Updated as of March 3, 2005
The web site you entered is operated by Credit.Com, Inc. (“Credit.com”),
which values your patronage and the trust you place in the company
and its personnel. This Privacy Policy outlines the types of information
that are collected by Credit.com on its web sites and how Credit.com
uses and protects it. This policy applies only to Credit.com and
to web sites operated by or on behalf of Credit.com. It does not
apply to web sites that are owned by third parties, including web
sites that link to Credit.com or that are linked from this web site
(including web sites of lenders and others that have business relationships
with Credit.com to provide loans and other consumer credit products
and services to you). Credit.com is not responsible for the privacy
practices of those third party web sites, which may differ from
ours in significant ways. We encourage you to learn about the privacy
policies of those web sites and the companies that operate them.
 Credit.com
is a licensee of the TRUSTe® Privacy Program. TRUSTe is an independent,
non-profit organization whose mission is to build users’ trust
and confidence in the Internet by promoting the use of fair information
practices. This privacy statement covers the sites described below
in the section entitled Applicable Web Sites.
Because Credit.com wants to demonstrate its commitment to your privacy,
Credit.com has agreed to disclose its information practices and
have its privacy practices reviewed for compliance by TRUSTe.
If you have questions or concerns regarding this statement, you
should first contact Credit.com at the points of contact described
below in the section entitled Questions About This
Privacy Policy. If you do not receive acknowledgment of your
inquiry or your inquiry has not been satisfactorily addressed, please
contact J. Anthony Vittal, the General Counsel of Credit.com, by
telephone at (415) 901-1561 or by e-mail at javittal@credit.com.
If, after you have done these things, you still have not received
acknowledgment of your inquiry or your inquiry has not been satisfactorily
addressed, you should contact TRUSTe at http://www.truste.org/consumers/watchdog_complaint.php.
TRUSTe then will serve as a liaison with us to resolve your concerns.
If we decide to change our privacy policies or practices, we will
post those changes to this Privacy Policy, the home page, and other
places we deem appropriate, so that you are aware of what information
we collect, how we use it, and under what circumstances, if any,
we disclose it. We reserve the right to modify this Privacy Policy
at any time, so please review it frequently. If we make materials
changes to this Privacy Policy, we will notify you here, by e-mail,
or by means of a notice on our home page.
The Credit.com Privacy Policy covers the following topics. You
can jump directly to a topic of interest by clicking on the link
below.
Credit.com is a California-based company and strongly supports
the inalienable right of privacy guaranteed to all people by the
California Constitution. While you may not be protected by the California
Constitution, and although Credit.com is not a “financial
institution” and therefore is not governed by the California
Financial Information Privacy Act (Sections 4050 et seq. of the
California Financial Code, commonly referred to as “S.B. 1”),
Credit.com nonetheless is firmly committed to protecting your personal
privacy. As part of that commitment, we communicate this Privacy
Policy to every Credit.com employee, and we require that each Credit.com
employee follow it. In addition, employee access to information
about individual customers is limited to those authorized employees
with a legitimate business reason to access the information, and
then only on a “need-to-know” basis.
Return to top
By using this web site, you represent to us that you are an adult
under the laws of the place where you reside and that you agree
with the terms of this Privacy Policy and with the Terms and Conditions
applicable to the use of this web site. If you are not an adult
under the laws of the place where you reside, or if you do not agree
with any provision of this Privacy Policy or the Terms and Conditions,
please do not use this web site, and do not provide any Personal
Information to us.
Return to top
Among its operations, Credit.com functions as a consumer credit
intermediary, linking consumers with various consumer credit products
and services. If you are applying for any of those products or services,
Credit.com may collect the personal information you provide us to
enroll you as a customer or to complete a transaction. In these
circumstances, however, our principal role is to facilitate a relationship
in which you provide your information directly to a third party
B for instance, to apply for extension of credit, or to purchase
a credit report or other credit-related products or services --
rather than to us. We collect information as a consumer credit intermediary
to enable us to:
- Transmit the information to a third-party lender or service
provider (subscribers) who process or provide applications for
the product or service you request.
- Communicate with you about your applications for products or
services.
- Confirm the acceptance and status of your request by e-mail.
- Respond to your inquiries about the status and/or destination
of your applications.
- Identify the referring web site if you link to us from another
web site.
- Delete fictitious data from our systems, based on a customer
identifier such as a home telephone number or e-mail address.
- Handle accounting issues between us and our subscribers and
affiliates, using a customer identifier such as a home telephone
number or e-mail address, if the subscriber rejects your application.
- Conduct market and demographic analyses on aggregated customer
data, which does not identify individual customers.
- Perform system and security monitoring, such as monitoring
the IP addresses of incoming traffic to prevent abuse.
Credit.com also provides consumer credit education services. To
do so, we may collect your name and your e-mail address to enable
us, if you desire, to send you e-mail newsletters and other information
about our consumer education services and other programs.
In each of these circumstances, we will only collect and use the
minimum information needed to accomplish the stated purpose, and
only with your full knowledge and consent.
Return to top
We keep aggregate anonymous click stream data indefinitely. This
information does not include identifying information about any individual
customer. This data includes information about the number of customers
visiting this web site during a particular time period, the categories
of products and services visited, the pages accessed by the customer,
and the place from which each customer accessed our web site. This
information helps us refine our offerings of products and services
and the presentations of those offerings on our web site.
We keep individual page view information in our log files for 90
days to enable us to better respond to the interests of each customer
and for system and security monitoring. We keep aggregated page
view data indefinitely.
We indefinitely keep information about you that is not personally
identifiable financial information B information such as your name,
your e-mail address, the products or services you order through
our web site, and your answers to multiple choice questions B to
enable us to communicate with you and for our internal analysis
of the demographics of our customers. We give you the ability to
opt out of future contact from us at any time.
We keep personally identifiable financial information about you
that you furnish to us during your visit to our web site B information
such as your Social Security account number, a bank account number,
a credit card number, your mother's maiden name, and/or your drivers
license number B to facilitate the completion of your transaction.
We permanently delete this information from our systems after four
business days.
If your personally identifiable financial information changes during
that four-day period, or if you no longer desire our service, you
may correct or delete your information by contacting us at the points
of contact described below in the section entitled Questions
About This Privacy Policy or by postal mail at the address shown
below.
The identity of the organization collecting personally identifiable
financial information about you is:
Credit.Com, Inc.
550 15th Street, Suite 36B
San Francisco, California 94103-5032
(415) 901-1550
Return to top
Credit.com uses Secure Sockets Layer technology supporting up to
128 bit encryption to prevent unauthorized parties from viewing
or tampering with any personal information transmitted to or from
Credit.com during your session. Secure Sockets Layer server authentication
allows your browser to confirm a server's identity. Using standard
techniques of public key cryptography, the authentication system
verifies that the server's certificate and public ID are valid and
have been issued by a certificate authority listed in the browser's
list of trusted certificate authorities. Credit.com is registered
with VeriSign®, the best-known certificate authority, and has
obtained digital certificates from VeriSign® for www.credit.com
and its subdomains and affiliated domains.
When you provide Credit.com with personal information, you do so
over Secure Sockets Layer technology using a secure encrypted link
between the computer you are using and our servers. When we transmit
your personal information to the provider of the product or service
you are ordering, we also do so over Secure Sockets Layer technology.
Credit.com safeguards information about you in our possession according
to established physical and electronic security procedures designed
to prevent unauthorized access. We continually assess new information
protection technology.
Return to top
Credit.com does not provide your personally identifiable information
to affiliated or unaffiliated companies for their independent use,
except when we transmit the information to subscribers who process
or provide applications for the product or service you request.
Credit.com may legally disclose your personally identifiable information
to unaffiliated third parties when the law requires our cooperation
B for example, in response to a search warrant issued in connection
with a fraud investigation, in response to a subpoena, or in response
to a request by an authorized government regulator. If possible,
we will attempt to comply with any legal request for our cooperation
by eliminating all personally identifiable information before releasing
our records. If that is not possible, before we provide your personally
identifiable information to a third party as required by law, we
will seek the issuance of a protective order by a court of competent
jurisdiction compelling the third party to maintain the confidentiality
of that information.
Return to top
We do not knowingly solicit personal information from children
or send them requests for non public personal information. If you
have reached this point, you have represented to us that you are
an adult under the laws of the place where you reside.
Return to top
A cookie is a piece of data stored on your computer that is tied
to information about you. We may use both session ID cookies and
persistent cookies. For the session ID cookie, once you close your
browser, the cookie simply terminates. A persistent cookie is a
small text file stored on the hard drive of your computer for an
extended period of time.
You may use our web sites even though you have set your computer's
browser to reject cookies. The only drawback to rejecting cookies
is that you will be limited in some areas and services of our web
site.
You may be unable to order, apply for, or request products or services
from our subscribers via our web sites if you have set your computer's
browser to reject cookies. Thus, for you to access products or services
offered by us or our subscribers through our web sites, we recommend
that you set your computer's browser to accept cookies.
Some of the companies that offer products or services via our web
sites, and some of the companies that route traffic to our web sites,
may transmit cookies from their web sites to your computer. We have
no access to or control over these cookies. Consequently, this Privacy
Notice only covers our use of cookies and does not cover the use
of cookies by any third parties.
We link the information we store in the session ID cookie on your
computer to the information you submit while on our site, including
any personally identifiable information, however, as noted above,
the session ID cookie terminates when you close your browser.
Return to top
We urge you to take every precaution to protect your personal data,
both on and off the Internet.
Return to top
This Privacy Policy applies to the following web sites: www.credit.com,
www.yourcredit.com, www.personalcreditinformation.com, and others
that may be added in the future.
Return to top
If you have any questions or concerns about this Privacy Policy
or our collection of information, please contact our customer service
desk by toll-free telephone at (877) 273 4273 or by e-mail at privacy@credit.com.
Return to top
The laws and regulations of different countries impose different
(and even conflicting) requirements on the use of the Internet and
data protection. Credit.com is located 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, to the extent applicable,
the United States of America, govern all matters relating to this
web site. If you are located outside the United States of America,
please note that any information you provide will be transferred
to our servers in the United States of America and, by submitting
your information, you authorize this transfer.
Return to top
|
