Americanfaircreditcouncil.org


Last updated April 30, 2017

Our Commitment to Privacy

The American Fair Credit Council (www.americanfaircreditcouncil.org) respects the privacy of its users. We do not trade, sell, or give away your personally identifiable information to third parties other than as set forth specifically on the website. We are committed to maintaining the confidentiality, integrity, and security of personal information about our users. In order to demonstrate our commitment to your privacy, we have prepared this statement disclosing the privacy practices for the americanfaircreditcouncil.org website.

Agreement to this Privacy Policy: By using this web site, you consent to this Online Privacy Policy, including your consent to our use and disclosure of information about you in the manner described herein.

What Personal Information is collected

Personal Information means personally identifiable information such as information you provide via forms or other online fields including name, email addresses, telephone, fax or mobile numbers.

How your Personal Information is used

Our goal is to provide you with a personalized online experience that delivers the information and resources that are most relevant and helpful to you. In order to achieve this goal, we sometimes collect information during your visits so that you may be contacted. Please also review our Terms of Use for additional information about the terms and conditions for your use of this website.


Using your Personal Information to contact you

We or a representative of the American Fair Credit Council may call you and/or send you email to communicate with you, to verify your identity in order to allow access to your services, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of your Personal Information. We may also contact you for marketing or promotional purposes with AFCC news, or news of our services or offers. You may unsubscribe to marketing email by following the instructions that are included in the e-mails that you receive.

We do not share or disclose your Personal Information to third parties, unless one of the following limited exceptions applies:

Service Providers

We may disclose your Personal Information to other companies that help us correspond with you.

Legal Obligations

We may disclose or report your Personal Information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes.


Business Transition

If we are involved in a merger, acquisition, or sale of all or a portion of our assets, you will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information.

How anonymous information is collected and used

Our website uses Google Analytics to help us understand how visitors engage with the website. We abide by Google’s policies. They and other third parties may also track you, but we cannot control their policies.

We use cookies to track your interaction with our website, so we can learn how to improve our website. These cookies give us only anonymous data to analyze. You can disable these cookies if you want by following your browser’s directions for disabling cookies.

CALIFORNIA DO NOT TRACK DISCLOSURES

How do we respond to Web browser “do not track” signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services?

We currently do not respond to DNT signals in browsers because we do not track individual users across the web.

May other parties collect personally identifiable information about an individual consumer’s online activities over time and across different websites when they visit www.americanfaircreditcouncil.org?

No.

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 nonaffiliated 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 nonaffiliated third parties, and that we limit the information we share with our affiliates. If we disclose information about you to nonaffiliated 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 admin@americanfaircreditcouncil.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

This Online Privacy Policy is intended to cover collection of information on our Sites from residents of the United States. If you are visiting our Sites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third-parties with whom we share it as described in this Notice.

Children Under 18

Our website is not intended to be used by children under 18 years old. You represent and warrant that you are at least 18 years of age. If you are under age 18, you may not use the website or services. We do not knowingly collect personal information from, or target our website or services to children under the age 18. We understand that there may be exceptions to this rule, including, but not limited to children who are emancipated. If we discover that the website is being used inappropriately, we will take steps, if possible, to disable access so that the individual may no longer access our website.

Links to Other Websites

Our website may contain links to other websites. Please note that when you click on one of these links you are “clicking” to another website. Americanfaircreditcouncil.org 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.

 

Changes to this Privacy Policy

We reserve the right to modify this privacy policy at any time. We will not jeopardize your privacy. The provisions contained in this privacy statement supersede all previous notices or policies regarding our privacy practices with respect to this site. Any and all changes will be made here, to this privacy statement.

We encourage you to check our site frequently to see the current privacy policy to be informed of how we are committed to protecting your information and providing you with improved content on our website in order to enhance your online experience. Upon any material changes to the policy statement, we will post those changes to this privacy policy so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

How To Contact Us

Should you have other questions or concerns about these privacy policies, please send us an email at admin@americanfaircreditcouncil.org.

PLEASE PRINT AND RETAIN A COPY OF THIS PRIVACY POLICY FOR YOUR RECORDS.