| Privacy
Policy @ BadCredit.com
D & D Marketing
is a licensee of the TRUSTe Web
Privacy Seal Program. TRUSTe is
an independent, organization whose
mission is to build user’s trust
and confidence in the Internet by
promoting the use of fair information
practices. This privacy statement
covers the Web site www.badcredit.com.
Because this Web site wants to demonstrate
its commitment to your privacy,
it has agreed to disclose its information
practices and have its privacy practices
reviewed for compliance by TRUSTe.
If you have questions
or concerns regarding this statement,
you should first contact info@badcredit.com
. If you do not receive acknowledgement
of your inquiry or your inquiry
has not been satisfactorily addressed,
you should contact TRUSTe at http://www.truste.org/consumers/watchdog_complaint.php
TRUSTe will then serve as a liaison
with us to resolve your concerns.
Contact
Us: info@BadCredit.com
Because Bad Credit
wants to demonstrate its firm commitment
to your privacy, BadCredit.com has
agreed to disclose its information
gathering and dissemination practices.
BadCredit.com will notify you of:
1. What information is collected
from you through the website.
2. The organization collecting the
information.
3. How the information is used.
4. With whom the information may
be shared.
5. What choices are available to
you regarding collection, use and
distribution
6. Security procedures that are
in place to protect the information
under BadCredit.com
7. How you can correct any inaccuracies
in the information.
If you feel that
BadCredit.com is not abiding by
its posted privacy policy, you wish
to modify information previously
given, or have any questions regarding
the privacy policy, please contact
us via e-mail at info@badcredit.com.
Who We
Are & What We Do:
BadCredit.com (“Company”
or “we” or “our”), owns and operates
the website located at www. BadCredit.com,
(the “Site”). Through the Site,
Company operates a prospective customer
data base (the “Service”), by which
it compiles, sorts and sells contact
information to businesses on behalf
of individual consumers who have
shown an interest in applying for
a business' products or services
and has affirmatively asked to be
contacted by a representative of
a product or service business. Company
utilizes third party vendors, third
party affiliates, and a variety
of media advertisements to promote
the Site to consumers interested
in completing an online application
at our Site or to supplement our
database by purchasing their database
of consumers who have completed
applications on websites other than
Company's and have affirmatively
requested receipt of information
about product or service offerings
similar to those offered on Company's
Site.
Company also promotes
its product and service offerings
via e-mail or telephone to consumers
who requested that they be contacted
either through our online application
opt-in process via our Site or through
an Opt-In process on one of our
many vendor or affiliate sites (List
Members). List Members will then
receive email or telephone contacts.html
only for so long as they wish to
continue to receive such contacts.html.
List Members can
get off our telephone and e-mail
contact lists at any time, no questions
asked. You can remove yourself from
further contact from Company by
clicking on the OPT-Out link contained
in each e-mail, or by sending in
your OPT-Out request via e-mail
to info@badcredit.com.
If you choose to
remove yourself from our contact
list, if applicable, we will also
forward your name and contact information
to the specific vendor or affiliate
marketer who provided your informational
request to us so that they can include
your name on their do-not-contact
list too. Please bear in mind that
if your information was purchased
commercially from a third party
vendor, Company may not be the only
data company your contact information
was sold to. Additionally, our third
party vendor or affiliate may have
purchased your contact information
from someone else and thus you may
continue to receive contacts.html
from those companies as well. Company
is not responsible for stopping
all unwanted contacts.html from
sources beyond our immediate control.
Your Privacy
Is Our Concern
We recognize the
importance of protecting your personal
information. We collect and retain
information about you to communicate
with you, to process your requests
for products and services, and to
inform you about other financial
services that may be of interest
to you through our news letter.
Except as explained here in our
Privacy Policy, we do not sell or
share personal information about
current or former customers, nor
do we share this type of information
with anyone other than our affiliates
for promotional purposes. In order
to apply for a loan we collect personal
contact information such as driver’s
license, social security number,
name, email address, mailing address,
phone number as well as personal
financial information such as bank
routing and account information.
We want consumers
to feel comfortable using the Site
and participating in the Service,
so we have created this Privacy
Policy to let you know what information
we may collect from you on the Site
and through the Service and how
we may use that information. Please
take a moment to review the terms
of our Privacy Policy. By using
the Site and participating in the
Service, you agree to accept the
terms of our Privacy Policy. If
you do not agree to the terms of
this Privacy Policy, please do not
use the Site or participate in the
Service.
Minors
BadCredit.com does
not knowingly collect personally
identifiable information from children
under 13 years of age.
General
Information Collection & Use
BadCredit.com collects
information through the Site from
our prospective and existing customers
at several different points on our
websites. We use contact information
to send information about our company
and to service existing accounts.
Users may opt-out of receiving future
mailings; see the choice/opt-out
section below. Contact and Financial
information that is collected is
used for verifying your name, address
and other information. Information
about your computer hardware and
software is automatically collected
by BadCredit.com and may be shared
in aggregate with third parties
whose services are used for traffic
analysis purposes. This information
includes: your IP address, browser
type, domain names, access times
and referring website addresses.
This information is used by BadCredit.com
to maintain and improve the quality
of the service and to generate statistics
regarding use of the BadCredit.com
site. BadCredit.com does not use
third party databases to correct
or update the information you submit
to us for any reason.
To maximum friendly
our site usage you don't need to
complete any registration forms.
Also we will not send you any information
such newsletters or updates without
your personal request.
Choice/opt-out
Our site provides
users the opportunity to opt-out
of receiving communications from
us and our partners as previously
described above.
This site gives
users the following options for
removing their information from
our database to not receive future
communications or to no longer receive
our service.
You can send e-mail
to info@badcredit.com.
You can send mail to the following
postal address:
14900 Ventura Blvd. #210
Sherman Oaks, California. 91403
D and D Marketing Corporation
Please note
that participation in certain activities
on our web site may be limited if
personally identifiable information
is not submitted for the user. E-mail
addresses and phone numbers received
in an opt-out request will be added
to our internal Do-Not-Contact registry
within ten (10) Business days following
receipt.
Cookies
A cookie is a piece
of data stored on the user's hard
drive containing information about
the user. Usage of a cookie is in
no way linked to any personally
identifiable information while on
our site. If a user rejects the
cookie, they may still use our site
however without cookies the user
may not have access to certain features
on our site. Cookies can also enable
us to track and target the interests
of our users to enhance the experience
on our site. All cookies served
on the domain, both session and
persistent are tied to the Personally
Identifiable Information you provide.
Links
This web site contains
links to other sites. Please be
aware that Company is not responsible
for the privacy practices of such
other sites. We encourage our users
to be aware when they leave our
site and to read the privacy statements
of each and every web site that
collects personally identifiable
information. This privacy statement
applies solely to information collected
by Company even in cases where we
may frame another site with our
own. From time to time we may co-brand
certain services with third parties.
It will be clear at the point of
collection who is collecting such
information and whose privacy statement
governs.
Security
We use a variety
of security technologies and procedures
to help protect your personal information
from unauthorized access, use, or
disclosure. For example, we store
the personal information you provide
on computer systems with limited
access, which are located in controlled
facilities. When we transmit highly
confidential information (your bank
routing number, social security
or driver’s license) over the Internet,
we protect it through the use of
encryption, such as the Secure Socket
Layer (SSL) protocol.
Disclosure
We cannot ensure
that all of your private communications
and other personally identifiable
information will never be disclosed
in ways not otherwise described
in this Privacy Agreement. By way
of example (without limiting the
foregoing), we may be forced to
disclose information to the government
or third parties under certain circumstances
as required by law, third parties
may unlawfully intercept or access
transmissions or private communications.
As Company develops,
we may buy other businesses or their
assets or sell our business assets.
Customer information is generally
one of the business assets involved
in such transactions. Thus, in the
event that Company or all of its
assets are acquired, customer information,
including any visitor information
collected through the Site, would
be one of the transferred assets.
For more information see our “Notification
of Changes” section below.
Finally, Company
reserves the right to disclose member
information in special cases when
we have reason to believe that disclosing
this information is necessary to
identify, contact or bring legal
action against someone who may be
causing injury to or interference
with (either intentionally or unintentionally)
Company’s rights or property, other
visitors, members, or anyone else
that could be harmed by such activities.
Company also reserves the right
to disclose visitor or member information
when we believe in good faith that
the law requires it.
We reserve the
right to disclose your personally
identifiable information as required
by law and when we believe that
disclosure is necessary to protect
our rights and/or comply with a
judicial proceeding, court order,
or legal process served on our Web
site.
Our Former
Customers
We treat information
about our former customers in the
same manner as we treat information
about our current customers.
Confidentiality
And Security
We restrict access
to nonpublic personal information
about you to those employees who
need to know that information to
provide products or services to
you. We maintain physical, electronic
and procedural safeguards that comply
with federal standards to guard
your nonpublic personal information
against unauthorized access or use.
Maintaining the
accuracy of your information is
a shared responsibility. We maintain
the integrity of the information
you provide us and will update your
records when you notify us of a
change. Please contact us at the
address or phone number listed below
when information concerning you
changes.
Site And
Service Updates
We will send the
user site and service announcement
updates. Members are not able to
un-subscribe from service announcements,
which contain important information
about the service. We also communicate
with user to provide requested services
and in regards to issues relating
to the account via e-mail or telephone
when requested.
Notification
Of Changes
If at any point
we decide to use personally identifiable
information in a manner materially
different from that stated at the
time it was collected, we will prominently
post a notice on the website for
30 days. We may also make a reasonable
effort to notify users by way of
an e-mail. Users have a choice as
to whether or not we use their information
in this materially different manner.
Correct
/ Update Information
If you would like
to verify any data that we have
received from you, make any corrections
or disable the use of your personal
information, please contact us at
info@badcredit.com
Our Address:
14900 Ventura Blvd. #210
Sherman Oaks California. 91403
D and D Marketing Corporation
Effective Date: 3.16.09
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