CreditSavvi Capital, LLC
Effective: November 9, 2021
CreditSavvi Capital, LLC strives to be transparent with all clients. This document outlines the legal collection, use, distribution, storage, and maintenance of the data and information, both personal and non-personal, collected during any business interaction, whether through phone, email, website form, personal interaction, meeting, etc. Please read through each section of this document, and contact us with any related questions or concerns.
2. Information Collected by CreditSavvi Capital, LLC. CreditSavvi Capital, LLC, from time to time, may engage trusted, industry-standard third party providers to provide financial account aggregation services. Your Personal Information may be transmitted to such third party providers and securely stored on their servers, including without limitation any of the Subsidiaries. CreditSavvi Capital, LLC is not responsible for any of any third party provider’s actions or inactions. You authorize CreditSavvi Capital, LLC to provide such third party providers with your Personal Information. Any Non-Personal Information used in a combined format with Personal Information will be treated as personal information.
We collect personal information and non-personal information through the Site. Personal information is information that identifies you as an individual. Non-personal information is aggregated information, demographic information, IP addresses and any other information that does not reveal your specific identity.
Personal information. We may collect the following types of personal information:
Information provided by you when ordering credit-related products through the Site. For example, you will be required to submit personal information such as your name, address, social security number, date of birth, telephone number and e-mail address
Information provided about your children when enrolling your children in child identity monitoring products. For example, as a legal guardian, you will be required to submit the child’s first and last name, Social Security number, and date of birth in order to register that child in identity monitoring with the credit bureau.
Credit and debit card account information collected from you or your credit reports when enrolling in our card registry product. For example, we will collect credit and debit card account information from you on our sites, over the phone, and from your credit reports from the three national credit reporting companies in order to cancel the cards per your request in the event that they are lost or stolen.
When you make a purchase through the Site, we may collect your credit card number or other payment account number, billing address and other information related to such purchase (collectively, “Payment Information”) from you.
Other information we collect, such as city of birth and mother’s maiden name, is used to verify your identity in the event you forget your login information required for our online products.
Information you provide us through customer service correspondence and general feedback.
Video content you choose to submit to us, such as commentary about our products and services, testimonials, or other similar content you share through video.
Non-Personal information. When you visit the Site, we may collect non-personal information, such as a catalog of the Site pages you visit. Non-personal information is generally collected through the Site from the following sources: server log files, environmental variables, cookies, pixel tags and other similar technologies and information that you voluntarily provide.
Server Log Files. Your Internet Protocol (IP) address is a number that is automatically assigned to the computer that you are using by your Internet Service Provider (ISP). This number is identified and logged automatically in our server log files whenever you visit the Site, along with the time(s) of your visit(s) and the page(s) that you visited. We use your IP address, and the IP addresses of all users, for purposes such as calculating Site usage levels, helping diagnose problems with the Site’s servers, and administering the Site. Collecting IP addresses is standard practice on the Internet and is done automatically by many websites.
Environmental Variables. We and our service providers may also collect certain environmental variables, such as computer type (Windows or Macintosh), screen resolution, OS version, Internet browser, and Internet browser version. These environmental variables are collected by most browsers, and can be used to optimize your experience on the Site.
Pixel Tags. We, our service providers, and/or non-affiliated Third-parties, may also use so-called “pixel tags,” “web beacons,” “clear GIFs” or similar means (collectively, “Pixel Tags”) in connection with some Site pages and HTML-formatted e-mail messages to, among other things, compile aggregate statistics about Site usage and response rates. A Pixel Tag is an electronic image, often a single pixel (1×1), that is ordinarily not visible to Site visitors and may be associated with Cookies on the visitors’ hard drives. Pixel Tags allow us to count users who have visited certain pages of the Site, to deliver branded services, to provide online advertising, and to help determine the effectiveness of promotional or advertising campaigns. When used in HTML-formatted e-mail messages, Pixel Tags can tell the sender whether and when the e-mail has been opened.
Information That You Voluntarily Provide. We also collect non-personal information (e.g., your geographic location, etc.) when you voluntarily provide such information to us. When such information is not combined with any personal information, such information is considered to be non-personal information, as it does not personally identify you or any other user. Additionally, we may aggregate personal information in a manner such that the end-product does not personally identify you or any other user of the Site, for example, by using personal information to calculate the percentage of our users who have a particular telephone area code. Such aggregate information is considered non-personal information for purposes of this Policy.
Please note that if we combine any non-personal information with personal information, the combined information will be treated by us as personal information as long as it is so combined.
Information Disclosed to Third Parties
We may disclose information about you to affiliated and non-affiliated third parties.
Affiliates. We may disclose the information that we collect to our affiliated companies to provide the products you request, to enhance our products to better suit your needs, and from time to time for marketing purposes.
Business Partners. We may partner with other companies to offer you products or services or to fulfill the products or services that you order. We may disclose personal information and/or non-personal or de-identified information collected about you to such third-party partners for the purposes described in this Policy.
Service Providers. We work with third parties who provide services including but not limited to data analysis, order fulfillment, list enhancement and other administrative services. We may disclose personal information to such third parties for the purpose of enabling these third parties to provide services to us. Such services may include: marketing distribution, email list management services, advertising, certain product functionalities, customer support, web hosting, customer data management and enhancement, fulfillment services (e.g., companies that fill product orders or coordinate mailings), research and surveys, data analysis and email service.
Assignment. We reserve the right to transfer any and all information that we collect from Site users to an affiliate or a third party in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including without limitation in connection with any bankruptcy or similar proceedings).
3. Removal of Your Personal Information. If you provide CreditSavvi Capital, LLC written notice of your request to remove your Personal Information, we will endeavor to remove it as quickly as possible. You understand that any such removal is only intended to result in the removal of your Personal Information from CreditSavvi Capital, LLC’s own records, but will not result in, nor will your request create an expectation of, any removal of any information about you from the Available Information.
4. Other Information. CreditSavvi Capital, LLC may store, and you authorize CreditSavvi Capital, LLC to store, your Credit Card and/or Sensitive Information solely for its purposes. CreditSavvi Capital, LLC will not share your Credit Card and/or Sensitive Information for any purposes, unless CreditSavvi Capital, LLC first obtains your prior written consent to do so.
6. Use and Sharing of Your Personal Information.
b) You understand and agree CreditSavvi Capital, LLC may monitor usage on the Website and the Services and may share your use of the Website and Services with law enforcement agencies and officials in response to inquiries or if CreditSavvi Capital, LLC has reason to believe your use of the Website and Services is for an unlawful purpose. CreditSavvi Capital, LLC may share your use of the Website and/or Services as required by law, a court order, a subpoena or other court proceedings, or as CreditSavvi Capital, LLC determines is necessary or advisable to protect its interests.
c) CreditSavvi Capital, LLC may use your Personal Information to improve the Website and the Services. CreditSavvi Capital, LLC may share Internet protocol addresses used to access the Website with designated third parties to prevent and detect fraud. CreditSavvi Capital, LLC may use services and technologies provided by other companies to assist CreditSavvi Capital, LLC in understanding your use of the Website. Your Personal Information may be available to such third parties to the extent that their technology collects such information for CreditSavvi Capital, LLC’s use. CreditSavvi Capital, LLC reserves the right to transfer your Personal Information to any successor in interest to all or some portion of the CreditSavvi Capital, LLC business.
If you wish to cease receiving marketing-related e-mails from third parties, please contact such third parties directly or utilize any opt-out mechanisms set forth in their respective privacy policies or marketing-related emails.
We have security measures and tools, such as firewalls, in place to help protect against the loss, misuse and alteration of the information under our control. Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please notify us of the problem as soon as possible.
We control and operate the Site from the United States, and the Site is not intended to subject us to the laws or jurisdiction of any state, country or territory other than that of the United States. We do not represent or warrant that the Site, or any part thereof, is appropriate or available for use in any particular jurisdiction. Those who choose to access the Site do so on their own initiative and at their own risk, and are responsible for complying with all local laws, rules and regulations. We may limit the Site’s availability, in whole or in part, to any person, geographic area or jurisdiction we choose, at any time and in our sole discretion.
CreditSavvi Capital, LLC Emails. If you prefer not to receive emails from us about offers and Promotions please unsubscribe via the unsubscribe link in an email, or contact us.
Cookies. You have the ability to prohibit being served an advertisement based on cookie technology from certain companies. We may utilize reputable third-party vendors to serve advertisements. If however, you are not comfortable with cookies, you can adjust the settings within your browser to further prohibit being served a cookie. Please see the browser’s instructions to perform this task. Additionally, the Network Advertising Initiative (NAI) has developed an opt-out tool with the express purpose of allowing consumers to “opt-out” of the targeted advertising delivered by its member networks. We may share anonymous or de-identified information with such member networks for the purposes of delivering targeted advertising; however you may visit the NAI opt-out page and opt-out of this cookie tracking if you do not wish to receive targeted advertising.
Changing information. Corrections or updates to your information including your email address, phone number, mailing address, credit card information or password reminder phrase can be made by calling one of our representatives to have them update the information within your account. For your protection, our representatives may request supporting documents before making any changes or updates to your membership information.
a) The Website and the Services are directed to people who are at least 18 years old. CreditSavvi Capital, LLC does not knowingly collect Personal Information from anyone under the age of 18. If you are aware that CreditSavvi Capital, LLC has collected Personal Information from someone under the age of 18, please alert CreditSavvi Capital, LLC via the contact information found on our Site, and the information will be removed from our system as soon as reasonably possible.
b) CreditSavvi Capital, LLC does not knowingly aggregate or provide information about people under the age of 18. You are only authorized to use the Website and the Service, or to provide CreditSavvi Capital, LLC your information if you are at least 18 years old.
We may update this Privacy Statement from time to time and provide notice to you as described below in the section titled “Notice of Changes.”
Our Services are not directed at children under the age of 18, and we do not knowingly collect personal data from individuals under the age of 18. If you are under the age of 18, you may not use the Services or provide your information to us.
Personal Data We Collect
CreditSavvi LLC collects personal data directly from you, for instance when you inquire about one of CreditSavvi LLC Services, or from your interactions with our website, products or Services. CreditSavvi LLC may also collect personal data from other sources and we may combine this data with data we already have about you. This personal data may include the following:
Contact details. When you inquire about our Services, register for an event, download content, or enter a live chat, we may collect your contact details, such as your name, company, address, phone number, fax number, and email address. If your company uses the Services and we provision you an account, we may collect your name, email address, and associated IP address as part of your company’s use of the Services.
Account creation. When you create an account with us via our website, we may collect your contact details and a password. We also collect information about you when you login and how you interact with the Services, the features you use, clicks, and log information about your use of the Services
Billing data. When you purchase Services or register to attend an event, we may collect billing and payment information. For automated transactions, such as credit card payments, we will use a third-party payment processor to process the payment. We do not collect your credit card number, expiration date, or pin number. The transaction details we retain are those details that allow us to verify that you paid for the Services or transaction, including price, currency, date of payment, payment method, name, and account name. We will combine that information with your account information.
Support data. You may provide data or content to us through the customer support or chat functionality we make available on our website, in the Services, or other sites that we control. When you engage with our support team, in addition to your account information, we may ask you to provide additional information about your issue, which may include information about your technology, software, internet connection, or screenshots.
Device and usage data. When you use our website or our Services, we may also automatically collect data about your device and about your usage of and activity on our website and Services. For example, we collect your device’s operating system type, IP address, device identifiers, browser type, device type, domain name, access times, and the duration of visit, and other information.
Data from our mobile apps. When you use our mobile Services, we may collect your contact details, the geographic location of the device, the geographic locations you provide to our Services, and geographic areas derived from your IP address.
Partners. CreditSavvi LLC may engage in joint marketing activities or event sponsorships with our third-party partners and we may collect personal data about you from these activities. We also allow partners to provide referrals to CreditSavvi LLC of individuals who may be interested in learning more about CreditSavvi LLC Services. We rely on our partners to obtain your permission before sharing your personal data with us.
Service Providers. CreditSavvi LLC may also engage with third party service providers who help us understand how our customers are using CreditSavvi LLC Services and may collect personal data about you from these activities.
How We Use Your Personal Data
CreditSavvi LLC uses your data to provide you with and improve upon the Services that you or your company requests and to communicate with you, as follows:
Providing and Improving CreditSavvi LLC Services. CreditSavvi LLC uses the data you provide, or data that we collect when you use our Services, to operate our Services, provide you with the Services that you or your company has requested, and to continually improve our Services, internal systems, website, and processes. We may use your data to authenticate your ability to access and use the Services. We also use your data to detect and prevent fraud, protect the security of our website and Services, and enhance the safety of our Services.
Further, we may also use data provided by you or collected by third party service providers or partners on our behalf to troubleshoot or provide customer support. We may also use your data to plan and host events, including online webinars.
Communicating with you. CreditSavvi LLC website allows you to download content, fill out forms for more details about our Services, and to engage with us via our chat functionality. You may also register to attend online seminars or in-person events. We use this information to provide you with the material you requested, to follow up with you about your interest in the Services, or to register you for the event you request. We may also use personal data to understand you and your preferences so that we may enhance your experience and send you information about CreditSavvi LLC, our affiliates, and our partners, such as information about promotions or events.
CreditSavvi LLC may also receive personal data from other sources, including third parties from whom we have purchased data, and combine this with the data we already have about you. This helps us to update, expand and analyze our records, identify new customers, and create more tailored advertising to provide products and services that may be of interest to you.
Advertising. We may use data collected via cookies and other technologies to manage our advertising on other sites or to provide you offers or advertisements, including for third-party services, based upon your browsing activities and interests. If you follow or like CreditSavvi LLC on third party social media sites, we can see your public profile and may direct advertising to you.
Legal obligations. Where required by law, or where we think it is necessary to protect our legal rights and legitimate interests or the legal rights and interests of others, we use information about you in connection with legal claims, compliance and regulatory functions. If you ask us to delete your data or to be removed from our marketing lists and we are required to fulfill your request, we will keep basic data to identify you and prevent further unwanted processing. As used above, “legitimate interests” means our interests in conducting our business and managing and delivering the best Services to you. We will not use your personal data for activities where the impact on you overrides our interests, unless we have your consent or those activities are otherwise required or permitted by law.
With your consent. We use personal data about you where you have given us consent to do so for a specific purpose not listed above. For example, with your permission we may publish testimonials or featured customer stories on our website to promote the Services, including names and profile photos of representatives of our customers alongside the testimonial.
How We Share Personal Data
Billing. CreditSavvi LLC uses third-party service providers to manage credit card processing. This service provider is not permitted to store, retain, or use billing information except for the sole purpose of credit card processing on our behalf.
Affiliates and Subsidiaries. We may share your data with our subsidiaries and affiliates (those entities under common control) to provide the Services you request, such as customer support, marketing, technical operations, and account management purposes. Further, we may share your information with your teammates, account administrators, billing, or technical account users.
Compelled Disclosure. CreditSavvi LLC reserves the right to share your data if required by law or to comply with a judicial proceeding, court order, or valid legal process. We may also disclose your data to protect the rights and property of CreditSavvi LLC, our agents, employees, partners and customers, including to prevent or stop an attack on our systems or network or to prevent spam or attempts to defraud our users. Finally, we may also need to disclose your data in connection with or during the negotiation of any merger, financing, acquisition, bankruptcy, dissolution, transaction or proceeding involving the sale, transfer, divestiture or disclosure of all or a portion of our business or assets to another company.
With Your Consent. We may share Personal Data about you with third parties when you give us consent to do so. For example, with your permission we may publish and display testimonials or featured customer stories on our website, including names and profile photo of representatives of our customers alongside the testimonial.
How to Manage Your Personal Data
Managing personal data. CreditSavvi LLC provides different accounts with varying functionality depending on the Services users access. CreditSavvi LLC accounts generally permit you to update your user settings or profile by logging into the applicable website or Service with your username and password. If you do not have an account but wish to make a request to manage your data, you can contact CreditSavvi LLC using the information in the “Contact Us” section below.
Requests to manage your data will be addressed within a reasonable timeframe. If you are an employee of a CreditSavvi LLC customer, you may also wish to contact your company’s system administrator for assistance in managing your data.
CreditSavvi LLC takes reasonable steps to protect your personal information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction, taking into account the risks involved in the processing and the nature of the personal data. We use industry accepted electronic and physical standards of security to reduce the risk of improper access to or manipulation of personal data during transmission and storage, including the use of TLS 1.2 protocol. However, no application, Internet, or email transmission is ever fully secure or error-free, and we do not guarantee the security of any personal data. You are also responsible for ensuring that your account and the passwords we provide you are protected.
California Privacy Rights
Beginning on January 1, 2005, California Civil Code Section 1798.83 permits customers of CreditSavvi LLC who are California residents to request certain information regarding CreditSavvi LLC disclosure of personal information to third parties for such third parties’ direct marketing purposes. To make this request, contact us using the information in the “Contact Us”.