Last Updated:  November 15, 2012 

1.         INTRODUCTION
Credit Umbrella Inc. (“Credit Umbrella@, “us,” or “we”) is committed to respecting the privacy rights of its customers, visitors, and other users of this website.  We created this website Privacy Policy And Notice (“Privacy Policy”) to give you confidence as you visit and use the site, and to demonstrate our commitment to fair information practices and the protection of privacy.  This Privacy Policy is only applicable to this site, and not to any other websites that you may be able to access from the site, each one of which may have data collection, storage, and use practices and policies that differ materially from our Privacy Policy.  If you do not agree with the terms of this policy or other Terms of Use on this website, then you should immediately exit this website and discontinue using the site.  You should note that the policies and practices contained in this Privacy Policy will apply to your information even after you are no longer a customer or consumer of Credit Umbrella’s Products or Services.

LINKS TO THIRD PARTIES.  For your convenience and to improve the usage of the website we may insert links to third parties on this site.  This privacy policy does not apply to such third party websites. These links take you outside our service and off the Credit Umbrella website and are beyond our control.  This includes links from parties that may use Credit Umbrella’s logos as part of a co-branding agreement, as well as others.  The sites those links can take you to have their own separate privacy policy and although we seek to protect the integrity of our site, Credit Umbrella is not liable for the content and activities of those sites.  Your visits and access to such websites is at your own risk.  Please note that those other sites may send their own cookies to users, collect data, or solicit personal information.

Please note, however, that our site gives you the option to place your results using our software on Twitter.com; if you take advantage of this option, your Twitter.com posting may be used on our website.

2.         PERSONAL INFORMATION WE MAY COLLECT
TYPES OF INFORMATION COLLECTED.   When you register to open an account with us, we will ask you for and collect certain information referred to as “personal information”.  This is information that pertains to your identity, provided by you when you fill in the registration forms, and may include such items as name and e-mail ad­dress.  In addition, for any user of this website, if you communicate with us by e-mail, post messages to any of our chat groups, bulletin boards, or forums, or otherwise complete online forms or surveys, any information provided in such communication may be collected as personal information.

You may be required to provide personal information to access or use certain features of this website.  If you do not provide the requested personal information, you may not be able to access or use the features of the website where such information is requested.

DELETING OR MODIFYING PERSONAL INFORMATION.  You can choose to have all your personal information deleted from our database.  Also, you may delete or modify your personal information, cancel your registration, or stop receiving emails from Credit Umbrella and/or its contracted third parties by clicking here and following the instructions provided.  We encourage you promptly to update your personal in­formation when it changes.

SHARING PERSONAL INFORMATION.  We do share your credit card or other payment account information with a third-party payment processing company to process your payments to us.   Please note that the use of your personal information by them is governed by their own privacy policies and is not subject to our control.

We may share your other personal information, in the manner described below, unless you tell us not to do so.  If you want to limit our sharing of your personal information, call us at 1-877-824-1121 to tell us any or all you want to limit below:

G          Do not share my personal information with your affiliates. AAffiliates@ means companies related by common ownership or control.

G          Do not allow your affiliates to use my personal information to market to me.

G          Do not share my personal information with your nonaffiliates to market their products and services to me. ANonaffiliates” are companies not related by common ownership or control.

You may make your privacy choices at any time.  Your choices will remain unless you state otherwise.  The laws of your state may give you further rights to limit sharing.

Unless you have checked one or more of the boxes above, or otherwise notified us at the above telephone number, we may share your personal information as permitted by law, including the following:

We may share information about you with affiliates and nonaffiliates (as defined in bold above) that have contracted with us, for example for marketing our products or helping in such marketing. We may also share such information about you with nonaffiliates that have joint marketing agreements with us.  Also, our affiliates may use your personal informa­tion for their everyday business purposes, such as processing transactions and managing accounts.  We may provide some of our products, and/or allow you to use this website, through contractual arrangements with either affiliates or nonaffiliates.   For example, your data may be transferred to website hosting companies, software programmers and other parties who assist us in designing and operating the website, or help us analyze collected data.

In order to accommodate changes in our business, we may sell or buy portions of our company or other companies or assets, including the information collected through this website.  If Credit Umbrella or substantially all of its assets are acquired, customer information will be one of the assets transferred to the acquirer.

FURTHER RELEASE OF INFORMATION.  In addition to the above, Credit Umbrella will release personal or general information without your con­sent for security purposes, as permitted by law, when required by law, to prevent imminent harm to any person or entity, to protect our rights or property, enforce our Terms of Use of this website, or as otherwise agreed with you.  We will disclose personal or general information upon receipt of a court order or subpoe­na, or to cooperate with a law enforcement investigation, which may include responding to requests and court orders from jurisdictions outside the United States. We fully cooperate with law enforcement agencies in identifying those who use our products for illegal activities. We reserve the right to report to law enforcement agencies any activities that we in good faith believe to be unlawful, as determined in our sole discretion.  Release of your personal data for security purposes, to any person or entity under any circumstances shall be based on a determination made solely by us, exercising our own discretion, permission for which is expressly granted by you to us in accordance with this Privacy Policy.

3.         GENERAL INFORMATION WE MAY COLLECT.
TYPES OF INFORMATION COLLECTED.  There may be other instances in which we collect information from you that is more general in nature (“general information”).  Such information may include your Internet Protocol (IP) address, which enables us to identify your computer or device on a Transmission Control Protocol/Internet Protocol (TCP/IP) network, which includes the World Wide Web. Your computer has an IP address, which is required in order for you to communicate with others via the Internet.  Such general information, including the click stream data and cookies, as mentioned below, may be collected from you whenever you access the site, whether or not you provide us with any personal information. We may also automatically track and collect information regarding domain servers, types of computers accessing the site; and types of web browsers used to access the site.

Click Stream Data.  When you visit our website we may also collect “click stream data” (server address, domain name). This information can be combined with information you have provided to us by register­ing, for example, which will enable us to analyze and better customize your visits. We may use click stream data for traffic analysis or e-commerce analysis of our website, to determine which features of our site are most or least effective or useful to you.

Cookies.  When you interact with this website, we strive to make that experience easy and meaningful.  When you come to our website, our Web server sends a cookie to your computer. Cookies are files that Web browsers place on a computer’s hard drive and are used to tell us whether customers and visitors have visited the site previously and to help us navigate and to help them navigate and use the site.  Standing alone, cookies do not identify you personally.  They merely recognize your browser.  There are two types of cookies: session and persistent based.  Session cookies exist only during an online session.  They disappear from your computer when you close your browser software or turn off your computer.  Persistent cookies remain on your computer after you’ve closed your browser or turned off your computer.  They include such information as a unique identifier for your browser.  We use session cookies containing encrypted information to allow the system to uniquely identify you while you are logged in to our website.  This information allows us to process your online transactions and requests.  Session cookies help us ensure that you are who you say you are after you’ve logged in and are required in order to use the website and our Products.  We also use persistent cookies which only we can read and use, to identify the fact that you are a subscriber or prior website visitor (whichever the case may be.)  We are especially careful about the security and confidentiality of the information stored in persistent cookies.  We do not store account numbers or passwords in persistent cookies.  Users who disable their Web browser’s ability to accept cookies may be able to browse our website but will not be able to successfully use our Products or certain features of the website.  We may from time to time engage third parties to track and analyze non-personally identifiable usage and volume statistical information from visitors to our website to help us administer our website and improve its quality.  Such third parties may use cookies to help track visitor behavior.  Such cookies will not be used to associate individual website visitors to any personally identifiable information.  All data collected by such third parties is used only to provide us with information on site usage and will not be shared with any other parties.

4.    OUR USE OF INFORMATION.  We will primarily use the personal information you provide and any general information we receive from you to provide our products to you, and for other purposes including the following:

A.  To send you information or materials via e-mail about other products­, offers, and news we think might interest you. This informa­tion may relate to products of Credit Umbrella or its licensees or selected commercial partners.

B.  To analyze visits to the website and learn about the interests­ of our visitors in aggregate and also on a personal level to better understand your interests and needs, so we can im­prove our products and website, and deliver to you the type of content, features and promotions that you are most interested in.

C.   To help diagnose problems with our server, to administer our site and other everyday business purposes to run our business, process transactions, or to display content according to your preferences.  Traffic and transac­tion information may also be shared with business partners and advertisers on an aggregate and anonymous basis.

D.   For everyday business purposes, such as processing transactions and managing accounts.

5.          SECURITY
In order to protect both the personal information and the general information that we receive from you through our web­site, we have implemented various security measures, including computer safeguards and secured files and buildings.  When our site is accessed using Netscape Navigator, or Microsoft Internet Explorer versions 5.5 or higher, Secure Socket Layer (SSL) technology protects information using both server authentication and data encryption to help ensure that data is safe and secure.  We also use an advanced security method based on dynamic data and encoded session identifications, and the site is hosted in a secure server environment that uses a firewall and other advanced technology to prevent interference or access from outside intruders.  We also use unique usernames and passwords that must be entered each time you log on to our site.  These safeguards help to prevent unauthorized access, maintain data accuracy, and ensure the appropriate use of data. Please keep in mind, however, that whenever you give out personal information online there is a risk that third parties may intercept and use that information. While Credit Umbrella strives to protect your personal information and pri­vacy, we cannot guarantee the security of any information you disclose online.  By using this site, you expressly acknowledge and agree that we do not guarantee the security of any data provided to or received by us through this site and that any personal information, general information, or other data or infor­mation received from you through this site is provided to us at your own risk, which you expressly assume.

6.         EFFECTIVE DATE OF AND CHANGES TO PRIVACY POLICY
This Privacy Policy is effective as of the date first written above under the title A Privacy Policy and Notice”, and will remain in effect except with respect to any of its provisions that are changed in the future, in which case the changes will become effective on the date they are posted on the website or we otherwise notify you of the changes.  We reserve the right to change this Privacy Policy at any time. Changes, modifications, additions, or deletions will be effective immediately on their posting to this site.  You should check this Privacy Policy whenever you use this website as its terms may change from time to time. Your continued use of the site after we post any such modifications will constitute your acknowledgment of the modified policy and your agreement to abide and be bound by the modified policy.  To give you a better idea of when modifications have occurred, we will also revise the “last updated” date found at the beginning of this Privacy Policy when we post changes to it.

 7.          POLICY APPLICABLE TO ONLINE ACTIVITIES ONLY
This Privacy Policy does not extend to anything that is inherent in the operation of the Internet, and therefore beyond Credit Umbrella’s control, and is not to be applied in any manner contrary to applicable law or govern­mental regulation. This Privacy Policy only applies to information collected through this site, and does not apply to any information we may collect from you in any place other than this website.

8.           NO USE OF THIS SITE BY PERSONS UNDER 18 PERMITTED
Credit Umbrella intends only persons who are 18 years or older to use this website.  Personal registration information submitted by a person under the age of 18 will not be accepted.  Any general information provided by a person under the age of 18 and gathered (for example, through the use of cookies) during his or her visit may be used as indicated in this Privacy Policy.  Credit Umbrella is committed to protecting the privacy of children and has no intention of collecting personal data from children under the age of 18. We encourage parents and guardians of children under 18 to regularly check and monitor their children’s use of e-mail and other activities online.

PLEASE NOTE: We are a general audience site, and do not direct any of our content specifically at children under 18 years of age.  We understand and are committed to respecting the sensitive nature of children’s privacy online.  If we learn or have reason to suspect that a site user is under age 18, we will promptly delete any personal information in that user’s account.

9.         QUESTIONS OR COMMENTS
CONTACT INFORMATION.   If you have any questions or comments relating to our website or this Privacy Policy, please call us at1-877-824-1121, email us at support@creditumbrella.com, or write Attn: Privacy Compliance Officer, Credit Umbrella, 501 W Glenoaks Blvd. STE 805, Glendale, CA 91202.