Privacy Policy

Last Updated: July 22, 2019

Credit Squad, LLC, (hereinafter referred to as ‘Credit Squad’) is owner and operator of www.creditsquad.com Website (hereinafter referred to as ‘Credit Squad Website’) and is committed to safeguarding your privacy online. Please read the following policy to understand how your personal information will be treated as you make full use of our many products and offerings. This policy may change from time to time so please check back periodically.

This policy will let you know:

1. What personally identifiable information is collected from you;
2. What cookies are and how they are used;
3. How your information is used;
4. Who is collecting your information;
5. With whom your information may be shared
6. What choices are available to you regarding collection, use, and distribution of your information;
7. How you can access, update or delete your information;
8. How the Credit Squad Website treats your personal and financial related information;
9. The kind of security precautions that are in place to protect the loss, misuse, or alteration of your information;
10. How the Credit Squad Website protects children’s privacy; and
11. What else you should know about your online privacy.

1. What personally identifiable information does the Credit Squad Website collect from me?
   Credit Squad Website collects information in several ways. Some personal information is gathered when you register on the website. During the registration process, the Credit Squad Website requires that you create a username and password. At that time you may also be asked for demographic information about yourself, such as your birth date, gender, and mailing address. Other than your mailing address and birth date as any other information required to provide the specific service you requested, you are not required to provide any other information, but the more information you volunteer (and the more accurate it is), the better we are able to customize your experience. We may ask you for personal information at other times also, including (but not limited to) when you utilize a promotion sponsored by Credit Squad and/or one of our affiliates; when you make a purchase from the Credit Squad Website; and if you report a problem with our products and/or services. Such information may include your e-mail and homer address as well as Social Security number and other personal identifiers. If you make contact with the Credit Squad Website and/or Credit Squad we may keep a record of that correspondence. Credit Squad Website may occasionally ask users to complete surveys that we use for research purposes. Wherever Credit Squad Website collects personal information we make an effort to include a link to this Privacy Policy on that page.
2. What are cookies and how does Credit Squad Website use them?
   As part of offering and providing customizable and personalized services, Credit Squad Website uses cookies to store and sometimes track information about you. A ‘cookie’ is a small amount of data that is sent to your browser from a web server and stored on your computer’s hard drive. All pages comprising the Credit Squad Website where you are prompted to log in or that are customizable require that you accept cookies. (See ‘What are my choices regarding collection, use and distribution of my information?’ for more information on cookies.)

   Generally, we use cookies to:

   1. Remind us of who you are and to access your account information (stored on our computers) in order to deliver to you a better and more personalized service. This cookie is set when you register or ‘Sign In’ and is modified when you ‘Sign Out’ of our services.
   2. Estimate our audience size. Each browser accessing the Credit Squad Website is given a unique cookie which is then used to determine the extent of repeat usage, usage by a registered user versus by an unregistered user, and to help target advertisements based on user interests and behavior.
   3. To process the items in your shopping basket. This information collected by cookies is sometimes called ‘clickstream’ or ‘click trail’ and may also describe which pages you have seen in each merchant’s store.

   Credit Squad Website also collects IP addresses and Internet Browser Information for system administration and to report aggregate information to our advertisers.

3. How does the Credit Squad Website use my information?
   Credit Squad Website’s primary goal in collecting personal information is to provide you, the user, with a customized experience. This includes personalization services, interactive communications as well as display of advertisements for valuable products and services. By knowing a little about you, Credit Squad Website is able to deliver more relevant advertisements and content, and better service to you.

   The Credit Squad Website may do research on our users’ demographics, interests, and behavior based on the information provided to us upon registration and from our server log files. We do this to better understand and serve our users. This research is compiled and analyzed on an anonymous, aggregated basis. Credit Squad may share this aggregated data with advertisers or business affiliates.

4. Who is collecting information?
   When you are using the Credit Squad Website and are asked for personal information, you are sharing that information with Credit Squad and, if applicable, a Direct Business Affiliate, unless it is specifically stated otherwise. For example, some Credit Squad Website services may be offered in conjunction with an affiliated company, including Credit Squad (www.creditsquad.com). In order to provide this co-branded service to you, it is necessary for us to share your personal information with our affiliated company. If data is being collected and/or maintained by any company other than Credit Squad, Credit Squad and/or a Direct Business Affiliate, you will be notified prior to the time of the data collection or transfer. If you do not want your data to be shared, you can choose not to allow the transfer by not using that particular service.
5. With whom does the Credit Squad Website share my information?
   As a general rule, Credit Squad will not disclose any of your personally identifiable information except when we have your permission or under special circumstances, such as when we believe in good faith that the law requires it or under the circumstances described below. Credit Squad may share your personal information with its business affiliates, including Credit Squad. Credit Squad may also share personally identifiable information with companies who are service providers of Credit Squad but these companies are under a strict confidentiality agreement not to disclose any of your personally identifiable information to outside parties unless it is necessary to provide the services you requested or they are they are given permission to do so by you. The following describes some of the other ways that your information may be disclosed.

   Direct Business Affiliate: A Direct Business Affiliate is a Credit Squad Service Provider is a Company utilized by Credit Squad to assist Credit Squad in providing you the service you have specifically requested Credit Squad provide you. A Direct Business Affiliate is under a strict confidentiality agreement not to disclose any of your personally identifiable information to outside parties unless it is necessary to provide the services you requested or they are they are given permission to do so by you.

   Business Affiliates & Sponsors: Credit Squad may disclose your personal information to business affiliates or sponsors, but this is specifically described to you prior to data collection or prior to transferring the data. Some or all data collected during a Credit Squad promotion may be shared with a sponsor. If personally identifying data about you will be shared, we will tell you before we collect or transfer the data. Unless you direct the company otherwise, Credit Squad may share your personal information with Credit Squad.

   Third Party Data and Data in the Aggregate: Under confidentiality agreements, Credit Squad may match user information with third party data. Also, Credit Squad may disclose aggregated user statistics (for example, ‘15% of our users are located in New Jersey’) in order to describe our services to prospective affiliates, advertisers, and other third parties, and for other lawful purposes.

   Other: Credit Squad may also disclose account information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating the Credit Squad Website’s Terms and Conditions of Use or may be violating the Credit Squad Agreement or may be causing injury to or interference with (either intentionally or unintentionally) Credit Squad rights or property, other Credit Squad Website users, or anyone else that could be harmed by such activities. Credit Squad may disclose or access account information when we believe in good faith that the law requires it and for administrative and other purposes that we deem necessary to maintain, service, and improve our products and services.

6. What are my choices regarding collection, use, and distribution of my information?
   Credit Squad may, from time to time, send you email regarding our products and services. In addition, you may receive offers or information from Credit Squad, the Credit Squad Website and our affiliates (include Credit Squad), and we may occasionally send you direct mail about products and services that we feel may be of interest to you. Only Credit Squad (or agents working on behalf of Credit Squad and under confidentiality agreements) and its affiliates (including Credit Squad) will send you these direct mailings and only if you indicated that you do not object to these offers. If you do not want to receive such mailings, simply tell us when you give us your personal information. Or, at any time you can easily edit your Credit Squad Website Account Information to no longer receive such offers and mailings. You will need your Credit Squad Website User ID and Password in order to access your Credit Squad Website Account Information.

   You also have choices with respect to cookies. By modifying your browser preferences, you have the choice to accept all cookies, to be notified when a cookie is set, or to reject all cookies. If you choose to reject all cookies you may not be able to use those Credit Squad Website services that require registration in order to participate.

   Credit Squad does not sell or rent user information to anyone.We will notify you at the time of data collection or transfer if your data will be shared with a third party and you will always have the option of not permitting the transfer. If you do not wish to allow your data to be shared, you can choose not to use a particular service or not to participate in certain promotions or contests.

7. What is Credit Squad Website’s policy on allowing me to update, correct, or delete my personally identifiable information?
   You may edit your Credit Squad Website Account Information at any time by using your Credit Squad Website User ID and password. If you have forgotten your password, please click here to request a new password. For all other problems signing in to the Credit Squad Website, please click here to email customer service.

   If you are participating in a Credit Squad Website promotion and you wish to update your email address on the promotions mailing list or to quit a promotion and cease receiving promotion related email, please contact support@creditsquad.com.

8. How does the Credit Squad Website protect my personal and financial related information?
   Keeping your personal and financial information private is vitally important to us.

   Knowing that you use certain services or features may help us to offer you better and more relevant content and advertisements. But as with all personally identifiable information, we do not make this available to any third parties who are not Direct Business Affiliates of Credit Squad without your permission. Any user statistics that we may provide to non-direct affiliates regarding financial product or service usage on the Credit Squad Website are provided in the aggregate only and do not include any personally identifiable information about any individual user.

   Please note that there are several places on the Credit Squad Website where you can transmit credit card information in order to complete a purchase transaction or for verification purposes. Any time we ask for a credit card number we transmit that credit card number in an encrypted format. We use industry standard, SSL (secure socket layer) encryption.

9. What security precautions are in place to protect the loss, misuse, or alteration of my information?
   Your Credit Squad Website Account Information is password protected so that you and only you have access to this personal information. You may edit your Credit Squad Website Account Information by using your Credit Squad Website User ID and password.

   We recommend that you do not divulge your password to anyone. The Credit Squad Website and Credit Squad will never ask you for your password in an unsolicited phone call or in an unsolicited email. Also remember to sign out of your Credit Squad Website account and close your browser window when you have finished your work. This is to ensure that others cannot access your personal information and correspondence if you share a computer with someone else or are using a computer in a public place like a library or Internet cafe.

   When you give the Credit Squad Website personal information, that information may be sent electronically to servers outside of the country where you originally entered the information, such as to the United States or other countries. In addition, that information may be used, stored and processed outside of the country where you entered that information. Whenever the Credit Squad Website handles personal information as described above, regardless of where this occurs, the Credit Squad Website takes steps to ensure that your information is treated securely and in accordance with the relevant Terms and Conditions of Use and this Privacy Policy.

   Unfortunately, no communication — by internet, phone, mail or any other means — can be guaranteed to be 100% secure. While we strive to protect your personal information, the Credit Squad Website and Credit Squad cannot ensure or warrant the security of any information you transmit to us or from our online products or services, and you do so at your own risk. Once we receive your transmission, we make our best effort to ensure its security on our systems.

10. What about children’s privacy?
    Naturally, the safety of children is very important to us. The Credit Squad Website is a general audience web site. Children should always ask a parent for permission before sending personal information to anyone online. Credit Squad Website and Credit Squad does not offer products and services for purchase to children the age of 13, and does not share personal information about users or their children under the age of 13 with third parties. We do not sell or rent personal information about any of our users, regardless of age. In addition, Credit Squad Website and Credit Squad will not send any direct email or mail offers to users who indicate they are under the age of 13.
11. What else should I know about my privacy?
    Please keep in mind that whenever you voluntarily disclose personal information online, for example on message boards, through email, or in chat areas that information can be collected and used by others. In short, if you post personal information online that is accessible to the public, you may receive unsolicited messages from other parties in return.

    Ultimately, you are solely responsible for maintaining the secrecy of your passwords and/or any account information. Please be careful and responsible whenever you’re online.

Additional Information

Questions regarding this statement should be directed to support@creditsquad.com

Changes to this Privacy Policy

We reserve the right to modify this Privacy Policy at any time. The provisions contained in this privacy statement supersede all previous notices or policies regarding our privacy practices with respect to this Website. Any and all changes will be made here, to this Privacy Policy.

We encourage you to check our Website frequently to see the current privacy policy to be informed of how we are committed to protecting your information and providing you with improved content on our Website in order to enhance your online experience. Upon any material changes to the policy statement, we will post those changes to this Privacy Policy so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

Privacy Questions

If you have any questions or concerns about Credit Squad LLC Privacy Policy or data processing, please contact us.

Credit Squad LLC
400 Rella Blvd Suite 165
Suffern, NY 10901

If you feel that we are not abiding by this privacy policy, you should contact us immediately via email at support@creditsquad.com.

PLEASE PRINT AND RETAIN A COPY OF THIS PRIVACY POLICY FOR YOUR RECORDS.