Who we are
Our website address is: https://creditandcents.com.
Credit and Cents respects the privacy rights of our website users and is strongly committed to protecting your privacy. This Privacy Policy applies to this website or any newsletters or other media subscribed to via this website and it describes how we collect, use and disclose any of your personal information in connection with creditandcents.com.
We are pleased to provide this Privacy Policy to inform you of our practices. Please note that we may change this Privacy Policy at any time. Any changes to this Privacy Policy will become effective when we post the revised policy. By accessing or using the website following any such changes, you signify that you accept the revised Privacy Policy.
Our Privacy Objectives
We take privacy very seriously. Our goal is to always be transparent with you while protecting your data to the fullest extent possible.
What personal information do we collect from the people that visit our website?
You may be asked to enter your email address or other details to help you with your experience when submitting a feedback, and/or, if you enroll in our free newsletter.
When do we collect information?
We collect information from you when you give feedback using our site’s Contact Us. We may use that email received to send a response back to your feedback or question as appropriate.
Use of Personal Information
We may use Personal Information:
- to respond to your inquiries and fulfill your requests
- to improve the quality and services of our website
- to customize and personalize the content we deliver to you
- to provide you with information about credit cards, banking, and other products that may be of interest to you
- for any other purpose consented to by you or as permitted or required by applicable law
Information Sharing and Disclosure
Credit and Cents does not rent, sell, or share Personal Information about you with other people or non-affiliated companies, except:
- where consented to by you
- where we believe it is necessary to share information in order to provide a service that you have requested
- to enforce any terms and conditions of service on this website
- in the event of a merger, acquisition, debt or equity financing, restructure, or sale of Credit and Cents assets by or with another company or a similar corporate transaction takes place, we may need to disclose and transfer all information about you, including personal information, to the successor company
- to comply with applicable laws and regulations
Third-Party Service Providers
In certain instances we may also share your personally identifiable information with our third-party vendors performing functions on our behalf – e.g., vendors that administer our promotions, provide us marketing or promotional assistance, analyze our data, assist us with customer service, etc. Our vendors agree to use this information, and we share information with them, only to carry out our requests. In addition, we may share your personally identifiable information with participating sponsors to a program or promotion (e.g., a sweepstakes or contest) you enter via our Websites, and with third parties who assist us in using the content or other information you have posted or shared with us via our Websites (e.g., production companies we may use). Further, we may share your personally identifiable information with third parties such as our co-promotional partners and others with whom we have marketing or other relationships. You may opt-out from receiving future promotional information from us, or direct that we not share your information in the future with any affiliated companies or third parties for their direct marketing purposes, as set forth below in the Contact and Opt-out Information section.
Your Consent
By providing us with Personal Information, you are consenting to our collection, use and disclosure of such information as outlined herein, or by such corresponding Privacy Policy at the time of collection.
Confidentiality and Security
We limit access to your Personal Information to employees, or consultants of Credit and Cents who we believe have a reasonable need to interact with your information to provide the services that we offer, or otherwise to do the jobs we have requested of them. Personal Information you provide to Credit and Cents is kept on secure servers. We take reasonable administrative, technical, personnel, and physical measures to (i) safeguard Personal Information against loss, theft, unauthorized use, disclosure, or modification; and (ii) to ensure the integrity of the Personal Information.
Do we use ‘cookies’?
Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enable the site’s or service provider’s systems to recognize your browser and capture and remember certain information. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.
We use cookies to:
- Understand and save user’s preferences for future visits.
- Keep track of advertisements.
- Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf.
You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Each browser is a little different, so look at your browser’s Help menu to learn the correct way to modify your cookies.
If you disable cookies, some features may be disabled but it mustn’t affect your user experience in any material way.
Third-party links
Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
Third-party cookies
Third party vendors, including Google use cookies to serve ads and other content based on a user’s prior visits to this website. Please click below to learn more.
How Google uses data when you use our partners’ sites or apps.
Google’s use of the DoubleClick cookie enables it and its partners to serve ads based on their visit to this sits and/or other sites on the Internet.
You may opt out of the use of the DoubleClick cookie for interest-based advertising by visiting Ads Settings. You may be also interested to visit this page for instructions how to opt out of a third-party vendor’s use of cookies for interest based advertising.
We use cookies from the following third parties:
- Google Analytics
We use Google Analytics to collect statistical information regarding how the website is used. This information is not personally identifiable.
- Google AdSense
We use Google AdSense to display ads on some of our pages. Google AdSense may use user data. You can review Google’s privacy policy regarding advertising here. That page also provides information on how to manage what information is collected and how to opt out of collection.
- The DoubleClick Cookie
The DoubleClick cookie is used by Google in the ads served on the websites of its partners, such as websites displaying AdSense ads or participating in Google certified ad networks. When users visit a partner’s website and either view or click on an ad, a cookie may be dropped on that end user’s browser.
How to disable cookies
Most modern browsers allow you to control your cookie settings for all websites that you browse. You can disable cookie deployment completely by editing your browser settings, however in doing this you may be limiting the functionality that is displayed on our website. To learn how to disable cookies on your preferred browser we recommend reading this advice posted by Google.
If you are concerned about cookies tracking your movements on the Internet then you may be concerned about spyware. Spyware is the name given to a particular band of cookies that track personal information about you. There are many antispyware programs that you can use to prevent this from happening. To learn more about antispyware software, visit http://en.wikipedia.org/wiki/Spyware. You call also disable Google Analytics on all websites by downloading the Google Analytics Opt-out Browser Add-on.
Contact and opt-out information
If you have (a) questions or comments about our Privacy Policy; (b) wish to make corrections to any personally identifiable information you have provided to us; (c) want to opt-out from receiving future commercial correspondence, including e-mails, from us (we may continue to send you transactional messages such as responding to your inquiries); or (d) wish to withdraw your consent to our future sharing of your personally identifiable information with third parties for their direct marketing purposes, please send us an email through our Contact Us page.
We will respond to your request and, if applicable and appropriate, make the requested change in our active databases as soon as reasonably practicable. Please, note that we may not be able to fulfill certain requests while allowing you access to certain benefits and features of our Websites. Also, if you have made any public postings on the Websites such as in forums or blogs, these communications cannot be generally removed by us.
We Do Not Intend To Collect Data From Children
The information and services provided by us or our affiliates, sponsors, and advertisers are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly used for any marketing or promotional purposes whatsoever, either inside or outside Credit and Cents.
Consent to transfer information to the United States
The Websites are operated in the United States and intended for users located in the United States. If you are located in the European Union, Canada or elsewhere outside of the United States, please be aware that information we collect will be transferred to and processed in the United States. By using the Websites or providing us with any information, you consent to this transfer and processing of your information in the United States.
Changes to the Privacy Policy
Credit and Cents may update this policy at any time by posting revisions on this web page. Such changes will be effective upon posting.
Questions
If you have questions or suggestions, please Contact Us.
