BY ACCESSING OR USING WWW.CREDIZO.COM (THE “WEBSITE”) OR OTHERWISE PROVIDING YOUR PERSONAL INFORMATION TO CREDIZO VIA ANY OTHER MEANS, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS DESCRIBED HEREIN AND ALL TERMS AND CONDITIONS INCORPORATED BY REFERENCE. IF YOU DO NOT AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH BELOW, YOU MAY NOT USE THE SITE.
2. WHAT DO WE COLLECT AND WHERE?
You may visit the Website in any of the following ways:
- By using Your browser to navigate to the Website including (but not limited to) www.CrediZo.com;
- by viewing an advertisement displayed on a third party website that is served content by our web server; or
- by viewing an email that is served content by our or a third party web server.
When You visit the Website, our server logs Your IP address (unique network addresses), the time and duration of Your visit, and the time and duration of the pages on the page You viewed. If You arrive at the Website by clicking a paid advertisement (including a paid search engine result) or a link in an email, then we will capture information that tracks Your visit from that link. If You arrive at the Website by clicking a non-paid source, such as link in a non-paid search engine result or an un-sponsored link on another website, we may capture information that tracks Your visit from that source; to the extent we are able to do so. We may also capture information about Your computer system, such as Your browser type and operating system.
Online Mediums Reminder
Chat rooms, forums, blogs and/or news groups (“Online Mediums”) may be available to the CREDIZO community. Any information that You disclose in the Online Mediums becomes public information. Please exercise caution when deciding to disclose any personal identifiable information. We reserve the right to remove or edit any posting that we find is vulgar or inappropriate.
Active Collection of Information
Personal information may be collected in a number of ways when You visit the Website. CREDIZO may collect certain information that You voluntarily provide to us which may contain personal information. For example, we may collect Your name, email address, user name, and telephone number when You register, set up an account or contact us by e-mail.
Passive Collection of Information
When You visit the Website, some information may be automatically collected. For example, it is standard for Your Web browser to automatically send information to every Web site You visit including ours. Such information includes Your computer’s Internet Protocol (IP) address, access times, browser type and language, and referring Web site addresses. We may also collect information about Your usage and activity on the Site.
CREDIZO and the Website will not intentionally collect or maintain, and do not want You to provide, any information regarding Your medical or health condition, political opinions, religious or philosophical beliefs or other sensitive information.
Children’s Online Privacy Protection
Our services are not designed for or directed to children under the age of 13, and we will not intentionally collect or maintain information about anyone under the age of 13.
Links to non-CREDIZO Websites
Cookies and Web Beacons
We will likely place a cookie on Your hard drive during the web visit. A cookie is a unique alphanumeric identifier that we use to help us identify the number of unique visitors to the Website, whether or not those visitors are repeat visitors, and the source of the visits. Cookies cannot be executed as code or used to deliver a virus. Other servers cannot read them and personal information cannot be gathered from them. They are simply an identifier shared between You and us to allow us to improve the services we offer to You through the Website. If You do not wish cookies to be placed on Your computer, then they can be disabled in Your web browser. The option to do so is normally found in Your browser’s “security settings” section. However, please note, permanently disabling cookies in Your browser may hinder Your use of the Website as well as other websites and interactive services.
A web beacon, also known as a web bug, is a small graphic (usually 1 pixel x 1 pixel), that is embedded in a web advertisement, email, or page on our web site, but is invisible to You. When You view a page on our web site, an email or an advertisement Your web browser will request the web beacon from a web server, which in turn will set a cookie in Your web browser containing a unique identifier. This unique identifier will be linked to log information that is used to track Your movements on our web site in order to determine the effectiveness of content and advertising campaigns.
If You wish to disable cookies, You may do so through Your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers’ respective websites.
3. WHAT DO WE USE THIS INFORMATION FOR?
We use information collected when You visit the Website to measure interest in and develop our web-pages and marketing plans, customize the content You view on Your visits to the Website based on Your activity on past visits, and administer our Website.
- We use the visitors’ IP address to help diagnose problems with our servers, and to administer the Website;
- We may also use the cookie to discover whether a certain visitor has visited our site more than once, and the source for each visit;
- We also use information You provide to us via telephone calls, chat, email, web forms and other communications to correspond with You about products and/or services You may be interested in purchasing. If You elect to purchase a product and/or service online using a web form, we will use the information to establish Your account. Information You submit in writing, such as chat, email, and web form information is archived and may be tied to information that we collect about Your visits to the Website. Your telephone call may be recorded for training purposes and we may enter information You provide via telephone into our systems to use for the purposes described in this paragraph.
We may use Your information to process Your service requests, handle orders, deliver services, process payments, communicate with You about orders, provide access to secure areas of the Website, recommend merchandise and services that might be of interest to You, to personalize Your visit to the Website, and to enable us to review develop and continually improve the services and offers we provide online. We also use this information to prevent or detect fraud or abuses of the Website and to enable third parties to carry out technical, logistical or other functions on our behalf.
CREDIZO reserves the right to contact you regarding account status, changes to the subscriber/visitor agreement, and other matters relevant to the underlying service and/or the information collected. We also reserve the right to use the information that you give us and to disclose it to third parties to provide you with information about products and services. If you do not want to receive correspondence related to CREDIZO or other promotions or products, please indicate your preference by opting-out as described below.
4. DISCLOSURE OF PERSONAL INFORMATION
Personal information we gather is for internal use only and we will not authorize the release of this information to anyone outside CREDIZO (except to third party service providers to CREDIZO who perform functions on our behalf but in such event personal information will only be shared to the extent reasonably necessary to perform their functions and they will not be authorized to use it for any other function), unless You have consented to such disclosure.
Should You breach our Terms of Service Agreement, or if we are under a duty to disclose or share Your personal data in order to comply with any legal obligation, we may disclose Your information to a relevant authority. This may include exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction. In particular, we may release the information we collect to third parties when we believe it is appropriate to comply with the law, to enforce our legal rights, to protect the rights and safety of others, or to assist with industry efforts to control fraud, spam or other undesirable conduct.
5. YOUR CHOICES ABOUT OPTING OUT OF COMMUNICATIONS AND RECEIVING E-MAIL
CREDIZO gives You the option of opting-out of personal data being disclosed to third parties for a purpose incompatible with the purpose for which it was originally collected (except for meeting applicable legal requirements or permitting third party service providers who perform functions on our behalf as described above), including Your opting-out of receiving future marketing mailings. We will not use Your contact information to correspond with You about our services if You ask us not to. Please send Your request to Privacy[at]CrediZo.com.
Please note that it may take up to ten (10) days to remove Your contact information from our marketing communications lists, so You may receive correspondence from us for a short time after You make Your request.
6. SECURITY OF YOUR INFORMATION
CREDIZO is committed to industry best practices approaches concerning security measures to prevent the loss, misuse and alteration of the information in our possession. We use various security measures to protect the information we collect, as appropriate to the type of information, including encryption, firewalls, and access controls.
7. DATA INTEGRITY
Personal data we collect is relevant for the purposes for which it is to be used. CREDIZO takes reasonable steps to ensure that data is reliable for its intended use, accurate, complete, and current.
8. RIGHT TO ACCESS YOUR PERSONAL INFORMATION
If You believe that any personal information we have about You is incorrect, or is, has been, or might be used inappropriately, please contact us at Privacy[at]CrediZo.com, and we will take steps to correct or delete the information, or restrict its use, as appropriate.
9. INQUIRIES OR COMPLAINTS
Last Updated March 28, 2016