PRIVACY POLICY

This privacy policy is intended to inform you about the types of information gathered by InfoPay (“we” or “us”) when you visit CreditScoreDirect.com, and how we use, share, and safeguard that information.

Information Collection and Use

When you visit CreditScoreDirect.com, we will not collect any personally identifiable information about you unless you choose to provide such information to us.

If you choose to register with CreditScoreDirect.com, we will ask you to provide certain personally identifiable information such as your name, email address, mailing address, zip code, telephone number, credit card or checking account number, and credit card expiration date. You will also be asked to provide credit card or other payment information and a billing address if you choose to purchase a product or service available at CreditScoreDirect.com. We use this information as required to provide you with the services you have requested.

All personally identifiable information we collect is stored in a single, secure database, accessible only by InfoPay and its data vendors

Information we collect is generally used for the following purposes:

  1. To build features that will make our services easier to use, such as providing for faster search requests, better member support, and timely notice of new services and special offers.
  2. To improve our marketing and promotional efforts, to analyze site usage, improve our content and product offerings, and customize our sites content, layout, and services.
  3. To resolve disputes, troubleshoot problems and enforce our Terms of Use, and to identify problems or resolve disputes. In particular, we may examine your information to identify members using multiple member identifications or aliases.

Notifications, Mailing Lists, & Opt-Out

If you choose to register to use CreditScoreDirect.com, we will send you a welcome email including information about the website and your registration information.

We may send you emails notifying you about new or upcoming products or services, news about InfoPay websites and services, information about changing or updating your registration information, changes to terms of service, and promotional materials and offers from our company as well as from our subsidiaries, affiliates, marketing partners, advertisers and other third parties.

Out of respect for your privacy, if you no longer wish to receive these emails, you may opt-out of receiving them by following the instructions included in each email, or by emailing us at support@creditscoredirect.com.

Log Files

We automatically and through third-party tracking services (e.g., Google Analytics) gather certain non-personally identifiable information about your use of our website and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamps, and related data. We use this information, which does not identify individual users, solely to analyze trends, track users’ movements around the website, gather demographic information about our user base as a whole, and to improve the quality of the website. Out of respect for your privacy, we do not link this automatically-collected data to personally identifiable information.

Cookies

A cookie is a short line of text that is created by a website and stored in a file on your computer. Cookies are used to store information about your preferences and activity during and after your visit to a web site. Cookies are also used widely in electronic commerce programs to keep track of which items a user has selected for purchase. Cookies cannot gather any information from your computer other than which you provide directly or that which is provided routinely by your browser software. You have the right and ability to configure your browser to refuse or delete cookies. However, such refusal or deletion may prevent you from properly using the CreditScoreDirect.com’s cookie-dependent features.

Information Sharing

We employ encryption and other security measures to protect the loss, misuse, and alteration of the information under our control. Whenever you provide us or our partners with sensitive or confidential information, we or our partners will take commercially reasonable steps to protect such information by establishing a secure connection with your web browser, such as employing a security technology known as a secure-socket-layer (“SSL”) to protect the transmission of such information.

Your personally identifiable information is also protected offline in our offices. Only InfoPay employees who require this information to perform a specific function (for example, a billing clerk or member services representative) are granted access to this information. Furthermore, all employees are kept up-to-date on our security practices and changes in those practices. Finally, the servers on which personally identifiable information is stored are kept in a secure environment.

However, please be advised that while we make every effort to ensure the integrity and security of our network and systems, we cannot guarantee that our security measures will prevent unauthorized access, hacking, data loss, or other breaches from ever occurring. You transmit information to us at your own risk. Every registered user of CreditScoreDirect.com is responsible for (i) keeping his or her account password confidential and secured, (ii) restricting access to his or her computer; and (iii) keeping the e-mail address associated with that account current.

If you have any questions about our information security practices, please email us at support@creditscoredirect.com.

Information Disclosure

Legal Disclaimer

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 to comply with a judicial proceeding, court order, or legal process served on us.

Business Transitions

In the event InfoPay goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, any personally identifiable information we have on record will likely be among the assets transferred. The transferred personally identifiable information will remain subject to the provisions of this privacy policy or any subsequent updated versions.

Children

This website is intended for adult or adult supervised use. We support and comply with the Children’s Online Protection Act (COPPA). We do not knowingly collect information from children under the age of 13, nor do we share such information with third parties. UNDER NO CIRCUMSTANCES ARE PERSONS 13 YEARS OF AGE OR YOUNGER PERMITTED TO SUBMIT CONTACT, DEMOGRAPHIC OR BILLING INFORMATION. Children under the age of 18 may use this website only with the approval and involvement of a parent or guardian.

Third Party Websites

The CreditScoreDirect.com website may contain links to third-party websites, which may have privacy policies that differ from our own. We are not responsible for the activities and practices that take place on these sites. Accordingly, we recommend that you review the privacy policy posted on any site that you may access through CreditScoreDirect.com.

Changes to Privacy Policy

We may periodically update this policy, and will post a notice of such updates on CreditScoreDirect.com. We will attempt to notify you of material updates by sending a an email to the address you may have provided to us.

Contact Us

If you have any concerns about this policy, or any of our products or services, please contact us at support@creditscoredirect.com.

Effective Date: April 16, 2010