Academy Credit Privacy Policy
Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on our homepage and at every point where personally identifiable information may be requested.
The Information We Collect
This notice applies to all information collected or submitted on the Academy Credit website. On some pages, you can request a free credit analysis or signup for our services. The types of personal information collected at these pages are:
Name
Address
Email address
Phone number
On some pages, you can submit information about other people. For example, if you want to refer a friend to our service you will need to submit the person's email address. In this circumstance, the types of personal information collected are:
Name
Friend's name
Friend's email address
On some pages you can signup for our credit help service. The types of personal information collected at these pages are
Name
Address
Email address
Phone number
Credit card/bank draft information
Billing address
Social security number
Date of birth
The Way We Use Information
We may disclose all of the nonpublic personal information described above, as permitted by law. For example, we may use affiliates or vendors to perform services for us, such as providing customer assistance, processing your payments, working on your case and maintaining or developing software. We also may disclose information in response to requests from law enforcement agencies or state and federal regulators.
We may disclose information to third parties about you:
(i) In order to comply with government agency or court orders, or
(ii) To our agents, auditors and collection attorneys; or
(iii) As permitted under applicable state and Federal privacy laws; or
(iv) If you give us your written permission.
We may disclose all of the nonpublic personal information described above to companies that perform marketing services on our behalf including financial companies such as banks and insurance companies; non-financial companies, such as direct marketers and mail houses; and others, such as membership organizations and others with whom we or the Issuer have joint marketing agreements.
We may enter into arrangements with non-affiliated parties to provide you with special offers. We may disclose all of the nonpublic personal information described above to these parties who may want to offer their products and services to you, unless you opt-out as described below.
We use the information you provide about someone else when referring a friend only to send them an email notifying them of your request to inform them about our service. We do not share this information with outside parties except to the extent necessary to complete that order.
We use non-identifying and aggregate information to better design our website and to share with advertisers. For example, we may tell an advertiser that X number of individuals visited a certain area on our website, or that Y number of men and Z number of women filled out our registration form, but we would not disclose anything that could be used to identify those individuals.
If you prefer that we not share nonpublic personal information about you with nonaffiliated parties as described above, you may opt-out at any time by requesting us not to make those disclosures by filling out the opt-out form at www.academycredit.com/opt_out.cfm. Your "opt-out" designation does not apply to disclosures permitted by law, disclosures for Joint Marketing and Servicing described above, or disclosures to which you have consented. Once your request has been processed, it will remain in effect until you request a change.
Our Commitment To Data Security
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.
Our Commitment To Children's Privacy
Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our website from those we actually know are under 13, and no part of our website is structured to attract anyone under 13.
How You Can Access Or Correct Your Information
You can access all your personally identifiable information that we collect online and maintain by calling us at 1-800-857-5268 or sending us an email at info@academycredit.com We use this procedure to better safeguard your information.
You can correct factual errors in your personally identifiable information by sending us a request that credibly shows error.
To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections.
How To Contact Us
Should you have other questions or concerns about these privacy policies, please call us at 1-800-857-5268 or send us an email at info@academycredit.com
Effective as of/updated on 12/9/2006
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