Effective as of January 1, 2019
Protecting your private information is our priority. This Statement of Privacy describes how Raise My Credit Corporation (“RMCC”) collects and uses the personal information you provide on our website www.howtoraisemycreditscore.com on-line, including through its mobile application. It also describes the choices available to you regarding the use of, your access to, and how to update and correct your personal information and governs data collection and usage By using the RMCC website, you consent to the data practices described in this statement.
Privacy Compliance Certification
Raise My Credit Corporation has SSL certification.
Credit Repair Laws and Disclosures
RMCC strictly adheres to the Credit Repair Organizations Act Title IV of the Consumer Credit Protection Act, prohibits untrue or misleading representations and requires certain affirmative disclosures in the offering or sale of “credit repair” services. The Act bars companies offering credit repair services from demanding advance payment, requires that credit repair contracts be in writing, and gives consumers certain contract cancellation rights.
RMCC strictly adheres to the The Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act (FDCPA), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Collection of your Personal Information
In order to better provide you with products and services offered on our Site, RMCC may collect personally identifiable information, such as your:
– First and Last Name
– Mailing Address
– E-mail Address
– Phone Number
If you purchase RMCC products and services, we collect billing and credit card information. This information is used to complete the purchase transaction.
We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on the Site. These may include: (a) registering for an account on our Site (b) signing up for special offers from selected third parties; (c) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services on our Site. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.
Use of your Personal Information
RMCC collects and uses your personal information to operate its website(s) and deliver the services you have requested.
RMCC may also use your personally identifiable information to inform you of other products or services available from RMCC and its affiliates.
Sharing Information with Third Parties
RMCC does not sell, rent or lease its customer lists to third parties.
RMCC may share data with trusted partners to help perform statistical analysis, send you email, texts or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to RMCC, and they are required to maintain the confidentiality of your information.
RMCC may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on RMCC or the site; (b) protect and defend the rights or property of RMCC; and/or (c) act under exigent circumstances to protect the personal safety of users of RMCC., or the public.
Tracking User Behavior
RMCC may keep track of the websites and pages our users visit within www.howtoraisemycreditscore.com., in order to determine what RMCC services are the most popular. This data is used to deliver customized content and advertising within RMCC to customers whose behavior indicates that they are interested in a particular subject area.
Automatically Collected Information
Information about your computer hardware and software may be automatically collected by RMCC. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the RMCC website.
Access to Password Protected or Secure Areas
Access to and use of password protected or secure areas of the Website are restricted solely to authorized persons. Anyone accessing or who attempts to access such areas without authorization may be subject to prosecution Ownership of Information.
If you send RMCC any comments, suggestions, ideas, concepts, drawings, pictures, and/or other materials (collectively, the “Submissions”), you agree that the Submissions shall be deemed, and shall remain, the property of RMCC. None of the Submissions shall be subject to any obligation of confidentiality on the part of RMCC, and RMCC shall not be liable for any use or disclosure of any of the Submissions. Without limitation of the foregoing, RMCC shall exclusively own all now known or hereafter existing rights to the Submissions of every kind and nature throughout the world and shall be entitled to unrestricted use of the Submissions for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Submissions Locality.
RMCC manages and controls the Website from its offices located in Pennsylvania (United States of America). RMCC makes no representation that the Information or other materials in the Website are appropriate or available for use in other locations. If you choose to access the Website outside of the state of Pennsylvania through your own initiative, to the extent the local laws in the geographic region in which you are located are applicable to your access of and activities on the website you are responsible for compliance with such local laws.
Class Action Waiver
You agree that any legal action shall be conducted in your individual capacity only and not as a class action or other representative action, and you expressly waive your right to file a class action or seek relief on a class basis.
Security of your Personal Information
RMCC secures your personal information, usernames, passwords from unauthorized access, use, or disclosure. RMCC uses the following methods for the purpose of additional security:
- Data Encryption
- Transmission Encryption
- SSL Protocol
When personal information (such as a credit card number) is transmitted to other websites, it is protected using encryption, such as the Secure Sockets Layer (SSL) protocol.
We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.
Children Under Eighteen
RMCC does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of eighteen, you must ask your parent or guardian for permission to use this website.
Notice to California Residents
In response to a California law, we will automatically treat individuals with California addresses or telephone numbers (when disclosed to us) as if you requested us to not share your information with non affiliated third parties except as permitted by the applicable California law. We will also limit the sharing of information about you with our affiliates to comply with California privacy laws that apply to us.
Notice to Vermont Residents
In response to Vermont regulations, we automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with non affiliated third parties, and that we limit the information we share with our affiliates. If we disclose information about you to non affiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you.
Notice to Nevada Residents
We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by requesting that we cease calling you by contacting us directly and making such request in writing firstname.lastname@example.org. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; e-mail: BCPINFO@ag.state.nv.us
Notice to Users Outside of the United States
Links to Other Websites
Our Website and mobile application may contain links to other websites. Please note that when you click on one of these links you are “clicking” to another website. RMCC is not responsible for the information privacy practices or the content of such websites. We encourage you to read the privacy policies of these linked websites as their information privacy practices may differ from ours.
If you would like to stop receiving marketing or promotional communications via email or text from Raise My Credit Corp., you may opt out of such communications by responding, “Opt Out” to any email or text. Or by emailing us directly at email@example.com
Changes to this Statement
Raise My Credit Corp. welcomes your questions or comments regarding this Statement of Privacy. If you believe that Raise My Credit Corp. has not adhered to this Statement, please contact Raise My Credit Corp at 844-926-8850