Privacy Policy
This Privacy
Policy governs your use of this Website and any content, products or services
made available from or through this website including any sub domains thereof
(“Website”). The Website is made
available by creditonthedouble.com (Hereinafter referred to as “Company”).
By visiting
this Website and requesting information, products or services offered on or
through this Website, you agree to the terms of this Privacy Policy, as they may
be amended from time to time. As
Company updates or expands its Website, services or products, this Privacy
Policy may change and the changes are effective upon posting. Please check back
frequently for updates as it is your sole responsibility to be aware of changes. Company does not provide notice of
changes in any manner other than by posting the changes at this Website. This Privacy Policy is incorporated
into, and part of, the Website Terms and Conditions which govern your use of
this Website in general.
This Website
is intended for users who are located in the
Purpose of the Privacy Policy.
This Policy
describes the information collection, use, and dissemination practices of
Company, its parent, subsidiaries and registered d/b/a companies (Collectively
Referred herein after as “Company”) and all related websites owned or registered
to Company. It governs Company’s
right to collect, use, store and disclose information provided by You on its (a)
this Website, (b) Company’s other Websites, (c) on various Third Party websites,
and (d) Company's other information collection and distribution practices,
including the acquisition of your information from and to Third Parties. Company
is not responsible for the information collection or privacy practices of third
party websites or applications which company does not own or control.
By providing
us with Personal Information about yourself on our Website or in the course of
using our services, you consent to the transfer of your Personal Information,
and any other data we acquire about you from third-party service providers for
commercial use.
Information Collection, Use, and Dissemination practices.
1.0. Collection of
Information.
1.1.
User Direct Information. Each time
you provide or transmit information via the Website, Company may obtain and
collect personal information about you, including, but not limited to, your
name, email address, mailing address, social security number, credit card
information, bank account information and telephone or cell phone number
(collectively referred to as "Personal Information").
1.2.
Survey Information. Company may
collect Personal Information from you when you voluntarily complete a Company
survey, order form, or a registration page either online by using the internet
or offline by providing this information through the mail, in person or using a
telephone. This information may be collected by surveys, order forms, or
registration pages operated by third parties. This method of collection is
collectively known as a “Survey.” In such Surveys, Company or a third party may
ask you to provide Personal Information including your name, email address,
street address, zip code, telephone numbers (including cell phone numbers and
carriers), birth date, gender, salary range, education and marital status,
occupation, social security number, employment information, personal and online
interests, and such other information as may be requested from time to time.
Company may also collect such information concerning you from another source and
uses that information in combination with information provided from the Website
or Surveys. Completing the Surveys is completely voluntary, and you are under no
obligation to provide Survey Information to Company or a third party.
1.3.
Third Party Information. Company
may collect Personal Information from you when you provide information to a
third party and Company subsequently acquires or uses the information provided
by the third party. Such information may include, but is not limited to, your
name, email address, street address, zip code, telephone numbers (including cell
phone numbers and carriers), birth date, gender, salary range, education and
marital status, occupation, industry of employment, personal and online
interests, and such other information you may have provided to the third party.
When acquiring this information, Company seeks assurances from the third party
that you agreed to provide and have such information acquired by Company. If you did not give express
permission, or you would like to remove your permission, you may suppress all of
your information by notifying us here:
link
1.4.
Other Methods of Collecting Personal Information.
Other occasions when Company obtains
information from you include: (1) when you claim a prize or seek to redeem an
offer by Company or by a third party; (2) when you request assistance through
Company’s customer service department; and (3) when you voluntarily subscribe to
a Company service or newsletter.
1.5.
Cookies, Web Beacons, and Other Info Collected Using Technology.
Company currently uses cookie and web
beacon technology to associate certain Internet-related information about you
with information about you in its database. Additionally, Company may use other
new and evolving sources of information in the future.
(a) Cookies. “Cookies” are a feature in your
browser software. If enabled, we may write cookies that may store small amounts
of data on your computer about your visit to any of the pages of this Site.
Cookies assist us in tracking which of our features appeal the most to you and
what content you may have viewed on past visits. When you visit this site again,
cookies can enable us to customize our content according to your preferences. We
may use cookies to: keep track of the number of return visits to this site;
accumulate and report aggregate, statistical information on website usage;
deliver specific content to you based on your interests or past viewing history;
save your password for ease of access to our Site.
You can disable cookies, although the
Site may not function properly for you. Your browser preferences can be modified
to accept or reject all cookies, or request a notification when a cookie is set.
You may read more about cookies at http://cookiecentral.com. In order to use all
of the features and functionality of Company’s websites, you need to accept
cookies.
(b) Web
Beacons. A web beacon is a programming
code that can be used to display an image on a web page, but can also be used to
transfer your unique user identification to a database and associate you with
previously acquired information about an individual in a database. This allows
Company to track certain websites you visit. Web beacons are used to track
online behavioral habits for marketing purposes to determine products or
services you may be interested in. In addition to using web beacons on web
pages, Company also uses web beacons in email messages sent to individuals
listed in Company’s database.
(c) IP
Addresses. Company automatically tracks
certain information based upon your behavior on the site. We may use this
information to do internal research on our users' demographics, interests, and
behavior to better understand, protect and serve you and our community. This
information may include the URL that you just came from (whether this URL is on
the site or not), which URL you next go to (whether this URL is on the site or
not), your computer browser information, and your IP address. Your Internet
Protocol ("IP") is a unique Internet "address" which is assigned to you by your
Internet Service Provider ("ISP"). For local area network ("LAN"), DSL, or cable
modem users, an IP address may be permanently assigned to a particular computer.
IP addresses are automatically logged by Web servers, collecting information
about a user's traffic patterns. While the IP address does not identify an
individual by name, it may, with the cooperation of the ISP, be used to locate
and identify an individual using the Web. Your IP address can, however, reveal
what geographic area you are connecting from, or which ISP you are using.
Finally, other websites you visit have IP addresses, and we may collect the IP
addresses of those websites and their pages.
(d) Computer
Profiles. Company may also collect and
accumulate other anonymous data which will help us understand and analyze the
Internet experience of our visitors. For instance, Company may accumulate
visitor data relating to referring domain names, the type of browsers used,
operating system software, screen resolutions, color capabilities, browser
plug-ins, language settings, cookie preferences, search engine keywords and
JavaScript enablement. When you provide us with Personal Identification
Information, we are able to use such visitor data to identify you.
(e) Data
Analysis. Data Analysis technology may be
employed from time to time if used by a Client of Company.
(f)
New Technology. The use of technology on
the Internet, including cookies and web beacons, is rapidly developing. As a
result, Company strongly encourages individuals to revisit this policy for any
updates regarding its use of new technology.
1.6.
No Information Collected from Children. Company
will never knowingly collect any Personal Information about children under the
age of 13. If Company obtains actual
knowledge that it has collected Personal Information about a child under the age
of 13, that information will be immediately deleted from its database.
Because it does not collect such
information, Company has no such information to use or to disclose to third
parties.
1.7.
Credit Card Information and Bank Account Information.
Company may, in certain instances,
collect credit card numbers, bank account information and related information
when an individual places an order on Company’s Website. When the credit card or
bank account information is submitted to Company, such information is encrypted
and is protected with SSL encryption software. Company will use the credit card
information or bank account information for purposes of processing and
completing the transaction you requested on the Website, and the credit card
information or bank account information will be disclosed to third parties as
necessary to complete the requested purchase transaction.
2.0. Use of
Personal Information.
2.1.
General Use. The following
paragraphs describe how Company currently uses Personal Information, but Company
may change or broaden its use at any time.
As noted below, Company may update this policy from time to time. Company
may use Personal Information to provide promotional offers to individuals by
means of email advertising, telephone marketing, direct mail marketing, mobile
marketing, online banner advertising, and package stuffers, among other possible
uses.
2.2
Disclosure of Information to Participating Service Providers of Services. Company will
disclose your Personal Information in order to
effect or carry out any transaction that you have requested of us or as
necessary to complete our contractual obligations with you. WE RESERVE THE RIGHT
TO SELL, RENT OR TRANSFER YOUR PERSONAL INFORMATION TO our participating service
providers, as authorized by you, which include: lenders, agents, and debt
management firms FOR ANY PURPOSE IN OUR SOLE DISCRETION. We prohibit the sale or
transfer of personal information to non-affiliated entities for their use
without giving you the opportunity to opt-out (See Opt-Out below). We may share
your personally identifiable information with affiliated companies that are
directly or indirectly controlled by, or under common control of Company. We may
send personally identifiable information about you to non-affiliated companies
that are not directly or indirectly controlled by, or under common control of,
Company.
2.3.
Email and Unsubscribe Policy. Company
uses Personal Information to provide third party promotional offers by email to
individuals. Company may maintain
separate email lists for different purposes.
If email recipients wish to end their email subscription from a
particular list, they need to follow the instructions at the end of each email
message to unsubscribe from the particular list.
To unsubscribe from all Company’s email lists, a person must send an
email to atloptout@gmail.com.
2.4.
Content of Email Messages. You may
receive certain commercial email messages sent by third parties for products
which may be of interest to you. In
such case, an Advertiser's name will appear in the "From:" and the email will
have a method at the bottom of the email to unsubscribe from that Advertiser. Company is not responsible for
third party emails sent to you.
2.5.
Solicited Email. Company only
sends email to individuals who have agreed on the Website to receive email from
Company or to individuals who have agreed on a Third Party website to receive
email from Third Parties. As such,
Company does not send unsolicited email messages.
As a result,
2.6.
Targeted Advertising. Company may
use Personal Information to target advertising to an individual. When an individual is using the
Internet, Company uses Technology Information to associate an individual with
that person's Personal Information, and Company attempts to show advertising for
products and services in which the person has expressed an interest in the
Surveys, indicated an interest by means of Technology Information, and
otherwise. Company may, at its discretion, target advertising by using email,
direct mail, telephones, cell phones, and other means of communication to
provide promotional offers.
2.7.
Telemarketing. Company may use
Personal Information to advertise, directly or indirectly, to individuals using
direct mail marketing or telemarketing using telephones and cell phones. You may
have your telephone number or cell phone number listed on a state or federal do
not call registry. By registering
and using this Site, you agree that such act constitutes a purchase, an inquiry
and/or an application for purposes of the Amended Telemarketing Sales Rule, 16
CFR §310 et seq. (the "ATSR"). Notwithstanding that your telephone number may be
listed on the Federal Trade Commission's Do-Not-Call List, you have authorized
us to contact you via telemarketing in accordance with the ATSR. Moreover,
by registering with, or requesting information from, a third-party advertiser at
or through the Website or other advertisement media made available by us (e.g.,
email marketing), you agree that such action shall constitute a purchase, an
inquiry and/or an application with the respective third-party advertiser for
purposes of the ATSR and you may be contacted via email, direct mail and/or
telemarketing by such third-party advertiser in accordance with the ATSR.
We may use
Personal Information to provide the services you've requested, including
services that display customized content and advertising.
2.8.
Wireless Addresses. If the e-mail address you provide to
Company is a wireless e-mail address, you agree to receive messages at such
address from Company or its business associates (unless and until you have
elected not to receive such messages by following the instructions in the
unsubscribe portion of this policy).
You understand that your wireless carrier's standard rates apply to these
messages. You represent that you are
the owner or authorized user of the wireless device on which messages will be
received, and that you are authorized to approve the applicable charges.
2.9.
Short Message Service. Company may
make available a service through which you can receive messages on your wireless
device via short message service (“SMS Service”).
Data obtained from you in connection with this SMS service may include
your name, address, cell phone number, your provider's name, and the date, time,
and content of your messages. You represent that you are 18 years of age and the
owner or authorized user of the wireless device on which messages will be
received, and that you are authorized to approve the applicable charges. In addition to any fee of which you
are notified your provider's standard messaging rates apply to our confirmation
and all subsequent SMS correspondence. All
charges are billed by and payable to your mobile service provider. Company will
not be liable for any delays in the receipt of any SMS messages, as delivery is
subject to effective transmission from your network operator. SMS message
services are provided on an AS IS basis. Company
may also obtain the date, time and content of your messages in the course of
your use of the SMS Service. We will
use the information we obtain in connection with our SMS Service in accordance
with this Privacy Policy. If fees
are charged to your wireless account invoice, we may provide your carrier with
your applicable information in connection therewith. Your wireless carrier and other
service providers may also collect data about your wireless device usage, and
their practices are governed by their own policies.
You acknowledge and agree that the SMS Service is provided via wireless
systems which use radios (and other means) to transmit communications over
complex networks. We do not
guarantee that your use of the SMS Service will be private or secure, and we are
not liable to you for any lack of privacy or security you may experience. You are fully responsible for taking
precautions and providing security measures best suited for your situation and
intended use of the SMS Service. We
may also access the content of your account and wireless account with your
carrier for the purpose of identifying and resolving technical problems and
service-related complaints.
You may remove your information from Company’s database. If you remove
your information from Company’s database it will no longer be used by Company
for secondary purposes, disclosed to third parties, or used by Company or third
parties to send promotional correspondence to you. You may remove your
information by sending your request in writing via email to atloptout@gmail.com
or by sending "STOP", "END", "QUIT" to the SMS text message you have received.
2.10. Use of Technology Information.
Company may use Technology Information
(1) to match a person's Personal Information and Third Party List Information to
other categories of Personal Information to make and improve profiles of
individuals, (2) to track a person's online browsing habits on the Internet, (3)
to determine which areas of Company's websites are most frequently visited. This
information helps Company to better understand the online habits of individuals
so that Company can target advertising and promotions to them.
2.11. Profiles of Individuals.
Company may use Personal Information to
make a profile of an individual. A
profile can be created by combining Survey Information and Third Party List
Information with other sources of Personal Information such as information
obtained from public databases.
3.0. Other Use of
Personal Information. Company may use
your Personal Information in the following ways:
3.1.
Public
Forums. When you contribute to a public
area or feature of our Website, such as a chat room, bulletin board, list serve,
blog, wiki or other open forum that we may make available on or through our
Website, the information that you submit will be made available to the general
public and will not be considered “Personal Information” for purposes of this
Privacy Policy. For this reason, we
recommend that you do not submit any sensitive information, including your full
name, home address, phone number, other information that would enable other
users to locate you or your financial information on these areas of our Website. Instead, make up a username that does
not disclose your personal identity.
3.2.
Third Party Offers. Company
may provide your Personal Information to third parties with whom they have a
business relationship for the purposes of securing the services and products you
have requested or provide you with additional marketing materials from which you
may choose additional products or services.
Company may make your Personal Information available to companies or
other entities not affiliated with the Company that have goods, services and
offers that might be of interest to you so that they may send you these offers.
3.3.
Marketing.
Company will use your Personal
Information for any marketing and survey purpose on behalf of Company and its
affiliates and subsidiaries to send information to you about additional goods or
services that may be of interest to you. In addition, Company will disclose your
Personal Information to third party agents and independent contractors to help
us conduct our marketing and survey efforts including but not limited to direct
marketing. You may have no relationship with these other companies.
3.4.
Co-sponsored
Contests, Sweepstakes and Offerings. Company
may provide a contest; sweepstake and other offering may be co-sponsored by
another company. In those
situations, the information we obtain from you in connection with such contest,
sweepstake or offering may be shared with our co-sponsor. In those situations, our co-sponsors
will have the right to use your information for their own purposes, in
accordance with their own policies.
If you do not wish for the information we obtain from you to be shared with our
co-sponsor, then do not enter such contest, sweepstake or other offering or
otherwise provide to us any Personal Information in connection with such
contest, sweepstake or other offering.
We are not responsible for how our co-sponsors may use your information.
3.5.
Technical Service Providers.
Company may use third-party advertising companies to serve ads when you visit
our website. These third party’s may use information (not including your name,
address, email address, or telephone number) about your visits to this and other
websites in order to provide advertisements about goods and services of interest
to you. Company may also use third parties to help operate our Website, deliver
products and services, and Company may share your Personal Information with such
third parties for our business (such as Website or database hosting companies,
address list hosting companies, e-mail service providers, analytics companies,
distribution companies, fulfillment companies, and other similar service
providers that use such information on our behalf). Unless otherwise stated, these
parties do not have any right to use the Personal Information we provide to them
beyond what is necessary for them to assist us.
When you conduct e-commerce with one of the e-commerce affiliates or
service providers to which the Website may be linked, certain Personal
Information such as your e-mail and home address may be collected by the service
provider’s server and made available to us.
3.6.
Aggregate Statistics. Company may
disclose aggregate statistics regarding user behavior as a measure of interest
in, and use of, our Website and e-mails to third parties in the form of
aggregate data, such as overall patterns or demographic reports that do not
describe or identify any individual user.
3.7.
Complying with Legal Process. Company
will use or disclose your Personal Information in response to subpoenas, court
orders, warrants, or legal process, or to otherwise establish or exercise our
legal rights or defend against legal claims or in the event you violate or
breach an agreement with Company. Company will use and disclose your Personal
Information if we believe you will harm the property or rights of Company , its
owners, or those of Company 's other customers. Finally, we will use or disclose
your Personal Information if we believe it is necessary to share information in
order to investigate, prevent, or take action regarding illegal activities,
suspected fraud, situations involving potential threats to the physical safety
of any person, violations of Company’s acceptable use policy, or as otherwise
required by law when responding to subpoenas, court orders and other legal
processes.
3.8.
Order Fulfillment. Company will
transfer your Personal Information to third parties when necessary to provide a
product or service that you order from such third party while using Company’s
websites or when responding to offers provided by Company.
3.9.
Data Summary. Company may sell or
transfer non-individualized information, such as summary or aggregated anonymous
information about all persons or sub-groups of persons.
4.0. Privacy
Practices of Third Parties.
4.1.
Advertiser cookies and web beacons. Advertising agencies, advertising
networks, and other companies who place advertisements on the websites and on
the internet generally may use their own cookies, web beacons, and other
technology to collect information about individuals. Company does not control
the use of such technology and Company has no responsibility for the use of such
technology to gather information about you.
4.2.
Links. The websites and email
messages sometimes contain hypertext links to the websites of third parties.
Company is not responsible for the privacy practices or the content of such
other websites. Linked websites may contain links to websites maintained by
third parties. Such links are provided for your convenience and reference only.
Company does not operate or control in any respect any information, software,
products or services available on such third party websites. The inclusion of a
link to a website does not imply any endorsement of the services or the site,
its contents, or its sponsoring organization.
4.3.
Affiliations/Merger/Sale. Company
further reserves the right to disclose, transfer or sell your Personal
Information to companies who are affiliated with Company in Company’s sole
discretion. If Company changes
ownership through an acquisition, merger, sale or other change of business
status, it reserves the right to transfer or assign the right to use your
Personal Information collected from the Website.
5.0. Foreign use of
the Website. To the extent that you are accessing
the Website while domiciled outside of the
6.0 Security
We endeavor
to safeguard and protect your information. When you submit information at the
website, such information is protected both online and offline. The servers in
which we store Personal Information are kept in a secure physical environment.
Company has security measures in place to protect against the loss, misuse, and
alteration of personal information under our control. Currently, Company uses
Secure Socket Layer Software ("SSL") to protect data and to secure any
transactions. SSL encrypts information, including credit card numbers, names and
addresses as they are transmitted over the Internet. Please be advised that,
although Company takes reasonable technological precautions to protect your
data, no data transmission over the Internet can be guaranteed to be 100%
secure. Therefore, Company cannot and does not warrant that your information
will be absolutely secure. Any transmission of data at or through our website is
at your own risk. However, access to your information is strictly limited, and
not accessible to the public.
7.0
Choice/Opt-out
Company
provides you the opportunity to ‘opt-out’ of having your personally identifiable
information used for certain purposes, when it asks for this information. For
example, if you purchase a product/service but do not wish to receive any
additional marketing material from us, you can indicate your preference by
emailing or calling us per the information contained on our contact page.
If you no
longer wish to receive our promotions, you may opt-out of receiving it by
following the instructions included in each newsletter or communication or by
emailing or calling us per the information contained on our contact page.
Customer Care Contact Information:
atloptout@gmail.com
7.0
California User Consumer Rights.
California
Civil Code Section 1798.83 permits