PRIVACY POLICY
Keep your information where it belongs: private!
TheCreditPros.Com Online Privacy Policy
Last updated: 01/01/2022
This Privacy Policy applies to the www.TheCreditPros.com website (the “Website”). This Policy describes how TheCreditPros.com (“CRB”) collects and uses the personal information you provide online, including through its mobile application. It also describes the choices available to you regarding the use of, your access to, and how to update and correct your personal information.
Please read the following Privacy Policy so that you understand our process and safeguards.
Agreement to this Privacy Policy:
By using the Website, you consent to this Privacy Policy, including your consent to our use and disclosure of information about you in the manner described herein.
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, CRB 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 assigning you a Client ID. Your personal information is required to service your account. The information we require is the absolute minimum necessary. CRB uses your personal data to ensure that you are kept in constant contact with real-time campaigns. We keep you 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 CRB so that your services may be effectively and timely performed.
How We Share Your Information
Third Parties
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.
Service Providers
We may disclose your Personal Information to other companies that help us correspond with you.
Legal Obligations
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.
Business Transition
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
CRB 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. CRB 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 CRB, 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 CRB’s Website, you are able to do so anonymously. We do not collect personal information when you browse. However, we do have a mechanism that tracks 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 uses 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 CRB’s online, our third-party service providers or we 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, enhance our ability to serve you and your accounts, and tailor our communications to you regarding our products and services.
Cookies
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. Our third-party service providers and we 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.
If you are concerned about having cookies on your computer or other device, you can set your web browser to refuse all cookies or to indicate when a cookie is being set, allowing you to decide whether to accept it. You can also delete cookies from your device. The help feature on most web browsers will tell you how to prevent your browser from accepting new cookies, how to receive notice when a new cookie is set, and how to disable cookies altogether. However, if you choose to block or delete cookies, certain features of our Website or our mobile application may not operate correctly. For further information about deleting or blocking cookies, please visit allaboutcookies.org/manage-cookies/ External site. Information about how to opt out of the use of cookies for certain purposes (such as interest-based advertising) is discussed in the section titled “Third-party analytics and interest-based advertising.”
Web beacons
Our Website, our mobile application, and the emails that you receive from CRB may use an application known as a web beacon (also known as a pixel tag or clear gif). A web beacon is a tiny transparent image embedded in a web or mobile application page or an email to measure usage and activity. In some cases, a web beacon triggers the placement of a persistent cookie on your device.
TheCreditPros.com offers customized features that may require our use of cookies and web beacons. Certain sections of our Website and mobile application may require cookies to be enabled to support site or application performance and provide enhanced authentication. For example, cookies enable us to personalize and improve your user experience and help enhance navigation. Cookies also help us to understand how people use our online services so that we can improve their structure, functionality, and content. Web beacons allow us, directly or through our third-party service providers, to collect information used for Website and mobile application analytics, such as how many users have visited particular pages or downloaded documents or how frequently users search for a particular term. However, our use of these cookies and web beacons is limited. We do not use them to pull other data from your hard drive or to view data in cookies or other similar data files created by other websites.
Our service providers and we 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.
Our Website may include links to third-party sites or information that we think may be of interest to you. When you click these links and leave our Website, our site’s terms and conditions of use and Privacy Policy no longer apply. You are responsible for complying with the third-party site’s terms of use and understanding its privacy policy, both of which you should review carefully.
Our Website may enable you to share information directly with websites or online services operated by third parties. For example, our Website may contain features that allow you to share articles or content through Facebook, Google Plus, Twitter, LinkedIn, and other services and to view content through video players and other services (such as the YouTube video player). If you choose to use these features, you may disclose information to users of those websites or services and the public more generally. Even if you do not click these plug-in features, these third parties may collect information about you, such as your IP address and the pages that you view, and they may also set and/or access a cookie on your device. Because these third-party websites and services are not operated by CRB, we are not responsible for their content or practices. The collection, use, and disclosure of information through these websites and services are subject to the privacy policies of the third-party websites or services, and not this Privacy Policy.
California 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?
No
Notice to California Residents
In response to a California law, we will automatically treat individuals with California addresses or telephone numbers (when disclosed to us) as if you requested us to not share your information with nonaffiliated third parties except as permitted by the applicable California law. We will also limit the sharing of information about you with our affiliates to comply with California privacy laws that apply to us.
Notice to Vermont Residents
In response to Vermont regulations, we automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with non-affiliated third parties and that we limit the information we share with our affiliates. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you.
Notice to Nevada Residents
We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by requesting that we cease calling you by contacting us directly and making such request in writing or email [email protected]. Nevada law requires that we also provide you with 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 or E-mail:[email protected].
Notice to Users Outside of the United States
This Privacy Policy is intended to cover the collection of information on our Website and mobile application from residents of the United States. If you are visiting our Website or mobile application from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where our servers are located and our central database is operated. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Notice.
Children Under 18
Our Website and mobile application are 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 the age of 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 of 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. CRB 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.
Changes to this Privacy Policy
CRB reserves its right to change this Privacy Policy at any time. We encourage you to check our Website and mobile application frequently to see the current privacy policy to be informed of how we are committed to protecting your information and providing you with improved content in order to enhance your online experience. Upon any material changes to the policy statement, we will post those changes to this Privacy Policy so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We will notify all registered consumers via email of any Privacy Policy changes.
This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information contained in our current Privacy Statement and applies solely to visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.
Your Rights and Choices
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
- The categories of personal information we collected about you.
- The categories of sources for the personal information we collected about you.
- Our business or commercial purpose for collecting or selling that personal information.
- The categories of third parties with whom we share that personal information.
- The specific pieces of personal information we collected about you (also called a data portability request).
- If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
- sales, identifying the personal information categories that each category of recipient purchased; and
- disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.
Deletion Request Rights
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service providers to
- Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
- Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
- Debug products to identify and repair errors that impair existing intended functionality.
- Exercise free speech, ensure the right of another consumer to exercise their free speech rights or exercise another right provided for by law.
- Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
- Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws when the information’s deletion may likely render impossible or seriously impair the research’s achievement if you previously provided informed consent.
- Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
- Comply with a legal obligation.
- Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
Exercising Access, Data Portability, and Deletion Rights
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:
- Calling us at 800-411-3050.
- Visiting us at 7750 Okeechobee Boulevard Suite #4-765West 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.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
- Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
- Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Response Timing and Format
We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
- Deny you goods or services.
- Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
- Provide you a different level or quality of goods or services.
- Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.