Privacy Policy
Protecting your personal privacy is something we take seriously. This page describes CreditLiteracyProject.com policies and procedures on the collection, use and disclosure of your information.
Effective Date: September 8, 2014
Policy/Terms Updated: April 9, 2015
CreditLiteracyProject.com is operated under agreement with SuccessRoadMapPress, LLC and/or its affiliates (“CLP”, “SRMP”, “We” or “Us”). CLP is strongly committed to protecting your privacy and providing a safe online experience for all our users. This Privacy Policy (the “Policy”) discusses the personally identifying information (“PII”) and personal information (“PI”) that we collect about you through CLP’s website, which includes all CreditLiteracyProject.com posts and videos and other services we provide on the website (“Site”). Please read the complete Policy below and contact us if you have any questions. This Policy is part of and incorporated into the Terms of Use of the Site. By using CLP Site you agree to these conditions, and acknowledge that you have read the policy.
You can generally visit the Site without revealing any personally identifiable information about yourself. We do not collect personal information from our Site visitors without the Site visitor providing us with this information as set forth in this Privacy Policy.
If you are not comfortable with this Privacy Policy or Terms of Use, please do not provide us with PII, PI or other information or content or otherwise use the Site. By using the Site you consent to our collection and use of your personal information as described in this Privacy Policy.
What information do we collect?
Traffic statistics:
We use Google Analytics to see how visitors are using CreditLiteracyProject.com. Google Analytics reports traffic patterns anonymously. No personally identifiable information is collected for this purpose.
Cookies, HTTP Cookie, Web Cookie, Web Beacon or Browser Cookie:
Like many websites, we use “cookie” technology. Cookies are small pieces of data that this website places on your computer so that it can remember you when you show up again later, to make the website more usable for you. None of these cookies store any of your personal information. There are numerous types of cookies.
Most internet browsers automatically accept cookies. Although cookies help us create a better experience for you, most of this website will also work without them. If you don’t want to accept cookies, you can change your browser’s options to not accept them or to prompt you before accepting them.
Our cookies do not collect PII that you provide to us during the registration process, but they do collect other information such as the following:
- the domain name and host from which you access the Internet and the Internet address of the site from which you direct-linked to ours;
- the date and time you access the Site and pages you visit;
- your computer’s IP address and information about its operating system, platform and the Web browser type and version you use;
- demographic and other non-personally identifiable profile information about you; and
- information to combat fraud or misuse.
Here are links to how to disable cookies depending on your browser:
Safari: http://support.apple.com/kb/PH17191
Internet Explorer: http://windows.microsoft.com/en-us/windows-vista/block-or-allow-cookies
Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences
Chrome: https://support.google.com/accounts/answer/61416?hl=en
For more information about cookies, including controlling and deleting them, please visit http://en.wikipedia.org/wiki/HTTP_cookie.
PayPal Purchases:
Information you volunteer by using the PayPal shopping cart to make a purchase.
Find out more about PayPal policies at: https://www.paypal.com/us/webapps/mpp/ua/legalhub-full
Facebook Login:
We may use Facebook Login so you can use your existing Facebook.com account to access the features of the Site. You must explicitly authorize Facebook to share your information with us when you first login to the Site with your Facebook credentials.
You should review your privacy settings on your Facebook account because those settings determine and govern what PII may be made available to us when you access the Site. While Facebook Login may allow us to access a variety of information about you based on your Facebook account’s privacy settings, we only access PII which we feel is useful to enhance your experience of the Site, which may include your name, gender and/or location. We may also collect any information you enter on the Site or give us in any other way (such as through a comment or email).
Find out more about Facebook Data Use Policy at: https://www.facebook.com/policy.php
Google+ Login:
We may use Google+ Login so you can use your existing Google+ account to access the features of the Site. You must explicitly authorize Google+ to share your information with us when you first login to the Site with your Google+ credentials.
You should review your privacy settings on your Google+ account because those settings determine and govern what PII may be made available to us when you access the Site. While Google+ Login may allow us to access a variety of information about you based on your Google+ account’s privacy settings, we only access PII which we feel is useful to enhance your experience of the Site, which may include your name, gender and/or location. We may also collect any information you enter on the Site or give us in any other way (such as through a comment or email).
Find out more about Google+ Privacy and Terms at: https://www.google.com/intl/en/policies/
Other Social Media Enabled to Share Posts and Information:
We may use other social media platforms you may be using to share posts from or other functions within the Site, check out the privacy and terms page of the website you are using for social media to find out more about its policies.
Information in Public Areas of the Site:
Please keep in mind that whenever you voluntarily provide information in public areas of the Site, that information can be viewed and possibly used by others. We therefore advise users not to disclose contact information, including phone number, email address, street address or instant messenger address (within these public areas) that they do not wish to share. We are not responsible for PII you choose to submit in these public areas.
Collection of Information by Third Parties and Non-Affiliated Third Parties:
Our Site may include third party advertising, links to other websites, and other content from third party businesses. The content posted by these parties will be reasonably identifiable as coming from a third party. We do not provide any PII to these advertisers, third party websites, or other businesses, although on occasion we may mutually share non-personally identifiable (ex: demographics) information to facilitate delivery of relevant advertisements. These third party websites, businesses, and advertisers, or advertising companies working on their behalf, sometimes use technology to deliver (or “serve”) the advertisements that appear on our Site directly to your browser. They automatically receive your IP address when this happens. They may also use cookies, JavaScript, web beacons (also known as action tags or single-pixel gifs), and other technologies to measure the effectiveness of their ads and to personalize or optimize advertising content. We do not have access to or control over cookies or other technologies that they may use, and the information practices of these advertisers and third party websites or businesses are not covered by this Policy but are covered by their respective privacy policies. Some, but not all, third party advertising companies provide a mechanism to opt-out of their technology.
Co-Branded Services:
Certain aspects of the Site may be provided to you in association with third parties (“Co-Branded Services”) such as our advertisers, affiliates, business partners, or sponsors, and may require you to disclose Personal Information to them. Such Co-Branded Services will identify the third party. If you elect to register for products and/or services through the Co-Branded Services, you may be providing your information to both us and the third party. Any such information provided to the third party is subject to that third party’s privacy policies.
Amazon Associates Program Privacy Disclosure
Third parties, including Amazon and other advertisers may serve content and advertisements, collect information directly from you, and place or recognize cookies on your browsers.
Amazon Associates Program Operating Agreement
CreditLiteracyProject.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com.
Promotions, Sweepstakes, and Contests:
We may host a promotion, sweepstake, or contest on the Site. You may be asked to provide PII or permit the transfer to a third party of your PII in connection with such promotion, sweepstake or contest. It will be disclosed at the point of collection or transfer who is collecting or transferring the information and whose privacy statement applies, and it will be your choice whether or not you wish to permit such transfer or collection of PII to a third party.
Possible Information Collected:
Information you explicitly provide by keying it into the Site. Typical information used in the course of visiting a website such as traffic analytics, this is information not explicitly provided by you, but standard information that passed when visiting a website, including this Site.
How Does CLP Use The Information Collected?
We may use information you provide to interact with you by sending you posts you have subscribed to, reply to comments, you may be notified of comments to your comments, email or to contact you in general regarding an order you have placed or information you have requested.
We use personal information for purposes of administering and expanding our business activities, providing customer service and making available other products and services to our customers and prospective customers. Information we collect may be used to notify you about important changes to this website, new services and special offers you may find valuable. You may notify us you do not wish to receive these offers by clicking the unsubscribe link contained in each such email or by following unsubscribe instructions in the footer of the email.
Does CLP Disclose Any Information to Outside Parties?
Your information is not shared with or sold to other organizations for commercial purposes. Some circumstances in which information may be shared:
As required by law. If we receive a warrant or subpoena from a law enforcement agency or court of law that has jurisdiction over us we will respond appropriately.
Third party vendors utilized to make a purchase through the shopping cart, which may include PayPal, your credit or debit card issuer or your bank if utilizing an electronic check, money transfer or a physical check.
Communications utilizing a third party to carry out said communication may include email domain, POP address, hosting, plugins, widgets and standard technology used for regular website functions.
How do we protect your information?
CLP takes reasonable precautions to protect the security of our users’ information. We have physical, electronic, and managerial procedures to help safeguard, prevent unauthorized access, maintain data security, and correctly use your information. However, neither people nor security systems are foolproof, including encryption systems. In addition, people can commit intentional crimes, make mistakes or fail to follow policies. Therefore, while we use reasonable efforts to protect your PII, we cannot guarantee its absolute security.
We encourage you to take steps to protect your information by not passing sensitive information, such as making a purchase, to the Site in a public place that may not be secure.
What About Links to Other Sites?
The Site may contain links to other sites. We are not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our Site and to read the privacy statements of every web site that collects your PII. This Policy applies only to information collected by the Site.
What Does CLP do When This Privacy Policy Changes?
The latest effective date is located at the top of the Privacy page. We reserve the right to change the privacy policy at any time we deem necessary. Non-material changes and clarifications will take effect immediately. If we make non-material changes, we will indicate at the top of this page the revised policy’s new effective date. If we make material changes that impact you individually, we will attempt to notify you by email or through notice on the home page of the Site, and will also indicate so at the top of this page. The material changes will take effect 30 days after such notice. We encourage you to refer to this Policy at least every 30 days to check for material changes to this Policy.
Does CLP Transfer Information Overseas?
Your PII may be transferred outside of the United States. Any transfer of your PII is done in circumstances ensuring that your data is processed only in accordance with this Privacy Policy.
Does CLP Abide by Children’s Online Privacy Protection Act (COPPA) – 15 U.S. Code Section 6501?
Yes. The goal of COPPA is to place parents in control over what information is collected from their young children online. With limited exceptions, COPPA and the related FTC Rule require operators of commercial web sites and online services to provide notice and get verifiable parental consent before collecting personal information from children under the age of 13.
This Site is not intended for children under the age of 13. We do not knowingly collect any personally identifiable information from children under the age of 13. CLP targets its Services and this Site to adults and not to children under 13.
For more information, see the FTC’s COPPA Web site: http://business.ftc.gov/privacy-and-security/children’s-online-privacy.
Does CLP Abide by California Law – Online Privacy Protection Act of 2003 – California Business and Professions Code sections 22575-22579?
Yes. This law requires operators of commercial web sites or online services that collect personal information on California residents through a web site to conspicuously post a privacy policy on the site and to comply with its policy. The privacy policy must, among other things, identify the categories of personally identifiable information collected about site visitors and the categories of third parties with whom the operator may share the information. The privacy policy must also provide information on the operator’s online tracking practices. An operator is in violation for failure to post a policy within 30 days of being notified of noncompliance, or if the operator either knowingly and willfully or negligently and materially fails to comply with the provisions of its policy. This law takes effect July 1, 2004.
Non-Public Personal Information:
Non-public information is shared by you voluntarily during the course of visiting the Site; it is your choice to share this information. The Privacy Policy applies to public and non-public information. We will always do our best to protect your information whether it is public or non-public.
Agents:
We may employ services or individuals to perform functions on our behalf. Examples include order fulfillment, communication management, Site and data analysis, marketing assistance, credit or debit card payments, other forms of payment and various types of customer service. These entities only access the PII for their job functions, but may not use the information for other purposes.
Your Consent:
By using CreditLiteracyProject.com you consent to our collection and use of your PII and/or PI as described in this Privacy Policy.
Mobile Applications:
This Privacy Policy applies to mobile applications on phones, tablets, pads, pods, watches, laptops, and any other device used to view the Site or any app related to the Site or CLP.
Social Media Widgets:
We do employ social media widgets within the Site to make interaction simple, it is your choice to use social media sharing or posting on the Site. It is not necessary to utilize social media on the Site.
Jurisdiction:
CLP is located in Tempe, Arizona, USA, all laws, statutes, codes and acts of the State of Arizona and the United States of America apply.
Opting Out:
You may opt-out of receiving communications from us by modifying your subscription or choosing the opt-out feature in the communication received. You may also opt-out by emailing us at privacy@creditlitercyproject.com or by mail at Credit Literacy Project, Attn: Patrick Ritchie, PO Box 12285, Tempe, AZ 85284, U.S.A.
Business Transfers:
The CLP Site or its affiliates may be sold or transferred along with intellectual assets, or other transactions may occur in which your PII is one of the business assets transferred. Under those circumstances your PII, which may have been gathered on the Site, may be one of the business assets transferred.
What If I Have Other Questions Or Concerns About Privacy Or This Policy?
Email privacy@creditlitercyproject.com or by mail at Credit Literacy Project, Attn: Patrick Ritchie, PO Box 12285, Tempe, AZ 85284, U.S.A.
Privacy Concerns:
If you have any concern or complaint about privacy at the Site, please contact us by mail at Credit Literacy Project, Attn: Patrick Ritchie, PO Box 12285, Tempe, AZ 85284, U.S.A or email us at privacy@creditliteracyproject.com. We will do our best to respond to you in a timely and professional manner to answer your questions and resolve your concerns.
Customer Services:
For customer service matters (including questions relating to this Policy), please email support@creditliteracyproject.com.
Copyright © 2014. Credit Literacy Project
