1. Our Collection and Use of Personal Information
Personal Information is information you provide us that can be used to uniquely identify or contact a single person, such as your name, email address, phone numbers and tax identification number.
Credit Builders may supplement the Personal Information you provide with Personal Information available from other sources, such as public databases, data aggregates, and other commercially available sources.
2. Examples of Personal Information We Collect and How We Use It
You may provide Credit Builders a variety of Personal Information, including your name, mailing address, email address, phone number, payment information, and tax identification number.
The Personal Information we collect allows us to deliver requested products, services and information to you, to stay in contact with you, and to manage Credit Builders partnership with you. By providing Credit Builders with Personal Information, you consent to Credit Builders transfer and storage of that information.
Credit Builders also may use your Personal Information for research, development, and analysis, and for advertising, marketing, product and service offerings, security, fraud prevention, and other business activities.
Our Collection and Use of Non-Personal Information
Non-Personal Information is information in a form that does not allow for direct association with a specific person. This information is compiled and analyzed on both a personal and an aggregated basis. We may collect, use, monitor, analyze, transfer, and disclose Non-Personal Information for any purpose.
4. Examples of Non-Personal Information We Collect and How We Use It
Non-Personal Information includes:
Device Information - We may collect specific information for the device you use to access our website. For example, we may collect device model, IP address, MAC address, operating system version, application software, fonts, and other device information and identifiers.
Cookies and Other Technologies - We use a variety of technologies to collect and store information when you visit our website. This technology may involve sending web beacons and cookies or anonymous identifiers to your device.
Log Information - When you visit our website, we collect certain information automatically and store it in log files. This information includes IP address, browser version, ISP data, referring and exit pages, operating system version, date / time stamps, cookie data, and clickstream data.
We use Log Information to administer the website, analyze trends, maintain site security, learn about user behavior, and improve the overall quality and availability of the site.
Click-Through URLs - In some email messages, we use a Click-Through URL to link to content on our website. When you click one of these URLs, you pass through a separate web server before reaching our site.
We use Click-Through URLs to help us determine interest in a topic and to measure the effectiveness of our email communications.
5. Our Sharing of Information with Others
We do not share or sell Personal Information with businesses or individuals outside of Credit Builders, except under the following circumstances:
Consent - We will share your Personal Information with others outside of Credit Builders when we have your consent to do so.
Service Providers - We provide Personal Information to 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
· 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
Legal Reasons - We will share Personal Information with others outside of Credit Builders if we have a good-faith belief that disclosure is necessary or appropriate to:
· comply with applicable law, regulation, legal process or enforceable governmental request
· protect our operations or customers
· detect, investigate, or address fraud, security, or technical problems
· investigate potential violations of and enforce applicable terms of service
In the event of a reorganization, merger, or sale we may transfer any and all personal information we collect to the relevant third-party.
We may share Non-Personal Information publicly and with our strategic partners. For example, we may share Non-Personal Information to describe the size and success of our firm.
6. Transparency and Choice
You may find additional information, opt-out of, or otherwise customize display advertising from Google or DoubleClick by visiting Google's Ads Preference Manager.
You may find additional information and opt-out of other participating third-party display advertising by visiting the Network Advertising Initiative opt-out page.
Credit Builders may use third-party analytics companies, including Google Analytics and Omniture to analyze and understand user behavior when visiting our website.
You may find additional information and opt-out of Google Analytics by visiting the Google Analytics opt-out browser add-on.
You may find additional information and opt-out of Omniture Analytics by visiting the Adobe opt-out page.
You also may want to consider disabling cookies within your browser. Please note, however, that certain features of the Credit Builders website will not function properly or be available once cookies are disabled.
7. Social Media Plug-ins
Plug-ins for social networks, such as Facebook, Twitter, LinkedIn, Yahoo, Windows and Google plus (among others), are integrated on Credit Builders website.
By interacting with us through a social media plug-in, certain information will be transmitted to the related social network, and you permit us to have on-going access to information from your social network profile.
8. Information Security and Retention
Credit Builders takes precautions to safeguard your Personal Information from loss, theft, and misuse, as well as unauthorized access, disclosure, alteration, and destruction. These precautions include technical, physical, and managerial procedures.
Because email and instant messaging are not recognized as secure communications, we request that you not send private information to us by email or instant messaging services.
We are committed to working with appropriate regulatory authorities to resolve any complaints regarding the transfer of Personal Information that we cannot resolve with our customers directly.
Credit Builders uses McAfee and Windows 10 encryption on all pages where Personal Information is collected. This protects the confidentiality of your Personal Information while it is transmitted over the Internet.
For your own protection, you should exercise care with the information you share over the Internet. You should always use a secure browser and exercise good judgment in using passwords, such as using a combination of upper and lower-case letters, numbers, special characters, and you should avoid using the same or similar passwords across multiple sites.
Clients may access their Personal Information by logging into their account. We make good-faith efforts to give you ways to update or to delete your Personal Information quickly, unless we need to keep that information for a legitimate business or legal purpose. Some changes require personal contact with an assigned Credit Builder Credit Care Representative ®.
We may reject requests to change or delete information that are unreasonably repetitive, require disproportionate technical effort (for example, requiring the development of new systems or fundamental changes to existing systems), risk the privacy of others, or would be extremely impractical (such as information stored on backups).
We work to protect data from accidental or malicious destruction. Accordingly, we may not immediately delete or change residual copies and we may not delete or change information from our backup systems. Unless a disproportionate effort is required, we will provide information access and correction without charge.
9. Third Party Privacy Policies
We do not knowingly collect Personal Information from children under 18. If we learn that we have collected the personal information of a child under 18, we will take steps to delete the Personal Information as soon as possible.
11. Consumer Surveys
Credit Builders 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 Builders and its practice. If you are invited to join a survey panel, your input may be sought in order to assist Credit Builders to better market its credit repair and debt negotiation services to interested consumers and provide more efficient and effective services overall. You agree that Credit Builders, 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 Builders 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 Builder services or the revenue or profits derived from them. You hereby assign to Credit Builders all intellectual property rights embodied in the information and feedback you provide to Credit Builders (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 Builders as part of the panel is the confidential business proprietary information of Credit Builders and you shall not disclose such information and feedback to anyone other than the designated individuals at Credit Builders 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 Builders 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 Builders 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 Builders services, you may opt out of the panel at any time without terminating your Credit Builders representation. Similarly, you may continue serving on the panel even if your Credit Builders representation ends. You will need to opt out of the panel to no longer receive emails or informational material about the panel surveys unless participation is terminated by Credit Builders. You may opt out by emailing us at email@example.com and Subject Line: opt Out.
Credit Builders reserves the right to terminate your participation in the panel at any time. Some of the reasons your enrollment 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 Builders, its employees, contractors, or agents, or toward fellow panel members. If Credit Builders 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 Builders 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.
13. Request for Information
Policy Revision Date: December 29, 2017
You may cancel any service or consultation program (contract) chosen, without penalty or obligation, in writing with date and signature, at any time before midnight of the 3rd business day, after the date on which you signed the contract Credit Builders membership fee is non-refundable.