LAST UPDATED: JUNE 7, 2015
- Information collected through media other than our Services;
- Information collected through media other than our Services;
We might receive or collect several types of information about you, such as the information described below. The following are situations in which you may provide Your Information to us:
- When you fill out forms or fields through our Services;
- When you sign up for any newsletters or other materials through our Services;
- When you provide information to us through a third-party application, service or website;
- When you communicate with us or request information about us or our Services, whether via email or other means;
- When you participate in online surveys;
- When you participate in any of our marketing initiatives, including, contests, events, or promotions; and
- When you participate in forums or provide user generated content or submissions.
We may collect information about you from sources other than you, such as from social media websites (Facebook, LinkedIn, Twitter, etc.), weblogs, other users and our business partners.
We may collect, receive and store information regarding your general use of our Services (such as details of how and when you used our Services, interactions with our Services, log in information, resources that you access, your Internet protocol address, your browser type, and your device type), as well as your preferences.
When you use our Services through your computer, mobile phone or other device, we may collect information regarding and related to your device, such as hardware models and IDs, device type, operating system version, the request type, the content of your request and basic usage information about your use of our Services, such as date and time. In addition, we may collect information regarding application-level events and associate that with your account to provide customer service. We may also collect and store information locally on your device using mechanisms such as browser web storage and application data caches.
If you enable the collection of location information on your device, then we may collect information about your actual location, such as your mobile device’s GPS coordinates. We may also use other technologies to determine your location (such as through the location of nearby Wi-Fi access points or cell towers), or obtain your location information from third parties.
We may collect your phone number in several ways such if you submit your phone number to us through our Services, by capturing your phone number if you call us or if a third party provides your phone number to us.
Technologies such as cookies, beacons, tags and scripts are used by GoodCredit.com and our partners, affiliates, advertisers, analytics teams, or service providers. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
We use Local Storage Objects (LSOs) such as HTML5 to store content information and preferences. Third parties with whom we associate to provide certain features on our site or to display advertising based upon your Web browsing activity use LSOs such as HTML5 to collect and store information.
We may participate in, associate with, or use advertising networks, such as third-party advertising servers, advertising agencies, technology vendors and research firms (for example, Google AdSense to publish ads on our Services). When you view or click on an ad, a cookie will be set to help better provide advertisements that may be of interest to you on this and other Web sites. In addition, we may use third-party advertising networks to serve advertisements to you on our Web site, or to manage our advertising on other sites. Our third party associates may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests. This practice is often referred to as “online behavioral advertising.”
WE MAY MAKE USE OF YOUR INFORMATION FOR VARIOUS LAWFUL BUSINESS PURPOSES, INCLUDING USING YOUR INFORMATION TO:
- Engage in customer support. For example, we might confirm and complete transactions requested by you, verify information you provide to us and provide you with administrative notices.
- Contact you and provide you with information. For example, we might provide or contact you through telephone, email, postal or other communications with Service updates, promotional materials, surveys, offers, quotes, personalized information and other information from us or our business partners.
- Analyze, improve and manage our Services and operations. For example, we might obtain feedback regarding our Services, understand and anticipate your needs and preferences, better understand your use of our Services, customize and tailor Service content and advertising, improve our marketing and promotional efforts, engage in statistical analysis and provide feedback to our vendors, advertisers and other third parties.
WE WILL SHARE YOUR PERSONALLY IDENTIFIABLE INFORMATION WITH THIRD PARTIES ONLY IN THE WAYS THAT ARE DESCRIBED IN THIS PRIVACY PPOLICY. WE MAY DISCLOSE YOUR INFORMATION:
- To any person who, in our reasonable judgment, is authorized to receive Your Information as your agent, including as a result of your business dealings with that person (for example, your attorney);
- To our third-party vendors so that they may provide support for our internal and business operations, including for the handling of data processing, data verification, data storage, surveys, research, internal marketing, delivery of promotional, marketing and transaction materials, and our Services’ maintenance and security. These companies are authorized to Use Your Information only as necessary to provide these services to us and are contractually obligated to keep Your Information confidential;
- To third parties such as insurance providers when you use our Services to request a quote, services, or information from one or more of those third parties (“Requested Service Providers”), such as by clicking “get your quotes” or other similar buttons at the end of a form, and we may be compensated for such disclosure;
- To third parties that are interested in contacting you or providing offers to you that may be related to our Services or about products or services you may find of interest, and we may be compensated for such disclosure;
- As required by law or ordered by a court, regulatory, or administrative agency;
- As we deem necessary, in our sole discretion, if we believe that you are violating any applicable law, rule or regulation, or are otherwise interfering with another’s rights or property, including, without limitation, our rights or property;
- If requested by authorities in the event of any act of terrorism or instance of local, regional or national emergency;
- To enforce or protect our rights;
- In connection with a Business Transfer, as defined below; and
- To our affiliated companies (i.e., companies under common control or management with us).
If you do not want Your Information shared as described above, then you should not provide us with Your Information.
As noted above, we may share Your Information with Requested Service Providers when you use our Services to request a quote, services or information from one or more third parties (a “Request”). IF YOU SUBMIT A REQUEST, REQUESTED SERVICE PROVIDERS MAY CONTACT YOU DIRECTLY WITH QUOTES VIA MAIL, TELEPHONE, TEXT MESSAGE, FAX, EMAIL AND OTHER MEANS OF COMMUNICATION. YOU MAY RECEIVE TELEMARKETING CALLS AS A CONSEQUENCE OF SUBMITTING A REQUEST THROUGH OUR SERVICES, EVEN IF YOU ARE ON THE NATIONAL DO NOT CALL REGISTRY OR ANY OTHER DO NOT CALL REGISTRY.
If you are matched with Requested Service Providers, you expressly consent to the Requested Service Providers conducting any research necessary to provide you with quotes for your Request. Requested Service Providers may need to share Your Information to conduct such research. For example, if you request mortgage quotes, consumer reports may be ordered in connection with your insurance application. Such reports may provide information that may assist in determining eligibility for a mortgage and the terms for the mortgage. If you do not want Requested Service Providers to conduct necessary research to provide you with a quote for your Request, then you should not submit a Request.
If you submit a Request through our Services and we share Your Information as described above in connection with your Request, you will not have the opportunity to opt out of the disclosure of Your Information in connection with that Request.
We may take Your Information and either combine it with information about other individuals (aggregating Your Information with information about other individuals), or remove characteristics (such as your name) that make the information personally identifiable to you (de-identifying Your Information). We reserve the right to share, loan, rent, sell, or otherwise disclose such information to third parties at any time, for any lawful purpose, without notice or compensation to you.
You must be at least 18 years of age to register with or use certain portions of the Services. The Services are not intended for children under 18 years of age. No one under 18 years of age may provide any personally identifiable information to or on the Services. We do not knowingly collect personally identifiable information from children under 18. If you believe that we may have any information from or about a child, please contact us at support@GoodCredit.com.
We offer publicly accessible blogs and other interactive media through our Services. To request removal of Your Information from our blog or community forum, contact us at support@GoodCredit.com. In some cases, we may not be able to remove Your Information, in which case we will let you know if we are unable to do so and why.
WE STRIVE TO PROVIDE YOU WITH CHOICES REGARDING THE PERSONALLY IDENTIFIABLE INFORMATION YOU PROVIDE TO US. BELOW ARE SOME MECHANISMS THAT PROVIDE YOU WITH CONTROL OVER CERTAIN INFORMATION:
- Email Offers from Us: If you do not wish to receive email offers or newsletters from us, you can opt out of receiving email information from us (other than emails related to the completion of your registration, correction of user data, change of password and other similar communications essential to your transactions through our Services) by using the unsubscribe process at the bottom of the email.
- Accessing and Correcting Personally Identifiable Information: If a portion of our Services allows you to create an account with us, then you can review and update Your Information by logging into that portion of our Services, visiting your account profile page and making changes. We will retain Your Information for as long as your account is active or as needed to provide you services and as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
- Log Files: Various browsers may offer their own management tools for removing HTML5 LSOs.
- Online Behavioral Advertising: If you wish to not have third party advertisers collect your information for the purpose of serving you interest-based ads, you may opt-out. In addition, certain third-party advertising networks that deliver behavioral advertising are members of the Network Advertising Initiative (“NAI”). You can prevent NAI member companies from collecting preference data about you. You may also opt-out of Google Adsense’s use of its cookie by visiting Google’s Advertising and Privacy page. These opt-outs do not opt you out of being served ads. You will continue to receive generic ads.
Our Services are operated in the United States. If you are located in the European Union, Canada or elsewhere outside of the United States, any information you provide to us will be transferred to the United States. By using our Services or providing us with Your Information, you consent to this transfer.
If you have questions or concerns about our privacy practices or wish to make a request regarding Your Information, please contact us at support@GoodCredit.com.
SPECIAL NOTIFICATION FOR CALIFORNIA RESIDENTS
—Your California Privacy Rights
INDIVIDUALS WHO ARE RESIDENTS OF CALIFORNIA AND HAVE PROVIDED THEIR PERSONALLY IDENTIFIABLE INFORMATION TO US MAY REQUEST INFORMATION REGARDING OUR DISCLOSURES, IF ANY, OF THEIR PERSONALLY IDENTIFIABLE INFORMATION TO THIRD PARTIES FOR DIRECT MARKETING PURPOSES. SUCH REQUESTS MUST BE SUBMITTED TO US AT SUPPORT@GOODCREDIT.COM OR IN WRITING AT:
- John E. Cargill, attorney-at-law
124 St. Mary’s Street
Raleigh, NC 27605
- Facsimile number of designated agent: (888) 789-4192
- Email address of designated agent: john@johnEcargill.com
- California privacy rights requests must include the reference “Request for California Privacy Information” on the subject line and in the body of the message and must include the email address or mailing address, as applicable, for us to send our response. This request may be made no more than once per calendar year. We reserve the right not to respond to requests submitted other than to the address specified above.