Personal Information includes information you provide us that can be used to uniquely identify or contact a single person, such as your name, address, email address, phone numbers and Social Security Number.
We may supplement the Personal Information you provide with Personal Information available from other sources, such as credit bureaus, public databases, data aggregators, and other commercially-available sources.
You may provide us a variety of Personal Information, including your name, mailing address, email address, phone number, payment information, and Social Security Number.
The Personal Information we collect allows us to verify your identity, deliver requested products, services and information to you, to stay in contact with you, and to manage our relationship with you. By providing us with Personal Information, you consent to our transfer and storage of that information.
We also may use your Personal Information for research, development, and analysis, and for advertising, marketing, product and service offerings, security, fraud prevention, and other business activities.
For example, we may use your email address to:
We have a zero tolerance policy for email abuse. If you receive unsolicited emails from us please report it to us. We are not responsible for communications you may receive from non-affiliated third parties.
We will never ask you to provide Personal Information in an email. DO NOT RESPOND to an email that appears to be from us requesting Personal information. Contact us immediately at 800-822-8366.
Non-Personal Information is information in a form that does not allow for direct association with a specific person. This information is compiled and analyzed on both a personal and an aggregated basis. We may collect, use, monitor, analyze, transfer, and disclose Non-Personal Information for any purpose.
Non-Personal Information includes:
Device Information – We may collect specific information for the device you use to access our website. For example, we may collect device model, operating system version, application software, and fonts.
Log Information – When you visit our website, we collect certain information automatically and store it in log files. This information includes IP address, browser version, ISP data, referring and exit pages, operating system version, date / time stamps, cookie data, and clickstream data. We use Log Information to administer the website, analyze trends, maintain site security, learn about user behavior, and improve the overall quality and availability of the site.
Click-Through URLs – In some email messages, we use a Click-Through URL to link to content on our website. When you click one of these URLs, you pass through a separate web server before reaching our site. We use Click-Through URLs to help us determine interest in a particular topic and to measure the effectiveness of our email communications.
We do not share Personal Information with businesses or individuals outside of CreditPal.com, except under the follow circumstances:
Consent – We will share your Personal Information with others when we have your consent to do so.
Service Providers – We provide Personal Information to related companies and other trusted businesses or persons who use, analyze, or process it on our behalf, based on our instructions and in compliance with appropriate confidentiality and security measures. For example, we may use others to:
Legal Reasons – We will share Personal Information with others if we have a good-faith belief that disclosure is necessary or appropriate to:
In the event of a reorganization, merger, or sale we may transfer any and all personal information we collect to the relevant third party.
We may share Non-Personal Information publicly and with our strategic partners. For example, we may share Non-Personal Information to describe the size and success of our company.
You may find additional information, opt-out of, or otherwise customize display advertising from web platforms by visiting the web platform’s ads preference manager.
You may find additional information and opt-out of other participating third-party display advertising by visiting the Network Advertising Initiative opt-out page.
We may use third-party analytics companies, such as Google Analytics, Adobe, and Omniture to analyze and understand user behavior when visiting our website.
You may find additional information and opt-out of Adobe Analytics by visiting the Google Analytics opt-out browser add-on.
You may find additional information and opt-out of Omniture Analytics by visiting the Adobe opt-out page.
You also may disable cookies within your browser. Please note, however, that certain features of the CreditPal.com website will not function properly or be available once cookies are disabled.
Plug-ins for social networks, such as Facebook, Twitter, LinkedIn, Yahoo, Windows and Google plus (among others), are integrated on CreditPal.com’s website.
By interacting with us through a social media plug-in, certain information will be transmitted to the related social network, and you permit us to have on-going access to information from your social network profile.
We take precautions to safeguard your Personal Information from loss, theft, and misuse, as well as unauthorized access, disclosure, alteration, and destruction. These precautions include technical, physical, and administrative procedure.
Because email and instant messaging are not recognized as secure communications, we request that you not send private information to us by email or instant messaging services.
We are committed to working with appropriate regulatory authorities to resolve any complaints regarding the transfer of Personal Information that we cannot resolve with you directly.
We use Secure Sockets Layer (SSL) encryption on all pages where Personal Information is collected. This protects the confidentiality of your Personal Information while it is transmitted over the Internet.
For your own protection, you should exercise care with the information you share over the Internet. You should always use a secure browser and exercise good judgment in using passwords, such as using a combination of upper and lower case letters, numbers, special characters, and you should avoid using the same or similar passwords across multiple sites. We recommend using a password between 12 and 16 characters long.
You may access your Personal Information by logging into your account. We make good-faith efforts to give you ways to update or to delete your Personal Information quickly, unless we need to keep that information for a legitimate business or legal purpose. Some changes require personal contact with an assigned CreditPal.com representative.
We may reject requests to change or delete information that are unreasonably repetitive, require disproportionate technical effort (for example, requiring the development of new systems or fundamental changes to existing systems), risk the privacy of others, or would be extremely impractical (such as information stored on backups).
We work to protect data from accidental or malicious destruction. Accordingly, we may not immediately delete or change residual copies and we may not delete or change information from our backup systems. Unless a disproportionate effort is required, we will provide information access and correction without charge.
We do not knowingly collect Personal Information from children under 13. If we learn that we have collected the personal information of a child under 13, we will take steps to delete the Personal Information as soon as possible.
Should you no longer wish to receive our emails, you may click on the unsubscribe link located in the footer of each email received or at email-preferences.
You may be placed on our internal Do Not Call List by contacting us at 800-822-8366.
Last Updated March, 18 2020