Updated: October 31, 2017
INFORMATION WE COLLECT
Registration, account, and sign-up information. We may collect Information in the course of your use of, or registration with, our Sites. For example, when you create an account, register for or download an application, or sign-up for a product or service, you may provide us with certain personal information. This type of personal information may include: name, phone number, postal address, fax number, email address, ssn, or certain payment information (e.g., credit card, banking and billing information). We may also receive Information about your interest in and use of various products, programs, services, and content available on or through our Sites.
Information about others/inviting friends. On some of our Sites, we may collect Information you submit about other people. For example, you might submit Information to invite a friend to participate in an offering, make recommendations, or share content. By processing these requests, we may receive the other person’s Information, including a recipient’s name, postal address, email address, telephone number, or information about the recipient’s interest in and use of various products, programs, services, and content. Some of our Sites also allow you to invite your friends to participate in activities by providing their contact details or importing contacts from your address book or from other sites.
Location information. We may have access to certain Information about your location, such as your country or address, when you provide it or via device information (such as an IP address). If you access our Sites on your mobile device we may collect Information about your device’s precise location.
Technical and usage information. We also collect certain technical and usage information when you use our Sites, such as the type of device, browser, and operating system you are using, your Internet service provider or mobile carrier, unique device identifier, IDFA or IDFV, MAC address, IP address, device and browser settings, the webpages and mobile apps you use, advertisements you see and interact with, and certain Site usage information.
HOW WE USE THE INFORMATION
We use Information for the purposes described in this policy or disclosed at the time of collection or with your consent.
Providing and marketing products and services. We use the Information we collect about you on our Sites, to fulfill your requests for, and otherwise provide or analyze your use of our products, programs, services and content, to facilitate sharing and other interactions with Social Media Sites, and to provide, develop, maintain, personalize, protect, and improve your experience and our offerings. For example, we use Information collected on our Sites to enable you to do things like (i) watch trailers and video clips, (ii) get entertainment news and updates, (iii) get information about our products, services, and content, (iv) locate and access personalized information or functionality based on your location (e.g., find stores, theaters, or show times), (v) buy digital content or movie tickets, (vi) play games, (vii) engage with interactive features, activities, and Social Media Sites, (viii) read and post comments, content, and reviews, or (ix) enter promotions, contests, and sweepstakes. We may also use Information to offer, market, and advertise products, programs, and services from us and our affiliates, business partners, and select third parties that we believe may be of interest to you.
Communicating with you and others. We use Information about you to communicate with you, such as (i) to notify you when you win one of our contests or sweepstakes or when we make changes to our policies or user agreements, (ii) to respond to your inquiries, (iii) to communicate with you about your purchases or transactions, (iv) to contact you about your account, or (v) to send you information about promotions, offerings, and Site features. You may also choose to receive push notifications from us on your mobile device. If you choose to submit content for publication online or in other forums, we may publish your screen name and other Information you have provided to us on our Sites, the Internet, or elsewhere. We use Information that you provide about others to enable us to send them invitations, promotions, or other content on your behalf or through our Sites. From time to time, we also may use this Information to offer, market, or advertise products, programs, or services to them from us and our affiliates, business partners, and select third parties.
Use of technical and usage information. We use technical and usage information to improve the design, functionality and content of our Sites and to enable us to personalize your experience with our Sites and offerings. We use this Information (i) to provide, develop, maintain, personalize, protect, and improve our Sites, products, programs, and services and to operate our business, (ii) to perform analytics, including to analyze and report on usage and performance of our Sites, (iii) to protect against, identify, and prevent fraud and other unlawful activity, (iv) to create aggregate data about groups or categories of our users, and (iv) for us and our affiliates, business partners, and select third parties to target, offer, market, or advertise products, programs, or services.
INFORMATION SHARING AND DISCLOSURE
We may share and disclose Information in the following ways or for any other purpose disclosed at the time of collection:
With your consent. We may disclose Information when you provide us with your consent to do so.
Change of control. We may transfer Information in the event of a business transaction, such as if we or one of our business units or our relevant assets are acquired by, sold to, or merged with another company or as part of a bankruptcy proceeding or a business reorganization.
Service providers. Our agents and contractors may have access to Information to help carry out the services they are performing for us, such as, but not limited to, creation, maintenance, hosting, and delivery of our Sites, products, and services, conduct marketing, handle payments, email and order fulfillment, administer contests, conduct research and analytics, or customer service.
Linked sites. Some of our Sites contain links to other sites, including Social Media Sites, whose information practices may be different from ours. Visitors should consult the other sites’ privacy policies and terms before submitting any Information, as we have no control over Information that is submitted to, or collected by, these third parties.
Advertising networks. We may share certain information with third parties to provide advertising to you based on your interests.
Marketing communications and sharing with third parties. We provide you with an opportunity to express your preferences with respect to receiving certain marketing communications from us, and our sharing of personal information with unaffiliated third parties for their direct marketing purposes. If you ever decide in the future that you would like to update these preferences, you may (i) log in to an account you have created with us at one of our Sites to adjust your settings, or (ii) send us an email at email@example.com. To opt out of receiving our email marketing communications, you can also follow the “unsubscribe” instructions provided in any marketing email you receive from us. If you previously chose to receive push notifications on your mobile device from us, but no longer wish to receive them, you can manage your preferences through your device or app settings, depending on the type of device. For California residents, please see below for additional information on the choices we provide to you.
For more information about interest-based advertising on your desktop or mobile browser, and your ability to opt out of this type of advertising by third parties that participate in self-regulatory programs, please visit the Network Advertising Initiative and/or the DAA Self-Regulatory Program for Online Behavioral Advertising. To learn more about interest-based advertising in mobile apps and to opt out of this type of advertising by third parties that participate in the DAA’s AppChoices tool, please download the version of AppChoices for your device here. Please note that any opt-out choice you exercise through these programs will apply to interest-based advertising by the third parties you select, but will still allow the collection of data for other purposes, including research, analytics, and internal operations. You may continue to receive advertising, but that advertising may be less relevant to your interests.
You may have more options depending on your mobile device and operating system. For example, most device operating systems (e.g., iOS for Apple phones, Android for Android devices, and Windows for Microsoft devices) provide their own instructions on how to limit or prevent the delivery of tailored in-application advertisements. You may review the support materials and/or the privacy settings for the respective operating systems to learn more about these features and how they apply to tailored in-app advertisements.
Precise location information. To disable the collection of precise location information from your mobile device through our mobile apps, you can access your mobile device settings and choose to limit that collection.
See also Cookies and Other Technical Information for more choices about managing other technical and usage information.
California residents – your California privacy rights. If you are a California resident, you may request information about our practices related to disclosing your personal information to certain third parties and/or opt-out of our sharing of your personal information with unaffiliated third parties for the third parties’ direct marketing purposes. Please send your request (along with your full name, email address, postal address, and the subject line labeled “Your California Privacy Rights”) by email at firstname.lastname@example.org.
COOKIES AND OTHER TECHNICAL INFORMATION
Cookies and other technologies. We, and our affiliates, third party service providers, and business partners may send “cookies” to your computer or use similar technologies to understand and enhance your online experience at our Sites.
Cookies are small text files placed in your browser. We may also use pixels or “web beacons” that monitor your use of our Sites. Web beacons are small strings of code that provide a method for delivering a graphic image on a webpage for the purpose of transferring data, such as the IP address of the computer that downloaded the page on which the web beacon appears, the URL of the page on which the web beacon appears, the time the page containing the web beacon was viewed, the type of browser that fetched the web beacon, and the identification number of any cookie on the computer previously placed by that server. We may also integrate “Software Development Kits” (“SDKs”) into our applications to perform similar functions as cookies and web beacons. For example, SDKs may collect technical and usage information such as mobile device identifiers and your interactions with the Site and other mobile apps.
Managing cookies and other technologies. Cookies can either be persistent (i.e., they remain on your computer until you delete them) or temporary (i.e., they last only until you close your browser). Check your browser settings to learn how to delete cookies.
You may adjust your browser to reject cookies from us or from any other website. Controlling cookies via browser controls may not limit our use of other technologies. Please consult your browser’s settings for more information. However, blocking cookies or similar technology might prevent you from accessing some of our content or Site features.
Some of our Sites may use locally stored objects (“LSOs”) to provide certain content, such as video on demand, video clips, or animation, and a better user experience. Adobe’s Flash player and similar applications use this technology to remember settings, preferences, and usage similar to browser cookies. Flash cookies are not managed through your web browser, but you can access your Flash management tools from Adobe’s web site. Your browser may also offer other tools to delete or reject other LSOs; please check your browser’s settings or help menu for more information.
Some of our sites may use Google Analytics to analyze traffic. You can find out more information about Google Analytics cookies here:
https://developers.google.com/analytics/devguides/collection/analyticsjs/cookie-usage. To opt-out of Google Analytics relating to your use of our Sites, you can download and install the Browser Plugin available via this link: https://tools.google.com/dlpage/gaoptout?hl=en.
We do not currently take actions to respond to Do Not Track signals because a uniform technological standard has not yet been developed. We continue to review new technologies and may adopt a standard once one is created.
Ask email@example.com to learn how to control data collection for certain purposes.
We have put in place reasonable controls designed to help safeguard the personal information we collect via the Sites. However, no security measures are perfect and we cannot assure you that personal information that we collect will never be accessed or used in in an unauthorized way.
HOW YOU CAN ACCESS OR CORRECT INFORMATION
ADDITIONAL INFORMATION REGARDING CHILDREN’S PRIVACY
We operate internationally, and many of our computer systems are currently based in the United States, this means Information we collect will be processed by us in the U.S. where data protection and privacy regulations may not offer the same level of protection as in other parts of the world, such as the European Union. If you use or visit our Sites from outside the United States, you consent to the collection and/or processing in the United States of Information we collect from you.
NOTIFICATION REGARDING UPDATES
Why we collect personal information
We collect personal information to enroll you in our credit services platform. The information we require is the absolute minimum necessary. TCS uses your personal information to provide you with superior client services, and to communicate with you regarding your case. In addition, we use your personal information to keep you up to date on the latest service announcements, feature updates, special offers, and other information we think you would like to hear about. From time to time, we may also use your personal information in order to contact you regarding participation in a market research survey, so that we can gauge client satisfaction and improve our credit repair services further. Should you begin, but not complete, the sign up process, TCS may use your personal information to contact you regarding your experience at the web site, and may talk to you about enrolling one of our credit services systems or processes.
How we collect personal information
We collect information about you: (i) that you submit during the sign up process for our credit services system, which includes credit report evaluation, credit maximization, credit repair, credit monitoring, Identity Verify One, debt settlement, credit building, consulting and (ii) any time we enter information from your credit report into our database. In addition, when you sign up for a new credit service with creditworld.com TCS or ask to be included in an email mailing list, we collect and store the information you provide in a secure database.
To save you time and make our web services even easier to use, some areas of the Creditworld.com web site allow you to create a “Client ID” using your personal information. The system saves your information and assigns you a unique Client ID. Next time you log into the client section of our web site you can simply enter your Client ID and password — the system will automatically look up the information it needs.
When we disclose personal information
TCS works with other companies that help us provide our credit repair services to you, and we may provide your personal information to these companies. For example, should we need to forward written documents to you we give shipping companies this information so they can deliver more efficiently. The information they receive is for shipping and delivery purposes only, and we require that the companies safeguard your personal information in accordance with TCS policies.
How we protect your personal information
TCS safeguards the security of the data you send us with physical, electronic, and managerial procedures. We urge you to take every precaution to protect your personal data when you are on the Internet. Change your passwords often, use a combination of letters and numbers, and make sure you use a secure browser.
The TCS web sites use industry-standard Secure Sockets Layer (SSL) encryption on all web pages where personal information is required. To sign up for our service, or to log into the client section of the web site, you must use an SSL-enabled browser such as Netscape Navigator 3.0 or later, or Internet Explorer. This protects the confidentiality of your personal and credit card or checking account information while it is transmitted over the Internet.
Collecting other personal information
When you browse our web site, you are able to do so anonymously. Generally, we don’t collect personal information when you browse — not even your email address. Your browser, however, does automatically tell us the type of computer and operating system you are using.
In some of our email to you, we use a “click-through URL.” When you click one of these URLs, you pass through our web server before arriving at the web site that is your destination. We track “click-through” to help us determine your interest in particular topics and measure the effectiveness of our customer communications.
We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous.
Our companywide commitment to privacy
To make sure your personal information remains confidential, we communicate these privacy guidelines to every TCS employee and staff member.
- TCS does not knowingly solicit personal information from children or send them requests for personal information.
- TCS web site may contain links to other sites. TCS does not share your personal information with those web sites and is not responsible for their privacy practices. We encourage you to learn about the privacy policies of those companies.
- If we are going to use your personal information differently from that stated at the time of collection, we will try to contact you via email using the most recent information we have.
HOW TO CONTACT US