Last Updated: November 15, 2012
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.
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.
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.
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.
7. POLICY APPLICABLE TO ONLINE ACTIVITIES ONLY
8. NO USE OF THIS SITE BY PERSONS UNDER 18 PERMITTED
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