Your privacy is important to us and we provide this notice explaining our online information practices and the choices you can make about the collection and use of the personal information you submit at this Website.If you are visiting the Website from outside the United States, please be advised that your personal data will be processed by Pacific Credit Partners (The Company) in the United States where data protection and privacy regulations may differ from similar regulations in other countries. By using the Website, you consent to any such transfer of information outside of your country if you are located outside of the United States. Additionally, by using the Website, you consent to Pacific Credit Partners using your personal information to contact you electronically, in writing, or otherwise to provide notices relating to your use of the Website and to give you information about the products and services offered by Pacific Credit Partners. If you would like to opt out of future promotional materials from us, you may indicate this preference by following the unsubscribe instructions at the end of such communications from us.
2. PERSONALLY IDENTIFIABLE Information
3. Access to Personal Information
If your personally identifiable information changes, or if you no longer desire our service, you may correct, update, delete or deactivate it by making the change on our member information page or by emailing our Customer Support at email@example.com. We will respond to your request to access within 30 days. We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
5. Web Beacons
Our service partners employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user's computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers' personally identifiable information.
The Website is not directed at individuals less than seventeen (17) years of age and Pacific Credit Partners does not intend to collect any personally identifiable information from such individuals, unless otherwise stated at the time such information is collected.
7. Information Collected Automatically
Pacific Credit Partners may also (i) automatically collect non-personally-identifiable information about your use of the Website, such as the domain from which you access the Internet (for example, Comcast.net, if you are connecting from a Comcast account), the date and time you access the Website, and the Internet address of the website from which you linked directly to our Website; and (ii) use data capture and analysis tools, and other similar tools, to extract, compile and analyze any non-personally identifiable data or information resulting from your use of the Website and the services offered thereon (collectively "Blind Data"). To the extent that any Blind Data is collected by Pacific Credit Partners, such Blind Data shall be solely owned by Pacific Credit Partners and may be used by Pacific Credit Partners for any lawful business purpose, including, without limitation, analyzing and enhancing the Website and services offered.
We post customer testimonials on our web site which may contain personally identifiable information. We do obtain the customer's consent via email prior to posting the testimonial to post their name along with their testimonial. If you wish to request to have your testimonial removed, you may contact us at firstname.lastname@example.org.
9. Public Forums
Our Web site offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at email@example.com.
In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.
10. Links to Other Websites
The Website may contain links, whose information practices may be different than Pacific Credit Partners. Visitors should consult such sites' privacy notices as Pacific Credit Partners does not have any control over information that is submitted to, or collected by, them. Pacific Credit Partners does not make any representations or warranties as to the security of any information (including, without limitation personal information) you might be requested to provide. These links are provided solely as a convenience to you and not as an endorsement by Pacific Credit Partners. Pacific Credit Partners cannot ensure that you will be satisfied with any products or services that you access from a site that links to or from the Website, since these sites are owned and operated independently. Pacific Credit Partners is not responsible for the content of linked sites and does not make any representations regarding the content or accuracy of materials on such sites. Pacific Credit Partners has not taken any steps to confirm the accuracy or reliability of any of the information contained in such sites. If you decide to access linked sites, you do so at your own risk. Pacific Credit Partners strongly encourages you to make whatever investigation you feel necessary or appropriate before proceeding with any online or off-line transaction with any of these sites.
11. Data Security Policy
The importance of security for all personally identifiable information associated with visitors to the Website - as well as Pacific Credit Partners customer information, such as cell phone numbers, email, addresses, and other account data - is of utmost concern to Pacific Credit Partners, and we have implemented, and periodically review, certain physical, electronic, and managerial procedures to help prevent unauthorized access and maintain data security. Your personal information is always safe. Our Secure Sockets Layer (SSL) software is the industry standard and among the best software available today for secure commerce transactions. It encrypts all your personal information, including name and address. Unfortunately, due to the open nature of Internet communications, no data transmission over the Internet can be guaranteed to be secure, and thus we cannot guarantee that communications between you and Pacific Credit Partners will be free from unauthorized access. Visitors of the Website and Pacific Credit Partners customers use the Website at their own risk.
12. Your Acceptance of These Terms
We may update this privacy statement to reflect changes to our information practices. If we make any material changes, we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.