Credit When Privacy Policy

Updated on November 17, 2023.

Introduction and Summary

At Credit When, available at https://creditwhen.com, we prioritize empowering your financial decisions through unique insights and innovative solutions. We offer articles to guide you towards a healthier financial life.

This Privacy Policy emphasizes our commitment to protect your personal and financial information’s privacy and security. Your data’s confidentiality and safety are our utmost concern.

For any questions or concerns about this policy, please read it thoroughly for a clear understanding of your privacy rights. Should you have further inquiries, feel free to contact us at [email protected]. Our team is ready to assist you with any privacy-related matters at Credit When.

Extent of this Privacy Policy

This Privacy Notice for Credit When details our practices for collecting, storing, using, and possibly sharing your information during your interactions with our services. These interactions include:

  • Visiting our website at https://creditwhen.com and other websites leading to this policy.
  • Engaging with our services in any other manner.

Please be aware that this Privacy Policy applies solely to our online activities and is valid for visitors to our website concerning the information shared and/or collected with Credit When. It does not cover information collected offline or via other channels outside this website.

By accessing and using our website, you are giving your consent to adhere to our Privacy Policy and agreeing to the associated Terms, which can be found at https://creditwhen.com/terms.

If our policies and practices do not align with your preferences, we respectfully request that you refrain from using our Services.

I. Information We Collect

Credit When collects various types of information to provide and improve our services.

A. INFORMATION WE GATHER DIRECTLY FROM YOU

We ensure transparency in the collection of your personal information. At each instance where we request your data, the purpose of this collection will be explicitly explained.

Should you reach out to us directly, we may collect additional details. This includes your name, email address, phone number, and any information within your messages or attachments.

Upon registering for an account, we will require certain contact details from you. These include your name, company name, address, email address, and telephone number.

B. INFORMATION GATHERED AUTOMATICALLY

During your interaction with our website, including when you utilize our services or engage with our emails, our system automatically gathers specific information from your computer, browser, or mobile device. This includes, but is not limited to:

  • Your device’s IP address or another unique identifier.
  • The type of web browser or device you are using.
  • Geolocation information.
  • The specific pages you browse on our site.
  • Your navigational patterns on the site, as well as your interactions and activities on our site, such as the elements you view or interact with.
  • The dates and times of your interactions with our Services.

1. Cookies and Web Beacons

Credit When uses cookies to enhance user experience by collecting information on visitors’ preferences and site interactions. This helps us customize our web content to better match user browser types and other details, aiming to improve and personalize your experience on our site.

We also employ web beacons, tiny transparent images, on our website and in emails. These track user behavior and interactions, like page visits and navigation, and measure email engagement, such as opens and link clicks. This data is vital for enhancing our website and refining our communication, ensuring we provide content that is both relevant and engaging.

2. Log Files

Credit When uses log files, a common practice for websites, to record visitor data. This includes IP addresses, browser types, ISPs, timestamps, referring pages, and click counts. Importantly, this data is not tied to personal identifiers. The goal is to analyze trends, manage the site, track user navigation, and collect demographic information.

C. INFORMATION FROM EXTERNAL SOURCES

1. Google DoubleClick DART Cookie

Google, as a third-party vendor, is integrated into our website and uses cookies, specifically DART cookies, to display ads tailored to users based on their previous visits to www.creditwhen.com and other websites. These cookies enhance the relevance of the ads presented to our visitors. Nonetheless, if you prefer not to use DART cookies, you have the option to opt out. This can be done by visiting Google’s Ad and Content Network Privacy Policy at the following URL: https://policies.google.com/technologies/ads. Here, you can find detailed information and make an informed choice about your cookie preferences.

2. Our Advertising Partners

Our site features advertisements from various partners who may utilize cookies and web beacons to enhance user experience. Below is a list of our advertising partners, each with their distinct Privacy Policy governing their data handling practices. To facilitate easy access to these policies and help you understand how your data is used, we have provided direct links to their respective Privacy Policies.

Google: Google’s Privacy Policy

3. Advertising Partners Privacy Policies

To understand how our advertising partners at Credit When handle data, please consult the provided list of their individual Privacy Policies.

Credit When partners with various third-party advertisers who use technologies like cookies, JavaScript, and Web Beacons in their ads on our site. These tools, sent directly to your browser, help enhance ad effectiveness and relevance. They also enable our partners to measure their ad campaigns’ success and personalize ads to your interests based on your website visits.

Please be aware that Credit When does not have the capability to access or manage these third-party cookies utilized by our advertisers.

4. Third Party Privacy Policies

The Privacy Policy of Credit When applies only to our site and doesn’t cover third-party advertisers or websites. We advise reviewing the Privacy Policies of these third parties for detailed information on their data practices and opt-out options.

If you wish to control your cookie preferences, you can disable cookies through your browser settings. Specific instructions for managing cookies in various web browsers can be found on their respective websites.

II. How We Use Your Information

We utilize the information collected through our website in various ways to enhance user experience and operational efficiency. Our uses include:

  • Website Maintenance: To provide, operate, and maintain our website effectively.
  • Website Enhancement: To improve, personalize, and expand our website’s offerings, ensuring it meets your needs and preferences.
  • User Engagement Analysis: To understand and analyze your usage patterns, helping us tailor our website’s functionality and content.
  • Innovation and Development: To develop new products, services, features, and functionalities that align with evolving user needs and technological advancements.
  • Communication and Support: To communicate with you, either directly or via our partners. This includes providing customer service support, updates about the website, and information for marketing and promotional purposes.
  • Email Correspondence: To send you emails that might be of interest, including newsletters, promotions, and other relevant announcements.
  • Security Measures: To identify and prevent fraudulent activities, thereby ensuring the security and integrity of our website and your personal information.

III. Dedication to Protecting Your Data

At Credit When, we employ a combination of administrative, and technological measures aimed at safeguarding the integrity and confidentiality of your information. These safeguards are meticulously designed to secure your data.

However, it’s important to note that no method of transmission over the internet or electronic storage is entirely infallible. Therefore, while we strive to protect your information, we cannot guarantee its absolute security. Any information you transmit to us via our services or store on our site is done at your own discretion and risk.

IV. Asserting Your Privacy Rights

1. Your Established Rights

At Credit When, we recognize and respect your rights to your personal information, irrespective of whether you hold an account with us. However, it’s important to note that the extent of these rights may differ based on your location, as certain states or regions grant specific rights regarding personal information to their residents. Consequently, the rights available to you in relation to the data we collect and process could vary depending on your state or country of residence.

2. Data Retention Policy

Credit When retains your personal information for as long as needed to meet data retention requirements, provide services, and support our business operations, unless you request its removal. If you wish to have your personal information deleted from our records, contact us at [email protected]. We will respond to your request by appropriately removing your data from our systems, respecting your preferences and legal obligations.

V. California Privacy Rights

Under the California Consumer Privacy Act (CCPA), residents of California are entitled to specific rights regarding their personal data. These include the right to:

  • Data Disclosure: Request a business to reveal the categories and specific details of personal data it has collected.
  • Data Deletion: Request a business to delete personal data it has collected about the consumer.
  • Opt-Out of Data Sale: Request a business to refrain from selling the consumer’s personal data.

At Credit When, we are committed to responding to your requests in accordance with these rights within one month. If you wish to exercise any of these rights, or have questions regarding your data privacy, please feel free to contact us.

VI. GDPR Data Protection Rights

Understanding your data protection rights is fundamental at Credit When. As a valued user, you have various rights concerning your personal information:

  • Right to Access: You are entitled to request and receive copies of the personal data we hold about you. Please be aware there may be a small fee for this service.
  • Right to Rectification: Should you find inaccuracies in your personal data in our records, you have the right to have these corrected. Additionally, you can request the completion of any incomplete data.
  • Right to Erasure: In certain circumstances, you have the right to request the removal of your personal data from our systems.
  • Right to Restrict Processing: You may ask us to restrict the processing of your personal data, subject to certain conditions.
  • Right to Object to Processing: You have the right to object to the processing of your personal data in specific situations.
  • Right to Data Portability: You can request the transfer of your data, which we have collected, to another organization or directly to yourself, under certain conditions.

We commit to responding to any of your requests regarding these rights within one month. If you wish to exercise any of these rights or have queries about your data, please reach out to us.

VII. Parent’s Children Information

Protecting children’s privacy on the internet is a key priority for us at Credit When. We advocate for active involvement, observation, and guidance by parents and guardians in their children’s online activities.

Credit When is dedicated to ensuring the privacy of younger internet users. We firmly adhere to the principle of not collecting Personally Identifiable Information (PII) from children under the age of 13. In the event that you believe your child has provided this kind of information on our website, we urge you to contact us without delay. We will take swift and diligent steps to remove any such information from our records, ensuring the safety and privacy of your child’s data.

VIII. Revisions to Our Privacy Policy

Credit When reserves the right to modify our Privacy Policy as necessary. Updates may occur due to new technologies, legal requirements, or changes in our business. We are committed to transparency and will inform users about any changes clearly and promptly. We advise regularly reviewing our Privacy Policy to stay informed about how we protect your personal information. Please note that continuing to use our services after any changes implies your acceptance of these updates.

IX. Our Contact Information

If you have any inquiries or feedback regarding this Privacy Policy, questions about your personally identifiable information, our practices of using and disclosing this data, or if you wish to discuss your consent choices, please feel free to reach out to us at [email protected]

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