Your Privacy Rights - Privacy and Security Policy
Your California Privacy Rights
Our mission is to adhere to policies that prevent unauthorized use of your personal information; to maintain the accuracy of the information provided; and to protect the privacy of your information through the use of secure servers and encryption devices. The intent of this statement is to answer your questions about our online Privacy and Security Policy.
What information is collected?
Generally, we gather two types of information. The first type of information is the personally identifiable information ("Personal Information") that you expressly provide when you enroll in Credit Diagnosis. This information includes your name, mailing address, e-mail address, and date of birth or some other unique personal identifier that we can use to confirm sales and billing information (e.g. city of birth or mother's maiden name). Occasionally, we may request other information from you that may be used by our Membership Services department to confirm enrollment, update your account or confirm your order. From time to time, we may offer you optional surveys that may ask you for your opinions or demographic data (e.g. age and gender) so that we can improve our program and offerings.
The second type of information is technical and statistical information that is collected automatically whenever you visit our Web site. This type of information may include things such as your IP address, operating system, type of browser and Web site activity. We collect this data to help us improve the quality of our Web site and make your visits to the site easy, convenient and meaningful.
We do not link aggregate user data with personally identifiable information.
Who is collecting the information?
Credit Diagnosis is marketed and distributed by FYI Direct, a leading marketing solutions company. The information collected on the site is owned by FYI Direct and/or its marketing partners depending on who offered you membership in the program.
How do you use the information collected?
We use the Personal Information you provide to service your membership. For example, we request your mailing address so we know where to send the merchandise certificates, gift cards and other benefits that you may purchase, and any other information you may request. We also may send you additional membership information such as updates about our program and special offers. We use your credit card information to bill you for the membership fee and any benefits you may purchase. We use your e-mail address to notify you of program updates, special offers and promotions. If you prefer not to receive e-mail notifications from us, simply visit our Contact Us page, select "Unsubscribe to future marketing" from the drop-down menu, and e-mail us your request. Be sure to include your name and membership ID number as well as the e-mail address to remove from our list.
The Personal Information that is collected may also be shared with other groups within the FreeScore organization, and with FYI Direct’s affiliates and /or marketing partners, to bring you additional information and special savings offers.
The technical and statistical information that is automatically collected from your computer whenever you visit Credit Diagnosis is used to help us improve the site and the member experience. From time to time we may disclose general statistical information about our Web site and its visitors such as the number of visitors, the number and type of products purchased, etc.
Do you share Personal Information with third parties?
Credit Diagnosis may share Personal Information with third parties whom we employ to perform functions on our behalf. For example, Credit Diagnosis uses a third party to verify and process your credit card information in order to charge you for requested benefits or services. All third parties are contractually obligated to use your Personal Information only for the purpose for which it is given. We are not responsible for the information practices of third parties. The collection, use and disclosure of information by third parties are subject to their respective privacy policies, which may differ from our policy.
From time to time, we may also share Personal Information with our affiliates and/or marketing partners who offer products and services that we think will be of interest to you. If you prefer not to have your Personal Information shared with our affiliates and/or marketing partners, please indicate what offers you are not interested in receiving on the E- mail Preferences page, if available, or by sending us an e-mail using the Contact Us page. If you are enrolling online, you may also opt-out of receiving e-mails from third parties outside of Credit Diagnosis by de-selecting the check box on the enrollment page. If you accept a third-party offer provided via or linked to from our Web site, you consent to our providing your Personal Information and/or billing information to the third-party marketer that offered the product or service so they may process your acceptance of the offer.
We may also disclose your Personal Information when required by law or in the good faith belief that such action is necessary in order to conform to the edicts of the law or comply with legal process.
As we continue to develop our business, we may buy or sell assets. In such transactions, customer information generally is one of the transferred business assets. Also, in the unlikely event that our company or substantially all of its assets are acquired, customer information will of course be one of the transferred assets. In the event that customer information is transferred as described in this paragraph, members will be notified via e-mail and given the opportunity to opt-out of having their Personal Information transferred to any new entity.
How do I change/modify my information?
You can change, modify or update your member information by sending us an e-mail from the Contact Us page. You can choose at any time to inform us of your e-mail preferences by sending us an e- mail from the Contact Us page or, if available, by going to the E-mail Preferences page where you can indicate what offers you are not interested in receiving.
What are Cookies and how do you use them?
We use persistent cookies. A persistent cookie remains on your hard drive for an extended period of time. We use persistent cookies on the login page to store your Membership ID and for re-direction of members to membership enabled Web sites. You can remove persistent cookies by following directions provided in your Internet browser’s "help" file.
We also make use of third-party cookies. Third-party cookies are set with a different domain than the one shown in your browser address bar. We use third-party cookies for advertising, ad retargeting, and other marketing and content serving purposes. Here is an example of third-party cookie usage:
- Third-party vendors, including Google for example, show ads on the internet.
- Third-party vendors, including Google for instance, can use third-party cookies to serve ads based on your prior internet activity, including web sites you have visited and display and paid search ads you may have interacted with.
You may opt out of Google and other third-party cookies by visiting the Network Advertising Initiative Opt Out Page at: http://www.networkadvertising.org/managing/opt_out.asp.
Most Internet browsers will allow you to erase or block cookies. Instructions for disabling cookies may differ from one browser version to another. Please refer to the Help section of your browser for instructions to assist you in these processes: preventing your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. However, cookies allow you to take full advantage of some of our sites features, so we recommend that you leave them turned on.
What are pixels and how do you use them?
"Pixels" or "pixel tags" are tiny graphic images placed on certain pages of our Web site but not on your computer. When you access these pages, pixel tags generate a generic notice of that visit; at no time is your Personal Information collected by the pixel tag. Pixel tags allow us to measure and improve our understanding of visitor traffic and behavior on our Web site. We may also utilize pixel tags provided by our affiliates and/or marketing partners for the same purposes.
How can I disable my pixel tags?
You can disable pixel tags by changing your browser settings to omit images. Alternatively, there are some commercial software packages available that can omit pixel tags.
How do you secure member information?
We work to protect the security of your information during transmission by using Secure Socket Layer (SSL). When you place an order online, the SSL scrambles or encrypts your information before it is sent to us over the Internet. This protects your credit card information from being read while it is transferred through cyberspace. When we receive your order, the information is kept encrypted until we are ready to process your request. SSL is supported by Netscape 2.0+, Microsoft IE 3.0+ and most frame-enabled browsers. You will see a small key or padlock in the bottom right corner of your browser if you are using Netscape or Microsoft browsers, indicating that your transaction is secure. In addition, we meet all of the stringent requirements of the VerisignTM security seal for all online transactions.
Internal access to member information is protected and can only be accessed by password. We also contract with industry experts to institute and review Web security on a periodic basis.
Do these same policies apply to third-party Web sites that I access through Credit Diagnosis?
No. The Privacy and Security Policy appearing on this Web site relates to Credit Diagnosis. You will notice that our Web site may contain links to other sites such as our benefit providers. We cannot be responsible for the privacy and security practices of other Web sites that you may access through our site, even if displayed within a frame on our site. As an online consumer, you should always review a particular Web site’s privacy and security policies when linking to that site before revealing any Personal Information to that site.
How do you update your Privacy and Security Policy?
We will notify you if there is a material change in our privacy practices. We will take commercially reasonable measures to obtain written or active e-mail consent from the member if Credit Diagnosis is going to be using the information collected from the member in a manner different from that stated at the time of collection. We will also post the changes in our Privacy and Security Policy prior to a change.
How do I contact the web site?
If you have any questions about the practices of this Web site or your dealings with this site, you can send us an email through our Contact Us page or write to us at Membership Services, Credit Diagnosis, 8770 W. Bryn Mawr, Suite 1000, Chicago, IL 60631.
By using our Web site, you consent to the collection and use of information as it is disclosed in this Privacy and Security Policy statement. If you do not agree we ask that you do not use our site. Thank You.
Effective March 12, 2012