GoodLifeCredit (hereafter “Company”) is committed to respecting the privacy of our users. This Privacy Statement sets forth the online data collection and usage policies and practices that apply to our Web site. Please take time to read through this policy to know how your information will be used, and to know what we are doing to protect it.
Your data will be stored and processed in whole or in part in the United States. If you access an GoodLifeCredit Web site outside the United States, your usage of that site constitutes consent to the transfer of your data out of your country and to the United States.
Our site may contain links to other Web sites over which we have no control. Company is not responsible for the privacy policies or practices of other Web sites to which you choose to link from the GoodLifeCredit Web site. We encourage you to review the privacy policies of those other Web sites so you can understand how they collect, use and share your information. This Privacy Statement applies solely to the information we collect on an GoodLifeCredit Web site, and does not apply to information we collect in any other fashion.
Company is in compliance with generally accepted privacy principles and builds users’ trust and confidence in the Internet by promoting the principles of disclosure and informed consent.
Collection and Retention of Information
In some areas of our Web site, Company requests or may request that you provide personal information, including your name, address, e-mail address, telephone number credit card number, social security number, contact information, billing information and any other information from which your identity is discernible. In other areas, Company collects or may collect demographic information that is not unique to you such as your ZIP code, age, preferences, gender, interests and favorites. Sometimes we collect or may collect a combination of the two types of information.
We also gather or may gather certain information about your use of our site, such as what areas you visit and what services you access. Moreover, there is information about your computer hardware and software that is or may be collected by Company. This information can include without limitation your IP address, browser type, domain names, access times and referring Web site addresses.
Company may sometimes afford you the opportunity to provide descriptive, cultural, behavioral, preferential and/or life style information about yourself, but it is solely up to you whether you furnish such information. If you do provide such information, you are thereby consenting to the use of that information in accordance with the policies and practices described in this Statement. For example, such information may be used for the purpose of determining your potential interest in receiving email or other communications about particular products or services.
Since we believe that managing your credit is a life-long process, we retain indefinitely all the information we gather about you in an effort to make your repeat use with us more efficient, practical, and relevant. Of course, you can correct or update your Company account profile at any time. Moreover, you can close your Company account at any time, in which event we will remove all our copies of your Company account profile information except for an archival copy that is not accessible on the Internet.
Use of Information by Company
We use the information we gather on an GoodLifeCredit Web site, whether personal, demographic, collective or technical, for the purpose of operating and improving the GoodLifeCredit Web site, fostering a positive user experience, and delivering the products and services that we offer.
We may also use the information we gather to inform you of other products or services available from Company or its affiliated companies or to contact you about your opinion of current products and services or potential new products and services that may be offered. (The term “affiliated companies” is defined in the section of this Statement entitled “Contact Information.”)
We may use your contact information in order to send you e-mail or other communications regarding updates at the GoodLifeCredit site, and additional information that may be of interest to you. The nature and frequency of these messages will vary depending upon the information we have about you. In addition, at the time of registration for GoodLifeCredit, you have the option to elect to receive additional communications, information and promotions including without limitation free informational newsletters from GoodLifeCredit relating to topics that may be of special interest to you, such as credit management advice.
We have an area where you can submit feedback. Any feedback you submit in this area becomes our property, and we can use such feedback (such as success stories) for marketing purposes or contact you for further information.
Disclosure of Information to Others
We do not disclose to third parties your personal information, combined personal and demographic information or information about your use of GoodLifeCredit. (such as the areas you visit or the services you access), except as set forth in the following four subparagraphs.
We may disclose such information to third parties if you consent to such disclosure. For example, if you indicate that you would like to receive information about the products or services of third parties at the time you register for a GoodLifeCredit account, we may supply your contact information to third parties such as employers, recruiters, data aggregators, marketers or others for the purpose of sending you e-mail or otherwise communicating with you. We may use data we have about you (such as the interests and preferences you have expressed) to determine whether you might be interested in the products or services of a particular third-party.
We may disclose such information to companies and individuals we employ to perform functions on our behalf. Examples may include hosting our Web servers, analyzing data, providing marketing assistance, processing credit card payments, and providing customer service. These companies and individuals will have access to your personal information as necessary to perform their functions, but they may not share that information with any other third party.
We may disclose such information if legally required to do so, if requested to do so by a governmental entity or if we believe in good faith that such action is necessary to: (a) conform to legal requirements or comply with legal process; (b) protect the rights or property of GoodLifeCredit or its affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public.
We may disclose and transfer such information to a third party who acquires all or a substantial portion of GoodLifeCredit’ business, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets. In addition, in the event GoodLifeCredit becomes the subject of a bankruptcy proceeding, whether voluntary or involuntary, Company or its trustee in bankruptcy may sell, license or otherwise dispose of such information in a transaction approved by the bankruptcy court.
Company may also share aggregated anonymous information about visitors with its clients, partners and other third parties so that they may understand the kinds of visitors to GoodLifeCredit’ site and how those visitors use the site.
Company may use “cookies” to help personalize and maximize your online experience and time online. A cookie is a text file that is placed on your hard drive by a Web page server. Cookies are not used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to your computer, and can only be read by a Web server in the domain that issued the cookie to you.
You may have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline all cookies if you prefer. Alternatively, you may be able to modify your browser setting to notify you each time a cookie is tendered and permit you to accept or decline cookies on an individual basis. If you choose to decline cookies, however, that may hinder performance and negatively impact your experience on the GoodLifeCredit Web site.
Use of Web Beacons
GoodLifeCredit Web pages may contain electronic images known as Web beacons (sometimes called single-pixel gifs) that allow us to count users who have visited those pages and to deliver co-branded services. Web beacons are not used to access your personally identifiable information on GoodLifeCredit; they are a technique we use to compile aggregated statistics about our Web site usage.
Web beacons collect only a limited set of information including a cookie number, time and date of a page view, and a description of the page on which the Web beacon resides.
Updating Your Information
You may review, correct, update or change your GoodLifeCredit account profile information at any time.
If you opted to receive newsletters, commercial e-mails or other communications from GoodLifeCredit or third parties at the time you registered with GoodLifeCredit, but subsequently change your mind, you may opt-out by editing your Account Profile as described above. If you previously opted not to receive such communications, you may later opt-in by editing your Account Profile. .
GoodLifeCredit has implemented reasonable technical and organizational measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration or disclosure. However, we cannot guarantee that unauthorized third parties will never be able to defeat those measures or use your personal information for improper purposes.
When you place an order online at GoodLifeCredit, your information is protected through the use of encryption, such as the Secure Socket Layer (“SSL”) protocol. SSL makes it difficult for your credit card information to be intercepted or stolen while being transmitted.
GoodLifeCredit is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18.
Changes to Privacy Statement
If we decide to change our Privacy Statement for GoodLifeCredit, we will post those changes here so that you will always know what information we gather, how we might use that information, and to whom we will disclose it. If at any time, you have questions or concerns about GoodLifeCredit’ Privacy Statement, please feel free to email us at info@FBCreditLaw.com