Information that CC collects when you visit the Site
We collect personally identifiable information, including, without limitation, non-public personal information, as well as other types of personally identifiable information from you and from other sources. The reason for collecting personal information is to provide better financial products and services. Personal information also helps us personalize and improve your experience on our Site. We collect personal information included in transactions, applications, registration forms or surveys submitted through the Site, including, without limitation, name, address, telephone number, social security number, driver’s license number, email address, employment information, military status, demographic information, bank account information, and information about your assets, debts and income; credit balances, payment history, overdraft history, parties to transactions, and your reasons for doing business with us; third party information, such as personal references, consumer credit reports; and information obtained from your web browser (home server domain names, IP address, type of client computer, and type of web browser)(collectively, “Personal Information”). At other times, CC may collect information that cannot be used to identify you. For example, we may aggregate non-personal information about you and other customers who visit our Site. Aggregated information will not contain any information that can be linked directly back to you. Such information will be used to analyze the effectiveness of our business and advertising models. In order to provide you with effective services, we may collect personal and non-personal information about you from our affiliated entities, business partners, service providers, and other third parties. For example, we may obtain information about your home, the services that you purchased for your home, or other demographic information.
How CC collects information from visitors to the Site
CC also collects additional information from your web browser each time you visit our Site. This information includes your IP address, the type of browser, the time that your browser was used to access our Site, the content from our cookies, and the referring website address. We may also use other standard web-based technologies to analyze your movements while accessing our Site. The technologies include, web “beacons,” “pixel tags,” and “clear gifs.” These technologies help us ascertain the effectiveness of our advertising campaigns, allow us to customize the services offered on our Site, and help determine the best use for content and programming. Some of this information, including the IP address that we obtain from your browser, is stored on our server logs, and may be available for extended periods of time.
Sometimes our authorized service providers, business partners, or other affiliated businesses and ad networks display advertisements on our Site. Tracking technologies may be used to monitor your interactions with the advertisements while on the Site. The technology will allow CC to provide targeted advertising and evaluate the effectiveness of advertising campaigns.
How CC uses the information that we collect
CC uses the Personal Information to conduct business, to provide you with customer support, to perform functions that are described to you at the time of collection, and to enforce our terms & conditions. We use Personal Information to provide you with information about the products and services that interest you, analyze customer demographics and industry statistics, improve your Site experience, update account records, and to comply with all reporting and other legal requirements; and provide our third-party service providers, including advertisers and advertising networks with feedback information. CC may use your personal information to contact you via mail or email, or telephone, text or mobile devices in order to give you updates about CC or other third parties’ product and service offerings, and promotional events that may be of interest to you.
How we may share your Personal Information
(Customers that reside in California, North Dakota or Vermont should refer to the state-specific notices provided at the end of this policy.)
CC may also disclose your Personal Information as is necessary to: (a) comply with a subpoena or court order; (b) cooperate with law enforcement or other government agency; (c) establish or exercise our legal rights; (d) protect the property or safety of our company and employees; (e) defend against legal claims; (f) help with internal and external investigations; or (g) as otherwise required by law or permitted by law. We may disclose your information in connection with the sale or merger of CC, or any transaction that involves the sale or assignment of some or all of our assets.
The third parties with whom we share personal information may have their own privacy policies. Those privacy policies will govern the use, handling and further disclosure by the third parties of your personal information once we have shared your personal information with such third parties. You should visit the websites and read the privacy policies of those third parties. Some third parties merely provide links to our website and those third parties will also have separate privacy policies that will govern how your information is used by those websites.
How CC protects your Personal Information
CC has implemented physical, electronic, and procedural security measures to assist with safeguarding Personal Information, and to help protect against unauthorized access and disclosure. Only our employees and authorized service providers who are performing legitimate business functions for CC are permitted to access Personal Information. We also use encryption to protect any sensitive personal information that is transmitted or authorized to be transmitted by CC, and we also use electronic firewalls to help prevent unauthorized individuals from gaining access to Personal Information.
Notwithstanding our efforts, the Internet has inherent security risks. CC cannot promise, and you should not expect, that Personal Information, personal searches, and other communications will always remain secure. You should take care with regard to how you handle and disclose Personal Information.
How you may access and change the information that CC collects
The first time that you provide us with registration information through our Site, you will be able to decide whether you want to subscribe to emails, texts or newsletters. After your first use, you can change your initial choices by contacting customer service email at email@example.com. Each commercial email or text that we send to you will offer you the opportunity to opt-out of continuing to receive such messages. We may take up to 10 days to process your opt-out requests. In some instances, we may have already shared your information with one of our authorized third parties before you changed your email, text and newsletter choices. Federal Trade Commission email compliance guidance allows us to send you transactional and relationship email without offering you the opportunity to opt-out of receiving those types of email. In those cases, you may have to directly contact those third parties to opt-out of receiving their communications.
We Do Not Collect Information from Children
CC content is neither directed toward minors, nor children under the age of 13. We do not knowingly collect personal information from children under the age of 13. If CC becomes aware that a child under the age of 13 has provided us with Personal Information, that information will be deleted from our databases. Parents who have questions about Personal Information that may have been submitted by a child under the age of 13 should email us at firstname.lastname@example.org.
If you have provided CC with Personal Information, we will always offer you the opportunity to choose whether to receive communications from us at the time you provide us with that information. You can always update your Personal Information and communication preferences by contacting us at email@example.com.
Notice to California Residents
Pursuant to state law, CC will not share information it collects about you to affiliated companies or third parties, except in the limited circumstances permitted under state law, or if you give us permission.
California Civil Code Section 1798.83, also known as S.B. 27, allows California residents to request certain information regarding our disclosures made in the prior calendar year, if any, of personally identifiable information to third parties for their own direct marketing purposes. To make such a request please contact us at firstname.lastname@example.org.
Notice to North Dakota Residents
Pursuant to state law, CC will only share information about you to our service providers and third parties as required or permitted by law, or if you give us permission.
Notice to Vermont Residents
CC will not disclose information about you to affiliated companies and third parties, other than as required or permitted by law, without your express permission.