Privacy Policy
Introduction
Protecting personally identifiable information is a core eCredable
value. This Privacy Notice describes how eCredable collects, protects,
and uses the personally identifiable information you provide to us. It
also describes the choices available to you regarding eCredable’s use of
your personally identifiable information.
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FACTS
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WHAT DOES
eCREDABLE DO WITH YOUR PERSONAL INFORMATION?
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Why?
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eCredable is
classified as a “financial” company by the Gramm-Leach-Bliley Act, when a
consumer joins as a member. Financial companies are required to use
“best practices” to protect your privacy and may choose how they share
your personal information. Federal law gives consumers the right to
limit some but not all sharing. Federal law also requires us to tell you
how we collect, share, and protect your personal information. Please
read this notice carefully to understand what we do.
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What?
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The types of
personal information we collect and share depend on the product or
service you have with us. If you become an eCredable member, this
information can include:
- Social Security number
- Name
- Address
- Date of Birth
- Email Address
- Trade Line accounts
- Purchase history
- Payment history
- Payment information
When you are no
longer a customer, we continue to share your information as
described in this notice.
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How?
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All financial
companies need to share customers’ personal information to run their
everyday business. In the section below, we list the reasons financial
companies can share their customers’ personal information; the reasons
eCredable chooses to share; and whether you can limit this sharing.
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Reasons we can share your personal information
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Does eCredable share?
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Can you limit this sharing?
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For our
everyday business purposes – such as to process your transactions,
maintain your account(s), respond to court orders and legal
investigations, or make your information available to third parties at
your request.
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Yes
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No
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For our
marketing purposes – to offer our products and services to you
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Yes
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No
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For joint
marketing with other financial companies
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Yes
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No
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For our
affiliates’ everyday business purposes – information about your
transactions and experiences
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No
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No
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For our
affiliates’ everyday business purposes – information about your
creditworthiness
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No
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No
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For
non-affiliates to market to you
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Yes
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Yes
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To limit our sharing
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eCredable
PO Box 634
Alpharetta, GA 30009-0634
Please
note:
If you
are new member, federal law permits us to begin sharing your information
to provide Services that you may request from time to time. When you
are no longer our customer, we continue to share your information as
described in this notice. However, you can contact us at any time to
limit our sharing by visiting our web site at www.ecredable.com
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Who we are
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Who is
providing this notice?
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eCredable
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What we do
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How does
eCredable protect my personal information?
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To protect your
personal information from unauthorized access and use, we use security
measures that comply with federal law. These measures include computer
safeguards and secured files and buildings.
eCredable
encrypts all data transmissions containing your personal information
using secure socket layer (SSL) and/or secure File Transfer Protocol
(FTP) technology and/or other industry best practice security
protocols.
No method of transmission over the Internet or electronic storage is
100% secure, but eCredable strives to provide a superior level of
protection of your information.
If you have any questions about security on our Web site, you can email
us at support@eCredable.com.
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How does
eCredable collect my personal information?
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We collect your
personal information, for example, when you:
- Join eCredable as a member
- Give us your contact information
- Provide account information
- Provide mortgage information
- Pay your bills
- Order a verification of your identity and trade line account
information
We also collect
your personal information from other companies that you instruct to
provide your information to us.
When you visit
eCredable.com, we send one or more cookies (a small file containing a
string of characters) to your computer or other device that uniquely
identifies your browser. We use cookies to improve the quality of our
service, including the storing of user preferences, improving search
results and ad selection, and tracking user trends. eCredable also uses
cookies in its advertising services to help advertisers and publishers
serve and manage ads. We may set one or more cookies in your browser
when you visit eCredable.com and view or click on an ad supported by
eCredable’s advertising services. This also applies to other sites that
use our advertising cookies.
eCredable also
uses third party tracking utilities to better serve users on the
eCredable.com web site. These utilities may include products such as
Google Analytics.
As is true of most Web sites, we gather certain information
automatically and store it in log files. Server and application software
tracks user IP numbers and logs browser types, access times, domain
names, referring/exit pages, operating system, date/time stamp, and
click stream data.
We may
periodically link this collected data to other information you provide
as a member, which we provide to our partners and selected service
vendors, so you may receive additional benefit from products and
services they may provide.
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Why can’t I
limit all sharing?
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Federal law
gives you the right to limit only:
- Sharing for affiliates' everyday business purposes - information
about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for non-affiliates to market to you
State laws and
individual companies may give you additional rights to limit sharing.
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What happens
when I limit sharing for an account I hold jointly with someone else?
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Your choices
will apply to everyone on your account – unless you tell us otherwise.
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Definitions
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Affiliates
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Companies
related by common ownership or control. They can be financial and
nonfinancial companies.
eCredable does
not share with our affiliates.
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Non-affiliates
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Companies not
related by common ownership or control. They can be financial and
nonfinancial companies.
Non-affiliates
we share with can include companies such as mortgage companies,
insurance companies, direct marketing companies, service providers, and
non-profit organizations.
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Joint
marketing
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A formal
agreement between nonaffiliated financial companies that together market
financial products or services to you.
eCredable does
not jointly market its service with others.
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rev. 3.31.10