This Privacy Policy was most recently updated on June 06, 2012.
By using our website you consent to the collection, use and processing of the information that you provide to us in accordance with the terms of this Privacy Policy. If you do not agree to these terms, do not use CreditQ.com.
What information do we collect?
CreditQ.com does NOT automatically collect personally identifiable information from your computer when you browse our site. We do automatically collect some non-personally identifiable information about your visit, including the operating system and browser you are using, as well as the date, time, and pages you visit. Collecting this information helps us design the site to suit your needs.
Although we do not require you to create an account or share any personally identifiable information in order to use CreditQ.com, in specific instances we may collect some non-personally identifiable information. Solely at your option, you can choose to share contact information with us, or not. The information that CreditQ.com may collect consists of your email only, no other personally identifiable information about you can legally be collected by us. Instances in which you may be asked to share your email with CreditQ.com include:
Entering sweepstakes and/or other contest offers
Sending a request to be added to the CreditQ.com newsletter or other mailing list
Completing any survey, profile, or form (including requests for quotes, services, and/or information using our affiliate network of lenders, insurance providers, etc.)
CreditQ.com also allows third party partners to place session cookies on your computer to collect non-personally identifiable information such as aggregate use statistics for internal evaluation of the site. For more information, see the "Cookies" portion of this Policy.
How We Use Your Email Address
CreditQ.com may use your email address to communicate with you regarding products or services that you have requested, or that may be of interest to you. If this is the case, CreditQ.com may send the following types of email messages to you:
Updates and Valuable Offers. When you complete any form (including through our affiliate network), we may send you email containing offers for our products and services, and/or valuable offers from our business partners. For more information please see "Forms" in this Policy.
Email Newsletters. At times, we may send emails related to site updates, special promotions, or products and services for which you have elected to receive further information. For more information regarding enrollment in newsletter distribution please see "Registration for Newsletters and Sweepstakes" in this Policy.
Optional Messages. You may also choose to receive other types of e-mail messages from us, including additional alerts and notifications beyond those noted above.
Registration for Newsletters and Sweepstakes
CreditQ.com collects personally identifiable information from you if you register online for one of CreditQ.com's newsletters and when you enter CreditQ.com's sweepstakes.
If you are submitting personally identifiable information pursuant to sweepstakes entry, CreditQ.com reserves the right to share, loan, rent and/or sell the personally identifiable information that you submit with its affiliates and other third parties. Please refer to the Official Rules and Privacy Policy for each individual sweepstakes for the specific guidelines regarding information sharing and disclosure.
Forms
We may collect personally identifiable information from you, in the form of your email address, when you complete any forms, profiles, or surveys on CreditQ.com. This includes forms you may submit to our affiliate partners in order to receive information regarding loans, insurance, or other services provided through CreditQ.com. You may "opt-out" of receiving these offers by following the instructions detailed at the bottom of each email.
Correspondence
If you send CreditQ.com personal correspondence, such as emails or letters, or if other users or third parties send CreditQ.com correspondence about your activities or postings on CreditQ.com, we may choose to collect such information into a file specific to you.
Newsletters and CAN-SPAM Compliance
CreditQ.com sends only verified, double-opt-in e-mail newsletters. Subscriptions to CreditQ.com newsletters are verified by sending an e-mail confirmation to your e-mail address, which requires a positive response before an e-mail address is added to CreditQ.com’s newsletter list. CreditQ.com is fully compliant with the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003.
Choice/Opt-out from E-mail Newsletters
If you no longer wish to receive our newsletter, you may opt-out of receiving it by following the instructions included in each e-mail newsletter.
Cookies
"Cookies" are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer's hard drive. CreditQ.com, its external service providers, internal service providers, and third-party advertising companies, may set and access cookies on your computer to track and store preferential information about you. CreditQ.com, and its external service providers, internal service providers, and third-party advertising companies gather anonymous information about you through cookie technology on an aggregate level only. For example, a third-party advertising company may assign a cookie (and a Web beacon, described below) to you, to limit the amount of times you see a particular advertisement or to help better determine which advertisements to serve to you. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer.
Site Security
Ensuring the security and protection of your personal information is important to us. When you choose to apply for a credit card or any other offer shown on CreditQ.com you will be taken directly to the vendor' s secure website to complete the application. All of our vendors' application forms are secured by 128-bit SSL encryption.
SSL technology encodes information as it is being sent over the Internet, helping to ensure that the information transmitted remains confidential. Personally identifiable information you submit to CreditQ.com is password-protected for your privacy and security.
In certain areas CreditQ.com uses industry-standard SSL-encryption to protect data transmissions.
Collecting Information From Children
At CreditQ.com, we are committed to protecting the privacy of children. We will not knowingly or intentionally collect personal information online from children under the age of 18.
Sites linked to CreditQ.com
This policy covers our online practices and does not apply to any third party sites, including card issuers or other sites that may be linked from our website. We encourage you to read the terms and conditions and privacy policies of those other sites to learn how they collect and use information about you.
Forums
If you choose to transmit, submit or post information through CreditQ.com’s chat rooms, bulletin boards or other forums (the “Forums”), CreditQ.com will collect that information you provide. CreditQ.com retains this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law and pursuant to CreditQ.com’s Terms of Use.
