What do we use your information for?
Any of the information we collect from you may be used in one of the following fifteen ways:
Using pixel tags, web beacons, clear GIFs or other technologies:
These may be used in connection with some Site pages, downloadable mobile applications and HTML-formatted email messages to measure the effectiveness of our communications, the success of our marketing campaigns, compile statistics about usage and response rates, and to assist us in resolving account holders’ questions regarding use of our Site.
As part of our solutions for online authentication, we use Flash objects (sometimes referred to as “Local Shared Objects”) to help us recognize you and your device when you come back to the Site. For our pages running Adobe® Flash® content (demos and tutorials with moving content), we use Flash objects to determine your browser type and version of Adobe Flash in order for you to view the content. We never store Personal Information in these Flash object files unless encrypted. We do not use Flash objects for any online behavioral advertising purpose. Deleting cookies does not delete Flash objects. You can learn more about Flash objects – including how to control and disable them – through the Adobe interface. If you choose to disable Flash objects from our site, then you may not be able to access and use all or part of the Site or benefit from the information and services offered.
Your IP Address is a number that is automatically assigned to the device that you are using by your Internet Service Provider (ISP). An IP Address is identified and logged automatically in our server log files whenever a user visits the Site, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the internet and is done automatically by many web sites. We use IP Addresses for purposes such as calculating site usage levels, helping diagnose server problems, for compliance and security purposes and administering our sites.
Aggregated and de-identified data:
Aggregated and De-identified Data is data that we may create or compile from various sources, including but not limited to accounts and transactions. This information, which does not identify individual account holders, is used for our business purposes, which may include offering products or services, research, marketing or analyzing market trends, and other purposes consistent with applicable laws.
If you submit a lead form to our advertiser by clicking on the "Submit" link on a related advertisers or our businesses’ site, that lead form routes to our advertiser's designated e-mail address. We collect the information you include on the lead form, which may include your personally identifiable information, and we keep this information in our advertiser's account to assist the advertiser in assessing our marketing services.
If you contact one of our advertisers by calling a telephone number that we have provisioned for our advertiser, we may collect personally identifiable information such as your name and telephone number. We keep this information in our advertiser's account to assist the advertiser in assessing our marketing services. We may also record the telephone conversation to track the performance of our marketing services and for quality assurance purposes. If the telephone conversation will be recorded, you will be notified before the conversation begins.
Do we disclose any information to outside parties?
We do not sell, trade, or otherwise transfer to outside parties (those who businesses we do not own or our affiliated suppliers or our trusted third parties) your personally identifiable information. But, we do share personally identifiable information trusted third parties who assist us in operating our website, conducting our business, or servicing you and our business, so long as those parties agree to keep this information confidential. These trusted third parties are not considered outside parties. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect others or ours rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Third party links:
Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
We reserve the right to advertise on pages within our sites (including mobile downloadable apps) as well as on other websites and mobile apps not affiliate with us. Information collected by us or our advertising service providers through cookies and other technologies includes the number of people who look at each of the pages on the Sites, search engine referrals, browsing patterns within our sites, and responses to advertisements and promotions on our sites and on websites where we advertise.
Advertising on our sites:
We advertise our products and services, including pre--screened offers of credit, on pages within our sites. These advertisements may take the form of banner ads, splash ads (ads that appear as you sign on or sign off of your online accounts), and other formats.
Relationship based advertising:
We may customize content and advertisements for our products and services on the Sites we own. In order to make the content and advertising as informative and useful as possible, we may use information about your relationship with us (such as types of accounts, transactional information or the state in which you bank).
Online advertising services:
We also use advertising service providers to help us determine which of our advertisements are most likely to be of interest to you using certain Other Information such as web pages visited, search keywords entered, or your activities on our Site. We limit access and collection of information for specific purposes by advertising service providers. If you prefer we not use relationship based and/or certain Other Information to provide customized content and advertising you may opt out of such advertising. Please note that if you opt out of either relationship based or online behavioral advertising on our Sites, you may still receive generic online advertising from us. When you access account servicing areas (i.e. after sign-in), you may see customized content and advertising based on your account relationships. Opting out means that the content and advertising you receive on our non-servicing sites (i.e. before sign-in) will be generic and will not be based on your relationship, preferences or behavior. See Important Reminder section below.
Advertising on third party sites:
We reserves the right to contract with advertising companies to advertise our products and services on websites and mobile apps not affiliated with us. We may use Aggregated and De-identified Data and information provided by you to these third party websites to select which of our advertisements or offers may appeal to you, display them to you and monitor your responses. Third Party websites are not subject to our Privacy Notices. Please visit the individual websites for additional information on their data and privacy practices and opt-out policies.
Online behavioral advertising:
In order for relationship based or behavioral advertising opt-outs from our Sites and other sites to work on your device, your browser must be set to accept cookies. If you delete cookies, buy a new device, access our Site or other sites from a different device, login under a different screen name, or change web browsers, you will need to opt-out again. If your browser has scripting disabled, you do not need to opt- out, as relationship based or online behavioral advertising technology does not work when scripting is disabled. Please check your browser's security settings to validate whether scripting is active or disabled.
Linking to other sites:
We may provide links to third party websites, such as credit bureaus, service providers or merchants. If you follow links to websites not affiliated or controlled by us, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites. We do not guarantee and is not responsible for the privacy or security of these websites, including the accuracy, completeness, or reliability of their information.
Social media sites:
How do we embed You Tube videos on our site in compliance with You Tube and its members?
We embed You Tube videos on our site in accordance with You Tube Terms of Service (Section 6-C), which states the following:
Section 6-C: For clarity, you retain all of your ownership rights in your Content. However, by submitting Content to YouTube, you hereby grant YouTube a worldwide, non-exclusive, royalty-free, sublicenseable and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the Content in connection with the Service and YouTube's (and its successors' and affiliates') business, including without limitation for promoting and redistributing part or all of the Service (and derivative works thereof) in any media formats and through any media channels. You also hereby grant each user of the Service a non-exclusive license to access your Content through the Service, and to use, reproduce, distribute, display and perform such Content as permitted through the functionality of the Service and under these Terms of Service. The above licenses granted by you in video Content you submit to the Service terminate within a commercially reasonable time after you remove or delete your videos from the Service. You understand and agree, however, that YouTube may retain, but not display, distribute, or perform, server copies of your videos that have been removed or deleted. The above licenses granted by you in user comments you submit are perpetual and irrevocable. YouTube TOS Part 6C
This states that the owner of the video grants you a limited license to embed the video simply by leaving the embed option on, which is part of the functionality of the YouTube Service.
We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information. We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to keep the information confidential. After a transaction, your private information (credit cards, social security numbers, financials, etc.) will may be stored on our servers.
California Online Privacy Protection Act Compliance:
Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent. We are in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.
Terms and Conditions: