This policy describes the information collection, use, and dissemination practices of ImproveDebt.com, (“ImproveDebt.com”) and applies to ImproveDebt.com’s collection, use, storage and disclosure of information by ImproveDebt.com on its (a) websites, including all its divisions, subsidiaries and related companies (collectively, the “Websites”), (b) on various Third Party websites, and (c) to ImproveDebt.com ‘s other information collection, including the purchase of customer lists from Third Parties. ImproveDebt.com is not responsible for the information collection or privacy practices of Third Party websites or applications.
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 via our contact form on ImproveDebt.com. 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 [email protected]
ImproveDebt.com collects information from individuals by various methods, including, but not limited to, when an individual voluntarily completes a survey, order form, or a registration page either online or offline, or by means of online or offline surveys, order forms, or registration pages operated by Third Parties (collectively, a “Survey”). (As used herein, “online” means using the Internet, including the Websites, and related technologies, and “offline” means by methods other than online, including in person, in the postal mail, using telephones and cell phones, and other similar means.) In the Surveys, ImproveDebt.com or a Third Party (a “Third Party”) may ask an individual to provide various information to ImproveDebt.com, which may include his or her name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, social security number, employment information, personal and online interests, and such other information as may be requested from time to time (together, “Survey Information”). ImproveDebt.com may also collect information concerning an individual from another source and uses that information in combination with information provided from this web site. Completing the Surveys is completely voluntary, and individuals are under no obligation to provide Survey Information to ImproveDebt.com or Third Party, but an individual may receive incentives from ImproveDebt.com or a Third Party in exchange for providing Survey Information to ImproveDebt.com.
“Subscription” occurs when an end-user registers for ImproveDebt.com’s and/or Third Party Advertisers’ services, either via registration at our website, via co-registration at a marketing partner’s website, or via a permission pass / opt-out / no-opt mailing ImproveDebt.com collects personally identifiable information about our subscribers, based on: information gathered at the time of registration, subscriber interaction and response to subsequent electronic mailings and website use, information provided by marketing partners, and information appended from data aggregators. Information collected may include, but is not necessarily limited to: name, email address, postal address, gender, birth date, telephone number, activity, interests, user behavior and other demographic information. This information enables us to better tailor our content to subscribers’ needs and to help our clients to promote and sell their products and services.
ImproveDebt.com collects information from individuals when an individual provides information to a Third Party and ImproveDebt.com subsequently purchases, licenses, or otherwise acquires the information from the Third Party (the “Seller”). Such purchased information may include, but is not limited to, an individual’s name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, industry of employment, personal and online interests, and such other information as the individual may have provided to the Seller (together, “Third Party List Information”). When acquiring Third Party List Information, ImproveDebt.com seeks assurances from the Seller that the Seller has a right to transfer the Third Party List Information to ImproveDebt.com and that the Seller has a right to provide offers from Advertisers to the individuals whose personal information is included on the Seller’s list.
Other occasions when ImproveDebt.com obtains information from individuals include (1) when an individual is making a claim for a prize or seeking to redeem an incentive offered by ImproveDebt.com or by a Third Party, (2) when an individual requests assistance through ImproveDebt.com’s customer service department, (3) when an individual voluntarily subscribes to a service or newsletter; (4) when private information is provided by means of a referral by a third party to ImproveDebt.com or a Third Party Advertiser (together, “Other Information”).
ImproveDebt.com currently uses cookie and web beacon technology to associate certain Internet-related information about an individual with information about the individual in our database. Additionally, ImproveDebt.com may use other new and evolving sources of information in the future (together, “Technology Information”).
A cookie is a small amount of data stored on the hard drive of the individual’s computer that allows ImproveDebt.com to identify the individual with his or her corresponding data that resides in ImproveDebt.com’s database. You may read more about cookies at http://cookiecentral.com. Individuals who use the Websites need to accept cookies in order to use all of the features and functionality of the Websites.
A web beacon is programming code that can be used to display an image on a web page (by using an <img src=”x”> programming function — see http://truste.org for more information), but can also be used to transfer an individual’s unique user identification (often in the form of a cookie) to a database and associate the individual with previously acquired information about an individual in a database. This allows ImproveDebt.com to track certain websites an individual visits online. Web beacons are used to determine products or services an individual may be interested in, and to track online behavioral habits for marketing purposes. For example, ImproveDebt.com might place, with the consent of a Third Party website, a web beacon on the Third Party’s website where cosmetics are sold. When Jane, an individual listed in ImproveDebt.com’s database, visits the cosmetic website, ImproveDebt.com receives notice by means of the web beacon that Jane visited the cosmetics site, and ImproveDebt.com would then update Jane’s profile with the information that Jane is interested in cosmetics. ImproveDebt.com may thereafter present offers of cosmetic related products and services to Jane. In addition to using web beacons on web pages, ImproveDebt.com also uses web beacons in email messages sent to individuals listed in ImproveDebt.com’s database.
The use of technology on the Internet, including cookies and web beacons, is rapidly evolving, as is ImproveDebt.com’s use of new and evolving technology. As a result, ImproveDebt.com strongly encourages individuals to revisit this policy for any updates regarding its use of technology.
ImproveDebt.com tracks information related to the electronic mailings and web pages viewed by users and subscribers, as well as the hyperlinks clicked by subscribers, while viewing our emails or visiting our websites.
Log files are used to track and monitor subscriber usage.
ImproveDebt.com may offer free voluntary registration to potential subscribers. During such registration, the subscriber is required to supply an email address and other personal information. This information is required if the subscriber wants to participate in Company services or Third Party Services.
You have the ability to contact ImproveDebt.com to provide us with your feedback. ImproveDebt.com uses this information to respond to you and analyze customer service issues.
ImproveDebt.com may receive information about individuals from Third Parties or from other sources of information outside of ImproveDebt.com including information located in public databases (“Outside Information”).
As used herein, Individual Information means Survey Information, Third Party List Information, Other Information, Technology Information, and Outside Information, and any other information ImproveDebt.com gathers or receives about individuals.
ImproveDebt.com will never knowingly collect any personal information about children under the age of 18. If ImproveDebt.com obtains actual knowledge that it has collected personal information about a child under the age of 18, that information will be immediately deleted from our database. Because it does not collect such information, ImproveDebt.com has no such information to use or to disclose to Third Parties. ImproveDebt.com has designed this policy in order to comply with the Children’s Online Privacy Protection Act (“COPPA”).
ImproveDebt.com may in certain cases collect credit card numbers and related information, such as the expiration date of the card (“Credit Card Information”) when an individual places an order from ImproveDebt.com. When the Credit Card Information is submitted to ImproveDebt.com, such information is encrypted and is protected with SSL encryption software. ImproveDebt.com will use the Credit Card Information for purposes of processing and completing the purchase transaction, and the Credit Card Information will be disclosed to Third Parties only as necessary to complete the purchase transaction. Although ImproveDebt.com takes all commercially reasonable action to protect Credit Card Information, you ultimately assume the risk of any damage or loss as a result of transmitting such information to ImproveDebt.com, including but not limited to, identify theft, credit card fraud or credit card loss.
THE COMPANY MAY USE INDIVIDUAL INFORMATION FOR ANY LEGALLY PERMISSIBLE PURPOSE IN COMPANY’S SOLE DISCRETION.
The following paragraphs in Section 2 describe how ImproveDebt.com currently uses Individual Information, but ImproveDebt.com may change or broaden its use at any time. As noted below, ImproveDebt.com may update this policy from time to time. ImproveDebt.com may use Individual Information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, online banner advertising, and package stuffers, among other possible uses.
ImproveDebt.com uses Individual Information to provide promotional offers by email to individuals. ImproveDebt.com may maintain separate email lists for different purposes. If email recipients wish to end their email subscription from a particular list, they need to follow the instructions at the end of each email message to unsubscribe from the particular list. To unsubscribe from all ImproveDebt.com’s email lists, a person must send an email to [email protected]
ImproveDebt.com’s unsubscribe process impacts only the future delivery of electronic mailings disseminated by ImproveDebt.com on its own behalf. You may still receive electronic mailings sent on behalf of Third Parties and your personal information may still be shared with Third Parties for use in offline marketing and data appends, including email appends.
You should also note that unsubscribing from ImproveDebt.com’s electronic mailings will not automatically unsubscribe the subscriber’s information from any Third Party associates and licensees of the data. Since Third Party associates and licensee partners maintain separate databases from ImproveDebt.com, and you will need to unsubscribe from each source individually, if desired. This allows you the freedom to pick and choose which subscriptions to maintain and which to discontinue.
In certain commercial email messages sent by ImproveDebt.com, an Advertiser’s name will appear in the “From:” line but hitting the “Reply” button will cause a reply email to be sent to ImproveDebt.com. The “Subject:” line of ImproveDebt.com email messages will usually contain a line provided from the Advertiser to ImproveDebt.com.
ImproveDebt.com only sends email to individuals who have agreed on the Websites to receive email from ImproveDebt.com or to individuals who have agreed on Third Party websites to receive email from Third Parties. As such ImproveDebt.com does not send unsolicited email messages. As a result, statutes requiring certain formatting for unsolicited email are not applicable to ImproveDebt.com’s email messages.
ImproveDebt.com uses Individual Information to target advertising to an individual. When an individual is using the Internet, ImproveDebt.com uses Technology Information (see also Section 2.7 below) to associate an individual with that person’s Individual Information, and ImproveDebt.com attempts to show advertising for products and services in which the person has expressed an interest in the Surveys, indicated an interest by means of Technology Information, and otherwise. ImproveDebt.com may, at its discretion, target advertising by using email, direct mail, telephones, cell phones, and other means of communication to provide promotional offers.
ImproveDebt.com uses Individual Information to advertise, directly or indirectly, to individuals using direct mail marketing or telemarketing using telephones and cell phones.
ImproveDebt.com uses Technology Information (1) to match a person’s Survey Information and Third Party List Information to other categories of Individual Information to make and improve profiles of individuals, (2) to track a person’s online browsing habits on the Internet, (3) to determine which areas of ImproveDebt.com’s websites are most frequently visited. This information helps ImproveDebt.com to better understand the online habits of individuals so that ImproveDebt.com can target advertising and promotions to them.
ImproveDebt.com uses Individual Information to make a profile of an individual. A profile can be created by combining Survey Information and Third Party List Information with other sources of Individual Information such as behavioral and other information obtained from public databases. ImproveDebt.com may also publish personal information in the form of a testimonial if such information is sent to ImproveDebt.com by you.
ImproveDebt.com stores the Individual Information in a database on our computers. Our computers have security measures (such as a firewall) in place to protect against the loss, misuse, and alteration of the information under ImproveDebt.com’s control. Not withstanding such measures, ImproveDebt.com cannot guarantee that its security measures will prevent our computers from being illegally accessed, and the Individual Information on them stolen or altered.
ImproveDebt.com MAY SELL OR TRANSFER INDIVIDUAL INFORMATION TO THIRD PARTIES FOR ANY PURPOSE IN ImproveDebt.com’S SOLE DISCRETION.
ImproveDebt.com will transfer Individual Information to Third Parties when necessary to provide a product or service that a person orders from such Third Party while using ImproveDebt.com websites or when responding to offers provided by ImproveDebt.com.
ImproveDebt.com may disclose Individual Information to respond to subpoenas, court orders, and other legal processes.
ImproveDebt.com may sell or transfer non-individualized information, such as summary or aggregated anonymous information about all persons or sub-groups of persons.
Individuals have access to their Individual Information collected to provide an opportunity for an individual to correct, amend, or delete such information. Access can be obtained by contacting [email protected] ImproveDebt.com may also grant advertising clients and email services providers’ access to an individual’s email address to verify the origin of the Individual Information collected.
Advertising agencies, advertising networks, and other companies (together, “Advertisers”) who place advertisements on the Websites and on the Internet generally may use their own cookies, web beacons, and other technology to collect information about individuals. ImproveDebt.com does not control Advertisers’ use of such technology and ImproveDebt.com has no responsibility for the use of such technology to gather information about individuals.
The Websites and email messages sometimes contain hypertext links to the websites of Third Parties. ImproveDebt.com is not responsible for the privacy practices or the content of such other websites. Linked websites may contain links to websites maintained by Third Parties. Such links are provided for your convenience and reference only. ImproveDebt.com does not operate or control in any respect any information, software, products or services available on such Third Party websites. The inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.
ImproveDebt.com may disclose, transfer, and sell Individual Information to entities affiliated with ImproveDebt.com in ImproveDebt.com’s discretion.
If you wish to discontinue receiving email messages from ImproveDebt.com, you have several options:
To unsubscribe from a particular list, either (1) send an email to [email protected] or (2) follow the instructions in each promotional email message sent by ImproveDebt.com.
We reserve the right to add Individual Information to multiple lists maintained by ImproveDebt.com. To globally unsubscribe from all of ImproveDebt.com’s lists, send an email to [email protected]
When you download d ImproveDebt.com, you authorize and consent to the collection, storage and use of any information and data related to or derived from the use of ImproveDebt.com. Information may include, but not limited to, search requests, search results, patterns, data and suggestions based on user actions. Your personal information will be kept in a secured database and we use appropriate technical and procedural security measures to protect your personal information. ImproveDebt.com will not share any information collected from you for any purpose other than to facilitate dispatch service and/ or improve the service of the mobile application itself.