CreditSmarts Financial ("CreditSmarts") understands how important
personal privacy is to our customers and site visitors. We have
developed the following privacy policy to address our collection
and disclosure of confidential information.
Visiting our Website
You may visit this site and find out about our products and
services, check our rates, and read more about us without giving us
any information about yourself.
CreditSmarts is committed to continuous improvement of our website.
We may use software tools to gather information about site visitors'
browsing activities in order to target areas for improvement.
Information gathered may include date and time of visits, pages
viewed, time spent at the site, browser types, Internet service
provider, and the site visited just before and just after the CreditSmarts site.
We will also track browsing activities of customers who have
accounts with CreditSmarts Financial and who use our online banking and
bill payment services. As part of our security procedures, CreditSmarts
may use a "cookie" to authenticate a user's request. A "cookie" is
information sent from a website to a visitor's computer while he or
she is visiting the site. The cookies set by CreditSmarts will expire
after one online banking session.
Our Collection and Retention of Personal Information about
You
Information regarding our customers is used solely in the
legitimate conduct of our business, to deliver superior service and
to design products and special offers that better meet our
customers' needs. Customer information will not be used, collected,
or retained unless CreditSmarts has a legitimate business purpose to do
so. We will collect personal information directly from you through
requests for information, the application process, and value-added
services that require personal contact with you. If you choose to
provide personal information, such as address, email, telephone and
fax numbers, as well as demographic and customer identification, we
will maintain this information, as well as your business activities
and transactions, according to our usual strict security and
confidentiality standards.
Other information will be collected and retained during the
course of a business relationship with you. For instance, when you
email CreditSmarts, we will retain the content of the email, the email
address and our response in order to handle further questions you
have, or necessary follow-up, and to monitor how well we're
responding to customer questions and concerns.
Our Disclosure of Your Personal Information
CreditSmarts does not and will not provide or sell your personal
information to any third party for independent use. Further, we will
not disclose your personal information to external organizations
unless (1) you request or authorize it; (2) the information is
provided to help complete a transaction initiated by you; (3) the
information is provided to a reputable credit bureau or similar
information reporting agency; or (4) the disclosure otherwise is
lawfully permitted or required.
CreditSmarts is required, for example, to share information about you
and your products and services with us with parties named in a
lawsuit or administrative action when we are served with a subpoena
or court order. We also are required to share this information with
federal or state regulatory authorities, such as banking examiners
or the Internal Revenue Service, as authorized by federal or state
law.
CreditSmarts occasionally enters into joint marketing agreements
and/or promotions with third parties in order to attract new
accounts. If you apply for an account with CreditSmarts as a result of
such a promotion or offer, CreditSmarts reserves the right to confirm
with the third party that you have opened an account with us, the
type of account and date opened.
Employee Access to Your Personal Information
Because CreditSmarts takes your privacy seriously, we limit the
availability of your information to our employees. Employees may
only access your information for legitimate business purposes. Each
employee has been made aware of his or her responsibilities to
safeguard your personal information. We take appropriate
disciplinary measures to enforce employee privacy
responsibilities.
Security Procedures to Protect Information
CreditSmarts maintains a strong security standard in order to help
prevent against loss or unauthorized access to your personal
information. Our website addresses our Security policy in greater
detail.
Maintenance of Accurate Information
We have procedures to help assure that your information is accurate,
current, and complete in accordance with commercial standards. We
also have procedures to respond to your requests to correct inaccurate
information in a timely manner.
We make every attempt to keep customer files complete, up-to-date,
and accurate. We encourage our customers to contact us immediately
to correct any outdated or incorrect information. In addition, customers
may contact us with questions about their records in writing at:
AutoWebExperts
C/O CreditSmarts.com
231 E. Alessandro Blvd. #488a
Riverside, CA 92508
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