CreditStinks.com | Privacy_Policy
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PRIVACY POLICY

PRIVACY STATEMENT:
This privacy statement discloses the privacy practices for Credit Stinks. Credit Stinks promotes the use of fair information practices. Because we want to demonstrate our commitment to your privacy, we have agreed to disclose our information practices.

INFORMATION COLLECTION AND USE:
Credit Stinks is the sole owner of the information collected on this site. Credit Stinks will not sell, share, or rent this information to others in ways different from what is disclosed in this privacy statement.

FINANCING APPLICATION:
In order to obtain a quote, a user must first complete a Quote Request Form. A user is required to provide personal information (such as name, address, telephone number, Social Security number and email address). This information is used to contact the user and provide the quote or other information that has been requested. The user must provide financial information so that Credit Stinks can review and qualify the user for financing. All customer information obtained via the quote request form is encrypted for security purposes and stored on a secured server.

SHARING:
We may share demographic information with our partners and advertisers. This is generally not linked to any personal information that can identify any individual person. However, Credit Stinks may send E-mails or mail to users about special offers or information that may be of interest to the user based on the information we collect.
We may partner with another party to provide specific services. Only when the user signs up for these services, we will share names, or other contact information that is necessary for the third party to provide these services. These parties are not allowed to use personally identifiable information except for the purpose of providing these services.

LINKS:
This web site may contain links to other sites. Please be aware that Credit Stinks is not responsible for the privacy practices of such other sites. We encourage our users to read the privacy statements of every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site.

SURVEY AND CONTESTS:
From time-to-time our site requests information from users via surveys or may offer contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose this information. Information requested may include contact information (such as name and shipping address), and demographic information (such as zip code, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.

NOTIFICATION OF CHANGES:
If we decide to change our privacy policy, we will post those changes here so our users are always aware of what information we collect, how we use it, and under circumstances, if any, we disclose it.

SECURITY:
This website takes every precaution to protect our users’ information. When users submit sensitive information via the website, the information is protected both online and off-line.
When our quote request or order form asks users to enter sensitive information (such as a social security number), that information is encrypted and is protected by what we believe to be the best encryption software in the industry – SSL. While on a secure page, such as our application form, the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to un-locked, or open, when you are just ‘surfing’.
While we use SSL encryption to protect sensitive information online, we also do everything in our power to protect user-information off-line. All of our users’ information, not just the sensitive information mentioned above, has restricted access at Credit Stinks. Only employees who need the information to perform a specific job (for example, loan officer, sales representative or a customer service representative) are granted access to personally identifiable information. Access to the information is made via a password-protected program. Each time an employee who needs access to information, they must enter their password to gain access to the information. Furthermore, employees are kept up-to-date on our security and privacy practices. Employees are periodically notified and/or reminded about the importance we place on privacy, and what they can do to ensure our customers’ information is protected.
If you have any questions about the security at our website, you can contact us through our online form.

SUPPLEMENTATION OF INFORMATION:
In order for this website to properly fulfill its obligation to our customers, it may be necessary for us to supplement the information we receive with information from 3rd party sources. For example, to determine if our customers qualify for financing, we use their name and social security number to request a credit report or approval from a lending institution. By completing the application, you are giving us permission to obtain your credit report and to provide your personal information to industry relations.

SITE AND SERVICE UPDATES:
We may send the user site and service announcement updates which contain important information about the service. We communicate with the user to provide requested services and in regards to issues relating to their account via email or phone.

CORRECTING / UPDATING PERSONAL INFORMATION:
If a user’s personally identifiable information changes (such as your address or E-mail), or if a user no longer desires to receive information from Credit Stinks, we will endeavor to provide a way to correct, update or remove that user’s personal data provided to us. This can usually be done by contacting us through our online form.