I. Notice II. Personally Identifiable Information That We Collect III. E-mail Newsletter Subscriptions IV. Contact Permission; Unsubscribing from Emails, Phone Calls and/or Text Messages V. Special Promotions and Purchases; Submission of Content to be Published VI. Information Collected by Other Means or Media VII. Information About Other People VIII. Customer Service IX. Non-Personally Identifiable Information That We Collect X. Cookies and Related Technology XI. Special Notice Regarding Children Under 13 XII. Use, Disclosure, and Sharing of Information a. Non-Personally Identifiable Information b. Personally Identifiable Information XIII. Our Commitment to Data Security XIV. Hyperlinks To and From Other Sites XV. Consent to Processing in the United States XVI. Contact Us Regarding Privacy XVII. Notification of Changes
____________________________________________________________________________
I. Notice
The "Website" refers to this website, its subdomains, and related domains. This Website is owned or
operated by Credit Repair Connect and/or its subsidiary companies in the United States of America
(collectively, "Credit Repair Connect"). This privacy policy ("Privacy Policy") applies to information that
you provide to Credit Repair Connect or is collected about you via this Website and/or by your use of
services (collectively, the "Services") that may be provided by this Website or by the Company via some
other means, including as set forth below and as defined in the applicable Terms and Conditions or other
terms.
This Privacy Policy is intended to provide you notice of Credit Repair Connect's information management
practices, including the types of information gathered, how it is used and safeguarded, and the degree
to which you may control the maintenance and sharing of your information. Your use of any Credit
Repair Connect Service or Website constitutes acceptance of this Privacy Policy and any other applicable
terms. This Privacy Policy is part of and incorporated by reference into the Terms and Conditions for this
Website.
II. Personally Identifiable Information That We Collect
Credit Repair Connect 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.
Please note that we have the ability to retain any data that you provide on this website, even if you do
not complete your registration / transaction by clicking submit / next or by giving any other indication
of transmissions. Such contact details and data may be used to contact you to inquire why you did not
complete your registration/transaction or market other products or services to you as described in this
Privacy Policy.
III. E-mail Newsletter Subscriptions
To subscribe to our e-mail newsletters, if any, you will need to provide your e-mail address. You may also
be asked for other information when you subscribe.
IV. Contact Permission; Unsubscribing from Emails, Phone Calls and/or Text Messages
By providing us with your information, you are granting us the right to contact you or use your
information as set forth in this Privacy Policy, including but not limited to as set forth in Section XII. We
are in the business of identifying the needs of prospective clients for other third parties, and providing
information to those third parties so that they may offer goods or services to the prospective clients.
By entering our web-site, you are consenting to our sharing of the above-described information to third
parties who will use that information to offer you goods or services.
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, directions to "opt-out" of such shall either be provided in the text messages, at
the time you provide information or consent to receive a text message, or in your agreement with your
wireless provider.
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 Credit Repair Connect reserves the right to contact you regarding your use of this Website, your
relationship with the Credit Repair Connect, or any of the Credit Repair Connect's products or Services
you have purchased or used.
V. Special Promotions and Purchases; Submission of Content to be Published
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 Credit Repair Connect 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, Credit Repair Connect
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 Credit Repair Connect 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).
VI. Information Collected by Other Means or Media
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 Credit Repair Connect
content, or purchase such content via your wireless carrier or through another third party, the Credit
Repair Connect 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 Credit Repair Connect will
apply this policy to any personally identifiable information.
VII. Information About Other People
Some Credit Repair Connect 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.
VIII. Customer Service
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.
IX. Non-Personally Identifiable Information That We Collect
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. Credit Repair Connect 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.
In many cases, Credit Repair Connect will automatically collect certain non-personally identifiable
information about your use of its' Websites and Services. Credit Repair Connect might collect, among
other things, information concerning the type of Internet browser or computer operating system you are
using, the domain name of your Internet service provider, your "click path" through the Website or "click-
through" from an e-mail, the Website or advertisement that was linked to or from the Websites when
you visited, and your IP address. To do this, Credit Repair Connect may use cookies and other technology
(see below). If you are using our wireless Services, we may also automatically collect information such
as the type of wireless device you are using, your mobile identification number (assigned by your
telecommunications carrier) and telecommunications carrier. Your use of our Websites and Services,
and information provided through these technologies, will be anonymous unless you provide us with
personally identifiable information or have provided such information in the past.
X. Cookies and Related Technology
This Website's pages or e-mail messages may contain cookies, web beacons (also known as clear gifs), or
similar technologies as they become available. Cookies are information files that this Website may place
on your computer to provide extended functionality. The Credit Repair Connect may use cookies for a
number of purposes, such as tracking usage patterns on the Website, measuring the effectiveness of
advertising, limiting multiple responses and registrations, facilitating your ability to navigate the Website
or as part of a verification or screening process. Most browsers are initially set up to accept cookies. Most
browsers will allow you to erase cookies from your computer hard drive, block acceptance of cookies, or
receive a warning before a cookie is stored. You should refer to your browser instructions, "Help" screen,
or similar such resource to learn more about how to manage cookies and possibly reset your browser
to refuse all cookies or to indicate when a cookie is being sent by indicating this in the preferences,
options, or similar such menu in your browser. However, it is possible that some parts of this Website will
not operate correctly if you disable cookies and you may not be able to take advantage of some of this
Website's features or the Services. You should consult with your browser's provider/manufacturer if you
have any questions regarding disabling cookies.
The Credit Repair Connect's web pages may include advertisements for third parties and their products,
and those third-party advertisements may include a cookie or web beacon served by the third party. The
Credit Repair Connect does not control cookies in such third party ads, and visitors are encouraged to
check the privacy policies of advertisers and/or ad services to learn about their use of cookies and other
technology. The Credit Repair Connect's Privacy Policy does not cover the use of information collected
from you by third party ad servers. These companies may use information (not including your name,
address, e-mail address or telephone number) about your visits to this and other Websites in order to
provide advertisements on this site and other sites about goods and services 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 Credit Repair Connect 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 Credit Repair Connect may include web beacons in e-mail messages in order to count how many
messages sent were actually opened, acted upon or forwarded.
XI. Special Notice Regarding Children Under 13
Credit Repair Connect recognizes the sensitivity of personally identifiable information concerning children
under the age of 13 and therefore provides this special notice. Credit Repair Connect 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, Credit Repair
Connect 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, Credit Repair Connect
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@CreditRepairConnect.com and be
sure to include in your message the same User Name and password and/or e-mail address that your child
submitted.
Credit Repair Connect encourages parents and guardians to spend time online with their children to
become familiar with the types of content available on the Credit Repair Connect Web sites and the
Internet generally.
XII. Use, Disclosure, and Sharing of Information
a. Non-Personally Identifiable Information
From time to time, Credit Repair Connect may use and share with third parties aggregate, non-personally
identifiable user information to show general demographic and preference information among users of
the Credit Repair Connect 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). Credit Repair Connect 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.
b. Personally Identifiable Information
Credit Repair Connect 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 Credit Repair Connect 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 Home Ownership Group, we may contact you
in an effort to help you sign up for Home Ownership Group or send you other emails with details about
Home Ownership Group 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 in the Terms and Conditions, you will be deemed to have consented to the disclosure to, and
use by, a subsequent owner or operator of a Credit Repair Connect Website or Service, of any information
about you contained in the applicable Credit Repair Connect database, if Credit Repair Connect or one of
its affiliates assigns its rights and obligations regarding any of your information at the time of a merger,
acquisition, or sale of all or substantially all of Credit Repair Connect or such Credit Repair Connect's
assets related to the applicable Website or Service to a subsequent owner or operator. In the event of
such a merger, acquisition, or sale, your continued use of the Website or any related Service signifies your
agreement to be bound by the Terms and Conditions, California Privacy Policy and Privacy Policy of the
Website's or Service's subsequent owner or operator.
The Credit Repair Connect and its companies may work together in order to provide portions of the Credit
Repair Connect Websites and some Services (e.g., to fulfill prizes won in a sweepstakes, or to provide
other support for a Service). These companies will handle your personally identifiable information in
accordance with this Privacy Policy.
As stated above in Section V, Credit Repair Connect 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 Credit Repair Connect 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 Credit Repair Connect 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.
Please note that whenever you opt in to receive future communications from a third party, your
information will be subject to the third party's privacy policy. If you later decide that you do not want
that third party to use your information, you will need to contact the third party directly, as we have no
control over how third parties use information. You should always review the privacy policy of any party
that collects your information to determine how that entity will handle your information.
Credit Repair Connect will not share, sell, rent, or disclose any personally identifiable information that we
have collected except as stated herein, or in the following instances: 1) we have been given your consent
to disclose; 2) we have previously informed you of the disclosure, including by means of our Privacy Policy
or on the Website, or through the Service where you provided your information; 3) we are required
by law, legal process, or court order to disclose; 4) disclosure is necessary to identify, contact, or bring
legal action against someone who may cause or be causing harm to, or interference with, Credit Repair
Connect's rights or property, other Credit Repair Connect Website users, or anyone else; or 5) to respond
to an inquiry, request or complaint that you have made. Credit Repair Connect may also use IP addresses
in cooperation with Internet service providers to identify users if we deem it necessary to comply with
law, to enforce compliance with this Privacy Policy or our Terms and Conditions, or to protect our sites,
customers, or others.
XIII. Our Commitment to Data Security
While Credit Repair Connect 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, Credit Repair Connect cannot guarantee that
unauthorized access, hacking, data loss, or other breaches will never occur. Your use of the Credit Repair
Connect Websites and Services is at your own risk. Credit Repair Connect 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 Credit Repair Connect sensitive or confidential information (for example, credit card
numbers for Purchases), Credit Repair Connect will take commercially reasonable steps to protect the
information by establishing a secure connection with your Web browser. Credit Repair Connect 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.
XIV. Hyperlinks To and From Other Sites
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 Company 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.
XV. Consent to Processing in the United States
By providing any personally identifiable information to Credit Repair Connect, all users, including, without
limitation, users in the member states of the European Union, fully understand and unambiguously
consent to this Privacy Policy and to the collection, storage, and processing of such information in the
United States of America.
XVI. Contact Us Regarding Privacy
Credit Repair Connect is dedicated to protecting your personally identifiable information and welcomes
comments and questions on this Privacy Policy. You may fax, email or mail us your questions or comments
to:
Credit Repair Connect Customer Service
P.O. Box 26 Pasadena, CA 91102-0026
Fax: (213) 799-2464
info@CreditRepairConnect.com
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.
XVII. Notification of Changes
Credit Repair Connect reserves the right to change this Privacy Policy and its Terms and Conditions at any
time. In case of any material change to the Privacy Policy, we will replace the "Privacy Policy" link on the
home page of our sites with a link entitled "Updated Privacy Policy" for no less than 30 days. All changes
to the Privacy Policy and/or Terms of Service will be effective when posted, and your continued use of any
Credit Repair Connect Website or Service after the posting will constitute acceptance of, and agreement
to be bound by, those changes.