com website will be automatically updated each time you apply for a new or different service. In addition, we will deactivate your account when you send such a request to http://support.credit.com. Please note that deactivation of your account will not necessarily result in the deletion of your NPPI.
If Credit.com is involved in a merger, acquisition, or sale of all or a portion of its assets, your NPPI or other information may be disclosed to third parties concerned or their professional advisors. In the event of such a transaction, the NPPI held by Credit.com will be among the assets transferred to the buyer.
The laws and regulations of different countries and states impose different 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 website available worldwide. The laws of the State of California and the United States of America govern all matters relating to this website. If you provide information while using this website, 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 websites 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. If you are under the age of 18, you may browse our website, but you may not provide personal information to us (such as name, address, or e-mail address), and you may not register for, enroll in, and/or purchase and product or service.
Our website offers publicly accessible blogs and/or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them.
We display personal testimonials of satisfied customers on our website in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at http://support.credit.com.
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 at http://support.credit.com, or by mail at the address set forth below. If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe here. TRUSTe will then serve as a liaison with the website to resolve your concerns.
160 Spear Street, Suite 1020
San Francisco, California 94105
Credit.com also maintains and enforces strict internal policies to protect NPPI from unauthorized access by employees or third parties. When you submit information to Credit.com through our website, you should be aware that your information is transmitted across the Internet and that no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security. Although we take reasonable security measures to protect your information when we receive it, you also need to ensure you take appropriate steps to protect your information. If you have any questions about security on our website, you can contact us at http://support.credit.com. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please notify us of the problem as soon as possible by contacting us in accordance with the "Contact us" section above (note that if you choose to notify us via physical mail, this will delay the time it takes for us to respond to the problem).
Technologies such as cookies, beacons, tags and scripts are used by Credit.com and our partners (e.g., email service providers), affiliates, or analytics or service providers (e.g., online customer support providers). These technologies are used in analyzing trends, administering the website, tracking users' movements around the website and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual, as well as aggregate, basis.
Credit.com uses encryption to secure selected NPPI such as Social Security number and payment 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. Credit.com uses industry standard SSL, AES and RSA encryption.
Secure Sockets Layer is the industry standard method for protecting website 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.
We use third parties to verify the integrity of selected NPPI you provide so we can confirm your identity.
Other important information
For Nevada residents only: We are providing you this notice under state law. We will not telemarket to you. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702.486.3132; email: BCPINFO@ag.state.nv.us. Credit.com, Customer Support: http://support.credit.com.
Vermont: Under Vermont law, we will not share information we collect about Vermont residents with companies outside of our corporate family, unless the law allows. For example, we may share information with your consent, to service your accounts or under joint marketing agreements with other financial institutions with which we have joint marketing agreements. We will not share information about your creditworthiness within our corporate family except with your consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.
California: Under California law, we will not share information we collect about you with companies outside of Credit.com, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law.
Credit.com may invite you to join a survey panel through which you will be able to share your opinions about proposed new services or other issues relevant to Credit.com and its services. Your participation in this panel is voluntary and is not required in order to engage Credit.com's services. Opting in also does not affect your ongoing services. If you are invited to join a survey panel, your input may be sought in order to assist Credit.com to better market its services to interested consumers and provide more efficient and effective services overall. You agree that Credit.com, including its third party providers, can use (as it chooses and at its sole discretion) any information and feedback you provide in response to survey and panel questions. You acknowledge and agree that Credit.com will be the sole owner of the services and survey questions about which you provide information and feedback and that you have no claim to any Credit.com services or the revenue or profits derived from them. You hereby assign to Credit.com all intellectual property rights embodied in the information and feedback you provide to Credit.com (about the services and in response to the survey questions) and shall execute any documents necessary to effect the foregoing. All information and feedback you provide to Credit.com as part of the panel is the confidential business proprietary information of Credit.com and you shall not disclose such information and feedback to anyone other than the designated individuals at Credit.com responsible for the services and/or survey(s). You warrant and represent that your participation on the panel will not violate the rights of any person or entity and will not cause liability for payment to any entity or person.
If you participate, you will be awarded points based on your completing surveys and otherwise engaging in the panel. You acknowledge and agree that you understand that any points or awards provided are solely for completing surveys and otherwise participating in the panel. It is within Credit.com's sole discretion to decide what award to provide and the points that will be required for an award. The award system may be changed at Credit.com's discretion, but if a panel participant has met the minimum requirement for an award, that award will be provided to the individual before applying a new incentive structure.
Because your participation in the panel is not required for your Credit.com services, you may opt out of the panel at any time without terminating your Credit.com services. Similarly, you may continue serving on the panel even if your Credit.com service ends. You will need to opt out of the panel in order to no longer receive emails or informational material about the panel surveys unless participation is terminated by Credit.com.
Credit.com reserves the right to terminate your participation in the panel at any time. Some of the reasons your participation in the panel may be terminated include, but are not limited to, inactivity from all panel activities for a period of time or offensive conduct toward Credit.com, its employees, contractors, or agents, or toward fellow panel members. If Credit.com terminates your participation or if you voluntarily cancel your participation, you will receive the appropriate award for all points you have accrued to date if those points have accumulated to the minimum required for any award; otherwise, all points will be forfeited.
You also acknowledge and understand that information you provide as part of the panel will be kept on the platform provided by Credit.com's third party provider(s). This type of information may include answers you have given as part of the panel registration process and substantive answers you have given in surveys.