PrepareYourCredit.com Privacy Policy

August 24, 2009

At PrepareYourCredit.com we strive to develop innovative services to better serve our users. We recognize that privacy is important, so we design and operate our services with the protection of your privacy in mind. This Privacy Policy applies to all of the products, services and websites offered by PrepareYourCredit.com or its subsidiaries or affiliated companies (collectively, PrepareYourCredit.com 's "services").

If you have any questions about this Policy, please feel free to contact us through our website or write to us at Privacy Matters, c/o PrepareYourCredit.com , 51 West Center Street, #617, Orem, UT, 84057.

Information we collect and how we use it:

In order to provide our full range of services, we may collect the following types of information:

PrepareYourCredit.com only processes personal information for the purposes described in the applicable Privacy Policy and/or privacy notice for specific services. Information collected by us may be added to our databases and used for future telemarketing, SMS text-messaging, e-mails or postal mailings. By using this site, you agree that you may be contacted in any manner contemplated in this section.  In addition to the above, such purposes include:

PrepareYourCredit.com processes personal information on our servers in the United States of America and in other countries. In some cases, we process personal information on a server outside your own country. By using our services, you consent to the transfer of your information among these facilities, including those located outside your country.

By submitting your personal information on the Site, you agree that we may share such personal information with Third Party Providers in order to complete your request for specific products and/or services that you applied for at the Site (“Featured Products”) from such Third Party Providers, and that they may use such personal information for any lawful purposes, subject to any restrictions contained herein. Any information that you supply to PrepareYourCredit.com may be shared with a third party marketing company for the purpose of email marketing, telemarketing, SMS marketing, or postal direct marketing. Any information that you supply to any Third Party Providers shall be governed by the applicable Third Party Providers’ privacy policy.

Choices for personal information

When you sign up for a particular service that requires registration, we ask you to provide personal information. If we propose to use personal information for any purposes other than those described in this Policy and/or in the specific service notices, we will offer you an effective way to opt out of the use of personal information for those other purposes. We will not collect or use sensitive information for purposes other than those described in this Policy and/or in the specific service notices, unless we have obtained your prior consent. You can decline to submit personal information to any of our services, in which case PrepareYourCredit.com may not be able to provide those services to you.

Information sharing

PrepareYourCredit.com will not share any personally identifiable information without the customer's permission.

Information security

We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, as well as physical security measures to guard against unauthorized access to systems where we store personal data.

Accessing and updating personal information

We take reasonable steps to ensure that the personal information we process is accurate, complete, and current, but we depend on our users to update or correct their personal information whenever necessary. We provide mechanisms for updating and correcting your personally identifying information for many of our services. For more information, please see the help pages for each service.

SMS Offering and Opt-out rights

By completing or submitting a registration form or partial registration form you are consenting to receive SMS, wireless or other mobile offering to your cell phone. You understand that your wireless carrier's standard charges and rates apply to these messages. For SMS text messages, you may remove your information by replying "STOP", "END", or "QUIT" to the SMS text message you have received and we will remove your personal information within 10 days of receiving such request.

This website, websites linking to this website, and websites linked from this website (collectively "We") may make available a service either directly or through third parties by which you can receive messages on your wireless device via short message service ("SMS Service"). Your provider's standard data and messaging rates apply to all SMS correspondence. All charges are billed by and payable to your mobile service provider. You represent that you are 18 years of age and the owner or authorized user of the wireless device on which messages will be received, and that you are authorized to approve the applicable charges. Data obtained from you in connection with this SMS Service may include your name, address, cell phone number, your provider's name, and the date, time, and content of your messages. The use of this information will be in accordance with this Mobile Policy. If fees are charged to your wireless account invoice, we may provide your carrier with your applicable information in connection therewith. Your wireless carrier and other service providers may also collect data about your wireless device usage, and their practices are governed by their own policies. You acknowledge and agree that the SMS Service is provided via wireless systems which use radios (and other means) to transmit communications over complex networks. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS IS basis. We do not guarantee that your use of the SMS Service will be private or secure, and we are not liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures best suited for your situation and intended use of the SMS Service.

Minors

Persons under 18 years of age are not allowed to participate in services offered by PrepareYourCredit.com . No information should be submitted to, or posted at, any PrepareYourCredit.com web sites by visitors under 18 years of age. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.
Enforcement

PrepareYourCredit.com regularly reviews its compliance with this Policy. Please feel free to direct any questions or concerns regarding this Policy or PrepareYourCredit.com 's treatment of personal information by contacting us through this web site or by writing to us at Privacy Matters, c/o PrepareYourCredit.com , 51 West Center Street, #617, Orem, UT, 84057. When we receive formal written complaints at this address, it is PrepareYourCredit.com 's policy to contact the complaining user regarding his or her concerns. We will cooperate with the appropriate regulatory authorities, including local data protection authorities, to resolve any complaints regarding the transfer of personal data that cannot be resolved between PrepareYourCredit.com and an individual.

Changes to this policy

Please note that this Privacy Policy may change from time to time. We expect most such changes will be minor. Regardless, we will post any Policy changes on this page and, if the changes are significant, we will provide a more prominent notice. Each version of this Policy will be identified at the top of the page by its effective date. If you have any additional questions or concerns about this Policy, please feel free to contact us any time through this web site or at Privacy Matters, c/o PrepareYourCredit.com , 51 West Center Street, #617, Orem, UT, 84057.