DrCredit.com is committed to advising you of the right to your privacy. This policy informs you of how we collect information from you, how we store that information and who we send that information to.
By registering on our website and requesting that we send your registration information to a lender or provider of lenders, you explicitly accept, without limitation or qualification, the collection, use and transfer of your registration information which is personally identifiable information [PII] as described in this policy. Please read this policy carefully as it affects your rights and liabilities under the law. If you disagree or do not accept how we collect and process your PII, please do not use this website and do not register any PII on this website.
1. INFORMATION WE COLLECT AND RETAIN
We collect the following types of information about you when you register on our website:
Personally identifiable information [PII]: is information that can be used to identify you. We do not collect PII except during the registration process or when you choose to provide it to us. Some examples of PII that we collect during the registration process includes (i) your name; (ii) your physical address; (iii) your email address; (iv) Your telephone number; and (v) your bank account information.
Demographic information: is information that may or may not be unique to you in the sense that it refers to selected population characteristics. This includes information such as you zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, industry of employment, personal and online interests.
Behavioral information: is information pertaining to how you use our website; the areas of our website that you visit; your computer hardware and software; your IP address, your location, your browser preference and operating system; the times that you access the internet and other websites that referred you to us. This information is used to analyze our resources, troubleshoot problems, prevent fraud, and improving our website.
No Information Collected from Children: We never knowingly collect any Personal Information about children under the age of 13. If we obtain actual knowledge that we have collected Personally Identifiable Information about a child under the age of 13, that information will be immediately deleted from our database. Because we do not collect such information, we have no information regarding its use or disclose to third parties.
Bank Account Information Security: When you send your bank account information our technology encrypts it with SSL encryption software. When we send the bank account information to a lender or provider the bank account information is disclosed only to complete the requested for a referral you made on our website.
Removing Cookies: You have the ability to accept, decline or remove cookies at any time by modifying your browser settings. Please see http://cookiecentral.com.
Web Beacons: We also use electronic images known as web beacons (sometimes called single-pixel gifs, clear gifs or action tags) that allow us to collect certain information about your visit to our website (including the number of users who have visited those pages). This measures and improves the effectiveness of our website. Web beacons are not used to collect your PII. Web beacons collect only a limited set of information including a cookie number, time and date of page view and a description of the page on which page the Web Beacon resides. This information may be shared with one or more third parties so that they can understand the types of visitors to our website; how those visitors use our website; and the effectiveness of advertisements.
Disabling Web Beacons: Because web beacons are the same as any other content request, you cannot opt out or refuse them. However, they can be rendered ineffective by either opting out of cookies or changing the cookie setup in your browser.
IP Addresses: Your Internet Protocol (“IP”) is a unique Internet “address” which is assigned to you by your Internet Service Provider (“ISP”). For local area network (“LAN”), DSL, or cable modem users, an IP address may be permanently assigned to a particular computer. IP addresses are automatically logged by web servers and collect information about a your use of the internet. While the IP address does not identify an individual by name, it may, with the cooperation of the ISP, be used to locate and identify an individual using the web. Your IP address can reveal what geographic area you are connecting from and which ISP you are using. We automatically track certain information based upon your actions on our website. We may use this information to do internal research on our users’ demographics, interests, and behavior to better understand, protect and serve you. This information may include the URL that you just came from and which URL you next go to after visiting our website, your computer browser information in addition to your IP address.
3. HOW WE USE THE INFORMATION COLLECTED
Providing Services: We use the information we gather on our website for the purposes of providing the services you have requested. This includes passing your information on to a lender or provider of lenders with whom we have a contract to provide you’re the service you have requested. We do not control the privacy practices of the Lender or Provider of Lendrs. If you have any questions or wish to remove your information from their database, you will need to contact them directly.
Improving our Website: We also use the information we gather on our website to respond to your questions; operate and improve our website, and deliver the services you requested from our website. Our services may include the display of personalized products, content, and advertising relating to your experience and interests. The information we gather on our website may be shared with other companies.
4. DISCLOSURE OF INFORMATION TO OTHERS
We disclose to third parties throughout the world your personal information, combined personal, demographic, behavioral or indirect information, as set forth below:
Service Delivery and Vendors: We share your information with third parties who help us delivery the services you have requested including participating lenders and provider of lenders. We disclose your information to companies and individuals we employ to perform technical functions on our behalf. Examples include companies who host our website, analyze our data, provide marketing assistance and provide customer service. These companies and individuals may not share that information with any other third party or use that data for any other purpose.
Third Party Products and Services: We may disclose your registration, but not your banking information, to third parties to provide you with information about the opportunities, products or services of third parties. We use the data and data logs we have about you, including interests and preferences you have expressed, to determine whether you might be interested in the opportunities, products or services of a particular third party. This type of marketing may be in the form of email offers or mobile offers sent to by third parties or telemarketing calls from third parties.
Anonymous information: We may also share aggregated anonymous information about you and other persons using our website with third parties so that they can understand the kinds of visitors to our website and how those visitors use our website. This includes demographic information and behavioral information.
Legal Process: We disclose information if legally required to do so, or at our discretion pursuant to a request from 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 our rights or property or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public.
Acquisition or Merger: We may disclose and transfer information to a third party who acquires any or all of our 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 we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of such information in a transaction approved by the court.
5. THIRD PARTY USE OF YOUR INFORMATION
Third parties also collect and use information about you on our Site in the following way:
Advertiser cookies and web beacons: Advertising agencies, advertising networks, and other companies who place advertisements on our website and on the internet generally may use their own cookies, web beacons, and other technology to collect information about you. We do not control the collection techniques of such third parties and have no responsibility for the use of such technology to gather information about you.
Hyperlinks: Our website and email messages contain hypertext links to the websites of third parties. We are not responsible for the privacy practices or the content of such other websites. Such links are provided for your convenience and reference only. We do not operate or control any information, software, products or services available on such third party websites. The inclusion of a link to a website does not imply any endorsement of the services or the third parties website, its contents, or its sponsoring organization.
6. USE OF YOUR INFORMATION FOR EMAIL AND TELEMARKETING
Email and Unsubscribe Policy: We may provide your personal information to third parties for promotional offers by email. These offers may be for our services and products or those of third parties. We may maintain separate email lists for different purposes. If you wish to end your inclusion in a particular list, you need only to follow the instructions at the end of each email message to unsubscribe from the particular list. To unsubscribe from all of our email lists, please send us an email requesting the same to . We are not responsible for third party emails sent to you.
Opting Out of Email Marketing Material: If you do not wish to receive our or any third party promotions, you may opt-out by following the instructions included in each email you may receive or by emailing us at .
Telemarketing: We may use your registration information to advertise, directly or indirectly, to you using telemarketing companies even if you have your telephone number or cell phone number listed on a state or federal do not call registry. By registering and using our website, you agree that such registration and request constitutes a purchase, an inquiry and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (the “ATSR”). Notwithstanding that your telephone number may be listed on the Federal Trade Commission’s Do-Not-Call List, you have authorized us to contact you via telemarketing in accordance with the ATSR. Moreover, by registering with, or requesting information from, a third-party advertiser at or through our website or other advertisement media made available by us (e.g., email marketing), you agree that such action shall constitute a purchase, an inquiry and/or an application with the respective third-party advertiser for purposes of the ATSR and you may be contacted via email, direct mail and/or telemarketing by such third-party advertiser in accordance with the ATSR.
Wireless Addresses: If the e-mail address you provide to us is a wireless e-mail address, you agree to receive messages at such address from us or third parties with whom we may share your wireless email address or wireless telephone number (unless and until you have elected not to receive such messages by following the instructions in the removal portion of this policy). You understand that your wireless carrier’s standard rates apply to these messages. You represent that you are the owner or authorized user of the wireless device on which messages will be received, and that you are authorized to approve the applicable charges.
You acknowledge and agree that the SMS Service is provided via wireless systems which use radios (and other means) to transmit communications over complex networks. We do not guarantee that your use of the SMS Service will be private or secure, and we are not liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures best suited for your situation and intended use of the SMS Service. We may also access the content of your account and wireless account with your carrier for the purpose of identifying and resolving technical problems and service-related complaints.
Removal of Wireless or SMS addresses: You may remove your information from our database. If you remove your information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you. You may remove your information by sending your request in writing via email to or by sending “STOP”, “END”, “QUIT” to the SMS text message you have received.
We endeavor to safeguard and protect your information. When you submit information at the website, such information is protected both online and offline. The servers in which we store your registration information [PII] are kept in a secure physical environment. We have security measures in place to protect against the loss, misuse, and alteration of personal information under our control. Currently, we use Secure Socket Layer Software (“SSL”) to protect data and to secure any transactions. SSL encrypts information, including bank account information, names and addresses as they are transmitted over the Internet. Please be advised that, although we take commercially reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure. Therefore, We cannot and do not warrant that your information will be absolutely secure. Any transmission of data at or through this site is at your own risk. However, access to your information is strictly limited, and not accessible to the public.
CHANGES TO PRIVACY STATEMENT
We reserve the right to make material changes to the substance of this Privacy Statement. We will post those changes through a prominent notice on the web site so that you will always know what information we gather, how we might use that information, and to whom we will disclose it.
8. YOUR CALIFORNIA RIGHTS
A California resident who has provided personal information to a business with whom he/she has established a business relationship for personal, family, or household purposes (“California customer”) is entitled to request information about whether the business has disclosed personal information to any third parties for the third parties’ direct marketing purposes. As stated in this policy, you have agreed to allow us to share information with third parties for their direct marketing purposes until you remove your information and thus, agreement for such disclosure. California customers may request further information about our compliance with this law by e-mailing . Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through this e-mail address.