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Effective as of: January 2022
Personal Information We Collect
We may collect information directly from you via our contact forms, email correspondence, and other direct communications we have with you through the Services. Personal information you provide to us through the Services or otherwise includes:
- Contact information, such as your first and last name, email and mailing addresses, and phone number.
- Feedback or correspondence, such as information you provide when you contact us with questions, feedback, or otherwise correspond with us online.
- Profile information, such as your username and password that you may set to establish an online account with us.
- Financial information. We may also collect your credit history, credit scores, credit reports, and account balances, payments, or transactions in the course of providing Services (collectively, “Financial Information”). For additional information relating to your choices about Financial Information specifically, see our U.S. Consumer Privacy Disclosure.
- Marketing information and preferences, such as your preferences for receiving communications about our activities, events, and publications, and details about how you engage with our communications.
- Information we obtain from third parties. At your request and instruction, information may be collected from third parties, including select Financial Information from the credit bureaus.
Cookies and Other Information Collected by Automated Means
We and our service providers may automatically log information about you, your computer or mobile device, and activity occurring on or through the Services, including but not limited:
- Device data, such as your computer or mobile device operating system type and version number, manufacturer and model, device identifier (such as the Google Advertising ID or Apple ID for Advertising), browser type, screen resolution, IP address, the website you visited before browsing to our website, and general location information such as city, state or geographic area.
- Online activity data, such as information about your use of and actions on the Services, such as pages or screens you viewed, how long you spent on a page or screen, navigation paths between pages or screens, including referring and exiting pages or screens, information about your activity on a page or screen, access times, and length of access.
On our webpages, this information is collected using cookies, browser web storage (also known as locally stored objects, or “LSOs”), web beacons, and similar technologies, and our emails may also contain web beacons. In our mobile application, we may collect this information directly or through our use of third-party software development kits (“SDKs”). SDKs may enable third parties to collect information directly from our mobile applications.
A “cookie” is a text file that websites send to a visitor‘s computer or other Internet-connected device to uniquely identify the visitor’s browser or to store information or settings in the browser. Browser web storage, or LSOs, are used for similar purposes as cookies. Browser web storage enables the storage of a larger amount of data than cookies. A “web beacon,” also known as a pixel tag or clear GIF, is typically used to demonstrate that a webpage was accessed or that certain content was viewed, typically to measure the success of our marketing campaigns or engagement with our emails and to compile statistics about usage of our websites. A SDK is third-party computer code that we may incorporate into our mobile applications that may be used for a variety of purposes, including to provide us with analytics regarding the use of our mobile applications, to integrate with social media, add features or functionality to our app, or to facilitate online advertising.
In this section, we describe the rights and choices available to all users.
Update your account. If you have an account on the Services, you can manage your account and update your profile information, such as your name, email address, telephone number, and password, by logging in to your account.
Opt out of marketing communications. You may opt out of marketing-related emails and text messages by following the opt-out or unsubscribe instructions at the bottom of our emails. You may continue to receive service-related, transactional, and other non-marketing emails.
Targeted online advertising. Some of the business partners that collect information about users’ activities on or through the Services may be members of organizations or programs that provide choices to individuals regarding the use of their browsing behavior or mobile application usage for purposes of targeted advertising. If you choose to opt-out of targeted advertisements, you will still see advertisements online, but they may not be relevant to you. Even if you do choose to opt out, not all companies that serve online behavioral advertising are included in this list, so you may still receive some cookies and tailored advertisements from companies that are not listed.
The Services use Google Analytics, Google Adwords, Facebook Ads, LinkedIn Ads, and other third party applications to advertise online via their remarketing and other display targeting features.
You can prevent the storage of data relating to your use of the Services and created via the cookies (including your IP address) by Google, as well as the processing of this data by Google, by downloading and installing the browser plug-in available at https://tools.google.com/dlpage/gaoptout (requires you to install a browser add-on).
You can also use these opt-out options to limit use of your information for interest-based advertising by participating companies:
- Digital Advertising Alliance
- Network Advertising Initiative
Since many of these opt-out tools are specific to a device or browser, you will need to opt out on every browser and device that you use.
Do Not Track. Some Internet browsers may be configured to send “Do Not Track” signals to the online services that you visit. We currently do not respond to “Do Not Track” or similar signals. To find out more about “Do Not Track,” please visit http://www.allaboutdnt.com.
Choosing not to share your personal information. Where we need your personal information in order to provide the Services to you, if you do not provide this information when requested (or you later ask to delete it), we may not be able to provide you with our Services. We will tell you what information you must provide to receive the Services by designating it as required at the time of collection or through other appropriate means.
How We Use Your Personal Information
To operate the Services. We use your personal information to:
- provide you with our data analytics solutions and communicate with you about the educational and learning opportunities concerning the credit scores, as part of the Services
- provide, operate, and improve the Services
- establish and maintain your user profile on the Services
- provide support and maintenance for the Services
To communicate with you, including to:
- communicate with you about the Services, including by sending you announcements, updates, security alerts, and support and administrative messages
- to respond to your requests, questions and feedback
For research and development. We analyze use of the Services to improve the Services and to develop new products and services, including by studying user profiles and use of the Services.
To comply with law. We use your personal information as we believe necessary or appropriate to comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities.
For compliance, fraud prevention, and safety. We may use your personal information and disclose it to law enforcement, government authorities, and private parties as we believe necessary or appropriate to: (a) protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims); (b) enforce the terms and conditions that govern the Services; and (c) protect, investigate and deter against fraudulent, harmful, unauthorized, unethical, or illegal activity.
To create anonymous, aggregated or de-identified data. We may create anonymous, aggregated or de-identified data from your personal information and other individuals whose personal information we collect. We make personal information into anonymous, aggregated or de-identified data by removing information that makes the data personally identifiable to you. We may use this anonymous, aggregated or de-identified data and share it with third parties for our lawful business purposes, including to analyze and improve the Services and promote our business.
How We Share your Personal Information
Financial institutions and other businesses. Except where prohibited, we may share information about you with financial companies or other businesses who offer financial related products or services that you may be interested in. These companies’ privacy and information sharing practices will be set out in their respective privacy policies. For additional information relating to your choices about our sharing practices, see our U.S. Consumer Privacy Disclosure.
Professional advisors. We may disclose your personal information to professional advisors, such as lawyers, bankers, auditors and insurers, where necessary in the course of the professional services that they render to us.
For compliance, fraud prevention, and safety. We may share your personal information for the compliance, fraud prevention, and safety purposes described above.
Business transfers. We may sell, transfer or otherwise share some or all of our business or assets, including your personal information, in connection with a business transaction (or potential business transaction) such as a corporate divestiture, merger, consolidation, acquisition, reorganization or sale of assets, or in the event of bankruptcy or dissolution. We reserve the right to further share your personal information in connection with, or during negotiations of, any proposed or actual merger, purchase, sale, or any other type of acquisition or business combination of all or any portion of our assets.
Other Sites and Services
The Service may contain links to other websites and other online services operated by third parties. These links are not an endorsement of, or representation that we are affiliated with, any third party. In addition, our content may be included on web pages or in mobile applications or online services that are not associated with us. We do not control third party websites, mobile applications or online services, and we are not responsible for their actions. Other websites, mobile applications and services follow different rules regarding the collection, use and sharing of your personal information and youruse of any such third-party websites may be subject to other terms and conditions imposed by the third parties maintaining those websites. We encourage you to read the privacy policies of the other websites, mobile applications and online services you use, as these policies control the collection and use of your personal information in those instances.
In certain instances, we may obtain your personal information from other third parties, such as lending officers or other employees of financial institutions who have, with your consent and permission, initiated the creation of your account for the Services and who have collected and provided data on your financial profile, including Financial Information. In those instances, the privacy policies of those third parties will govern the collection, use, and sharing of your personal information, and we will use your personal information only for the purposes for which it was provided to us.
The security of your personal information is important to us. We employ a number of organizational, technical, and physical safeguards designed to protect the personal information we collect. However, security risk is inherent in all Internet and information technologies and we cannot guarantee the security of your personal information.
Visiting our Websites From Outside the United States
The Services are designed to provide services in the United States and are governed by the laws of the United States. We make no representation that the Services are governed by or operated in accordance with the laws of any other nation.
The Services are not directed to, and we do not knowingly collect personal information from, anyone under the age of 13. If a parent or guardian becomes aware that his or her child has provided us with information without their consent, he or she should contact us. We will delete such information from our files as soon as reasonably practicable. We encourage parents with concerns to contact us.
Nevada Privacy Rights
Nevada laws permit customers in Nevada to opt-out of the sale of certain kinds of personal information. CreditXpert does not sell your personal information to third parties for monetary consideration to trigger the opt-out requirements under Nevada law. If you are a Nevada resident and have questions, please contact us at email@example.com.
How to Contact Us