PRIVACY POLICY

Introduction and Overview

CREDITO786 respects your privacy and is committed to protecting it through our compliance with this policy. This policy describes the types of information we may collect from you or that you may provide when you visit our Website www.credito786.com and our practices for collecting, using maintaining, protecting, and disclosing that information.

This Policy applies to information we collect:

• On this Website

• In email, text, or other electronic messages between you and this Website

• Through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website.

• When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time without previous notice and at the discretion of Credito786, who reserve the right to make changed at any given time. Your continued use of this Website after we make changes is deemed to be acceptance of those changes as well, so please check the policy periodically for updates. If you want to make sure that you are up to date with the latest changes, we advise you to frequently visit our Website. This policy was last updated on or around 11/04/2021.

Children Under the Age of 13

Our Website is not intended for children under thirteen (13) years of age. No one under age thirteen (13) may provide any personal information to or on the Website. We do not knowingly collect personal information from children under thirteen (13). If you are under thirteen (13), do not use or provide any information on this Website or through any of its features, register on the Website, make any purchases through the Website, use any of the interactive or public comment features of this Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or username you may use. If we learn we have collected or received personal information from a child under thirteen (13) without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at the information provided below.

California residents under 16 years of age may have additional rights regarding the collection and sale of their personal information. Please see Your California Privacy Rights for more information.

Information We Collect and How We Collect It:

We collect several types of information from and about users of our Website, including information:

• By which you may be personally identified, such as name, last name(s), postal address, e-mail address, telephone number, social security number;

• Financial information that you submit through the Website in order to pay for services (i.e., billing address, credit/debit card information);

• That is about you but individually does not identify you, such as internet protocol address and your geographic location;

• When you sign up for an account, create or share content;

• About the computers, phones or devices used to access our Website such as operating system, hardware and software versions, battery level, signal strength, available storage, space, browser type, and file names and types, and plugins;

• About your device signals such as browsers, Bluetooth signals, and information about Wi-Fi access points, etc.

• About your internet connection, the equipment you use to access our Website, cookies and other usage details;

• About your personal contacts stored in your device when you allow us to have access to them; and/or

• Other information relevant to customer surveys and/or offers.

We collect this information in various ways including:

• Directly from you when you provide it to us through your computer or phone files or photos, for example, when you send us copies of letters received from the credit bureaus regarding your pending disputes.

• Automatically as you use the Website. Information collected automatically may include usage details, log data, and information collected through cookies, web beacons, and other tracking technologies.

• From third parties, for example, our business partners or other clients.

• When you give authorization or permission to us to obtain information about you. For example, when you create an account or use our Website you voluntarily share certain information including without limitation your name, email, address, phone number, photos, and any other information you give us. You may also be able to share your precise location, even if you don’t choose to share your precise location. You will also have the option to share other information about yourself such as your gender, age, and preferred language.

• If you connect our Website to other sites such as Facebook, Google or other third party, we use information from those accounts, such as your friends or contacts to improve our Website. This is contingent on the privacy policies or settings of those accounts.

Information You Provide to Us

The information we collect on or through our Website may include:

• Information that you provide through our Website by filling in forms or the like. This includes information provided at the time of contracting for a service, or requesting further services or information from Credito786. We may also ask you for information when you enter a contest or promotion sponsored by us, and when you report a problem with our Website.

• Records and copies of your correspondence (including email addresses), if you contact us.

• Your responses to surveys/questions that we might ask you to complete for research purposes.

• Details of transactions you carry out through our Website and of the fulfillment of your requests. You may be required to provide financial information and payment method before requesting a service through our Website.

• Your search queries on the Website.

• Any other information that you provide to Credito786 through the use of the Website.

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

• Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.

• Information about your computer and internet connection, including your IP address, operating system, and browser type.

We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking).

The information we collect automatically may include personal information, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

• Estimate our audience size and usage patterns.

• Store information about your preferences, allowing us to customize our Website according to your individual interests.

• Speed up your searches.

• Recognize you when you return to our Website.

The technologies we use for automatic data collection may include:

• Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website. 

• Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.

• Web Beacons. Pages of our the Website [and our e-mails] may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit Credito786 , 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 certain website content and verifying system and server integrity).

Third-Party Use of Cookies and Other Tracking Technologies:

Some content or applications, including advertisements, on the Website may be served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our Website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content. We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.

What we do with the information we collect:

Credito786 collects this information to understand your needs and provide you with a better service, and in particular for the following reasons:

• Internal record keeping.

• We may use the information to improve our interactions and services.

• We may periodically send promotional emails, newsletters, and other promotional marketing emails about special offers or other information which we think you may find interesting using the email address which you have provided. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email or text we send.

• From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail and we may also use this information to customize our Website according to your interests.

• We may use the data collected to notify you about changes to our Service and to provide you customer support while using our Service.

• We may use the information to detect, prevent and address technical issues with our Service and to monitor your usage of the Service.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

• To present our Website and its contents to you.

• To provide you with information or services that you request from us.

• To fulfill any other purpose for which you provide it.

• To provide you with notices about your appointment(s) scheduled through our Website.

• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us.

• To notify you about changes to our Website or any offers or services we have or provide through it.

• To allow you to participate in interactive features on our Website.

• In any other way we may describe when you provide the information.

• For any other purpose with your consent.

Disclosure of Your Information

We may disclose aggregated information about our Users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect, or you provide as described in this privacy policy:

• To our subsidiaries and affiliates.

• To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.

• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Credito786 ’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Credito786 about our Website users is among the assets transferred.

• To third parties to market their products or services to you if you have consented to these disclosures. We contractually require these third parties to keep personal information confidential and use it only for the purposes for which we disclose it to them.

• To fulfill the purpose for which you provide it. For example, if you give us an email address to use the “email a friend” feature of our Website, we will transmit the contents of that email and your email address to the recipients.

• For any other purpose disclosed by us when you provide the information.

• With your consent.

We may also disclose your personal information:

• To comply with any court order, law, or legal process, including to respond to any government or regulatory request.

• To enforce or apply our terms of use and other agreements.

• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Credito786, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

• Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.

• Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your personal information with unaffiliated or non-agent third parties for promotional purposes, you can opt-out by checking the relevant box located on the form on which we collect your data or by sending us an email with your request to the email provided below.

• Promotional Offers from Credito786. If you do not wish to have your email address/contact information used by the Credito786 to promote our own or third parties’ products or services, you can opt-out by checking the relevant box located on the form on which we collect your data or by sending us an email stating your request to the email listed below. If we have sent you a promotional email, you may send us a return email asking to be omitted from future email distributions. This opt out does not apply to information provided to Credito786 as a result of a service request, warranty registration, product service experience or other transactions.

We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI”) on the NAI’s website.

Accessing and Correcting Your Information:

You can review and change your personal information by logging into the Website and visiting your account profile page.

You may also send us an email at info@Credito786.com to request access to, correct or delete any personal information that you have provided to us. We may not be able to delete your personal information except by also deleting your user account so please make sure you ask whether this will occur prior to requesting this modification to your account/profile. We will not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

Your California Privacy Rights

California residents may have additional personal information rights and choices. If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, visit https://oag.ca.gov/privacy/ccpa.

California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to us at the email listed below.

Usage Data

We may also collect information how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls. Any payment transactions and other information will be encrypted using SSL technology.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

How we use Cookies

We use cookies and similar tracking technologies to track the activity on our Services and hold certain information.

This helps us analyze data about web page traffic and improve our Website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better Website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. However, if you choose to decline cookies, this may prevent you from taking full advantage of the Website.

Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.

Some Cookies we use include:

• Session Cookies: We use Session Cookies to operate our Service.

• Preference Cookies: We use Preference Cookies to remember your preferences and various settings.

• Security Cookies: We use Security Cookies for security purposes.

• Advertising Cookies: Advertising Cookies are used to serve you with advertisements that may be relevant to you and your interests.

Links to Other Apps

Our Website may contain links to other Websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other Website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the Website in question.

Third-Party Use of Cookies And Other Tracking Technologies

Some content or applications, including advertisements, on the Website are served by third parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies, alone or in conjunction with web beacons or other tracking technologies, to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.

Service Providers

We may employ third party companies and individuals to facilitate our Service (“Service Providers”), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Analytics

We may use third-party Service Providers, such as Google Analytics, to monitor and analyze the use of our Service.

Google Analytics is a web analytics service offered by Google that tracks and reports app traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: http://www.google.com/intl/en/policies/privacy/

Advertising

We may use third-party Service Providers, such as Google Admob & DoubleClick Cookie, to show advertisements to you to help support and maintain our Service.

Google, as a third-party vendor, uses cookies to serve ads on our Service. Google’s use of the DoubleClick cookie enables it and its partners to serve ads to our users based on their visit to our Service or other apps on the Internet.

You may opt out of the use of the DoubleClick Cookie for interest-based advertising by visiting the Google Ads Settings web page: http://www.google.com/ads/preferences/

Non-Marketing Purposes

Credito786 greatly respects your privacy as previously stated. Therefore, there will be times where we may contact you for non-marketing purposes.

Controlling Your Personal Information

You may choose to restrict the collection or use of your personal information in the following ways:

• Whenever you are asked to fill in a form on the Website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes.

• If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to us.

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.

You may request details of personal information which we hold about you under the Data Protection Act 1998.

If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible. We will promptly correct any information found to be incorrect.

Retention of Data

Credito786 will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

Credito786 will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods.

Transfer of Data

Your information, including Personal Data, may be transferred to —and maintained on— computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

Credito786 will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of Data and Business Transactions

If Credito786 is involved in a merger, acquisition or asset sale, your Personal Data may be transferred. We will provide notice before your Personal Data is transferred and becomes subject to a different Privacy Policy.

Payments

We may use third-party services for payment processing (e.g. payment processors). Additionally, our Website may contain links to other sites or apps that are not operated by us. If you click on a third-party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Legal Requirements

Credito786 may disclose your Personal Data in the good faith belief that such action is necessary to:

• To comply with a legal obligation

• To protect and defend the rights or property of Credito786

• To prevent or investigate possible wrongdoing in connection with the Services provided to you

• To protect the personal safety of users of the Service or the public

• To protect against legal liability

Disclosure of Data for Law Enforcement

Under certain circumstances, we may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency). In such an event, Credito786 will disclose your Personal Data that it has collected to the applicable court or government agency.

Acceptance of the Terms

By using this Website, you are hereby accepting the terms and conditions stipulated within the Privacy Notice. If you are not in agreement with our terms and conditions, then you should refrain from further use of our sites. In addition, your continued use of our Website following the posting of any updates or changes to our terms and conditions shall mean that you agree and accept of such changes.

Contact Information

If you have any questions or concerns regarding this Privacy Policy, please contact us by email: info@credito786.com. You may also contact us via our toll-free number: (866) 716-4225.