Privacy Commitment
Consumer First Credit Repair ("The Company") The Company provides you with the
tools and information to help strengthen your relationships. Our relationship
with you begins at our web site. We want you to feel confident in this
relationship. In this light, we are committed to ensuring that while you
are visiting our web site, you feel that the information you share is
safe and secure to the fullest extent possible by The Company.
Our Commitment to Privacy
Our Privacy Policy was developed as an extension of our commitment to
combine the highest-quality products and services with the highest level
of integrity in communicating with you. The Policy is designed to assist
you in understanding how we collect, use and safeguard the personal information
you provide to us and to assist you in making informed decisions when
using our site and our products and services. This statement will be continuously
assessed against new technologies, business practices and our customers'
needs.
How we collect personal information
We collect information about you: (i) that you submit during the sign
up process for our service, and (ii) any time we enter information from
your credit report into our database. The latter is necessary to make
that information available to you via Dispute Valet™. In addition,
when you sign up for a new The Company service, or ask to be included
in an email mailing list, we collect and store the information you provide
in a secure database.
To save you time and make our web services even easier to
use, some areas of the The Company web site allow you to create a "Client
ID" using your personal information. The system saves your information
and assigns you a unique The Company Client ID. Next time you log into
the client section of our web site you can simply enter your Client ID
and password — the system will automatically look up the information
it needs.
When we disclose personal information
Because the ability to communicate with our clients during any part of
the credit recovery process is absolutely essential, your personal information
may be shared with other The Company employees and partners. They will
protect your personal information in accordance with the The Company Customer
Privacy Policy. The Company will not share your personal contact information
with other companies unless you specify otherwise.
The Company works with other companies that help us provide
The Company services to you, and we may provide your personal information
to these companies. For example, should we need to forward written documents
to you we give shipping companies this information so they can deliver
more efficiently. The information they receive is for shipping and delivery
purposes only, and we require that the companies safeguard your personal
information in accordance with The Company's policies.
Information Collected by The Company
When you visit our Web site you may provide us with two types of information:
personal information you knowingly choose to disclose that is collected
on an individual basis and web site use information collected on an aggregate
basis as you and others browse our Web site.
1. Personal Information You Choose to Provide
In order to experience the full benefit that The Company offers such as
The Company tutorials, premium content, tools and services, we ask you
to register to become a member. During this member registration process,
we will ask you for personally identifiable information such as your name,
email address, mailing address, zip code, country, gender, birth date,
age, member name and password. In addition, you may choose to provide
The Company with additional information such as marital status, household
income, education and employment status.
The Company uses the information it gathers for several purposes,
such as to understand more about our membership's interests, to communicate
with you and to give you a better experience when visiting Family by personalizing
content, tutorials, services and email messages (more details below).
The Company also uses this information to offer new tutorials, content
and services as well as developing offers that The Company believes are
more relevant and valuable to you.
2. Web Site Use Information
When you visit The Company and interact with the services and tools that
reside there, The Company and third parties with whom The Company has
contracted to provide services to The Company may collect information
on your actions. The Company utilizes a standard technology called "cookies"
and your IP address to collect information about how The Company is used.
Information gathered through cookies and your IP address may include the
date and time of visits, the pages viewed, time spent at our Web site,
and the Web sites visited just before and just after our Web site. This
information is collected on an aggregate basis. None of this information
is associated with you as an individual.
INFORMATION COLLECTED BY The Company THROUGH COOKIES AND IP
ADDRESS
Cookies
Our site uses a feature of your browser to set a "cookie" on
your computer. Cookies are small packets of information that a site's
computer stores on your computer. The Company can then read the cookies
whenever you visit The Company. The use of cookies on The Company provides
the ability to:
- save your password so you don't have to re-enter it
each time you visit our site
- deliver content specific to your interests
- track your progress within a tutorial
- track the pages you've visited
- make sure you don't see the same ads repeatedly
These cookies allow us to use the information we collect to
customize your The Company experience so that your visit to The Company
is as relevant and as valuable to you as possible.
You may modify your browser preference to provide you with
choices relating to cookies. You have the choice to accept all cookies,
to be notified when a cookie is set or to reject all cookies. If you choose
to reject cookies you may be unable to use those The Company services
that require registration in order to participate or will have to login
each time you visit The Company.
IP Address
Your IP address is a number that is assigned by your ISP (Internet Service
Provider) to your computer to identify its location. We use your IP address
to help diagnose problems with our server and to administer our website.
We also sometimes use IP addresses to communicate with members and subscribers
and possibly even ban those members who are not complying with our Terms
of Service.
USE OF INFORMATION
The majority of information collected by The Company is used to create
aggregated portraits of the The Company audience, portraits which present
anonymous statistical demographic information. This aggregated information
is used, among other things, to determine trends and needs, and also to
supply market research to potential advertisers and partners to help them
understand whom the The Company audience is. Occasionally, we may also
use the information we collect to notify you about important changes to
our Web site, new services and special offers we think you will find valuable.
Due to the personal nature of much of the content and services
of the site, the information you have provided may be used to help guide
to you content, tutorials, services and products that may server to provide
you with a more fulfilling experience while visiting The Company.
MEMBERSHIP REGISTRATION
Many areas of The Company are reserved for The Company members who have
registered with us; for example, tutorials, mentor program, chats, message
boards and member only premium content.
The membership registration form is two tiered:
General Registration: Provides access to a minimum set of
The Company resources e.g. view message boards, but not allowing you to
post a message. During General Registration, you will be required to choose
a member name and password and provide The Company with your first and
last names, email address, mailing address, zip code, country, gender,
age and birth date. The form also includes optional information that you
may choose to provide to us like marital status, household income, education
and employment status.
Premium Member Registration: This registration level allows
you to become a premium member of the The Company site, allowing you complete
access to all content and services, including tutorials. In addition to
the General Registration information you provide, you will be asked to
provide your credit card information. This information is collected via
a secure form, with multiple security layers.
HOW WE PROTECT AND SECURE YOUR INFORMATION
The Company has numerous security measures in place to protect you from
the loss, misuse and alteration of the information under our control,
including your personal information, tutorial test results, personal growth
plans, and credit card information All of your member information, requires
use of your password. We recommend that you do not share your password
with anyone.
Information Security. The Company utilizes encryption/security
software to safeguard the confidentiality of personal information we collect
from unauthorized access or disclosure and accidental loss, alteration
or destruction.
Evaluation of Information Protection Practices. Periodically,
our operations and business practices are reviewed for compliance with
corporate policies and procedures governing the security, confidentiality
and quality of our information.
Employee Access, Training and Expectations. Our corporate
values, ethical standards, policies and practices are committed to the
protection of customer information. Our business practices limit employee
access to confidential information, and limit the use and disclosure of
such information to authorized persons, processes and transactions.
INFORMATION SHARING POLICY
By entering a promotion, registering with our Website, completing any
forms on our Website, or by checking or not unchecking co-registration
boxes, you grant the Company the right to use the collected information
for marketing purposes including, but not limited to, sharing such information
with third party advertisers ("Advertisers"), emailing, or physically
mailing Company or any third party offers to your email address or postal
address. We may also use such information to fulfill prizes, track compliance
with the applicable sweepstakes or promotion rules, or for content improvement
and feedback purposes. We may sell the personal information that you supply
to us and we may join together with other businesses to bring selected
retail or service opportunities to our user base. These businesses may
include providers of direct marketing services and applications, including
lookup and reference, data enhancement, suppression and validation. In
addition, the Company reserves the right to release current or past user
information in the event we believe that the Website is being or has been
used in violation of any sweepstakes or promotion rules; to commit unlawful
acts; if the information is subpoenaed; if the Company is sold or acquired;
or when the Company deems it necessary or appropriate. By agreeing to
these terms, you hereby consent to disclosure of any record or communication
to any third party when the Company, in its sole discretion, determines
the disclosure to be appropriate.
We may share Website usage information about our Website
visitors who have received targeted promotional campaigns with Advertisers
for the purpose of formatting future campaigns and upgrading visitor information
used in reporting statistics.
NOTICE OF NEW SERVICES AND CHANGES
Occasionally, we may also use the information we collect to notify you
about important changes to The Company, new services and special offers
we think you will find valuable. You will be given the opportunity to
notify us of your desire not to receive these offers by clicking on a
response box when you receive such an offer or by sending us an email
request.
ORDER FORMS AND TRANSACTIONS WITH E-COMMERCE PARTNERS AND
ADVERTISERS
The information provided via the order form in the The Company on line
store is secured via SSL Encryption. The information provided in that
order form, as well as the items ordered, will only be shared with the
designated fulfillment partner to the extent the information is needed
to successfully complete the order and they may not use this information
for any other purpose.
E-LEARNING & TUTORIAL PROGRESS AND RESULTS
As a premium member of The Company, you will be able to participate in
the e-learning and tutorial programs. These programs include taking tests
to help measure your progress throughout the tutorial. The results of
these tests are stored as part of your member profile and treated with
the same level of privacy and security as the rest of your personal data.
However, at your own discretion you may choose to share your progress
and test results with others. You may find that this is helpful if you
choose to work with a mentor or to discuss your results with another The
Company member.
ELECTRONIC NEWSLETTERS AND REMINDERS
The Company offers free and registered member electronic newsletters on
a variety of topics. If you choose to subscribe to any of these newsletters,
currently the only information you will be required to provide is a valid
email address, except in the case of certain newsletters where you may
also be required to provide certain non-personally identifiable information
that enable The Company customize the newsletter with topics of interest
to you. In order to receive these newsletters you must opt-in to receiving
them. Generally, The Company does not share mailing lists from its electronic
newsletters with third parties. However, in some situations, The Company
may share its newsletter mailing lists with third parties who provide
newsletter and/or reminder fulfillment services on behalf of The Company.
In these instances, such third parties will be bound by the terms of this
Privacy Policy. Additionally, The Company may provide third parties with
a list of The Company members and visitors who have opted-in to receiving
additional information from third parties.
In those instances where you opt-in to subscribe to a newsletter
through a third-party email service or advertiser or partner, the email
address information sometimes will be located on the third party's server.
In those cases, any information you provide is subject to that entity's
Privacy Policy, not this one. Some of our partners' and advertisers' sites
require that you specifically opt-out from receiving their newsletters.
As a result, to stop receiving them you will need to affirmatively opt-out
from the third party newsletter.
CHAT ROOMS/MESSAGE BOARDS/BULLETIN BOARDS/MENTOR FORUMS
Throughout The Company various public forums such as chat rooms, message
boards, "ask the expert" areas and various question and answer
areas are available to you as a registered The Company member.
Please remember that any information you disclose in these
public forum areas becomes public information and is immediately accessible
on The Company, so it is important for you to exercise discretion and
appropriate caution when deciding to reveal personal information in these
areas. The Company may decide to utilize the content of Q&A's, interactions
with experts, and/or chat room and message board content throughout The
Company and in promotions in order to enhance The Company's editorial,
advertising and public relations efforts.
SURVEYS AND POLLS
Our surveys ask for opinions on various issues and very often these surveys
and polls are sponsored by or associated with The Company advertisers
and partners. Occasionally, we may request demographic information (like
zip code, age or gender). Most information obtained through surveys and
polls is aggregated and used internally or shared with advertisers and
partners only in the aggregated form. In the event personally identifiable
information is requested as part of surveys or polls about any The Company
member or subscriber, such personally identifiable information is never
provided to third parties without your consent. In these instances you
may expressly choose to receive information from a sponsor, in which case
your information is provided to that sponsor only. Some survey answers
may be added to your member profile (so that we can better provide you
with content, ads and offers that are most appropriate for you).
LINKS TO PARTNER AND ADVERTISER SITES
The Company contains links to advertiser and partner websites. We cannot
be responsible for the privacy practices or the content of such non-The
Company websites, and we do not control the practices of any of our advertisers
or partners to whom we are linked.
In order to participate in the partner and/or advertiser supplied services
and tools you may be required to provide personally identifiable information
to the advertisers and partners whose tools and services you have chosen
to interact with. Each advertiser and partner will request different information
from you.
The information you provide via links to co-branded pages,
co-branded sites, third party sites or tools may be shared with advertisers
and partners on an aggregated basis and in these instances your permission
will not be requested since no personally identifiable information will
be shared or provided to these third party sponsors or advertisers. The
Company will, however, use commercially reasonable efforts to contractually
require all such third party advertisers and partners to agree not to
use any non-personally identifiable information about you, in conjunction
with other sources of information, or otherwise, to identify you.
If you have additional questions about how one of our advertisers,
partners or sponsors use information about you, we urge you to contact
them directly.
The Company OPT-IN/OPT-OUT POLICY
Upon registration or from time-to-time, you may be asked to indicate whether
you are interested in receiving information from us about special offers
or news about our sites and advertisers. You will also be provided with
the opportunity to opt-in to receive offers directly from select companies
other than The Company. If you do choose to receive these communications
by means of an opt-in, we will occasionally send you an email message
that matches your request(s). You may, of course, always choose not to
receive any of this information from us. We currently provide the following
opt-out opportunities:
Upon registration, you can choose to receive only membership
information emails.
At any time, you can follow a link provided in every newsletter or email
message (except for e-commerce confirmation emails) to unsubscribe from
that mailing list or email service.
At any time, you can contact us through feedback@americancib.net
to have your contact preference changed to "Do Not Contact Me."
Please note that The Company reserves the right to contact
you in the event of a change in the The Company Terms of Service and/or
this Privacy Policy.
CHANGE/MODIFY/ARCHIVED INFORMATION
The Company provides you with the ability to access, correct or change
certain information in your member registration profile at any time, including
contact information or other information you've provided to us. However,
you cannot currently change your member name although you may re-register
and choose a new name. Please be advised that The Company currently archives
information it collects on its members and visitors.
PRIVACY POLICY CHANGES
We will not make new use of any personally identifiable information which
The Company gathered from individual members or visitors prior to any
such significant change in our Privacy Policy without first obtaining
the member's or visitor's consent for any new uses. In instances where
we ask for your personally identifiable information and we tell you the
data we are collecting on that page will be shared with third parties,
and in cases where a member, visitor or subscriber to the The Company
opts-in to share his/her information with third parties, those disclosures
and opt-ins will override anything to the contrary in this Privacy Policy.
In addition, The Company reserves the right to make non-significant changes
to our Privacy Policy that will not affect The Company's use of a user's
personally identifiable information at any time without any notice to
you other than posting any such changes in a revised Privacy Policy on
the The Company web site. We encourage you to periodically review our
Privacy Policy to be sure you are familiar with the most current version.
The Policy will include the most recent date in which any revision has
been made.
CONTACT INFORMATION
If you have questions about this Privacy Policy or anything else about
The Company, you can contact us by clicking the link below.
Privacy policy updated: Feburary 7th 2008
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