We Assure Your Privacy
Your privacy is important for us at CreditXS. We are providing this privacy statement in accordance with the applicable federal and state laws and because you are an existing or potential client of CreditXS. This privacy statement aims to help you understand what types of private, personal information (information about you that is not publicly available) we are permitted to collect from you, how we use it and how will protect your privacy.
CreditXS’s Privacy Policy in a Nutshell
We collect non-public, personal information about you, including social security numbers or tax identification number and credit reports, to process our loans.
We have stringent policies and procedures in place to ensure the security of non-public, personal information, including social security numbers or tax identification number and credit reports, about our clients.
We do not sell non-public, personal information about our clients to third parties, including companies and individuals that are not affiliated with CreditXS.
We do not disclose any non-public, personal information about our clients to anyone, except where required by law or when you have provided your consent.
We do not use or share personally identifiable health information for marketing purposes
Our Privacy Policy is applicable to all existing and former clients.
Personally Identifiable Information
Your personally identifiable information may be collected during the registration or application process, in order for you to receive Loan Products and Information from Third Party Providers. Your information may be collected when you otherwise agree to the terms of this Privacy Policy, but do not complete the applicable registration process in full.
The types of personally identifiable information that may be collected include, without limitation: (a) your full name; (b) mailing address; (c) e-mail address; (d) home, work and mobile telephone numbers and the best time to call you; (e) date of birth; (f) whether or not you are a US citizen; (g) whether or not you are over eighteen (18) years of age; (h) whether or not you or a spouse are a regular or reserve member of the military; (i) your time at your current residence; (j) whether or not you rent or own your home; (k) your occupation, employer name and time spent at your current job; (l) the loan amount requested; (m) your annual, pre-tax income; (n) how you are paid; (o) how frequently you are paid; (p) the anticipated dates of your next two (2) paychecks; (q) the names, telephone numbers and source of relationship of two (2) personal references; and (r) any and all other information requested on the applicable registration form. For purposes of this Privacy Policy, items (j) through (q) in the preceding sentence shall be considered Sensitive Information.
Use of Personally Identifiable Information
By submitting your personal information, you understand and agree such personal information (including the Sensitive Information) may be shared with Third Party Providers in order to complete your request for Loan Products and Information from such Third Party Providers, and such Third Party Providers may use your personal information for any lawful purposes, subject to any restrictions contained herein. Any information that you supply to any Third Party Providers shall be governed by the applicable Third Party Providers’ Privacy Policies.
Please be advised that CreditXS does not itself provide debt settlement products or services. The ultimate terms and conditions of any Loan Products and Information provided by any Third Party Providers will be determined by those Third Party Providers.
Please note: by submitting your personal information, your information is being provided by you freely, and your information may be shared with Third Party Providers to bring selected retail opportunities to site visitors. These businesses and third parties may include, but are not limited to: (a) providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; (b) e-mail marketers; (c) telemarketers (where permitted by applicable law); (d) SMS text-based marketers (where permitted by applicable law); and (e) direct marketers.
From time to time, it may be necessary to contract with other Third Party Providers to perform certain functions on our behalf, with regards to site maintenance and/or updating. Other examples include sending direct and electronic mail, removing duplicate information from user lists, analyzing data and providing marketing analysis. The Third Party Providers performing these limited functions may have access to personal information as needed to perform their functions. Use of your personal information for other purposes is prohibited.
We may use personal information for website administrative customer service, to provide our visitors with information which may be requested, to customize visitor experiences on the Site. We may also use personal information for internal business purposes, such as analyzing and managing our business. Third parties may be used to assist in the operation of this Site or to administer activities on our behalf.
We reserve the right to release current or past user information, as it is made available to us from Third Party Providers, in the event the user is using, or has used, our products, services and/or Site: (i) in violation of the Site’s Terms and Conditions, this Privacy Policy or any of our operating rules, policies, and/or other supplemental terms and conditions or documents that may be published from time to time; (ii) to commit unlawful acts; (iii) if such information is subpoenaed or requested pursuant to a judicial or regulatory proceeding or inquiry; (iv) if this Site is sold or acquired; and/or (v) when deemed necessary or appropriate including, without limitation to, sharing your e-mail address with other third parties for suppression purposes in compliance with the CAN-SPAM Act of 2003, as amended from time to time, and Federal Trade Commission implementing regulations.
Without limiting the generality of the foregoing, we reserve the right to share, sell, rent, lease and/or otherwise distribute any and all personal information (other than the Sensitive Information) with/to any third party for any and all uses permitted by this Privacy Policy and applicable law.
If you have questions or concerns regarding this statement, you should contact CreditXS at support@creditxs.com. If you do not receive acknowledgement of your inquiry or your inquiry has not been satisfactorily addressed, you should contact TRUSTe at http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will then serve as a liaison with us to resolve your concerns. Credit Loan, LLC is committed to protecting your privacy when you visit our web site. You can access Creditloan.com and browse our site without disclosing any of your personal data.
Non-Personally Identifiable Information
We may use IP addresses to compile and provide aggregate statistics about our visitors, traffic patterns, and administer the site. This statistical information may also be related to third parties, but these statistics will not include any personally identifying information, track user’s movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information. We collect only the personal data that you may volunteer while using our services, such as your name and e-mail addresses only. We do not collect information about our visitors from other sources, such as public records or bodies, or private organizations.
Access to Personally Identifiable Information
If your personally identifiable information changes, or if you no longer desire our service, you may correct, update, delete or deactivate your information by emailing our Customer Support by contacting us by telephone or postal mail at the contact information listed below.
Phone: 800 800 2018
Mailing Address:
CreditXS
1661, Tennessee Street
#27, San Fransisco, CA 94107
Email Campaigns
We may use your e-mail address to: Send you newsletters, and other customer related material.
CreditXS.com has a zero tolerance policy for e-mail abuse. If you receive unsolicited e-mails from PayForDebt.com, please report it to our Customer Support.
We will never ask you to provide non-public or sensitive information in an e-mail. DO NOT RESPOND to an e-mail that appears to be from us requesting non-public or sensitive information the e-mail. Contact us immediately at 800 800 2018.
We do not store e-mail addresses from correspondence sent to us. If you contact us by e-mail we will respond by email. Creditloan.com will not use or store your email address in our database from such correspondence.
Security
The security of your personal information is important to us. No sensitive information (such as credit card number and/or social security number) is ever collected from our site. CreditXS.com has obtained a VeriSign SSL certification. VeriSign is the leading-edge trust service that is a fast, convenient way to identify and confirm a web site’s legitimacy. Users see confirmed identity of business with one click. Site owners and visitors are protected from spoofed (copied) sites that can harm the rightful owner. The VeriSign logo can be viewed and verified at anytime at the footer of every webpage on creditloan.com.
The security of your personal information is important to us. When you enter your name and email address in our newsletter subscription and contact us forms order forms, we encrypt that information using secure socket layer technology (SSL). To learn more about SSL, follow this link http://www.webopedia.com/TERM/S/SSL.html
We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
If you have any questions about security on our website, you can email us at: support@creditxs.com.
Contact Information
If you have questions or comments, email us at support@creditxs.com, or mail us via postal mail at:
CreditXS
1661, Tennessee Street
#27, San Fransisco, CA 94107
Phone: 800 800 2018
Note: If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our homepage.
We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Web site.
Changes to Privacy Policy
We reserve the right, in our sole discretion, to change, modify, add and/or remove portions of this Privacy Policy at any time. All Privacy Policy changes will take effect immediately upon their posting on the Site. Please check the Site periodically for any changes. Your continued use of the Site and/or acceptance of our e-mail communications following the posting of changes to this Privacy Policy will constitute your acceptance of any and all changes.