1. Our Collection and Use of Personal Information
Personal Information includes information you provide us that can be used to uniquely identify or contact a single person, such as your name, address, email address, phone number, and Social Security Number or Taxpayer Identification Number.
You may be asked to provide Personal Information when you interact with us, Online Ads, or one of our related companies, such as in connection with a completed or abandoned transaction or a request for information from us. CSIP and it’s related companies and service providers may share your Personal Information with each other and use it consistent with this Privacy Policy.
We may supplement the Personal Information you provide with Personal Information available from other sources, such as credit bureaus, public databases, data aggregators, and other commercially-available sources.
2. Examples of Personal Information and Sensitive Personal Information
We Collect and How We Use It
You provide us with a variety of Personal Information, including your name, mailing address, email address, phone number, and payment information. You provide us with Sensitive Personal Information such as your Social Security Number or Taxpayer Identification Number. Throughout this document, Personal Information and Sensitive Personal Information will be referred to as Personal Information unless called out separately when required.
The Personal Information we collect allows us to verify your identity, deliver requested products and services, and provide you with information and offers from Service Providers and Related Companies These are financial and non-financial companies that assist us in providing services to Credit Score Improvement Program clients along with other third-party companies with whom Credit Score Improvement Program has a contractual relationship to provide marketing offers to Credit Score Improvement Program clients. It also allows us to stay in contact with you, and to manage Credit Score Improvement Program’s relationship with you. By providing us with Personal Information, you consent to our transfer and storage of that information.
We also may use your Personal Information for research, development, and analysis, and for advertising, marketing, security, fraud prevention, and other business activities.
For example, we may use your email address to:
- Confirm your identity;
- Send you information on the status of your account or transaction;
- Contact you if we need your assistance to complete a transaction; and
- Send you newsletters, third-party marketing offers from service providers and related companies, and customer-related material as permitted by law.
We have a zero-tolerance policy for email abuse. If you receive unsolicited emails from us, please report them to us. We are not responsible for communications you may receive from non-affiliated third parties.
We will never ask you to provide Personal Information in an email. DO NOT RESPOND to an email that appears to be from us requesting Personal information. Contact us.
3. Our Collection and Use of Non-Personal Information
Non-Personal Information is information in a form that does not allow for direct association with a specific person. This information is compiled and analyzed on both a personal and an aggregated basis. We may collect, use, monitor, analyze, transfer, and disclose Non-Personal Information for any purpose.
4. Examples of Non-Personal Information We Collect and How We Use It
We may collect and aggregate information regarding user access, activity, and behavior on our website, such as when you visit the website and what content is of interest or seems to be most useful to you. If we combine Non-Personal Information with Personal Information, the combined information is treated as Personal Information for purposes of this Privacy Policy.
Non-Personal Information includes:
Device Information – We may collect specific information for the device you use to access our website. For example, we may collect device models, IP addresses, MAC addresses, operating system versions, application software, fonts, and other device information and identifiers.
Cookies and Other Technologies – We use a variety of technologies to collect and store information when you visit our website. This technology may involve sending web beacons and cookies or anonymous identifiers to your device. Cookies are small text files placed on electronic devices that allow our website to remember your device and how you interacted with the website. We use Cookies and Other Technologies to recognize you when you log on, analyze your behavior when accessing our website, and deliver ads to you that we believe relate to your interests.
Log Information and Session Replay Technology – When you visit our website, we collect certain information automatically and store it in log files. This information includes IP address, browser version, ISP data, referring and exit pages, operating system version, date/time stamps, cookie data, and clickstream data. We use Log Information and Session Replay Technology to administer the website, analyze trends, maintain site security, learn about user behavior, and improve the overall quality and availability of the site.
Certain sections of our service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).
Click-Through URLs – In some email messages, we use a Click-Through URL to link to content on our website. When you click one of these URLs, you pass through a separate web server before reaching our site. We use Click-Through URLs to help us determine interest in a particular topic and to measure the effectiveness of our email communications.
Anonymized Information – If we separate Non-Personal Information from Personal Information, the resulting Anonymized Information is treated as Non-Personal Information for purposes of this Privacy Policy.
5. Our Sharing of Information with Others
We do not share Personal Information with businesses or individuals outside of CSIP Inc., except under the following circumstances:
Consent – We will share your Personal Information with others outside of CSIP Inc. when we have your consent to do so.
Service Providers – We provide Personal Information to related companies and other trusted businesses or persons who use, analyze, or process it on our behalf, based on our instructions and in compliance with appropriate confidentiality and security measures. For example, we may use others to:
- deliver, evaluate the effectiveness of, and assist in improving our products and services;
- conduct consumer research and satisfaction surveys;
- assist us in analyzing and understanding consumers and how to reach them more effectively;
- assist us in fraud prevention, with our security measures, and provide us with technical support;
- provide client support;
- manage client data, and ensure data integrity and accuracy;
- process financial transactions and perform accounting functions; and
- advertise, market, or make a product or service offerings;
Legal Reasons – We will share Personal Information with others outside of CSIP Inc. if we have a good-faith belief that disclosure is necessary or appropriate to:
- comply with applicable law, regulation, legal process, or enforceable governmental request;
- protect our operations or clients;
- detect, investigate, or address fraud, security, or technical problems; or
- investigate potential violations of and enforce applicable terms of service;
In the event of a reorganization, merger, or sale we may transfer any and all personal information we collect to the relevant third party.
Non-Personal Information
We may share Non-Personal Information publicly and with our strategic partners. For example, we may share Non-Personal Information to describe the size and success of our firm.
6. Transparency and Choice
We may use third-party display advertising companies, including Google, to serve CSIP Inc. ads on its behalf on sites across the Internet. Our display advertisers use cookies to inform, optimize, and serve ads based on your past visits to our website.
You may find additional information, opt out of, or otherwise customize display advertising from Google or DoubleClick by visiting Google’s Ads Preference Manager.
You may find additional information and opt out of other participating third-party display advertising by visiting the Network Advertising Initiative opt-out page.
We may use third-party analytics companies, such as Google Analytics, Adobe, and Omnivore to analyze and understand user behavior when visiting our website.
You may find additional information and opt out of Google Analytics by visiting the Google Analytics opt-out browser add-on.
You may find additional information and opt out of Adobe Analytics by visiting the Adobe opt-out page.
You also may disable cookies within your browser. Please note, however, that certain features of the CSIP Inc. website will not function properly or be available once cookies are disabled.
7. Information Security and Retention
We take precautions to safeguard your Personal Information from loss, theft, and misuse, as well as unauthorized access, disclosure, alteration, and destruction. These precautions include technical, physical, and administrative procedures.
Because email and instant messaging are not recognized as secure communications, we request that you not send private information to us by email or instant messaging services.
We regularly review our compliance with our Privacy Policy and enforce safeguards within the company.
We are committed to working with appropriate regulatory authorities to resolve any complaints regarding the transfer of Personal Information that we cannot resolve with you directly.
We use Secure Sockets Layer (SSL) encryption on all pages where Personal Information is collected. This protects the confidentiality of your Personal Information while it is transmitted over the Internet.
For your own protection, you should exercise care with the information you share over the Internet. You should always use a secure browser and exercise good judgment in using passwords, such as using a combination of upper and lower case letters, numbers, and special characters, and you should avoid using the same or similar passwords across multiple sites. We recommend using a password between 12 and 16 characters long.
You may access your Personal Information by logging into your account. We make good-faith efforts to give you ways to update or delete your Personal Information quickly unless we need to keep that information for a legitimate business or legal purpose. Some changes require personal contact with an assigned Credit Score Improvement Program Inc. representative.
We retain Personal Information and Non-Personal Information for the time necessary and reasonable to fulfill the purposes outlined in the Privacy Policy, unless a longer retention period is required or permitted by law or ethical duties, including our duty to preserve case files for a reasonable time and relevant information necessary to preserve a legal claim or defense. Our data retention for such information is seven (7) years.
We may reject requests to change or delete information that is unreasonably repetitive, require disproportionate technical effort (for example, requiring the development of new systems or fundamental changes to existing systems), risk the privacy of others, or would be extremely impractical (such as information stored on backups).
We work to protect data from accidental or malicious destruction. Accordingly, we may not immediately delete or change residual copies and we may not delete or change information from our backup systems. Unless a disproportionate effort is required, we will provide information access and correction without charge.
8. Third-Party Privacy Policies
This Privacy Policy only addresses the use and disclosure of information we collect from you. This policy does not apply to the practices of companies that we do not own or control or to people that we do not employ or manage. We do not control the privacy policies of third parties, and you are subject to the privacy policies of those third parties where applicable. We encourage you to ask questions before you disclose your personal information to others. For more information about each such third party, please refer to the third party’s privacy policy.
If you provided your information on the website of an entity not related to CSIP Inc., and that entity shared your information with us, the privacy policy of that website governs the non-related entity’s use of your information, which may be different from this Policy.
9. Children
We do not knowingly collect Personal Information from children under 13. If we learn that we have collected the personal information of a child under 13, we will take steps to delete the Personal Information as soon as possible.
10. Privacy Policy Changes and Questions
We may update our Privacy Policy from time to time. Changes to this Privacy Policy will be posted on our website, with a corresponding revision date. Please check the website and Online Ads each time you use them for the most current information, and to ensure that you are aware of any updates.
11. Request for Information
If you have any questions or concerns about this Privacy Policy, please contact us: support@mycsip.com.
Should you no longer wish to receive our emails, you may click on the unsubscribe link located in the footer of each email received or at: support@mycsip.com