Free Credit HQ values its users' privacy. This Privacy Policy ("Policy") will help you understand how we collect and use personal information from those who visit our website or make use of our online facilities and services, and what we will and will not do with the information we collect. Our Policy has been designed and created to ensure those affiliated with Free Credit HQ of our commitment and realization of our obligation not only to meet, but to exceed, most existing privacy standards.
We reserve the right to make changes to the Policy at any given time. If you want to make sure you are up to date with the latest changes, we advise you to frequently visit this page. If at any point in time Free Credit HQ decides to make use of any personally identifiable information on file, in a manner vastly different from that which was stated when this information was initially collected, the user or users shall be promptly notified by email. Users at that time shall have the option as to whether to permit the use of their information in this separate manner.
This Policy applies to Free Credit HQ, and it governs any and all data collection procedures expressed in this Policy.
Please note that this policy does not govern the collection and use of information by companies that Free Credit HQ does not control, nor by individuals not employed or managed by us. If you visit a website that we mention or link to, be sure to review its privacy policy before providing the website with information. It is highly recommended and suggested that you review the privacy policies of any website you choose to use or frequent to better understand the way in which websites garner, make use of and share the information collected.
Specifically, this Policy will inform you of the following:
1. What personally identifiable information is collected from you through our website;
2. Why we collect personally identifiable information and the legal basis for such collection;
3. How we use the collected information and how it may be shared;
4. What choices are available to you regarding the use of your data; and
5. The security procedures in place to protect the misuse of your information.
Information We Collect
It is always up to you whether to disclose personally identifiable information to us, although if you elect not to do so, we reserve the right not to register you as a user or provide you with any products or services. The website collects various types of information, such as:
* Voluntarily provided information which may include your name, address, email address, billing and/or credit card information, etc. which may be used when you purchase products and/or services and to deliver the services you have requested.
In addition, Free Credit HQ may have the occasion to collect non-personal anonymous demographic information, such as age, gender, household income, as well as the type of browser you are using, IP address, or type of operating system, which will assist us in providing and maintaining superior quality service.
Please rest assured that this site will only collect personal information that you knowingly and willingly provide to us by way of surveys, completed membership forms, and emails. It is the intent of this site to use personal information only for the purpose for which it was requested, and any additional uses specifically provided for in this Policy.
Why We Collect Information and For How Long
We are collecting your data for several reasons:
The data we collect from you will be stored for no longer than necessary. The length of time we retain said information will be determined based upon the following criteria: the length of time your personal information remains relevant; the length of time it is reasonable to keep records to demonstrate that we have fulfilled our duties and obligations; any limitation periods within which claims might be made; any retention periods prescribed by law or recommended by regulators, professional bodies or associations; the type of contract we have with you, the existence of your consent, and our legitimate interest in keeping such information as stated in this Policy.
Use of Information Collected
Free Credit HQ does not now, nor will it in the future, sell, rent or lease any of its customer lists and/or names to any third parties.
Free Credit HQ may collect and may make use of personal information to assist in the operation of our website and to ensure delivery of the services you need and request. At times, we may find it necessary to use personally identifiable information as a means to keep you informed of other possible products and/or services that may be available to you from freecredithq.com.
Free Credit HQ may also be in contact with you in regard to completing surveys and/or research questionnaires related to your opinion of current or potential future services that may be offered.
Free Credit HQ uses various third-party social media features including but not limited to LinkedIn and other interactive programs. These may collect your IP address and require cookies to work properly. These services are governed by the privacy policies of the providers and are not within Free Credit HQ's control.
Disclosure of Information
Free Credit HQ may not use or disclose the information provided by you except under the following circumstances:
Non-Marketing Purposes
Free Credit HQ greatly respects your privacy. We do maintain and reserve the right to contact you if needed for non-marketing purposes (such as bug alerts, security breaches, account issues, and/or changes in Free Credit HQ products and services). In certain circumstances, we may use our website, newspapers, or other public means to post a notice.
Children Under the Age of 13
Free Credit HQ's website is not directed to, and does not knowingly collect personally identifiable information from, children under the age of thirteen (13). If it is determined that such information has been inadvertently collected on anyone under the age of thirteen (13), we shall immediately take the necessary steps to ensure such information is deleted from our system's database, or in the alternative, that verifiable parental consent is obtained for the use and storage of such information. Anyone under the age of thirteen (13) must seek and obtain parent or guardian permission to use this website.
Unsubscribe or Opt-Out
All users and visitors to our website have the option to discontinue receiving communications from us by way of email or newsletters. To discontinue or unsubscribe from our website please send an email that you wish to unsubscribe to pbwalker@affectivemedia.net. If you wish to unsubscribe or opt-out from any third party websites, you must go to that specific website to unsubscribe or opt-out. Free Credit HQ will continue to adhere to this policy with respect to any personal information previously collected.
Links to Other Websites
Our website does contain links to affiliate or other websites. Free Credit HQ does not claim or accept responsibility for any privacy policies, practices and/or procedures of other such websites. Therefore, we encourage all users and visitors to be aware that when they leave our website and to read the privacy statements of every website that collects personally identifiable information. The Privacy Policy Agreement applies only and solely to the information collected by our website.
Notice to European Union Users
Free Credit HQ's operations are located primarily in the United States. If you provide information to us, the information will be transferred out of the European Union (EU) and sent to the United States. (The adequacy decision on the EU-US Privacy became operational on August 1, 2016. This framework protects the fundamental rights of anyone in the EU whose personal data is transferred to the United States for commercial purposes. It allows the free transfer of data to companies that are certified in the U.S. under the Privacy Shield.) By providing personal information to us, you are consenting to its storage and use as described in this Policy.
Security
Free Credit HQ takes precautions to protect your personal information. When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information (e.g. credit card information), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a lock icon in the address bar and looking for "https" at the beginning of the address of the webpage.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers and servers in which we store personally identifiable information are kept in a secure environment. This is all done to prevent any loss, misuse, unauthorized access, disclosure or modification of the user's personal information under our control.
The company also uses Secure Socket Layer (SSL) for authentication and private communications to build users' trust and confidence in the internet and website use by providing simple and secure access and communication of credit card and personal information. The website is also secured by VeriSign.
Acceptance of Terms
By using this website, you are hereby accepting the terms and conditions stipulated within the Privacy Policy Agreement. If you are not in agreement with our terms and conditions, then you should refrain from further use of our sites. In addition, your continued use of our website following the posting of any updates or changes to our terms and conditions shall mean that you agree and accept such changes.
How to Contact us
If you have any questions or concerns regarding the Privacy Policy Agreement related to our website, please feel free to contact us at the following email, telephone number or mailing address.
Email: pbwalker@affectivemedia.net
Telephone number: 678-985-8144
Mailing Address:
Free Credit HQ, 1011 Derby Lane, Bogart, GA 30622
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