Privacy

Thank you for visiting MyCreditStrategy.com (the “Website”). This privacy policy (the “Privacy Policy”) is designed to assist you in understanding how we collect, use, and protect any information you may provide to us. Your use of the Website signifies your consent to be legally bound by this Privacy Policy. If you do not agree to the terms of the Privacy Policy, please do not use the Website or provide any information to us.

The Information We Collect

When you use our Website, we may collect certain indirect and/or aggregate information as a result of your use of, and interaction with, the Website (“Usage Information”). We may also collect certain Usage Information related to your use of the associated mobile application. In addition, you may use the Website to purchase products by providing certain types of personally identifiable information (“Personal Information”). Finally, we may ask for your credit or debit card information (“Card Information”).

Usage Information

We may use certain standard web measurement and tracking technologies such as “cookies,” web server logs, or other statistics programs to collect Usage Information and track and record how you use the Website, including the associated mobile application. This data is anonymous and does not personally identify you. Usage Information helps us measure the success of the Website, including the website and the associated mobile application and its features or pages and to improve your online experience. Your browser may have an option that allows you to accept cookies, reject cookies, or receive notification when a cookie is sent, but you should note that the use of such restrictive browser settings may limit your use of the Website.

Personal Information

When you make a purchase, we may ask you to provide your:

  • Name
  • e-mail address
  • mailing address
  • phone number
  • Credit Card Information

In order to purchase a product, you may need to provide your Card Information directly to our third party payment processor. WE DO NOT DIRECTLY COLLECT, ACCESS, STORE OR PROCESS ANY CREDIT CARD INFORMATION. PLEASE READ THE PRIVACY POLICY ON OUR PAYMENT PROCESSOR’S WEBSITE REGARDING THE USE, STORAGE AND PROTECTION OF YOUR CREDIT CARD INFORMATION BEFORE SUBMITTING ANY CREDIT CARD INFORMATION.

Use of Information Collected

We use your information in order to provide the Products you request and to analyze, manage and improve the Website. In compliance with applicable laws, it is our policy to require only the Personal Information necessary to enable use to complete the specific transaction that you request; we do not condition any transaction on the disclosure of more Personal Information than is reasonably necessary to complete such that specific transaction. In addition, our Payment processor will use your Card Information to process your payments. We may also use information such as your name and email address to contact you, respond to your inquiries, and send you information or notify you of special offers. Finally, we use information to help us diagnose problems with our server or other technical issues relating to the performance of the Website.

Disclosure of Your Information

We may disclose the information we collect from and about you, including your Personal Information: (a) when we have reason to believe that such disclosure is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, customers or other users of the Website, or anyone else who could be harmed by such activities, or is appropriate or necessary to enforce our Terms of Use, take precautions against liability, investigate and defend against any third-party claims or allegations, and/or protect the security or integrity of the Website; (b) to respond to judicial process and provide information to law enforcement agencies in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law, or in the good-faith belief that such action is necessary to comply with state and federal laws; (c) to our business partners for research, analytical and marketing purposes, such as analyzing usage patterns for certain content, Websites, advertisements, promotions, and/or functionality on the Website and/or to our subsidiaries, affiliated companies, or other businesses or persons for the purpose of processing such information on our behalf; or (d) otherwise with your consent. We may also sell or buy other businesses or entities. In such event, we may transfer or assign the information we have collected as part of such merger, acquisition, sale, or other change of control. In such transactions, your Personal Information may be included in the transferred business assets and our successor may assume access, storage and control of your member data until you terminate your account. Also, in the unlikely event of our bankruptcy, insolvency, reorganization, receivership, or assignment for the benefit of creditors, or the application of laws or equitable principles affecting creditors’ rights generally, we may not be able to control how your Personal Information is treated, transferred, or used and your Personal Information may be included in the transferred assets. We do not sell your Personal Information, to third parties and have no intention of doing so in the future. Under the laws of some jurisdictions, you may be entitled to request disclosure regarding how we share your Usage Information with third parties for direct marketing purposes (“Information-Sharing Disclosure”). To the extent required by applicable law, we shall provide the Information-Sharing Disclosure to you upon rightful request made in writing to MyCreditStrategy.com, ATTN: Information Sharing Disclosure, 18521 E Queen Creek Rd, Bldg 105 Ste 164, Queen Creek, AZ 85142.

Opting-Out

You may opt-out of receiving communications about special offers or programs by clicking on a link provided at the bottom of the email communication.

Children’s Privacy

The Website is not directed to, and we do not knowingly market to or collect Personal Information from, children under the age of 13. We recommend that parents actively participate in their children’s use of the Internet. If you are under 13 years of age, please do not use or access the Website at any time or in any manner. If you believe that you may have information regarding a person under 13 that you believe to have registered an account with, or otherwise provided Personal Information via, the Website, please contact us at info@MyCreditStrategy.com.

Security Procedures

We take commercially reasonable precautions and have implemented commercially reasonable technical measures intended to protect against the risks of unauthorized access to, erroneous disclosure of, and unlawful interception of Personal Information submitted via the Website. However, your email transmissions and/or other communications containing Personal Information may be unlawfully intercepted or accessed by third parties and/or the Website may be subject to hostile network attacks or administrative errors. We cannot and do not guarantee the security of any information transmitted over the Internet. Once we receive your Personal Information, we take steps that we believe are commercially reasonable to limit access to your Personal Information to only those employees and Website providers whom we determine need access to the Personal Information to provide the requested products, Websites, offers or opportunities that may be of interest to you. However, even after we receive your Personal Information, we cannot guarantee that your Personal Information or may not be accessed, disclosed, altered, or destroyed as a result of a breach of our commercially reasonable efforts or as a result of any other event beyond our reasonable control. Accordingly, we cannot and do not guarantee that your Personal Information is completely secure and safe from such risks. For the avoidance of doubt, WE expressly disclaim any representation or warranty, whether express or implied, with respect to ensuring, guaranteeing or otherwise offering any definitive promise of security in connection with your PERSONAL Information. ADDITIONALLY, WE DO NOT STORE, RECEIVE, PROCESS, OR ACCESS YOUR CARD INFORMATION. PLEASE CONSULT OUR PAYMENT PROCESSOR’S PRIVACY POLICY TO UNDERSTAND HOW YOUR CARD INFORMATION IS PROTECTED.

Special Note to International Users

By using the Website, you agree and acknowledge that the Website is hosted in the United States. If you are attempting to access the Website from a physical location within the European Union, Asia, or any other region with laws or regulations governing personal data collection, use, and disclosure that differ from United States laws, please be advised that through your continued use of the Website, which is governed by U.S. law, this Privacy Policy, our Terms of Use, you are transferring your Personal Information to the United States and you consent to (a) such transfer, (b) the application of the laws of the United States and/or the State of Arizona with respect to any dispute arising from or related to the Privacy Policy and/or your use of the Website, other than such rules, regulations, case law, and/or international treaties that would result in the application of the laws of a jurisdiction other than the United States or the State of Arizona, and (c) the exclusive jurisdiction of the courts of the State of Arizona sitting in Phoenix, and the federal courts sitting in Phoenix, Arizona.

Changes and updates to the Privacy Policy

From time to time, we may revise the Privacy Policy. To help you stay current of any changes, we note the date the Privacy Policy was last updated above. Your use of the Website following the posting of any revised Privacy Policy shall be deemed acceptance of the revised policy, so we strongly recommend that you check back the Privacy Policy periodically. If, and only if, we make revisions to the Privacy Policy that result in a material lessening of the restrictions on our use or disclosure of your Personal Information, we will make a commercially reasonable attempt to obtain your consent before implementing such revisions with respect to such Personal Information.

Miscellaneous

If any part of the Privacy Policy is determined to be invalid or unenforceable pursuant to applicable law, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Privacy Policy shall continue in force and effect.

Upd: 2016-03-10