Privacy Policy

TERMS OF USE

INTRODUCTION

BY USING THIS WEBSITE AS A GUEST OR BY REGISTERING AS A MEMBER, YOU ARE INDICATING YOUR AGREEMENT TO BE BOUND BY THESE TERMS OF SERVICE. If you do not agree to these Terms of Service, please do not use this website.

CreditCare (hereinafter referred to as WEBSITE) is a service of CreditCare (hereinafter referred to as COMPANY).

MODIFICATION

The Terms of Service may be modified from time to time. Please regularly check the update date at the top of this document to determine whether a change has been made to these Terms of Service. If you do not agree to any changes in the Terms of Service, please terminate your registration with us and quit use of this WEBSITE immediately. Your continued use of WEBSITE will signify your acceptance of any change in the Terms of Service. WEBSITE can also choose to amend these Terms of Service either by emailing you about the amended terms, which take effect when we send you the email, or by displaying amended terms to you when you log in to WEBSITE, which take effect when we post them.

UNAUTHORIZED USE

Unauthorized access, distribution, reproduction, copying, retransmission, publication, sale, exploitation (commercial or otherwise), or any other form of transfer of any portion of WEBSITE, including but not limited to all content, reviews, user data, forum posts, blog entries, or blog commentary, databases, services, digital products, listings, courses, events, tools or products is hereby expressly prohibited. It is further prohibited to cut and paste, sell, license, rent, lease, modify, distribute, copy, reproduce, transmit, publicly or display derivative works from materials, code or content on or from this WEBSITE.

Any purchases made through other websites and from other companies, are not conducted through this WEBSITE. we are not involved in any transactions that are consummated between you and any of the merchants or advertisers whose Services are listed on our Websites. We are also not responsible for nor do we guarantee the price, terms or performance of any of the Services. You hereby knowingly and voluntarily assume all risk from using such websites to purchase goods and services listed on this WEBSITE.

DISCLAIMER OF WARRANTIES

YOU EXPRESSLY AGREE THAT USE OF COMPANY IS AT YOUR SOLE RISK. this WEBSITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. THE COMPANY MAKES NO WARRANTY THAT the WEBSITE WILL MEET YOUR REQUIREMENTS, OR THAT COMPANY WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE; NOR DOES COMPANY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF COMPANY. COMPANY WILL NOT BE LIABLE FOR ANY DIRECT, CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHETHER FORSEEABLE OR NOT.

YOU UNDERSTAND AND AGREE THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF COMPANY IS AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA. YOU UNDERSTAND AND AGREE THAT THE COMPANY DOES NOT GUARANTEE THE ACCURACY OR COMPLETENESS OF ANY INFORMATION IN OR PROVIDED IN CONNECTION WITH the WEBSITE. THE COMPANY IS NOT RESPONSIBLE FOR ANY ERRORS OR OMISSIONS OR FOR THE RESULTS OBTAINED FROM THE USE OF SUCH INFORMATION.

THE COMPANY SHALL NOT BE RESPONSIBLE FOR ANY LOSS OR DAMAGE CAUSED, OR ALLEGED TO HAVE BEEN CAUSED, DIRECTLY OR INDIRECTLY, BY THE INFORMATION OR IDEAS CONTAINED, SUGGESTED OR REFERENCED IN THIS SERVICE AREA. YOUR PARTICIPATION IN COMPANY IS SOLELY AT THE YOUR OWN RISK. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM the WEBSITE OR THROUGH COMPANY SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. THE COMPANY MAKES NO WARRANTY REGARDING ANY GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH COMPANY OR ANY TRANSACTIONS ENTERED INTO THROUGH COMPANY.

LIMITATION OF LIABILITY

THE COMPANY SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, RESULTING FROM THE USE OR THE INABILITY TO USE COMPANY OR FOR THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES OR RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH COMPANY OR RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLE, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN ANY EVENT, BY ACCEPTING THE TERMS OF SERVICE YOU SPECIFICALLY AGREE THAT COMPANY AND OUR AFFILIATES SHALL NOT BE LIABLE.

INDEMNIFICATION

You agree to indemnify and hold each of COMPANY, their parents, subsidiaries, affiliates, officers and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use of this WEBSITE, the violation of these Terms of Service by you, or the infringement by you, or any other subscriber of your account, of any intellectual property or other right of any person or entity.

PRIVACY POLICY

WHAT INFORMATION WE COLLECT

Information You Manually Provide: When you create an account, interact with us through the Site, telephone, or in person, use our Services, or otherwise use or visit the Site, we may collect personal information, that is, information that identifies you personally, alone or in combination with other information available to us. For example, we may collect your name, contact information, date of birth, Social Security number, financial and credit history, and credit card or other debt information. In certain instances, you may provide personal information to us directly or have the choice to provide such information. For example, you may submit personal information to us through a form on this Site and consent to receive communication from us or our business affiliates and non-affiliates based on the information in the form. Consent to receive communications is required to submit a form. Not all data fields in a form are required, but fields necessary for us or our business affiliates and non-affiliates to provide certain services or assistance are mandatory. We may also automatically collect information as you use our Site through the use of cookies or other technology.

Information from Your Mobile or Tablet Device: If you access our Site through your mobile or tablet device, we may automatically collect certain information from or about your mobile or tablet device. The types of information we may collect include the type of device you use, your device’s unique ID, the IP address of your device, your device’s operating system, the type of mobile or tablet Internet browsers you use, and information about the way you use our mobile or tablet application.

More About IP Addresses: Your IP address is the identifier assigned to your particular computer when you access the Internet. Depending on how you connect to the Internet, your IP address may always be the same, or it may change each time you access the Internet. IP addresses do not include your name, email address or other personal information, but in some cases, they can be used to identify you. If we suspect inappropriate or criminal activity or a threat to our Site or their users, we may also share our server logs—which contain users’ IP addresses—with the appropriate investigative authorities, who could use that information to trace and identify individuals.

Cookies and Other Technologies: A “cookie” is a small file placed on your device when you visit a site, such as ours. A “session cookie” expires immediately when you end your session (i.e., close your browser). A “persistent cookie” stores information on the hard drive so that when you end your session and return to the same web site at a later date, the cookie information is still available.

Our Site’s webpages and our e-mails may contain small electronic files known as “web beacons” (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us to gather usage statistics. We use third-party cookies, pixels, beacons, and other technologies to collect information to improve and support functions on this Site so we can serve you better. For example, we may use these technologies to:

• collect information about how visitors access and use this Site, such as which pages they visit and for how long, and what functions or links they use most often; and
• support the features and functionality of this Site and make it more personal, for example, by repopulating information you have already provided so you do not need to enter that information again. This information may be collected by or disclosed to third parties on InCharge’s behalf.

As with your browser, we do not collect directly personally identifiable information using cookies and other technologies, but we or business affiliates and non-affiliates may link it to personal information that you provide or that we have. Most browsers are initially set to accept cookies. However, you may, at any time, control the use of cookies by selecting your browser settings on your device. You may also be able to receive an alert when a cookie is placed on your device. If you choose to reject cookies when you access or use this Site, it may impact your ability to use all of the features and functions on this Site.

INFORMATION ABOUT THIRD-PARTY COOKIES AND INTERNET BASED ADVERTISING

In addition to the cookies, we deliver to your computer or mobile or tablet device through our Site, certain third parties may deliver cookies to you for a variety of reasons. For example, we use Google Analytics, a web analytics tool that helps us understand how visitors engage with our Site. To learn more about Google Analytics, click here.

Other third parties may deliver cookies to your computer or mobile or tablet device for the purpose of tracking your online behaviors across non-affiliated websites and delivering targeted advertisements either on our Site or on other websites.

You have choices about the collection of information by third parties on our Site. For example, if you don’t want information about your visit to our Site sent to Google Analytics, you may download an Opt-out Browser Add-on by clicking here. Please note that the Add-on does not prevent information from being sent to InCharge.

Please be aware that if you do not configure your browser or actively opt out, you will accept cookies provided by this Site.

HOW WE USE YOUR INFORMATION

Generally, we use the personal information we collect through this Site:

• to improve our products and services;
• to improve, administer, customize, and maintain the Site;
• to manage transactions;
• to build relationships with you and other users;
• to provide you with information about our Services;
• to connect you with relevant third-party business affiliates and non-affiliates;
• to fulfill other purposes for which you provide the information;
• to provide you with notices about your account;
• to carry out our obligations and enforce our rights;
• to allow you to participate in interactive features of the Site;
• to conduct market research and analysis; and for any other purpose identified in an applicable privacy notice, click-through agreement or other agreement between you and us.

HOW WE SHARE YOUR INFORMATION

Third–Party Service Providers: We share personal information collected through our Site with third-party service providers who act for or on our behalf. For example, we may use third-party vendors to design, operate, and/or host our Site, and to help us with our promotional efforts. These third parties may need information about you to perform their functions.
Business Negotiations: We may contemplate, for strategic or other reasons, selling, buying, merging, or otherwise reorganizing one or more of our businesses. In negotiating with a third party about entering into such an arrangement, we may need to disclose your personal information. In such cases, we will take reasonable measures to protect the personal information we disclose, for example, by requiring a prospective purchaser to sign a non-disclosure agreement limiting the use and protecting the confidentiality of the personal information.

Business Transfers: We may transfer the personal information you submit on or through our Site to any organization that acquires or merges with us.

Compliance with Laws and Protection of Our Rights and the Rights of Others: We may disclose your personal information when we, in good faith, believe disclosure is appropriate to comply with the law, a court order or a subpoena. We may also disclose your personal information to prevent or investigate a possible crime, such as fraud or identity theft; to protect the security of this Site; to enforce or apply our Terms and Conditions or other agreements; or to protect our own rights or property or the rights, property or safety of our users or others.

YOUR CALIFORNIA PRIVACY RIGHTS

California residents who have an established business relationship with us may request and obtain information, free of charge and on an annual basis, about the personal information that we shared with other businesses for their own direct marketing use within the prior calendar year. If applicable, this information will include a list of the categories of personal information shared with third parties and the names and addresses of all third parties with which we shared this information in the immediately preceding calendar year. To obtain this information, please contact us at the number or address below and let us know you have a “California Shine the Light Privacy Request.” We will then respond to you with the requested information.

If you are a California resident and under the age of eighteen (18), you may request that we remove content or information that you have posted to our Site by contacting us using the contact information below.

JURISDICTION

This Site and our Services are operated in the State of Florida, United States of America. If you access this Site or our Services from outside of the United States, you are responsible for compliance with any applicable laws. The data protection laws of the country in which you reside may be more restrictive than the data protection laws of the United States. Your personal information may be subject to disclosure under the laws of the United States or other countries to which it is transferred, and it may be accessible to law enforcement and national security authorities of those jurisdictions. By using this Site or our Services, you consent to our collection, processing, use and transfer of your personal information in or to the United States or any other country, subject to this Policy.