ConsumerDirect ® ("We", "Us", "Our") is the owner, maker and service provider for all your Membership services. Your membership contract for services is with ConsumerDirect and you can securely access your membership service at: www.smartcredit.com
Please thoroughly read this agreement.
WHAT PERSONAL INFORMATION DO WE COLLECT?
We collect three types of personal information from you:
Contact Information - such as your name, address, and telephone number; and,
Financial Information - such as information on your creditors and accounts and the specific actions you take with regard to those accounts, as well as your credit card information (used to pay for our services); and,
Personal Information - such as demographic information, credit, identity and other personal profile data that you provide about yourself when you visit our website, register, or use our service, as well as, your Membership preferences.
In the course of providing services to you, we may also receive information about you from your creditors or the credit reporting agencies about your accounts. This information is classified as Financial Information.
A special note about children's information: Our services are designed to help adults manage their financial relationships. We do not knowingly collect any information from any children under the age of 18.
HOW DO WE USE YOUR PERSONAL INFORMATION?
The primary reasons we collect personal information are to (1) enroll you in our Membership program, (2) provide products and services that you have requested and (3) promote products and services to you. In particular:
We use your Contact Information to provide:
- general Membership communications
- specific messages about your Membership, such as billing notices and action confirmations
- promotional messages and telephone calls from us and our marketing partners, unless you tell us not to by opting-out as described below .
We use your Personal Information to verify your identity, provide you with necessary Membership services, such as our Smart Credit Report, determine what other products and services might be of interest to you, and for our internal administrative purposes.
We may contact you by mail, telephone and/or email to better assist you with completing your enrollment or for other marketing purposes.
WHEN DO WE SHARE YOUR PERSONAL INFORMATION WITH OTHERS?
We may provide your personal information to third parties under the following circumstances:
We may disclose any personal information (including your Contact Information, Financial Information and Personal Information) with any third parties as needed to process your actions and provide the services that you request. For example, to complete a Action, we will disclose your contact information, account information, along with your Action request and Membership information to the creditor on your behalf.
We may disclose any personal information with third parties that are performing services on our behalf. These third parties are required to protect your personal information and are not permitted to use it for any other purpose.
Unless you opt out (as described below), we may share your Contact Information and Personal Information with third parties so they may send you information about their products and services via electronic and conventional postal mail. We may also share your Contact Information and Personal Information with other financial institutions, in order to jointly market financial products and services to you.
We may disclose any personal information as required or as permitted by law. For example, we may disclose your information to prevent fraud or in response to a subpoena. We may also disclose your information as needed to protect our legal rights and enforce our terms.
We may also disclose your personal information in the event our business or our assets are purchased.
WHAT CHOICES DO I HAVE?
You have choices with regard to marketing communications and data sharing. In particular:
Regardless of how you access our services, you can opt-out of receiving marketing communication from us (and our joint marketing partners) or from our sharing your personal information with third parties for their own marketing by clicking on the opt-out link below:
You may opt-out of receiving promotional telephone calls from us by asking the operator to place you on our do not call list or by clicking on the opt-out link below.
You may opt-out of email marketing, by following the opt-out instructions included in every commercial email we send. You may also opt out by sending a written request to us at 265 Briggs Avenue, Costa Mesa, CA 92626.
Please note that we may continue to communicate with you regarding your Membership and Actions you take.
HOW DO I UPDATE OR CORRECT MY PERSONAL INFORMATION?
If you are a Member, please login to our website at www.smartcredit.com, log in and click Help then Account Information. If you are not a Member, please send a request to us at 265 Briggs Avenue, Costa Mesa, CA 92626. A representative will be happy to assist you.
HOW DO WE PROTECT YOUR PERSONAL INFORMATION?
We have developed a formal information security program to safeguard the personal information that you entrust to us. Our security program includes reasonable technical, physical and administrative safeguards. For example, we restrict access to your information only to those employees who need to know that information to provide products or services to you.
We also take special steps to protect your information via transmission over the Internet by using a secure web server, which allows web browser programs (Mozilla/Firefox, Netscape, or Microsoft Internet Explorer) to interact with the web server via an encrypted session. We employ a Secure Sockets Layer (SSL) connection that provides an encrypted connection between your computer and ConsumerDirect. The 128 bit encrypted connection scrambles ordinary text or data into cyphertext to safeguard sensitive information during its journey across the Internet. The information is decrypted, or put back into a readable format, when it reaches its intended destination. Depending on which browser you use, you will know you are in secured area by "https" or a lock appearing on your screen. When you visit our website, you will be in a secured area.
As our business changes, we may need to revise our privacy practices. If we make any material changes to this privacy notice, we will notify all of our Members (and former Members or non-Members, if affected by the change) and provide you with the opportunity to opt-out of having your information handled in accordance with the new policy.
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