Privacy Policy
Effective: October 5, 2011
Acquisition Media, LLC, a Delaware LLC, as the owner and operator of this website, www.creditfriend.com, knows that you care how information about you is used and shared. This notice describes Acquisition Media, LLC’s privacy policy for our web site www.creditfriend.com (hereinafter the “Site”), including all online services and functions. For the purposes of this Agreement, the term “Company” shall refer to Acquisition Media, LLC and the term “Site” shall refer to the site www.creditfriend.com.
ACKNOWLEDGMENT AND AGREEMENT:
Company websites are not intended for the use of any persons under the age of 18, those who are not legal residents of the United States, or those who cannot legally form a binding contract. By using our website or submitting your information in our forms, you consent to the Company’s use and sharing of the information collected or submitted as described in this Privacy Policy. If you are not at least 18 years of age, a valid resident of the United States, are unable to form a legally binding contract, or you do not agree with the terms of the Privacy Policy, do not provide us with any information or use any of the products or services offered or provided on the Company websites or through Company technology.
FEEDBACK:
To submit comments, suggestions, or bugs found please contact creditfriend.com by email at admin@creditfriend.com. We will do our best to respond to email inquiries within 24-48 hours.
YOUR CREDIT REPORTING RIGHTS:
Ordering your credit report at least once a year is an important step in safeguarding your privacy and your overall credit. In addition to ordering your credit report, you should know your credit reporting rights, including your right to (1) obtain your free credit report once a year, (2) know who received a copy of your credit report, (3) dispute any inaccurate information in your credit report, (4) explain the circumstances of any negative information within your credit report, (5) “opt-out” to prevent credit bureaus from using your information for marketing purposes, and (6) complain to the appropriate agency.
The following pieces of information can not be included in your credit report (1) medical information, unless you give your consent, (2) notice of bankruptcy that is more than 10 years old, (3) debts (including delinquent child support payments) that are more than seven (7) years old, and (4) age, marital status or race.
Additionally, you have a right to receive (1) the sources of all information, and (2) identifying information on each person that procured a consumer credit report, including those who received information for (a) employment purposes, during the 2-year period preceding the date the request is made, (b) for any other purpose for the 1-year period preceding the request date. For such information, please contact .
HOW DO WE COLLECT INFORMATION ABOUT YOU AND WHAT INFORMATION DO WE COLLECT?
Website Registration:
You must register (apply) with the Site in order to use the Site’s credit reporting services.
We collect and combine personally identifiable information (“PII”) and non-personally identifiable information (“Non-PII”) through various sources, including those discussed below. For your reference, PII is data collected with an intention to specifically identify, contact or locate a person, including, but not limited to, name, address, telephone number, or email address. Conversely, non-PII is data that is not used to specifically identify, contact or locate an individual, including but not limited to zip code, gender, age, or IP address.
During registration, you will be required to provide information, including, but not limited to, your full name, mailing address, telephone number, email address, date of birth, gender, social security number, and state identification number. This information is vital to the processing of your credit report.
Please note that users can not update or delete previously submitted information. If your information (such as your email address) should change, we ask that you re-submit a registration form or request.
Publisher Partners:
When you complete a registration or offer form that is hosted by one of our website publisher partners on our behalf, the website publisher partner may submit all or a portion of the information that you submitted to the Company. This information may include, but is not limited to: your IP address, email address, name, mailing address, telephone number, date of birth, gender, and payment information; information about your background, interests, health, education, career goals, and shopping preferences; and any other information you provide to our website publisher partner.
Marketing Partners:
We may receive information about you, including but not limited to your IP address, email address, first name, last name, mailing address, and telephone number from third party marketing partners that provide us with consumer data to manage on their behalf.
Automatic Information/Digital Dialers:
We may automatically receive and store certain types of information about your through the data sources listed below.
Cookies:
You may be familiar with the term “cookies”, which are unique alphanumeric identifiers that store information on your computer. A cookie is placed on your computer when your web browser accesses our website. We use cookies for tracking transactions and the user characteristics explained throughout this Privacy Policy. If you choose, there are utilities available for purchase from independent software providers to install on your computer, as well as tools/preferences you can choose through most web browsers to make website visits anonymous. Since cookies allow you to have a more satisfying website experience, we recommend that you leave them turned on.
Some of our business partners (e.g. advertisers) use cookies on our website. We have no access to or control over those cookies. This privacy statement covers only the use of cookies by creditfriend.com and does not cover the use of cookies by any advertisers or business partners.
Web Server Applications:
We also collect information through our web server applications. This information includes your Internet Protocol or “IP” address, date/time stamp, browser type, and referring URL.
Pixel Tracking Technology:
We also employ pixel tracking technology, which tracks the completion of transactions with us or our advertisers, the source information for those transactions, and your IP Address, date/time stamp, browser type, and referring URL.
Government Forms:
The Company may be required to create, collect, maintain, and submit certain information required by the government, such as IRS Forms W-9 and 1099. This information, which may include your taxpayer identification number, will not be used, shared, transferred, or sold for marketing purposes.
HOW DO WE USE THIS INFORMATION:
We may use the PII and Non-PII for any legally permissible purpose in our sole discretion, including but not limited to the following:
Customer Comments/Reviews:
We post customer comments and reviews on our web site which may contain personally identifiable information. We do obtain the customer’s consent via email prior to posting the testimonials to post their name along with their testimonial.
Pre-Select or Pre-Fill Orders:
Our website technology may pre-select certain offers for you to view based on the demographic and geographic information you submitted to the Company during the website registration process. Additionally, this technology may pre-fill some or all of the offers’ data fields with the information you submitted during the website registration process in order to prevent you from having to re-enter this information. We may not show all of the pre-filled data fields to you.
Customer Service and Fulfillment:
We may use your information to operate the website promotion, service to your account and to fulfill rewards earned through the Company’s websites. We may also use your information to verify your identity or claimed account status and where we consider it appropriate, investigate your compliance with the terms and conditions of the website promotion or any advertiser offer. We do retain customer service correspondence.
Marketing:
We may use your information in our online (e.g., email marketing) and offline (e.g. telemarketing, cell phone text messaging, skip tracing, and direct mail) marketing programs. If you would like to be removed from these programs, click here and follow the opt-out instructions.
HOW DO WE SHARE INFORMATION?
We may share the collected PII and Non-PII for any legally permissible purpose in our sole discretion, including but not limited to the following:
Within the company:
We may share information we collect with affiliated companies, including our parent company and other subsidiaries of our parent company, for use in their ad serving and marketing programs. This Privacy Policy does not apply to affiliated companies and their collection, use and sharing of information.
We may also share your information with a third party to host the Site and store data, which may include your information. We may also allow access to the Site by third party contractors for the purpose of maintenance, optimization of our computing, sales, or marketing efforts, and any other purpose which the Company deems beneficial to our business. The employees of any third parties as described below are not under the control of the Company.
Vendors:
We may share your information with various third party vendors that are not part of the Company, including but not limited to vendors that provide us with technology to deploy commercial email, vendors that sell the products or services for which you have qualified through one of our websites, and shipping companies that we utilize to ship products to you.
Advertisers:
When you participate in an offer by completing the form, we will transfer the information you supply to the applicable advertiser either with our own technology or by a 3rd party proxy.
When you answer “yes” or “no” to a survey question, some or all of the information that you submitted during the website registration process will be transferred to advertisers that we believe may be of interest to you without providing you with another opportunity to review the information.
When you select “yes” next to an offer, we will transfer some or all of the information that you submitted during website registration to the applicable advertiser without providing you with another opportunity to review the information, either with our own technology or by a third party proxy.
Ad Serving Companies:
We may use third party ad networks or ad serving companies to serve advertisements on our websites. We pass information about you to these companies so that they can deliver targeted advertisements that they believe will be of interest to you. The information passed to these companies may include, but is not limited to, your IP address, email address, name, mailing address, telephone number, date of birth, gender, and any other information you provide to us. Web pages that are served by these companies will state that they are “powered by” or “ads by” the applicable company and will contain a link to that company’s privacy policy.
Marketing Partners:
We may share, license or sell your information to third parties for various marketing purposes, including their online (e.g., email marketing) and offline (e.g. telemarketing, cell phone text messaging, skip tracing, and direct mail) marketing programs. If you would like to be removed from these programs, click here and follow the opt-out instructions.
Data Enhancement/Appending/Validation:
We may use third party service providers to enhance our database with additional elements, including but not limited to age ranges present in your household, whether you own or rent a home, the length of time you have lived at your residence, whether you are a mail order buyer or responder, household income, and gender. Further, we may use third party service providers to append telephone numbers to other data points we have in our database. We also may use third party service providers to validate the data we have in our database.
Additionally, we may share, license, or sell your information to third parties for use in their data validation, enhancement, information verification services, and, to the extent permitted by law, individual reference or look-up services.
Mobile Policy:
This website, websites linking to this website, and websites linked from this website (collectively “Sites”) may make available a service either directly or through third parties by which you can receive messages on your wireless devise via short message service (“SMS Service”). Your provider’s standard data and messaging rates apply to all SMS correspondence. All charges are billed by and payable to your mobile service provider. You represent that you are 18 years of age and the owner or authorized user of the wireless device on which messages will be received, and that you are authorized to approve the applicable charges. Data obtained from you in connection with the SMS Service may include your name, address, cell phone number, your provider’s name, and the date, time, and content of your messages. The use of this information will be in accordance with the Mobile Policy. If fees are charged to your wireless account invoice, we may provide your carrier with your applicable information in connection therewith. Your wireless carrier and other service providers may also collect data about your wireless device usage, and their practices are governed by their own policies. You acknowledge and agree that the SMS Service is provided via wireless systems which use radios (and other means) to transmit communications over complex networks. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS IS basis. We do not guarantee that your use of the SMS Service will be private or secure, and we are not liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures best suited for your situation and intended use of the SMS Service. You may opt out of the SMS Service at any time by replying "STOP", "END", or "QUIT" to the SMS text message you have received. This process impacts only the future delivery of the particular SMS message offering, so you must send that message for each offering.
Governmental Agencies or Other Companies:
We may share your information with law enforcement officials or governmental agencies (1) in response to their request, (2) when permitted or required by law, or (3) to establish our compliance with applicable laws, rules, regulations, or guidelines.
We may store and share your information with third parties for suppression or opt-out purposes.
We also may share your information with third parties when (1) trying to protect against or prevent actual or potential fraud or unauthorized transactions, (2) investigating fraud that has already taken place, (3) enforcing or applying existing terms and conditions and/or other agreements, (4) protecting the rights, property, or safety of our websites, our users or others, or (5) responding to subpoenas, court orders, or legal process or to establish or exercise our legal rights or defend against legal claims.
In all cases, the information is not provided to these entities or persons for marketing purposes.
Right to Transfer:
Should the Company choose to sell or transfer business assets, it is possible that the information we possess may be transferred as part of that transaction. The Company may decide to retain a copy of the information post sale or transfer.
COMPANY CUSTOMER CHOICES
Marketing Communications
By completing and submitting a Company registration form, you are consenting to receive marketing communications from the Company and its third party marketing partners. If, after you have shared your information with the Company, you decide that you do not want to receive marketing communications from the Company and its third party marketing partners, you can discontinue the communications by clicking here and following the opt-out instructions. If you have registered or submitted information under more than one e-mail account, you must submit separate unsubscribe requests for each account.
WHAT HAPPENS IF I HIT A LINK TO ANOTHER SITE FROM A COMPANY WEBSITE?
Our websites may offer links to other websites. Other websites have their own terms of use and privacy and security policies. If you choose to visit one of these sites, you should review the policies that govern that particular site.
APPLICATION OF THIS PRIVACY POLICY
This Privacy Policy applies to all information collected by or submitted to the Company. Other affiliated entities of the Company may obtain information independently from transactions and experiences with you or from other sources. This Privacy Policy does not pertain to that information.
WHAT IS THE POLICY WITH RESPECT TO COMMUNICATING WITH CHILDREN?
We recognize the unique privacy concerns regarding children. We are committed to carefully protecting privacy where children are involved no matter the point of contact. We do not knowingly collect PII from children under the age of 13. If a parent or guardian is made aware that a child under the age of 13 has provided us with PII through any point of contact, please contact us and we will delete the information about the child referenced from our files.
YOUR CALIFORNIA PRIVACY RIGHTS
Beginning January 1, 2005 under California's "Shine the Light" law, California residents who provide personal information in obtaining products or services for personal, family or household use are entitled to either: (1) a list detailing the categories of information shared and the entities to which such information was provided; or (2) to be notified of a mechanism by which a consumer may opt-out of having their information shared with third parties. We have elected the second option. To opt-out of having your information shared with third parties, click here and follow the opt-out instructions.
SECURITY
There is no such thing as complete security on the Internet or otherwise. The Company uses various security techniques on our websites to help protect against the loss, misuse or modification of information we've collected from you. When you access your personal information or transmit information to us, that information is stored on servers that we have taken steps to protect from unauthorized access or intrusion. While we strive to protect your information, the Company cannot ensure or warrant the security of any information you transmit to us. You acknowledge and assume this risk when communicating with the Company, its partners and affiliates. The transmission of sensitive information collected on our site is encrypted using secure socket layer technology (SSL).
Effective Date: October 5, 2011
Acquisition Media LLC
7144 E. Stetson Drive, Suite 300
Scottsdale, Arizona 85251
