- We only send email to you if you have elected to receive it.
- If we determine that any account with us is being used for the purpose of sending spam, we will take action to shut it down as soon as possible.
We will never give any information about you to others without your express permission. Our website uses forms in which you give us contact information (like your name, address, phone number, fax number, billing information and email address) so you can create an account, place orders, request information, etc. We use your customer information only when it will be important for us to contact you regarding functionality changes to our products, our site, new services, and special offers we think you’ll find valuable, and to provide customer service.
We use both session ID cookies and persistent cookies. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file.
Our site also contains links to other third party websites. BadCredit.com is not responsible for the privacy practices or the content of such websites. We encourage you to carefully read the privacy statement of any website you visit.
Our site has security measures in place to protect the loss, misuse and alteration of the information under our control. We use 128 bit SSL security to encrypt any transmissions when you provide personal data, etc. No method of transmission over the Internet, or method of electronic storage, is 100 percent secure, however.
For California Residents
On September 27, 2013, A.B. 370 was signed into law, amending the California Online Privacy Protection Act to require operators of commercial websites like BadCredit.com to disclose: (1) How BadCredit.com responds to “Do Not Track” signals; and (2) Whether third parties collect personally identifiable information (PII) about users when they visit BadCredit.com.
BadCredit.com does not engage in the collection of personally identifiable information (PII) about an individual consumer’s online activities over time and across third-party Web sites or online services. BadCredit.com does not honor “do not track” signals. Users who chose to use “do not track” signals will still have access to BadCredit.com. BadCredit.com does not permit third parties to collect PII about an individual consumer’s online activities over time and across different Web sites when a consumer uses BadCredit.com.
We use emails to communicate with you, to confirm your placed orders, and to send information that you have requested. We also provide email links, on the bottom of most pages and our Contact page, to allow you to contact us directly. We strive to promptly reply to your messages.
The information you send to us may be stored and used to improve our site and our products, or it may be reviewed and discarded. However, your information will only be shared with third parties with your explicit permission.
Only if We Have to
As stated previously in this policy, we will never give out your information without your permission or in ways other than as outlined in this policy. The only exceptions to this are, when we are required by law, in the good-faith belief that such action is necessary in order to conform to the edicts of the law, or we must comply with a legal process served on our website.
If BadCredit.com is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.
Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities. While BadCredit.com is not a financial institution, lenders we work with are financial institutions. What this means to you: when you submit information to BadCredit.com, we will ask for your name, physical address, mailing address, date of birth, and other information that will allow us to identify you. This information will be passed on to the lender that you are connected with on BadCredit.com.
Changes in Our Practices
If we change our information handling practices or other privacy aspects, we will post those changes on this privacy statement, at least seven days prior to their implementation. If we make any material changes we will notify you by means of a notice on this site prior to the change becoming effective. Please review our privacy policies from time to time to know about the changes. We may also try to notify you through email of the privacy changes if necessary.
We use a credit card processing company to bill users for goods and services. This company does not retain, share, store or use personally identifiable information for any secondary purposes.
We post customer testimonials on our website, which may contain personally identifiable information. We do obtain the customer’s consent via email prior to posting the testimonial to post their name along with their testimonial.
Our website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected and used by others who access them. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.
Contacting the Website
If you have questions or concerns regarding this statement, you can contact BadCredit.com at:
548 Market St., #65155
San Francisco, CA 94104-5401
In addition to using cookies and related technologies as described above, we also may permit certain third party companies to help us tailor advertising that we think may be of interest to users and to collect and use other data about user activities on our Sites and/or Services (e.g., to allow them to tailor ads on third party services). These companies may deliver ads that might also place cookies and otherwise track user behavior.
We use Google Analytics’ 3rd-party audience data such as age, gender and interests to better understanding the behavior of our customers and work with companies that collect information about your online activities to provide advertising targeted to suit your interests and preferences. For example, you may see certain ads on this website or other websites because we contract with Google and other similar companies to target our ads based on information we or they have collected, including information that was collected through automated means (such as cookies and web beacons). These companies also use automated technologies to collect information when you click on our ads, which helps track and manage the effectiveness of our marketing efforts.
You may opt out of the automated collection of information by third-party ad networks for the purpose of delivering advertisements tailored to your interests, by editing your Google Display Network ads’ preferences at http://www.google.com/ads/preferences/. For further information regarding the privacy practices of our advertisement provider, please visit http://www.google.com/privacypolicy.html.
We collect and combine personally identifiable information (“PII”) and non-personally identifiable information (“Non-PII”) through various sources, including those discussed herein. We may obtain Information about you from third parties such as: credit reports, information about your home and demographic information. When you submit your request for information or quote, you are granting us permission to share your PII and Non-PII, including the contact and loan request data you submit with affiliated third parties, including affiliate companies and co-branded partners; you are also granting us permission to be contacted by us or our affiliated third parties, including affiliate companies and co-branded partners. Affiliated third parties include, but are not limited to, banks, commercial lenders, unsecured lenders, secured or titled lenders, and licensed loan brokers, financial service providers (such as mortgage and life insurance agencies), title service companies, debt and credit services companies and auto-finance companies. An “affiliate company” is a company under legal contract with us to fulfill services or is a company owned in whole or in part by us. A “co-branded partner” is a contracted partner with whom we work to provide co-branded services on our website. We do not engage in the collection of PII about an individual consumer’s online activities over time and across third-party Web sites or online services. We do not honor “do not track” signals. Users who chose to use “do not track” signals will still have access to our site. We do not permit third parties to collect PII about an individual consumer’s online activities over time and across different Web sites when a consumer uses our site.