Effective Date: 2/22/08
NOTICE: PRIVACY POLICY UPDATED, February 22, 2008
PRIVACY POLICY
Thank you for visiting the Even With Bad Credit website located at www.evenwithbadcredit.com
website website (the "Website," "we," "our," or "us""). The Website is
a business division of, and operates as a separate line of business
within, Impulse Marketing Group, LLC ("IMG"). We respect the privacy of
the personally identifiable information of the users of this Website
(“you†or “yourâ€). We provide this notice explaining our online
information practices and the choices available to you concerning the
way that we use the information collected online at this Website.
Information We Collect
Personally Identifiable Information
The types of personally identifiable information that we collect at
this Website, during registration and when you make a purchase include,
without limitation, your name, street address, e-mail address,
telephone number, date of birth, social security number and credit card
information. In addition, we may request information about your use of,
or interest in, the types of products and services offered by the
third-party advertisers with whom we have partnered to offer you the
products and services available at this Website and at other websites.
We collect your personally identifiable information when you sign up to
receive products and/or services at the Website or otherwise provide
such information, such as when you otherwise agree to the terms of this
Privacy Policy at this Website, but do not complete the full
registration process.
How We Use Your Information
WE MAY USE INFORMATION THAT WE HAVE COLLECTED FOR ANY
LEGALLY PERMISSIBLE PURPOSE, INCLUDING SELLING OR TRANSFERRING
INFORMATION AT ANY TIME TO THIRD PARTIES, INCLUDING INTERNET MARKETING
COMPANIES, FOR ANY LEGALLY PERMISSIBLE PURPOSE. By submitting that
information to us, you affirmatively and expressly authorize and
consent to and grant to us and any affiliate or other third parties the
right to use your personal information for any legal purpose including,
without limitation: a) effectuating a purchase from us that you make at
the Website; b) transferring your personal information to a third party
to effectuate a purchase from a third party advertiser at the Website;
c) marketing purposes such as sharing your information with affiliated
and non-affiliated (i) financial service providers, such as mortgage
lenders or brokers, insurance companies and title companies or (ii)
non-financial companies such as third party advertisers, retailer or
direct marketers; d) providing promotional offers to you by means of
e-mail advertising, telemarketing, direct mail marketing, pop-ups,
pop-unders, SMS cell phone text messaging, instant messaging and/or
online banner advertising; e) tracking compliance with both IMG's
affiliate marketing terms and conditions and with the Website's terms
and conditions, if any are so provided; and f) for validation,
suppression, content improvement and feedback purposes.
You may revoke your affirmative consent to this disclosure to
nonaffiliated third parties by following the instructions in the “Your
Choices†section of this Privacy Policy.
To the extent Gramm-Leach-Bliley Act, 15 U.S.C. 6802 (the
"GLB Act") may apply to our services, this Privacy Policy shall serve
as your initial "Privacy Notice" as defined under the GLB Act.
By submitting personally identifiable information to us you are
acknowledging receipt of this Privacy Notice and also consent to
receive your annual Privacy Notice of the Privacy Policy, where
required by federal law, via this Website and via email.
You agree that we may contact you at any time with updates
and/or any other information that we may deem appropriate for you to
receive in connection with your continued use of the Website. You
affirmatively consent and expressly authorize that we and/or affiliates
or other third parties may send and you will receive commercial
messages via electronic mail, text messaging, instant messaging, or
other electronic means, including to your mobile device at the address
you provide. You may be charged by your mobile provider for such
messages, and you agree to pay any transmission costs, if any, directly
to your wireless service provider. The entity that could send marketing
message to the instant message ID you provide may be any one of more of
the following entities. Impulse Marketing Group, Chocolate Punch. You
You understand that you may revoke your affirmative consent and
authorization to receive commercial messages via such means at any time
using the procedures described in this Privacy Policy.
We also reserve the right to release current or past member
information in the event that we believe that this Website is being or
has been used to commit unlawful acts, if the information is
subpoenaed, or is required to be disclosed pursuant to other legal
process, if we are sold or acquired or when we deem it necessary or
appropriate.
By agreeing to this Privacy Policy, you hereby consent to disclosure of
any record or communication to any third party when we, in our sole
discretion, determine the disclosure to be appropriate, including,
without limitation, to market products and services offered by us or
unaffiliated third-parties or to affect or administer a transaction you
initiated.
In connection with the products and services available for purchase at
the Website, we will collect your credit card information. We will use
your credit card information to bill you for your purchases and we may
share your credit card information with third parties for the sole
purpose of effectuating any transactions that you enter into at the
Website. In addition, by submitting your credit card information to us,
you authorize us to periodically verify that your credit card account
continues to be a valid and active one by charging and, thereafter
immediately crediting, a small sum to the card. Such verification may
be conducted through a third party service provider and, in that case,
we will share your specific credit card information with this third
party for verification purposes. Apart from the foregoing uses, we
reserve the right to share with other third parties the fact that we
have credit card information on file for specific individuals, but we
will not share the actual credit card information with other third
parties without the applicable individual's prior informed consent.
In addition, you agree that by submitting your personal information at
the Website, such act constitutes a purchase, an inquiry and/or an
application for purposes of the Amended Telemarketing Sales Rule, 16
CFR Part 310 (the "ATSR"). Notwithstanding that your telephone number
may be listed on the Federal Trade Commission's Do-Not-Call List, we or
our designee retain the right and you hereby expressly authorize us
and/or our designee to contact you via telemarketing in accordance with
the ATSR. Moreover, by registering with, making a purchase from, or
requesting information from, a third party advertiser at or through the
Website, 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 e-mail, instant messaging, text
messaging, direct mail and/or telephone by such third party advertiser.
We may share with third party advertisers certain Website usage
information of individuals that have received targeted promotional
campaigns for the purpose of formatting future campaigns and upgrading
visitor information used in reporting statistics. For this purpose, we
may track some of the pages that you visit on our Website through the
use of pixel tags (also called clear gifs). By submitting information
at and/or registering at this Website, you agree to allow us to share
such Website usage information with third parties. Furthermore, your
submission of personally identifiable information by registering with
this Website shall be considered as your providing affirmative consent
to become a member of our list(s), an opt-in, and as such you expressly
waive any privacy protection or other benefit(s) afforded by any
national or state "Do Not Call" or other similar lists or registries.
Such waiver is void in jurisdictions that expressly do not allow such
waiver of rights.
We also may use "cookies" to enhance your experience in
using our Website. Cookies are text files that we place in your
computer's browser to store your preferences. By submitting information
at and/or registering at this Website, you agree to allow us to use
cookies to understand Website usage, to personalize your experience,
and to improve the content and offerings on our Website. To find out
more about cookies, please visit www.cookiecentral.com. Even in the case where a user rejects a cookie, he or she may still use the Website.
Non-Personally Identifiable Information
We may collect certain non-personally identifiable information about
you when you visit many of the pages of this Website. This
non-personally identifiable information includes, without limitation,
the type of browser that you use (e.g., Netscape, Internet Explorer),
your IP address, the type of operating system that you use (e.g.,
Windows or Mac OS) and the domain name of your Internet service
provider (e.g., America Online, Earthlink).
We use the non-personally identifiable information that we collect to
improve the design and content of our Website and to enable us to
personalize your Internet experience. We also may use this information
in the aggregate to analyze Website usage, as well as to offer you
products and services. We may disclose nonpublic personal information
about you as permitted by law. We also reserve the right to use
aggregate or group data about our visitors for lawful purposes.
Aggregate or group data is data that describes the demographics, usage
and/or characteristics of our visitors as a group. By visiting and/or
supplying your personal information at this Website, you agree to allow
us to provide such aggregate data to third parties.
Third Party Links
We do not endorse, nor are we responsible for the accuracy of, the
privacy policies and/or terms and conditions of each of the third party
advertisers that may advertise at this Website. The entities that
advertise and/or place banner ads at this Website including, but not
limited to, these third party advertisers, are independent third
parties and are not affiliated with us. We encourage our users to be
aware when they leave our Website and to read the privacy policies of
each and every website that collects personally identifiable
information. This Privacy Policy applies solely to information
collected by this Website.
Your Choices
During registration and/or when you submit personally
identifiable information to us at the Website, you are giving us your
affirmative consent to use and disclose such information pursuant to
this notice and terms of this Privacy Policy. However, we provide you
with an opportunity to request that we not share your personal
information with unaffiliated third parties. If, at any time in the
future, you would like to request that we not share your information
with third parties, you may opt-out from such sharing practices by
sending an email to cservice@easycardapprovals.com.
Please note that changing your preferences regarding the receipt of
marketing communications from us will not prevent other companies with
which we already have shared your information, including third party
advertisers, from continuing to provide you with offers. When contacted
by these companies, you should notify them directly of your choices
regarding their use and sharing of your information.
To opt-out from receiving any additional email communications regarding this website, click here.
To opt-out from receiving any additional SMS text messages simply reply
to any text message you receive from us with "STOP", "QUIT" or "END".
To opt-out from receiving any additional instant messages simply click
on the opt-out link appearing at the end of any instant message you
receive from us and follow the basic prompts.
In addition, please note that if you subsequently sign up
on one of IMG's websites for another product or service offerings, you
will need to reconfirm any information sharing preferences that you
have previously changed.
To opt-out from receiving any additional email communications regarding
this website and any other websites that IMG or any of its business
divisions operate, click here.
Your California Privacy Rights
If you are a resident of the State of California and would like to
opt-out from the disclosure of your personal information to any third
party for marketing purposes, please click here or email us at: cservice@easycardapprovals.com.
However, where California residents opt-out from permitting their
personal information to be shared with third party marketing partners,
such individuals may still receive selected offers directly from us, in
accordance with the law. Notwithstanding the foregoing, we agree not to
share the social security number of California State residents with
third-parties without first obtaining their consent to do so pursuant
to the terms and conditions set forth in the California Financial
Information Privacy Act ("CFIPA"). For purposes of compliance with the
CFIPA, we will not share "nonpublic personal information" (as defined
in the CFIPA) with our affiliates without providing California State
residents with an annual notice explaining that we will be sharing this
nonpublic personal information with our affiliates. To fully execute a
CFIPA consent acknowledgement, click here.
California Civil Code Section 1798.83 permits visitors to this Web
Site, who are California residents, to request certain information
regarding its disclosure of personal information to third parties for
their direct marketing purposes. To make such a request, please send an
e-mail to cservice@easycardapprovals.com or write us:
1100 Hammond Dr., Suite 410-202, Atlanta, GA 30328
Important Information for Vermont Customers
In accordance with Vermont law, we will not share information we
collect about Vermont residents to nonaffiliated third-party companies
except with the authorization or consent of the Vermont resident. By
submitting personal information to us, you are providing your
affirmative consent for us to sell, transfer, or otherwise disclose
information we collect about you to affiliates and non-affiliated
third-parties for the purposes identified in this policy. You may
revoke your opt-in choice at any time by contacting us at cservice@easycardapprovals.com
Minors
This Website is not directed at individuals under the age of 18, nor do
we knowingly collect information from individuals under the age of 18.
No information should be submitted to, or posted at, this Website by
individuals under 18 years of age. We encourage parents and guardians
to spend time online with their children and to participate and monitor
the interactive activities of their children.
Security
We employ industry standard security measures to safeguard
against unauthorized access to information that we collect online. When
users submit sensitive information via the Website, we endeavor to keep
this information protected both online and off-line. Unfortunately, no
data transmission over the Internet can be guaranteed to be 100%
secure. As a result, while we strive to protect your personal
information, we cannot ensure or warrant the security of any
information that you transmit to us, and you do so at your own risk.
When our registration/order process asks users to enter
sensitive information (such as a credit card number) that information
is encrypted and is protected with SSL encryption software.
While we use SSL encryption to protect sensitive
information online, we also endeavor to protect user information
off-line. All of our users' information, not just the sensitive
information mentioned above, is restricted in our offices. Only
employees who need the information to perform a specific job (for
example a billing clerk or a customer service representative) are
granted access to personally identifiable information. Access is nto
granted to employees who do not have a “need to know.†In compliance
with applicable federal and state laws, we shall notify you and any
applicable regulatory agencies in the event that there has been an
information security breach. By submitting personally identifiable
information to us, you are providing your affirmative consent to
receive such notifications via e-mail in the event of such a breach.
Please be advised that notice may be delayed in order to address the
needs of law enforcement, determine the scope of breach and/or network
damage, and to engage in remedial measures.
Acceptance
By using the Website and/or agreeing to receive information
via e-mail from us, you agree to this Privacy Policy. We reserve the
right, in our sole discretion, to change, modify, add and/or remove
portions of this Privacy Policy at any time. If we change our Privacy
Policy, we will prominently post notice that the Privacy Policy has
changed and provide a link to those changes on our Website so our users
are always aware of what information we collect, how we use it and
under what circumstances, if any, we disclose it. All Privacy Policy
changes will take effect immediately upon their posting on the Website.
Please check this page periodically for any changes. Your continued use
of the Website and/or acceptance of our e-mail communications following
the posting of changes to this Privacy Policy will constitute your
acceptance of any and all changes.
Electronic Signatures and Electronic Records
By submitting your information and agreeing to the terms of
this Privacy Policy, you understand and agree that you are agreeing to
be bound by the Privacy Policy and all other agreements and terms and
conditions found on the Website by using your electronic signature and
that your electronic signature is as legally binding as a physical
signature on paper. Furthermore, you are agreeing that you will use an
electronic signature to accept electronic records regarding the Service
offered by this Website, including, but not limited to, this Privacy
Policy.
You further agree and consent:
1. To receive agreements, applications, and other information that may
be provided or otherwise available to you electronically. Included in
those agreements, applications, and other information may be
disclosures required by federal, state, and local laws and regulations,
where allowed by such laws.
2. To be bound by the terms and conditions of the agreements,
applications, and other information provided to you by this Company
electronically.
3. To use and receive electronic records and electronic signatures in
conducting business with the Company, including agreeing to the terms
of the Privacy Policy.
4. That to electronically receive agreements, applications,
and other information, you will need a compatible operating system, web
browser, and email application, and you will need access to a printer
or the ability to download information to keep copies of such documents
for my records. The operating systems, web browsers, and email
applications identified herein are compatible. You furthermore
understand that you are indicating that you have the capability to
access the agreements, applications, and other information and download
or prints copies for your records.
5. For customer service or technical assistance regarding
electronic records or electronic signatures, you may contact the
Company by email at cservice@easycardapprovals.com.
6. You may obtain a paper copy of the agreements, applications, and
other information at anytime by contacting the Company by email at cservice@easycardapprovals.com. The Company will not charge a fee for any paper copy.
Contact Us
If you have any questions regarding this statement, or would like more
information on our privacy practices, please contact us at cservice@easycardapprovals.com.