Privacy

Credit Focus Privacy Policy applies only to consumer transactions (not business transactions). The Credit Focus Digital Privacy Practices applies to all visitors to this website.

Dear Credit Focus Customer,

We know how important your privacy is to you. And, at Credit Focus , we're committed to protecting it.

To explain the way Credit Focus handles customer information, we are providing Credit Focus 's Privacy Policy to you.

Protecting your privacy is a priority to us. Credit Focus does not share nonpublic information about you with third-party marketers outside of the Credit Focus family without your consent, except as explained in our Privacy Policy. From time to time, we may communicate to you special offers for products or services of third parties outside of the Credit Focus family, which we believe may be of interest to you. However, we do not provide these third parties with any nonpublic information about you without your consent.

The security of your information is a priority to us. We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect customer information.

And, we want to make sure you understand how we protect your privacy. If you have questions with regard to Credit Focus 's Privacy Policy, please contact Credit Focus .

ABOUT OUR PRIVACY POLICY…

Protecting your privacy is important to Credit Focus . We want you to understand what information we may gather and how we may share it. This Privacy Policy explains Credit Focus 's collection, use, retention and security of information about you.

How We Gather Information

As part of providing you with financial products or services, we may obtain information about you from the following sources:

applications, forms, and other information that you provide to us, whether in writing, in person, by telephone, electronically, via the Internet or by any other means. This information may include your name, address, employment information, income, and credit references. For information we collect about you when you visit or transact business on a Credit Focus Web site and for information about our use of "cookies" and online tracking technologies, please see our Digital Privacy Practices on your transactions with us, our affiliates (members of the Credit Focus family), or others, including information obtained through our account aggregation service. This information may include your account balances, payment history, and account usage;
consumer reporting agencies. This information may include account information and information about your creditworthiness; other third parties including public sources. This information may include real-estate records, street and e-mail addresses and telephone numbers.

Sharing Information Outside the Credit Focus Family

We are required to or we may provide information about you to third parties outside of the Credit Focus family without your consent, as permitted by law, such as,

to respond to a subpoena or court order, judicial process, regulatory authorities or law enforcement agencies;
to consumer reporting agencies; in connection with a proposed or actual sale, merger, or transfer of all or a portion of a business or an operating unit; to protect against fraud.

We may also provide information about you to our service providers to help us perform marketing services (including the marketing of Credit Focus products and services and the products and services of non-Credit Focus companies). The information provided to these service providers may include all of the categories of information described above under "How We Gather Information."

We do not provide nonpublic information about you to any non-Credit Focus company whose products and services are being marketed unless you authorize us to do so. These non-Credit Focus companies are not allowed to use this information for purposes beyond your specific authorization.

Sharing Information Within the Credit Focus Family

We also may share information about you within our family of financial service companies.

Credit Focus and its family may share with each other all of the categories of information we gather about you, identification information (such as your name and address), and other non-credit related information.

By sharing this information, Credit Focus can better understand your financial needs. We may then send you notification of new products and special promotional offers that you might not otherwise know about.

Our Former Customers

Even if you are no longer a Credit Focus customer, our Privacy Policy will continue to apply to you.

Our Security Practices and Information Accuracy

We also take steps to safeguard customer information. We restrict access to the personal and account information of our customers to those employees for whom such information is relevant to their responsibilities. We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect customer information.

We also have internal controls to keep customer information as accurate and complete as we can. If you believe that any information about you is not accurate, please let us know.

Other Information

This Privacy Policy applies to products and services provided by Credit Focus offices in the United States, used primarily for personal, family, or household purposes (not business purposes). We reserve the right to change this Privacy Policy, and any of the policies described above, at any time. The examples contained within this Privacy Policy are illustrations; they are not intended to be exclusive.

Credit Focus Digital Privacy Practices

Credit Focus is committed to safeguarding information about customers and visitors to Credit Focus Web sites.

The Credit Focus Privacy Policy explains our collection, use, retention and security of consumer information and applies to Credit Focus products and services offered within the United States for consumer (not business) purposes. Online activities of consumers, therefore, may be subject to both the Credit Focus Privacy Policy and the Credit Focus Digital Privacy Practices.

These Digital Privacy Practices explain our privacy practices regarding the information we collect about you when you visit or transact business on Credit Focus Web sites. They do not constitute a contract or create legal rights or modify or amend any agreements Credit Focus has with customers.

These Digital Privacy Practices were last updated March 1, 2002. They are for general guidance, and are subject to change. Please review periodically. As technology evolves, so will our ability to provide you with better online products and services.

How We May Use Information

We may collect information during your Web site visit in order to provide you with offers and information. We may also use the information we collect from you online to contact you via telephone, e-mail or other means regarding offers of products and services that may be of interest to you. To learn more about how we may use information, please see the Credit Focus Privacy Policy.

How We Collect Information

We may collect information online through:

Cookies. Our Web server may write a "cookie," which is a small file, to your hard drive. We may use cookies to enhance your online experience, to facilitate your use of our Web site and to collect site-visitation statistics. If you register for certain personalized services, or choose to save personal information on our Web site, Credit Focus may store this information in an encrypted cookie. Our use of encrypted cookies makes your repeated online interactions with us easier by allowing you to avoid re-entering your card number or other personal information each time you visit the Web site. If you are uncomfortable with our use of cookie technology, you can set your browser to refuse cookies. Certain services are dependent on cookies, and you may disable those services by refusing cookies.

Tracer Technologies. Tracer, or spotlighting, technologies may also be used by Credit Focus or its service providers. For example, we may use tracers to determine whether you viewed certain banner advertisements or received or opened e-mails from Credit Focus .

Information Storage

Credit Focus may store the information collected during your visit in an electronic database. Credit Focus uses security measures to protect against the loss, misuse and alteration of data stored in our systems.

Third-Party Web Sites

This Web site may contain links to third-party sites that you may find useful. These sites may have their own privacy policies. You should review the privacy policy of any Web site before you provide personal or confidential information.

Privacy and Children

Credit Focus respects the privacy of children. When Credit Focus offers online educational opportunities to children through sites such as CCCkids.com, we will not collect names or any other personally identifiable information from children. We do not knowingly market to children.