Last Updated: 1/1/2018
Third-Party Sites Not Covered by This Policy
What Types of Information Does CompetitiveCredit.com Collect About Me?
The primary reason we collect information about you is to provide products and services that you have requested. We may collect information about you such as your name, mailing address, email address, phone number, Social Security Number, date of birth, Driver’s License number, and financial account or other payment information (“Personal Information”). We may also collect information to confirm your identity such as mother’s maiden name or other “out of wallet information” known by you. We also collect information such as demographic data and data about your activity on our website (“Non-Personal Information”).
Other Sources of Information
We may also collect information about you from third parties. Such information may include, without limitation, information to supplement or confirm the information you’ve provided and other demographic information about you. CompetitiveCredit.com does not obtain a credit bureau report on you unless you give us express permission to do so.
How Does CompetitiveCredit.com Collect Information From Me?
We may collect information from you when you enter your information or use our services or visit our website. The information we collect from you may vary depending on the product or service you are seeking. We may also collect information from you in connection with a job application or when you otherwise contact us.
Information Collection Technologies
Browser Cookies. Browser cookies are pieces of data stored on your computer that allow us, and the third-parties whose tags or other technologies are on our site, to identify your browser software the next time you visit our website, and to provide us with information about pages viewed and how you navigated to our site (e.g., web search or link). Cookies may be used for website functionality, security, marketing, analytics, and ad operations. Cookies from third parties, such as entities involved in Online Behavioral Advertising, allow the entity to whom they belong to recognize your browser when you visit other websites where those parties have a footprint. Cookies can be removed or blocked by most major web browsers by using built-in tools or options.
Log Files. Like most standard website servers, we use log files to collect non-personally identifiable information. This information includes, among other things, Internet Protocol (IP) addresses, browser type, device information, Internet Service Provider (ISP), referring/exit pages, operating system, date/time stamp and number of clicks. We may also collect information about your browser and device, such as installed fonts, screen size, and screen resolution, which, together with other information, may uniquely distinguish your browser software or device from others.
Flash Cookies. “Flash” cookies, also known as “local shared objects,” are small pieces of data stored on your computer that can serve the same or similar purposes as browser cookies (as well as some additional purposes relating to the functioning of Adobe Flash technology which is used to serve rich content such as videos and animation). “Flash” cookies, however, are not associated with browser software, but rather with Adobe software, such as Flash Player. “Flash” cookies can be removed by consulting guidance on the Adobe website, at adobe.com.
Web Beacons. We may use web beacons in the form of extremely small “.gif” files, which are electronic images that allow for the collection of information about your interactions on our sites. Web beacons may be used, for example, to place advertisements, to understand website traffic patterns and the number of visitors to our website, and to measure the effectiveness of advertisements or our website.
Social Network and Other Widgets Our website may include social network or other third-party plug-ins and widgets that may provide information to their associated social networks or third-parties about the page you visit, even if you do not click on or otherwise interact with the plug-in or widget and regardless of whether you have an account or other relationship with these social networks and third-parties. Information is transmitted from your browser and may include an identifier assigned by the social network or third party, information about your browser type, operating system, device type, IP address and the URL of the web page where the plug-in or widget appears. If you use social network tools or visit social networking sites, you should read their privacy disclosures, to learn what information they collect, use, and share.
How Does CompetitiveCredit.com Use My Information?
We may use your information to:
Provide the services you request;
Bill you for services
Provide you with additional products and services, such as our Newsletter
Communicate with you about products or services that may be of interest to you
Provide you with customer support
Research and analyze your use or interest in our products and services
Develop and display content and services tailored to your interests
Improve our website, products and services
Measure the effectiveness of our advertising, content, and other activities
Consider a submitted job application.
Online Behavioral Advertising
We may use “interest-based” ads also known as “online behavioral advertising” to advertise our products and services on sites and mobile apps not affiliated with us. Online behavioral advertising is advertising that is directed to you on your computer or other devices based, at least in part, on your Internet browsing behavior across the Web and over time. We do not share Personal Information with the third parties that conduct advertising operations on our behalf; however, some of our advertising partners may collect and use certain information about your activities on our sites or other sites, over time, to help determine which of our advertisements or offers may be of interest to you. This is called interest-based advertising. The information these parties collect may include the name (URL) of the pages you view while on our site, search key words entered, your IP address, time of visit, information about your browser software, information about your device, and unique identifiers stored in cookies, which they use to target and serve advertising.
CompetitiveCredit.com adheres to guidelines for interest-based advertising established by the Digital Advertising Alliance (DAA). You can still make decisions about your privacy and the ads you receive. If you prefer not to receive interest-based advertising, you may opt out of online behavioral advertising by visiting the DAA web page and using the DAA’s opt-out: http://www.aboutads.info/choices/. The DAA opt-out requires that cookies not be blocked in your browser. You can also elect to block all cookies by using the cookie blocking options built into your browser software.
Opting out also means that the online content and advertising you receive on our non-servicing sites (i.e. before sign-in) will be untailored and will not be based on your online behavior. You can opt out at http://www.aboutads.info/choices/.
Please note that if you opt out of interest-based advertising, you may still receive advertising from us. When accessing online account servicing areas (i.e., after sign-in), you may receive tailored content and advertising based on your account relationship with us. In addition, we may continue to use information collected online as described in this Policy to provide details on products and services and other information.
“Do-Not-Track” is a public-private initiative, http://www.w3.org/2011/tracking-protection/, that has developed a technical “flag” or signal that users may be able to activate within their browser software to notify websites that they do not wish to be tracked by third parties as defined by the initiative. The initiative, however, has not reached a consensus as to exactly what technical or other actions those parties receiving the signal should take. As a result, Do-Not-Track is not yet standardized within the online community and CompetitiveCredit.com does not change the way it interacts with you when it receives the signal. However, if you wish to opt-out of interest-based advertising, please see the foregoing section..
Does CompetitiveCredit.com Share My Information With Third-Parties?
We may share your information with trusted service providers and business partners that perform services on our behalf in connection with your request for products and services. These third parties include, without limitation, consumer reporting agencies, marketing and customer services firms, or entities that provide business analysis or website support. These third parties may have access to your Personal Information and Non-Personal Information, as such information may be needed to perform their functions and to provide you products and services offered here.
Other Situations. We may disclose your information at our sole discretion in the following limited situations:
In response to a subpoena, court order, or request from law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we may raise or waive any legal objection or right available to us.
When we believe disclosure is necessary to investigate, prevent or take other action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property or safety of our company, our websites, our users, our employees or others; or to enforce our Terms of Service or other agreements or policies.
In connection with a corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, asset sale, or bankruptcy.
What Are My Choices?
You can choose not to provide us with certain information, but that may result in the inability to use certain features of our websites or receive certain products or services.
You may opt out of receiving email marketing communications from CompetitiveCredit.com by following the instructions at the bottom of the email or by contacting us at support@CompetitiveCredit.com.
How May I Update, Access and Delete My Personal Information?
You may have the ability to view or edit some of your Personal Information online. If you have submitted a loan request with us, you can update your Personal Information by contacting us at support@CompetitiveCredit.com.
In order to comply with legal requirements, we may be unable to delete your information from our database until the expiration of the applicable period.
How Does CompetitiveCredit.com Protect My Information?
We take appropriate security measures to help safeguard your Personal Information from unauthorized access and disclosure. Although we take these measures, we do not guarantee that your information will always remain secure.
Special Notice to California Residents
CompetitiveCredit.com may not share personal information about you with other companies, whether affiliated or not, except in the limited circumstances permitted under state law, or if you give us your permission
You have the right to request information from us regarding the manner in which we share certain categories of information with third parties for their direct marketing purposes. California law gives you the right to request from us the following information: (i) categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year; (ii) names and addresses of the third parties that received that information; and (iii) if the nature of the third party’s business cannot be determined from their name, examples of the products or services marketed.
To make such a request, please contact us at support@CompetitiveCredit.com.
Special Notice to Vermont Residents
We will not share any information about you with other companies to the extent prohibited by applicable Vermont law or to the extent your prior consent to share is required by applicable Vermont law.
Special Notice to North Dakota Residents
We will only share information about you with our service providers and with third parties as required or permitted by law, or if you give us your permission.
A Special Note Regarding Children
The information and services provided by CompetitiveCredit.com are not intended or directed towards individuals under the age of 18. We do not knowingly collect or use any information about children whatsoever.
Visiting CompetitiveCredit.com from Outside the United States
No Rights of Third Parties
How Can I Contact CompetitiveCredit.com?