170 Commerce Way Suite 200
Portsmouth, NH 03801
Information Collection and Use
:: to process and fulfill your requests for products and services
:: to solicit your opinions and other feedback
:: to conduct research
:: to customize the advertising and content you see
:: to provide anonymous reporting for internal and external clients
We may collect personal information at the following times:
:: when you register to receive communications from this website or any website owned by the owner of ChangeYourCredit.com.
:: when you seek information or apply for products and services offered through this website or any website owned by the owner of ChangeYourCredit.com.
:: when you enter promotions or sweepstakes offered by this website or any website owned by the owner of ChangeYourCredit.com
:: when you provide personal information to us through feedback, survey, or other forms hosted on this site or any website owned by the owner of ChangeYourCredit.com.
:: when you apply for a job with ChangeYourCredit.com.
In addition, we may receive information about you from other sources, such as service providers and unaffiliated third party marketing companies, for tracking purposes. We may add the information we receive about you to your existing account. Like other web sites, we also automatically receive and record certain types of information every time you visit us. We use "cookies" and the other information to enhance your experience and present you with personalized offers. Likewise, we use third-party advertising companies to distribute and track advertisements appearing on our web site. These companies may employ cookies and action tags to measure advertising effectiveness.
Use and Sharing of Your Personally Identifiable Information
Additionally, ChangeYourCredit.com may share Consumer PII in aggregate, non-personal form, with select companies that wish to reach a particular Consumer target audience (e.g., female Consumers between the ages of 25-35, who have an average household income of over $50,000.00). This information will allow these entities to provide relevant offers to specific Consumers.
Finally, ChangeYourCredit.com may disclose Consumer PII in order to: (1) comply with applicable laws; (2) respond to governmental inquiries; (3) comply with valid legal process; or (4) protect the rights or property of ChangeYourCredit.com, the Network Sites or other Consumers of this Site.
By registering and using this Web Site, Consumers acknowledge that the processing of their Consumer PII for the purposes described above may involve the transfer of such PII from within the United States of America ("USA") to countries outside the USA whose data protection regulation may not be as stringent as that within the USA.
When you request quotes or request to be contacted through ChangeYourCredit.com or our other sites that we operate, you are authorizing us to share information with our business partners who will contact you by phone, email, or mail. We may also contact you through any of the above means. If you do not want further communication from them or us, please notify the person or entity that contacts you directly. We reserve the right to make changes in this policy at any time.
You must be at least 18 years old to use this web site. We do not knowingly collect, use, or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you may not use the services offered on our web site unless they are used with the consent, permission and supervision of your parents or guardians.
Cookies and IP Addresses
To serve you more efficiently and effectively, we use "cookies" technology. A cookie is a piece of data stored on the user's hard drive that contains information about the user. Cookies are not way linked to Consumer PII. Once the user closes their browser, a cookie typically terminates. Cookies enable a web site to "personalize" itself for each user and reduce the time it takes for pages to load on your computer. In order to optimize your experience, cookies also help with the collection of customer tracking data. We may also capture customer tracking data on some of our partner's web sites, related to activity involved with the completion of offers listed on our web site. This information is used to monitor the performance of our partners. If you reject cookies, you may still use our site, but your ability to use some areas of our site will be limited. We also keep track of Internet Protocol (IP) addresses and may disclose your IP address during the course and scope of our business. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet.
We employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs) that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movement of Web users. Clear gifs are not tied to users' personal information. We also use clear gifs in our HTML-based emails to let us know which emails the recipients have opened. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. If users would like to opt-out of these emails, please see the Opt-out section within any email you receive from us or unsubscribe from our homepage by clicking here.
If you no longer wish to receive newsletter and promotional communications, you may opt-out of receiving them by following the instructions included in each newsletter or communication or by emailing or calling us per the information contained on our contact page. You may continue to receive email communications from us up to ten (10) business days from the time we receive your unsubscribe request. Please note that ChangeYourCredit.com can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their communications. Although ChangeYourCredit.com only supports permission-based emails, ChangeYourCredit.com does not obligate itself to restrict third parties advertising ChangeYourCredit.com beyond that which is required by applicable law.
Advertisements & Pop Up Windows
On occasion, you may receive advertisements for ChangeYourCredit.com from third parties. These advertisements are served by the third party web site that you have visited or directly from this website or any site owned by the owner of ChangeYourCredit.com. In addition, such advertisements may be placed by third party ad servers or ad networks. We maintain relationships with a number of the third party ad networks currently operating. You may find more information at the web site of either the individual ad network or the network advertising initiative. Your relationships, transactions and any opt-out requests with any such third party are governed by the specific policy such third party has, and not those of ChangeYourCredit.com.
Third Party Links
If ChangeYourCredit.com receives personal information from a third party unrelated to any service offered on our site, the use and disclosure of such information is governed by the agreement (if any) between ChangeYourCredit.com and such third party.
Updating Your Information
If you want to access or update the personal information you submitted to ChangeYourCredit.com please e-mail us at Tim@CreditSolutionsNE.com or write us at the following address.
Attn: Customer Care
170 Commerce Way Suite 200
Portsmouth, NH 03801
Questions and Suggestions
:: By sending an email to: Tim@CreditSolutionsNE.com
:: By sending a letter to:
170 Commerce Way Suite 200
Portsmouth, NH 03801
ChangeYourCredit.com reserves the right to update or modify this privacy statement at any time and without notice. We will not jeopardize your privacy. The provisions contained in this privacy statement supersede all previous notices or policies regarding our privacy practices with respect to this site. Any and all changes will be made here, to this privacy statement. If you do not agree with the changes to how your information will be used, please do not continue to use this web site
Your California Privacy Rights
CALIFORNIA RESIDENTS PRIVACY RIGHTS Companies that collect personally identifiable information ("PII") from California residents and disclose such information to Third Parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having their information shared with Third Parties. We have elected the second option and you may request that your PII not be shared with Third Parties by sending your request, including your full name, email address and postal address to: Tim@CreditSolutionsNE.com, or by mail to California Privacy Information c/o ChangeYourCredit.com, 170 Commerce Way Suite 200, Portsmouth, NH 03801. In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210 or by email to firstname.lastname@example.org.
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.
LAST UPDATED 04-25-2017