Keep your information where it belongs: private!
Last updated: 09/27/2023
For state data privacy protections please see the State Data Privacy Notices section of this policy.
What Personal Information is collected
If you interact with our Website or mobile application by submitting feedback, joining a mailing list, or registering, you may provide Personal Information to us. Personal Information means personally identifiable information such as information you provide via forms or other online fields including name, email addresses, telephone, fax or mobile numbers, as well as records associated with your credit profile.
How your Personal Information is used
We collect and store on our database the information that you submit to use during your membership, including but not limited to the Sign Up stage. To make our web services easier to use, the Website allows you to create a “Client ID” so that at any time you may access your personal information and track your progress through the Client Portal. The system does this by saving your information and assigns you a Client ID.
Your personal information is required to service your account. The information we require is the absolute minimum necessary. TCP uses your personal data to ensure that you are kept in constant contact with the real time campaigns. We keep you up updated on the latest feature updates, special offers, and any other information necessary to fulfill our obligation to you as our client. In order to fulfill our obligation to you we do share your personal information with staff employees of TCP so that your services may be effectively and timely performed.
How We Share Your Information
We may sell, trade, or otherwise transfer to outside parties your name, address, city, town, any form or online contact identifier email, and phone number. We share your information with other companies who provide us with services to help promote our content via email and text alerts, as well as with reputable companies who may be able to offer you assistance.
We may disclose your Personal Information to other companies that help us correspond with you.
We may disclose or report your Personal Information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes.
If we are involved in a merger, acquisition, or sale of all or a portion of our assets, you will be notified via email and/or a prominent notice on our Website or mobile application of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information.
How we safeguard your Personal Information
TCP safeguards the security of your personal data. We take every precaution to protect your personal data when you are on the Internet visiting our Website or mobile application. TCP advises you to change your passwords often, use a combination of letters and numbers, and make sure you use a secure browser. Our Website uses industry-standard Secure Sockets Layer (SSL) encryption on all web pages where personal information is required. This protects the confidentiality of your personal and credit card or checking account information while it is transmitted over the Internet.
Within TCP, we restrict access to information about you to those employees who need to know the information in order to perform their jobs, such as servicing your accounts, providing you with information you request, or notifying you of new products and services. To protect your personal information, we maintain physical, electronic, and procedural safeguards in keeping with industry standards and practices, and we review and adjust these safeguards regularly in response to advances in technology.
How anonymous information is collected and used
When you browse TCP’s Website, you are able to do so anonymously. We do not collect personal information when you browse. However, we do have mechanisms that track pages visited as well as location data, logs and other communication data, and information about your computer and internet connection, including your IP address, operating system and browser type. When you are using our mobile application, we may similarly track these items as well as mobile network provider and geographic location.
Tracking Mechanisms and Deletion of Cookies
Our Website and our mobile application use some of the most secure forms of online communication available, including data encryption, transmission encryption, user names and passwords. These technologies provide an elevated level of security and privacy when you access your account information, initiate online transactions, or send secure messages.
We use a variety of online technologies, such as cookies, web beacons, and similar mechanisms, as described further below, to collect information that helps us understand how our website and our mobile application are used. Specifically, when you visit TCP’s online, we or our third-party service providers may automatically collect a variety of technical and navigational information about you via these technologies, including: your computer or device type; operating system version; browser type and version; user agent string; internet connection type; mobile network provider; date and time of your visit; time since your last visit; pages you view; links you click; searches you conduct; the internet protocol (IP) address used to access our website or mobile application; your general geographic location (e.g., your city, state, or zip code); and the website visited before our site. We also may use similar tracking technologies in emails that we or third parties send to you, as further described below. This information may be used, for example, to alert you to software compatibility issues or to resolve technical or service problems. We also analyze this information, with the assistance of our service providers, to improve our website and mobile application design and functionality, to enhance our ability to serve you and your accounts, and to tailor our communications to you regarding our products and services.
A cookie is a small file of letters and numbers that is stored on your computer, tablet, mobile phone, or other device when you visit a website or a mobile application. Cookies contain information that is transferred to or read on your device and allow websites and mobile applications to recognize devices and store certain information, such as user preferences. Cookies are used to distinguish you from other users of our online services. This helps us to provide you with a useful experience when you browse and also allows us to improve our online services. We and our third-party service providers use session cookies, which link your actions during a particular online session and expire at the end of that session, as well as persistent cookies, which remain on your device and allow us to remember your actions or preferences across multiple sessions.
We and our service providers may use web beacons and cookies to determine whether and when you receive and open our emails; these beacons and cookies may also capture information about the type of device, operating system, email program, and web browser used to view the email, the IP address from which you opened the email, and whether you click any links in the email. These technologies enable us to gauge the effectiveness, relevance, and value of our email communications, as well as to target relevant advertising to you and to measure the impact of that advertising.
Do Not Track Disclosures
How do we respond to Web browser “do not track” signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services?
We currently do not respond to DNT signals in browsers because we do not track individual users across the web.
May other parties collect personally identifiable information about an individual consumer’s online activities over time and across different websites when they visit www.TheCreditPros.com?
State Data Privacy Notices
What information do we collect
A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol (IP) address, email address, account name, Social Security number, driver’s license number, passport number, other government issued number, Green Card number, driving license number; telephone number, or other similar identifiers
Device and Online Identifiers
Such as account login information, Mac address, IP address, cookie IDs, mobile ad IDs, and social media information
Internet & Other Network Activity Information
Such as information about your browsing or search activity as well as your interactions with our websites, mobile applications, emails, or advertisements such as keystroke patterns (these tell us if it’s you who is interacting with us, or a bot)
Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies
Communication details (such as the content of emails, text messages, or other communications), call logs, and calendar information, where we are a party to the exchange
Such as age, gender, citizenship, ethnicity, date of birth, family or marital status, household income, education, professional and employment information, family health, number of children, number of cars owned, and software or virtual assets owned
Such as credit or debit card numbers, credit information, and account information
Data about the location of your device, which may be imprecise (i.e. inferred from your device’s IP address)
Background and criminal information, such as background checks and criminal convictions
Sensitive Personal Information
Includes certain government identifiers (such as SSN, driver’s license, passport number); an account log-in, financial account, debit or credit card number with any required security code, password, or credentials allowing access to an account; precise geolocation (which means within 1,850 feet of a particular person); contents of mail, email, and text messages; genetic data; biometric information processed to identify an individual
|What We Use It For
Business purpose for collecting personal information and sensitive personal information.
We use personal identifiers to authenticate identity and obtain requested credit reports. We use credit report data to assist with identifying and challenging unfair, unsubstantiated, and inaccurate items. We use internet/network activity to inform, optimize, and serve ads based on past visits to our website. We use audio and electronic information to record verbal agreements and authorizations given over the phone or through our web pages. We collect and maintain personal information including credit report data to assist with credit repair and maintenance services.
We limit our use of sensitive personal information. We do not use or disclose sensitive personal information for purposes other than:
|How Long We Will Retain It
We may store your personal information in accordance with legal record retention requirements which may be up to seven years after your account (or case) is closed.
|To Whom Do We Sell or Share It
Categories of personal information, if any, that we have sold or shared to third parties in the preceding 12 months.
We have not sold or shared personal information in the past 12 months. We do not sell or share any of your personal information to third parties without obtaining your specific consent. To update or request removal of your personal information click here
Categories of third parties to whom the information was sold or shared.
Business purpose for selling or sharing personal information.
|To Whom We Disclose It For Business Purposes
Categories of personal information, if any, that we have disclosed for a business purpose to third parties in the preceding 12 months.
Identification of the specific business purpose for disclosing personal information.
We will verify your identity and right to request the information by asking you for information we can match with our records such as your name, phone number, Social Security Number, and/or date of birth. We may also verify you using your system login or other reasonable authentication service such as knowledge-based authentication.
You have the right to request the following up to two times in a 12-month period:
· The categories of personal information we have collected about you in the past 12 months;
· The categories of sources from which we collect personal information;
· The business purpose for collecting or selling personal information;
· The categories of third parties with whom we share personal information;
· The specific personal information we have collected about you in the past 12 months;
· The categories of personal information that we sold about you and the categories of third parties to whom the personal information was sold in the past 12 months, or verification that no personal information was sold;
· The categories of personal information we disclosed about you for a business purpose in the past 12 months, or verification that no personal information was disclosed.
In addition, you have the following rights:
1. You have the right to know the following:
a. The categories of personal information we have collected about you;
b. The categories of sources from which the personal information is collected;
c. The business or commercial purpose for collecting, selling, or sharing personal information;
d. The categories of third parties to whom we disclose personal information; and
e. The specific pieces of Personal Information we have collected about you.
2. You have the right to correction of inaccurate personal information
3. You have the right to request that personal information be deleted, subject to various exceptions including matters governed by the Gramm-Leach-Bliley Act (GLBA) or to comply with a legal obligation whether of general or specific applicability. However, if you exercise your right to have your personal information deleted, we will not be able to continue to provide service, as our services are dependent on that personal information;
4. You have the right to request that personal information not be sold to or shared with third parties, if applicable and the right to know the categories of persons to whom it was disclosed for a business purpose; and
5. You have the right not to be discriminated against in light of choosing to exercise any of these rights.
To exercise any of these rights, or for questions or concerns about our privacy policies or practices, contact us:
· by submitting the Data Request Form (for exercising data privacy rights only)
· by calling 1-800-411-3050.
· Visiting us at 7754 Okeechobee Blvd, #765 West Palm Beach, FL 33411
Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
When you make any of the above data requests, we will provide the requested information within 45 days of the request in most cases. If we need additional time to complete your request, we will notify you within the first 45 days and may take an additional 45 days to complete your request.
By exercising your rights, you will not be discriminated against by:
1. Being denied services, however, if you exercise your right to have your personal information deleted, we will not be able to continue to provide service, as our services are dependent on that personal information;
2. Suggesting or providing a lesser level or quality of service;
3. Charging a different price for services, including through discounts, benefits, or penalties unless the price difference is reasonably related to the value provided to you by your data: or
4. Retaliating against an employee, applicant, or contractor.
Personal information does not include publicly available information from government records, information relating to our job applicants, employees, contractors or other personal, de-identified or aggregated consumer information, or information otherwise excluded from the CCPA’s scope, such as information collected pursuant to the GLBA. For more information on our policies regarding GLBA consumer data, please see our GLBA Notice.
Notice to Users Outside of the United States
Children Under 18
Our Website and mobile application is not intended to be used by children under 18 years old. You represent and warrant that you are at least 18 years of age. If you are under age 18, you may not use the Website, mobile application or related services. We do not knowingly collect personal information from, or target our Website, mobile application or related services to children under the age 18. We understand that there may be exceptions to this rule including, but not limited to children who are emancipated. If we discover that the Website and mobile application are being used inappropriately, we will take steps, if possible, to disable access so that the individual may no longer access them.
Links to Other Websites
Our Website and mobile application may contain links to other websites. Please note that when you click on one of these links you are “clicking” to another website. TCP is not responsible for the information privacy practices or the content of such websites. We encourage you to read the privacy policies of these linked websites as their information privacy practices may differ from ours.
How To Contact Us
Should you have other questions or concerns about these privacy policies,