Effective date: June 2, 2020
Consumer Privacy Notice
Important Notice Regarding Your Personal Information
What does creditkarat.com do with your personal information?
Who is providing this notice?
This notice is being made on behalf of Credit Karat. ("creditkarat.com" or "we" or "us")
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the products or services you have with us. This information can include:
- Social Security number and other identification information
- Account balances
- Payment and transaction history
- Credit history and credit score
- Income, assets and liabilities
- Loss and claim history
When you are no longer a customer, we continue to share your information as described in this notice.
All financial companies need to share their customers’ personal information to run their everyday business. In the section below, we list many of the reasons financial companies can share their customers’ personal information.
Reasons we may share your personal information
- For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
- For our marketing purposes to offer our products and services to you
- For joint marketing with other financial companies
- For our affiliates' everyday business purposes -- information about your transactions and experiences
- For our affiliates' everyday business purposes -- information about your creditworthiness
- For our affiliates to market to you
- For non-affiliates to market to you
Contact us at email@example.com
What we do
How does creditkarat.com protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We use physical, electronic and procedural safeguards to help prevent unauthorized access to customer information, and periodically test and update our safeguards. We train and regularly educate our employees about the importance of maintaining the confidentiality of customer information and the proper handling of customer information.
How does creditkarat.com collect my personal information?
We collect your personal information, for example, when you:
- Apply for products or services
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only:
- Sharing for affiliates’ everyday business purposes - information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- We reserve the right to share your personal information with our affiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- We reserve the right to sell your information to outside marketers to allow them to independently solicit you for a product. You may see offers from third-parties on our site, but this does not require sharing your personal information with them to provide these offers.
- We may disclose customer information about you to credit reporting agencies, in response to a subpoena or court order, as required by certain federal and state laws, and pursuant to your request or authorization.
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
- We reserve the right to share your personal information in connection with joint marketing activities.
What information does the Site obtain and how is it used?
Types of Information
You may interact with us in a variety of ways online, including through a PC, tablet, or mobile device. We may offer Sites that permit browsing and do not require registration. We may also offer the ability to access your account online. Information that we may collect about you through online interaction includes information that you input, such as your name, address, e-mail address, other contact information; data resulting from your activity; and location information. We may also gather additional information such as the type of device and browser you are using, the Internet protocol (IP) address of your device, information about your device’s operating system, and additional information associated with your device. We may also gather information collected through cookies, tags, and other technologies, as described further below.
The Site may collect information about your location when you choose to use location-based services. For example, the Site will collect the address, city, and/or zip code that you provide when submitting an online account application. The Site may also access information about the location of your device automatically when needed to perform location-based services that you request. Location information may be obtained based on your device’s IP address and through other technologies, like GPS. We may use your location information to provide requested location-based services.
Depending on the type of device and browser you are using, you may be able to prevent access to certain location information in your device and/or browser settings; however, doing so may limit the functionality we can provide when you visit our Site. We recommend that you refer to information supplied by your device and browser providers for specific information about how to use location settings.
In order to provide better service, our Site may use a software "cookie". A cookie is a small piece of information which a website or application stores in the web browser or mobile application on your device and can later retrieve. A cookie cannot be read by a website or application other than the one that set the cookie. Many cookies only last through a single session or visit.
Cookies used to facilitate online activity. These types of cookies are called session cookies and may be necessary in order to access certain services within our Site. These cookies may also prevent you from having to enter information twice. These cookies are not active after you log off of the services and are deleted when you completely close your web browser windows or mobile application after a session. When you use our Site, we also may use the information in the cookie or similar file to match the web browser and device you use with your account for security purposes.
Cookies used for personalizing your visit. We may create some cookies that allow us to present information that is useful to you when you later return to our Site. These cookies remember your preferences from an earlier visit in order to customize our Site pages when you return. These cookies stay on your device unless you delete them.
Cookies used to evaluate our Site. We may use these cookies to track how visitors use our Site, including the pathways to certain pages, the time spent on a page, and the number of visitors to a page. This allows us to improve navigability of our Site and to decide to delete or improve pages. These cookies stay on your device unless you delete them.
Cookies used to evaluate the effectiveness of advertising placed elsewhere on the Internet. We may use these types of cookies and other related technology to track responses to our online advertisements and the ranking of our internet address in search engines. These cookies are placed on your device when you view our ad at another web site or on our own Site. These cookies identify the ads which led to your visit to our Site. These cookies stay on your device unless you delete them. We may use third-party advertising companies to serve ads and/or collect information when you visit our Site and sites upon which we advertise. This third-party advertising technology uses information about your visits to our Site and the sites upon which we advertise to serve our ads to you. In the course of serving our advertisements to you, a unique third-party cookie may be placed or recognized on your browser or application. In addition, we may use web beacons, provided by third-party advertising companies, to help manage our online advertising. These web beacons enable us to recognize a browser’s cookie when a browser visits our Site and to learn which banner ads bring users to our Site. To learn more about our third-party advertising companies and cookies, please contact firstname.lastname@example.org.
Data collected from a particular browser, application, or device may be used to provide online advertising on another computer, application, or device that is associated with the browser, application, or device on which such data was collected. We do not store any information on cookies that would enable anyone to contact you via telephone, e-mail, or U.S. mail.
Do You Have to Accept Cookies?
You may be able to set your browser to reject cookies. However, if you choose to reject cookies, you may limit the functionality we can provide when you visit our Site. The latest versions of internet browsers provide cookie management tools, such as the ability to delete or reject cookies. We recommend that you refer to information supplied by your browser provider for specific information about how to use these tools.
Do Not Track
Do Not Track ("DNT") is a privacy preference that users can set in recent versions of most major web browsers, including Firefox 5+, Internet Explorer 9+, Safari 5.1+, and Chrome. DNT allows users to inform web services that they do not want certain information about their webpage visits collected across websites.
In accordance with this Policy, we and our service providers and/or third party analytics companies may collect certain personally identifiable information ("PII") about your online activities over time and across third-party websites or online services. Such information may be collected for marketing purposes, including the delivery of ads that are tailored to you based on your visits to other websites. We may also use such information for our internal product development or research purposes. While our Website does not respond to DNT signals, you may be able to set your browser to block cookies and collection of certain information as described above.
Cookies is a term also used to describe other locally stored objects, such as cookies stored in an Adobe® folder on your device. These cookies will not be deleted when you clear cookies from your browser. We may use this technology for purposes such as information security and fraud prevention. We do not use this technology for online behavioral advertising purposes. Please refer to information provided by Adobe for information on how to disable and control Flash® objects. If you choose those options, you may limit the functionality we can provide when you visit our Site.
We may also use additional technologies such as ad tags, web beacons, tagged URLs, scripts, and clear GIFs, and may permit our third party service providers to use these technologies. We use these technologies for purposes such as measuring the effectiveness of our advertisements or other communications, determining viewing and response rates, and determining which offers to present to you on our own or on third party sites.
In addition to the uses described above, we use information for purposes as allowed by law such as: servicing; communicating with you; improving our Site, products, or services; legal compliance; risk control; information security; anti-fraud purposes; marketing or personalizing the presentation of our products and services to you; tracking website usage, such as number of hits, pages visited, and the length of user sessions in order to evaluate the usefulness of our Sites.
We may share information with our trusted services providers who work on our behalf, do not have an independent use of the information we disclose to them, and have agreed to adhere to the rules set forth in this Policy; such as data processors and companies that help us market products and services to you and evaluate online advertising and the use of our Site. When permitted or required by law, we may share information with additional third parties for other purposes, including response to legal process.
For your reference and convenience, our Site may provide links to other websites on the Internet. Unless otherwise noted, these links are provided for your convenience and do not constitute an endorsement. These third party sites are not within our control and may not have the same privacy, security or accessibility standards. Third parties are solely responsible for the content and availability of their sites. You should also refer to the third party site’s privacy and security policies when accessing that site. Additionally, from time to time, we may make available to you and you may agree to purchase services in connection with your account that are provided by a third party. You acknowledge and agree that the terms of those services are between you and the third party. We expressly disclaim any warranties associated with those services and you agree to hold us harmless from any loss or damage you may incur in connection with those services.
We do not use our Site to knowingly collect data from or market to children under the age of 18. If a child under 18 has provided us with personal information without parental or guardian consent, the parent or guardian may contact us at email@example.com. We will delete such information from our files within a reasonable time and unsubscribe the child from any promotional contact opportunities.
Protecting the confidentiality of your information is very important to us. We have established appropriate physical, electronic, and procedural safeguards to protect information we collect from or about our users. For example, we limit access to this information to authorized employees and contractors who need to know that information in order to operate, develop or improve our Site and services. These safeguards are regularly reviewed to protect against unauthorized access, disclosure and improper use of your information and to maintain the accuracy and integrity of that information.
Policy Updates and Effective Date
We reserve the right to modify this Policy at any time and without prior notice. If we make updates to this Policy, we will update the Policy with the changes and revise the “Effective Date“ posted at the top of this Policy. Any updates to the Policy become effective when we post the updates on the Site. You may also revisit this page to view the current copy of this Policy. Your use of the Site following an update to this Policy means that you accept the updated Policy.
By using our Site or interacting with an creditkarat.com advertisement or page or account on a third party site, you consent to this Policy, including your consent to our use and disclosure of information about you in the manner described in this Policy.
If you have any questions regarding privacy while using the Site, please contact us at firstname.lastname@example.org