Last Updated: January 5, 2012
- the information we collect about you,
- how that information may be used,
- with whom it may be shared,
- how you may access the information you provide us, and
- your choices about such uses and disclosures.
We may collect personal information that can identify you such as your name and e-mail address, as well as other information that does not identify you. When you provide personal information through the Site, the information may be sent to our servers located in the United States and other countries around the world.
User Provided Information. We may collect and store any personal information that you enter into the Site or provide to us in some other manner. This includes identifying information (such as your name, address, e-mail address, telephone number, bank account information, social security number, etc.), and any other personal information you choose to provide while using the Site or the Services.
Third Party List Information. We may also obtain both personal and non-personal information about you from third party data gathering sources. We may match this third-party collected information with the personally identifying information that you provide to us. When obtaining this information from third parties, we seek assurances from such third parties that they have the right to provide the information to us.
- allow us to automatically collect information about your browser or device activity on the Site, such as the web pages you visit, the links or advertisements you click, or the other actions you conduct while using the Site. Most browsers automatically accept cookies, but you can usually modify your browser setting to disable cookies. If you choose to disable cookies, you will still be able to access the Site, but you may not be able to use all of the interactive features we offer. Additional information on cookies can be found at: http://www.microsoft.com/info/cookies.htm.
- Web Beacons. We, or our advertisers, may use standard Internet technology such as web beacons or clear gifs and other similar technologies, to gather aggregate information about your browser or device activity on the Site. We also may include web beacons in promotional e-mail messages or newsletters to determine whether messages have been opened and acted upon. This allows us to gauge the effectiveness of our marketing efforts and the quality of the Site.
Sponsor or Link Websites. Links or sponsor websites may be presented in a manner that allows us to keep track of whether the links or sponsor sites have been used. We use this information to improve the quality of the Site, to keep track of advertising, and to customize your online experience. We are not responsible for the privacy practices of other websites.
Information Use and Sharing
PLEASE NOTE THAT WE MAY USE INDIVIDUAL INFORMATION FOR ANY PURPOSE IN OUR SOLE DISCRETION. We may match any of the technical information we gather to any personally identifying information or other information we have obtained from or about you to improve the content of the Site and Services for you. Examples of some of the ways we use or share information that we collect about you include, but are not limited to, the following:
- providing you with products or services, including the display of customized content, advertising, and services;
- providing technical or customer support;
- performing research and analysis to gauge use of or interest in products, services, or content offered on the Site, and to develop new services;
- communicating with you by e-mail about products or services that may be of interest to you;
- enforcing our terms and conditions, or otherwise managing our business; and
- performing functions as otherwise described to you at the time of collection.
Communications from the Site. Unless you have opted out of these features where available, we may use your information in a variety of ways to communicate with you, such as through email, newsletters, RSS feeds, service announcements, or for customer service.
Personal Information. Unless you have opted out where available, we may rent, sell, or share any of your information, personal or otherwise, with third parties, including without limitation for the following purposes:
- Service providers: We may share your personal information, alone or in combination with non-personal information, with third party service providers in connection with the Services we provide or your request for customer service on the Site. These service providers may include entities such as credit bureaus, financial institutions, marketing and customer services firms, credit card payment processors, as well as companies that support contests, sweepstakes, surveys, or other features offered through the Site, or that provide business analysis or website support. These service providers may have access to personal information needed to perform their functions, which may include using the information to contact.
- Business partners: When you express interest in promotions offered through the Site or our Services, we may share your personal information, alone or in combination with non-personal information, with the relevant business partners or affiliates to offer you those products, services, promotions, contests and/or sweepstakes. When you elect to engage in a particular offer or program, you authorize us to provide your personal information address and other information to that business so that they may contact you.
Aggregated and Non-Personal Information. We may rent, sell, or share aggregated demographic information not specifically identifiable to you, and other non-personal information we collect, with any third parties for any reason, including to develop and deliver customized advertising, and to conduct general business analysis. We may combine non-personal information we collect with additional non-personal information collected from other sources. For example, we may tell our advertisers the number of visitors to the Site and the most popular features or Services accessed.
We give our users the opportunity to “opt-out” of having their information used for purposes not directly related to the Site at the point where we ask for the information, including the sharing of personal information with third parties for their own marketing purposes. Please be aware that this may result in our not being able to provide certain services to you that require us to share information with third parties. If you choose to receive communications from us but later wish to discontinue receiving communications or our Services, you can opt-out by contacting us via email or mail using the contact information provided below.
Please note that opting out of receipt of promotional e-mail communications will only affect future activities or communications from us. If we have already provided your information to a third party before you have changed your preferences or updated your information, you will have to change your preferences directly with that third party. To opt-out of communications from our third party business partners, please contact them directly.
Visitors Outside the United States
Please note that CreditCards.Org has financial relationships with some of the merchants mentioned here. CreditCards.Org may be compensated if consumers choose to utilize the links located throughout the content on this site and generate sales for the said merchant.