Privacy Policy
This site is owned and operated by
The Credit Education Foundation. Your privacy on the
Internet is of the utmost importance to us. At The Credit Education
Foundation, we want to
make your experience online satisfying and safe.
Because we gather certain types of information about our users, we feel you
should fully understand the terms and conditions surrounding the capture and
use of that information. This privacy statement discloses what information
we gather and how we use it.
Definition of the Information The Credit Education Foundation gathers and keeps track of.
The Credit Education Foundation gathers two types of information about users:
-Information that users provide through optional, voluntary submissions.
These are voluntary submissions to receive our electronic newsletters, to
participate in our message boards or forums, to email a friend, and from
participation in polls and surveys:
-Information The Credit Education Foundation gathers through aggregated tracking
information derived mainly by tallying page views throughout our sites. This
information allows us to better tailor our content to readers' needs and to
help our advertisers and sponsors better understand the demographics of our
audience. Because The Credit Education Foundation derives its revenue mainly from
sponsorships and advertising, providing such aggregated demographic data is
essential to keeping our service free to users. Under no circumstances does
The Credit Education Foundation divulge any information about an individual user to a third
party.
The Credit Education Foundation Gathers User Information In The Following Processes:
Optional Voluntary Information
We offer the following free services, which require some type of voluntary
submission of personal information by users:
1. Electronic newsletters (Dispatches)
We will offer a free electronic newsletter to users. The Credit
Education Foundation
gathers the email addresses of users who voluntarily subscribe. Users may
remove themselves from this mailing list by following the link provided in
every newsletter that points users to the subscription management page.
Users can also subscribe to the newsletters at the time of registration.
2. Message boards/forums
Users of the site's Message Boards and Forums must register separately for
these services (both are free of charge) in order to post messages, although
they needn't register to visit the site. During registration the user is
required to supply a username, password, and email address.
3. "E-mail this to a friend" Service
Our site users can choose to electronically forward a link, page, or
documents to someone else by clicking "e-mail this to a friend". The user
must provide their email address, as well as that of the recipient. This
information is used only in the case of transmission errors and, of course,
to let the recipient know who sent the email. The information is not used
for any other purpose.
4. Polling
We may offer interactive polls to users so they can easily share their
opinions with other users and see what our audience thinks about important
issues. Opinions or other responses to polls are aggregated and are not
identifiable to any particular user. The Credit Education Foundation may use a system to
"tag" users after they have voted, so they can vote only once on a
particular question. This tag is not correlated with information about
individual users.
5. Surveys
The Credit Education Foundation may occasionally conduct user surveys to better target our
content to our audience. We sometimes share the aggregated demographic
information in these surveys with our sponsors, advertisers and partners. We
never share any of this information about specific individuals with any
third party.
CHILDREN
Consistent with the Federal Children's Online Privacy Protection Act of 1998
(COPPA), we will never knowingly request personally identifiable information
from anyone under the age of 13 without requesting parental consent.
USAGE TRACKING
The Credit Education Foundation tracks user traffic patterns throughout all of our sites.
However, we do not correlate this information with data about individual
users. The Credit Education Foundation does break down overall usage statistics according
to a user's domain name, browser type, and MIME type by reading this
information from the browser string (information contained in every user's
browser).
The Credit Education Foundation sometimes tracks and catalogs the search terms that users
enter in our Search function, but this tracking is never associated with
individual users. We use tracking information to determine which areas of
our sites users like and don't like based on traffic to those areas. We do
not track what individual users read, but rather how well each page performs
overall. This helps us continue to build a better service for you.
COOKIES
We may place a text file called a "cookie" in the browser files of your
computer. The cookie itself does not contain Personal Information although
it will enable us to relate your use of this site to information that you
have specifically and knowingly provided. But the only personal information
a cookie can contain is information you supply yourself. A cookie can't read
data off your hard disk or read cookie files created by other sites.
The Credit Education Foundation uses cookies to track user traffic patterns (as described
above). Our advertising system delivers a one-time cookie to better track ad
impressions and click rates.
You can refuse cookies by turning them off in your browser. If you've set
your browser to warn you before accepting cookies, you will receive the
warning message with each cookie. You do not need to have cookies turned on
to use this site. However, you do need cookies to participate actively in
message boards, forums, polling and surveys.
USE OF INFORMATION
The Credit Education Foundation uses any information voluntarily given by our users to
enhance their experience in our network of sites, whether to provide
interactive or personalized elements on the sites or to better prepare
future content based on the interests of our users.
As stated above, we use information that users voluntarily provide in order
to send out electronic newsletters and to enable users to participate in
polls, surveys, message boards, and forums. We send out newsletters to
subscribers on a regular schedule (depending on the newsletter), and
occasionally send out special editions when we think subscribers might be
particularly interested in something we are doing. The Credit
Education Foundation never
shares newsletter mailing lists with any third parties, including
advertisers, sponsors or partners.
When we use tracking information to determine which areas of our sites users
like and don't like based on traffic to those areas. We do not track what
individual users read, but rather how well each page performs overall. This
helps us continue to build a better service for you. We track search terms
entered in Search function as one of many measures of what interests our
users. But we don't track which terms a particular user enters.
The Credit Education Foundation creates aggregate reports on user demographics and traffic
patterns for advertisers, sponsors and partners. This allows our advertisers
to advertise more effectively, and allows our users to receive
advertisements that are pertinent to their needs. Because we don't track the
usage patterns of individual users, an advertiser or sponsor will never know
that a specific user clicked their ad. We will not disclose any information
about any individual user except to comply with applicable law or valid
legal process or to protect the personal safety of our users or the public.
SHARING OF THE INFORMATION
The Credit Education Foundation uses the above-described information to tailor our content
to suit your needs and help our advertisers better understand our audience's
demographics. This is essential to keeping our service free. We will not
share information about individual users with any third party, except to
comply with applicable law or valid legal process or to protect the personal
safety of our users or the public.
SECURITY
The Credit Education Foundation operates secure data networks protected by industry
standard firewall and password protection systems. Our security and privacy
policies are periodically reviewed and enhanced as necessary and only
authorized individuals have access to the information provided by our
customers.
OPT-OUT POLICY
We give users options wherever necessary and practical. Such choices
include:
· Opting not to register to receive our electronic newsletters.
· Opting not to participate in certain interactive areas, which completely
alleviates the need to gather any personally identifiable information from
our users
YOUR CONSENT
By using this site, you consent to the collection and use of this
information by The Credit Education Foundation. If we decide to change our privacy policy,
we will post those changes on this page so that you are always aware of what
information we collect, how we use it, and under what circumstances we
disclose it. |
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--Thanks"
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