CreditScoresIQ respects your privacy and is committed to protecting personally identifiable information that you provide in connection with your use of its Websites and Services. Such personally identifiable information collected includes your name, shipping address, billing address, telephone numbers, e-mail address and payment information such as your credit card number.
You can unsubscribe from receiving commercial e-mail from the Website by clicking the link contained within such e-mails sent to you.
When you receive a call from us regarding our products and services, you may indicate you do not wish to receive future marketing calls.
Regarding text messages, a. if you provide us a mobile phone number, you authorize us to send you SMS messages, b. standard message and data rates apply, c. at anytime you can text to 71441 the word 'HELP' to get more information or 'STOP' to cancel your account, d. message frequency depends on account settings, e. customer support: info@CreditScoresIQ.com,
You should be aware that it is not always possible to completely remove or modify information in our databases. In addition, even if you choose to unsubscribe, not receive calls, or not receive text messages, the CreditScoresIQ reserves the right to contact you regarding your use of this Website, your relationship with the CreditScoresIQ, or any of the CreditScoresIQ's products or Services you have purchased or used.
To participate in some Services such as sweepstakes, contests and surveys ("Special Promotions"), or to make online purchases ("Purchases"), you will need to provide personally identifiable information, such as name, mailing address, e-mail address, phone number, and date of birth. Your information may be collected by CreditScoresIQ or by a third party, such as a co-sponsor or a vendor involved in, or providing services in connection with, a Special Promotion, a complimentary service offering, or an e-commerce partner in the case of a Purchase.
If you make a Purchase or enter a sweepstakes or other Special Promotion on one of our sites, through our Services, or on or through a site or service of third parties we refer you to, CreditScoresIQ will collect your personally identifiable information, and you are deemed to consent to us providing your information to third parties who provide certain services such as processing of credit card transactions, customer service, promotion or sweepstakes administration, order fulfillment and/or prize delivery, or complimentary service offerings, as applicable. (As more fully described below in Section XII, these third parties may use this information for their own marketing purposes and/or from sharing, selling, or otherwise distributing any personal data of our customers, unless you choose to opt in for such additional uses and/or disclosure by the third parties, under their respective privacy policies.). Also, by entering a sweepstakes or other Special Promotion, you are agreeing to the official rules that govern that sweepstakes or other Special Promotion, which may contain specific requirements of you, including, except where prohibited by law, allowing the sponsor(s) of the promotion to use your name, voice or likeness in advertising or marketing associated with the promotion.
If you make a purchase or enter a promotion (such as a sweepstakes) in which CreditScoresIQ is participating on a third party's website (or through some other means or medium), we will collect your information from the third party only if you opt-in to receive additional communications from us, or we are required to fulfill some function in relation to your activity (e.g., to send your order or deliver a prize).
In some situations, we may also collect personally identifiable information and other information about you through other means, directly or indirectly. For example, if you access any CreditScoresIQ content, or purchase such content via your wireless carrier or through another third party, the CreditScoresIQ may collect information directly from you or through the third party. Likewise, if you use our services, or provide information to other companies who share information about their customers, we may collect additional information about you. In each of these cases, the CreditScoresIQ will apply this policy to any personally identifiable information.
Some CreditScoresIQ Websites and Services may ask you to submit personally identifiable information about other people. If you provide us with personally identifiable information of a friend, or your friend provides personally identifiable information about you, to e-mail a feature from the Website, the e-mail addresses you or your friend supply us for those activities will not be used to send you or your friend other e-mail communications unless disclosed at the time you provide the information. A record of that transaction will be maintained as allowed and/or required by law.
Some Services may offer support and technical assistance through customer service centers via telephone, online chat, or e-mail. Whenever you communicate with customer service, you do so with the understanding that an operator may view and make changes to the information in your User Account in order to provide the assistance that you need.
As part of the registration process for some Services, you may be asked to provide information that does not personally identify you. For example, you may be asked to provide information concerning your personal preferences, purchasing habits, and the like. This information is generally optional but may be included in your User Account profile. CreditScoresIQ requests this information to understand you better and to also bring to your attention new services, programs, or offers that may be of interest to you.
A web beacon is a small graphic image that allows the party that set the web beacon to monitor and collect certain information about the viewer of the web page, web-based document or e-mail message, such as the type of browser requesting the web beacon, the IP address of the computer that the web beacon is sent to and the time the web beacon was viewed. Web beacons can be very small and invisible to the user, but, in general, any electronic image viewed as part of a web page or e-mail, including HTML based content, can act as a web beacon. The CreditScoresIQ may use web beacons to count visitors to the web pages on the Website or to monitor how our users navigate the Website, and the CreditScoresIQ may include web beacons in e-mail messages in order to count how many messages sent were actually opened, acted upon or forwarded.
CreditScoresIQ recognizes the sensitivity of personally identifiable information concerning children under the age of 13 and therefore provides this special notice. CreditScoresIQ is committed to complying with all applicable laws and regulations regarding children, including the Children's Online Privacy Protection Act ("COPPA"). Except in limited circumstances allowed by COPPA, CreditScoresIQ will not knowingly collect, maintain, or disclose any personally identifiable information from a child under 13 without first obtaining consent from that child's parent or legal guardian.
If you are a parent or guardian who has discovered that your child under the age of 13 has submitted his or her personally identifiable information without your permission or consent, CreditScoresIQ will make reasonable efforts to remove the information from its active list, at your request. To request the removal of your child's information, please send an e-mail to info@CreditScoresIQ.com and be sure to include in your message the same User Name and password and/or e-mail address that your child submitted.
CreditScoresIQ encourages parents and guardians to spend time online with their children to become familiar with the types of content available on the CreditScoresIQ Web sites and the Internet generally.
From time to time, CreditScoresIQ may use and share with third parties aggregate, non-personally identifiable user information to show general demographic and preference information among users of the CreditScoresIQ Web sites. When you visit or download information from this Website, our web servers may automatically collect website usage information. Website usage information is non-personally identifying information that describes how our visitors use the Website. It can include the number and frequency of visitors to each web page and the length of their stays, browser type, referrer data that identifies the web page visited prior and subsequent to visiting the Website, and IP addresses (see below for more information on IP addresses). CreditScoresIQ may use IP addresses for a number of purposes, such as system administration, to generally determine your computer's server location, to report aggregate information to our business partners or to audit use of the Website. We also may determine your screen resolution and the technology available in order to serve you the most appropriate version of a web page, e-mail or similar service.
CreditScoresIQ uses information about you to deliver the Services that you request, to keep you informed about changes affecting our Services or your account, to inform you of other Services or offers in which you might be interested, and to improve and enhance our sites and Services. Specifically, when you provide us with your contact information, you are agreeing:
i) to allow us to email you regarding our products and services, and of the products and services of third parties that we associate with or market for;
ii) to call you (either directly or through use of a third party service) regarding our products and services, and of the products and services of third parties that we associate with or market for; and
iii) to text you (either directly or through use of a third party service) through your mobile devices regarding our products and services, and of the products and services of third parties that we associate with or market for.
In the case of sending messages to you via text messaging, you acknowledge and agree that you may be charged fees by your wireless provider pursuant to your agreement with such wireless provider.
If you provide CreditScoresIQ with personally identifiable information, we will take all reasonable and appropriate steps to protect it from unauthorized disclosure.
If you opt in to receive e-mail from us, you can always opt out of future marketing messages by following the directions in each message to "unsubscribe". However, if you choose to opt out of marketing messages, we reserve the right to contact you regarding your account status, technical support, product information, changes to account terms, and any other matter that might affect our service to you and/or any products you purchased from us or registered with us, as applicable.
If you begin but fail to complete the registration process for CreditScoresIQ, we may contact you in an effort to help you sign up for CreditScoresIQ or send you other emails with details about CreditScoresIQ or other services / products that may be of interest. You can always opt out of email messages as described above in Section IV.
As stated above in Section V, CreditScoresIQ may also work with third parties to provide some Services on our Websites. In connection with those Services, you are deemed to consent to us sharing your information with third parties who provide services such as processing of credit card transactions, customer service, promotion administration, order fulfillment and/or prize delivery, as applicable. Third parties who provide, or participate in, Services on CreditScoresIQ Websites are prohibited from using our customers' personally identifiable information for marketing purposes and/or from sharing, selling, or otherwise using such information, unless you choose to opt in to marketing, sharing, or other uses by the third parties. If you do not want your information to be used for marketing (or other purposes unrelated to the provision of CreditScoresIQ Services) by a third party who participates in a Service on one of our sites, do not opt in to such use by that third party when you register to participate in the Service.
While CreditScoresIQ takes reasonable and appropriate precautions to protect your personally identifiable information from unauthorized disclosure and to prevent possible security breaches in our Websites, Services, and customer databases, no website, Internet transmission, computer system, or wireless connection is completely secure. Consequently, CreditScoresIQ cannot guarantee that unauthorized access, hacking, data loss, or other breaches will never occur. Your use of the CreditScoresIQ Websites and Services is at your own risk. CreditScoresIQ urges you to take steps to keep your information safe by memorizing your password or keeping it in a safe place (separate from your account information), logging out of your User Account, and closing your Web browser.
Whenever you give CreditScoresIQ sensitive or confidential information (for example, credit card numbers for Purchases), CreditScoresIQ will take commercially reasonable steps to protect the information by establishing a secure connection with your Web browser. CreditScoresIQ employs a security technology known as a secure-socket-layer ("SSL") to protect the transmission of payment information to the site. Unless otherwise specified herein or on the Website where you make a Purchase, credit card numbers are used only for payment processing and are not retained for marketing purposes.
The Website may frame, and/or contain links to, or advertisements about, other websites. Other websites may also reference, advertise, or link to the Website. The CreditScoresIQ does not endorse or sponsor other websites, is not responsible for the privacy practices or the content of other websites, expressly disclaims any statements or assertions made on such websites, and denies and disclaims all liability associated with your use of, and the content on, such other sites and advertisements.
CreditScoresIQ Customer Service
P.O. Box 26 Pasadena, CA 91102-0026
Fax: (213) 799-2464
Please note that information submitted to the Website via a "contact us,", "info", "help" or other similar e-mail address or form will not necessarily receive a response. We will not use the information provided to these e-mail addresses or forms for marketing purposes unrelated to your request.