Updated on May 10, 2016.
Thank you for visiting this website. This site is an ad-supported site operated by a group of financial experts. Each Site or article has adopted this privacy statement to the extent applicable. “Your Smart Credit” means a company controlling, controlled by or under common control with another company.
This privacy statement is provided by the Your Smart Credit that operates this website (“we,” “us” or “our”) to explain the ways in which we collect information from you through your use of this site and any services offered through this website and any of our applications or mobile applications (collectively, the “Service”). This privacy statement does not apply to any information you may provide to us through other means; for example, at a live event, via mail, or via telephone. Please read this privacy statement carefully so that you understand our online privacy practices. By using our Service, you agree that your use, and any dispute over our online privacy practices, is governed by this privacy statement and our visitor agreement. If you have questions regarding privacy issues, please contact us at email@example.com.
YOUR PRIVACY RIGHTS
Under the law, we are not required to provide this information as long as we: (1) notify you of that you have the right to prevent disclosure of personal information, and (2) provide you with a cost-free means to exercise that right. As noted in this Privacy Statement, we require residents to opt-in to activities where we would share their personal information with third parties for those third parties’ direct marketing purposes. If you are a resident and you would like to prevent disclosure of your personal information for use in direct marketing by a third party, do not opt-in to participate in these activities. If you are a resident, and you have opted in to one of these activities, but you later decide that you would like to prevent our disclosure of your personal information to third parties for their direct marketing purposes, please contact us.
TYPES OF INFORMATION WE COLLECT
Overview. The information we gather generally falls into one of two categories: (1) information (for example, your name and address) that you voluntarily supply when you register with our Service, initiate transactions on or through the Service (such as buying products or services through the Service), or when you participate in the features we offer through the Service (such as comments posted on a blog, discussion group, or other social networking features on the Service), and (2) information gathered on usage patterns and preferences as visitors navigate through our Service. Third party Service Providers (as defined below) that provide all or some of the services available through this Service also may be gathering the same kinds of information.
Registration Information. To make use of certain features available through this Service (such as to receive email newsletters, to post a classified ad, or to participate in some social networking features) you may need to register and to provide certain information as part of the registration process. (If permitted by this Service, you may be able to bypass some of the steps within the registration process by using your user name and password associated with your account on certain specified social networking sites when you register for our Service, but you will still have to complete the registration process after entering that information.) We or our Service Providers may also ask for information from you if you buy products or services or conduct other transactions via our Service. (We may ask, for example, for your name, email address, sex, age, zip code or credit card number, and we might request information on your interest in sports, personal finance, the performing arts, and the like.) The information you supply will help us to offer you more personalized features, to tailor our Service to your interests and make them more useful to you. In addition, our Service Providers may provide us with additional personal information about you that you provide to them through your separate accounts with them as described in their own privacy statements.
The more you tell us about yourself, the more value we can offer you. Supplying such information is entirely voluntary. But if you don’t supply the information we request, we may be unable to provide you with services we make available to other users of our Service. For instance, we can’t send you email alerting you to a new service we’re offering, or breaking news that may interest you, if you don’t tell us what you’re interested in and give us your email address.
Email Newsletters.We may also offer you the opportunity to subscribe to email newsletters that we make available through the Service. If you have opted to receive a particular newsletter, you may always unsubscribe later if you decide not to receive further mailings of the newsletter from us. See “Opting In/Opting Out” below.
Cookies.To help make our sites more responsive to the needs and interests of our visitors, we keep track of the pages visited by our users by placing a cookie, a small entry in a text file, on your hard drive. Our advertisers and Service Providers may also assign their own cookies to your browser, which is a process that we don’t control.
Web Beacons. Our Service may contain electronic images (called “single-pixel GIFs” or “web beacons”) or other tools that allow us and our Affiliates, Service Providers, vendors and, where necessary, our advertisers to count users who have visited particular pages of this Service, the CMG Network of Sites, or other sites or applications, or to access certain cookies. We may use these tools and other technologies to recognize which the links visitors click and to track how users respond to ads we place on third-party sites or applications. These features may also be included in our email newsletters so that we can learn which messages have been opened and acted upon. In combination with cookies, these web beacons allow us (and/or our Affiliates, Service Providers, vendors, or advertisers) to track the number of users who view particular pages and to fine tune the advertising messages delivered to users of this Service and other websites and applications. We may use “clickstream” data collected using web beacons and cookies to help us tailor promotional content, including such content in email messages and on landing pages, to the perceived interests of our users. Advertising networks with which we are affiliated and third-party advertising services that we use may also use web beacons on our Service to gather similar anonymous “clickstream” information, which is used to fine tune advertising messages delivered to our visitors and visitors to other websites.
Browser Level Information and IP Addresses.Our web servers automatically collect limited information about your computer configuration or your mobile device when you use our Service, including the type of browser software you use, the operating system you’re running, the resolution of your computer monitor or mobile device, the website that referred you, the type of device you’re using, and your IP address. (Your IP address is a numerical address that is used by computers and mobile devices connected to the Internet to identify your computer or mobile device so that data (such as the web pages you want to view) can be transmitted to you. We also use IP address information for systems administration and troubleshooting purposes. Your IP address alone does not tell us who you are.) We use this information to deliver our web pages to you upon request, to tailor our Service (including ads distributed through our Service) to the interests of our users, and to measure traffic within our Service.
The Google Analytics tool uses “cookies” which are text files placed on your computer, to collect standard internet log information and visitor behavior information in an anonymous form. The information generated by the cookie about your use of the website (including IP address) is transmitted to Google. This information is then used to evaluate visitors’ use of the website and to compile statistical reports on website activity. At any time, you may choose to opt-out of Google Analytics tracking with the Google Analytics opt-out browser add-on.
Information You Post.Please remember that anything you post to any message boards, discussion or comment areas, or social networking services on our Service can be seen, collected, and used by anyone who has access to that board, area, or social networking service. We cannot control how your postings may be used by third parties with such access.
Statistical Information.Much of the information we collect is in the form of aggregated statistics, such as the traffic that visits various pages within our Service, and the habits and preferences of our audience. Such aggregated information does not include any information that would identify you personally. We may use such aggregated information and disclose it to any third parties as we see fit.
Mobile Applications and Location-Based Information. Our Service may have the ability to use your geographic location to deliver content, services, and advertising tailored to your location. If you choose to enable our Service to use your location information, then that information will be stored and used to deliver content, services, and advertising tailored to your location. Also, when you use a mobile device or browser to access our Service, then your device and/or your browser may automatically collect and/or transmit your device’s unique identifier, IP address, location information, device make/model, wireless provider, and related information to us and our Service Providers. We and our Service Providers may use this information to deliver content, services, and advertising tailored to your location.
Data Collected in Connection with Ad Serving and Targeting. We use third-party Service Providers, such as ad networks, to serve advertising to you when you use our Service or use other sites or applications. These Service Providers may use information about your activities while you navigate through and use this Service and other web sites and applications (and that the Service Providers collect through cookies) to provide you with advertisements about products and services that they think may be of interest to you. The information used by these Service Providers for these purposes generally does not identify you personally (in other words, the Service Providers are not usually using your name, address, email address, or phone number for these purposes, although they may use your IP address, your geographic location, or your device’s unique identifier). You can learn more about such data collection practices, and/or opt out of any use by our Service Providers’ of cookies to tailor advertising to your interests, by visiting aboutads.info.
DISCLOSURE OF INFORMATION
Why We Collect Information From You. Like any business, it’s important for us to know our customers — their needs, their likes, what they want and expect from us. Unlike most businesses, however, we deliver a valuable product or content to our customers without asking for anything in return. Since we make most of this Service available without charge to you, we rely heavily on advertisers to produce the income necessary to operate our Service. Advertisers are like most people: They expect something in return for the money they spend. They want to know how many people will see their ad and how often our users are looking at their ads on our Service — in other words, how effective their ad is likely to be. So it’s important that we be able to tell advertisers who our audience is. Except as expressly set forth in this privacy statement, we will not provide, sell or rent to any third party any personally identifying information that we collect from you through your use of this Service.
Advertisers. Without your permission, we will not share the personally-identifying information you provide when registering on our Service with advertisers. We may, however, take the information you provide and aggregate it with data from all the other people that use this Service and associated services. Then we will use that pool of information to inform our advertisers about our audience without identifying you personally.
Service Providers. All or portions of our Service may be provided or supported by our third-party service providers (“Service Providers”), and we may share any of the information that we collect from you through our Service (e.g., anonymous information collected through cookies on your browser, information you submit to us to enter a contest, sweepstakes or promotion offered through the Service, etc.) with such Service Providers. In the event we offer services through this Service such as chat, email newsletters, email services, online classifieds and/or similar services, such services may be made available through cooperative arrangements with providers that specialize in operating such services. In some instances, our Service Providers will have the same access to your information as we do. Their use of the information will be subject to the terms of their respective privacy policies.
Contest Co-Sponsors. If you enter any contest, sweepstakes or other promotion that we make available through this Service, we may share the information you submit to us with the co-sponsor(s) of the contest, sweepstakes, or promotion. We will identify any co-sponsor(s) in the official rules for the promotion.
Sites to Which We Link. Our Service includes links to plenty of other websites, and provides access to products and services offered by third parties, whose privacy policies we don’t control. When you access another site or purchase products or services or conduct other transactions through their sites, use of any information you provide is governed by the privacy statement of the operator of the site you’re visiting or the provider of such products or services.
Other Disclosures.We reserve the right to release information about users of our Service when release is necessary or appropriate to comply with law, to enforce this privacy statement or our visitor agreement, or to protect the rights, property or safety of users of our Service, the public, our customers, or our company and its employees, agents, partners and Affiliates. As our business grows, we may buy or sell various assets. In the unlikely event that we merge with another entity or otherwise transfer substantially all of our assets to another entity (including, without limitation, to one of our Affiliates as part of an internal reorganization), information collected from this Service would be among the transferred assets.
OPTING IN/OPTING OUT
In certain places on this Service (for example, when registering as a user of this Service, managing your account, shopping, or participating in activities like promotional contests), we may ask you to consent to the sharing of your information with third parties with which we have business relationships. If you provide such consent (for example, by checking a box or by some other means), we will make your information available to such third parties as described in the consent form so that they, we, or both may contact you directly regarding special offers, promotions, products or services that may be of interest to you.
If you register with this Service, you will have the opportunity to review or update the information you have provided us at any time. You also have the option of deleting all information except for your email address. If you would like to completely deactivate your account, please contact us. Please note, however, that if you deactivate your account, you will not receive any newsletters from us and you will not be able to participate in any of our sweepstakes or contests. Also, even if you deactivate your account, you still need to go through a separate process to unsubscribe. You can unsubscribe from these alerts by using the “STOP” function within those messages. You agree that, subject to applicable law, we may use your information to contact you for customer service, to inform you of important changes or additions to our Service or the services offered over our Service and to send you administrative notices or any communications relevant to your use of our Service.
If you have subscribed to one of our email newsletters, you will always have the opportunity to unsubscribe from future mailings (for example, by clicking on an unsubscribe link in an email newsletter or by modifying your account settings on our Service).
If you have submitted your information on a page provided in conjunction with one of our Service Providers, the information you submit may be jointly maintained by us and the Service Provider. If you decide to opt out of our Service, you may also need to contact the Service Provider separately to request the Service Provider to remove your information from its database.
All information gathered through our Service is stored within database(s) operated by us or by a Service Provider on our behalf. We and/or our Service Providers secure the personally identifying information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. We cannot guarantee the security of our database, nor can we guarantee that information you supply won’t be intercepted while being transmitted to us over the Internet.
A NOTE ABOUT CHILDREN’S PRIVACY
This Service is not directed at children under the age of 13, and we won’t knowingly allow anyone under age 13 to register with our Service or to provide any other personally identifying information. If you’re under 13, please do not provide us with any personally identifying information about yourself (such as your name, your email address or your phone number). If we become aware that we have collected any personally identifying information from a user under the age of 13, we will remove such information from our records as soon as possible.
CHANGES TO THIS PRIVACY STATEMENT
We may change the terms of this privacy statement or introduce new terms and conditions from time to time, in which case we will post an updated version of this privacy statement on this Service and will update the “Last Updated” date above to reflect the date the changes take effect. By continuing to use this Service after we post any such changes, you accept this privacy statement, as modified.