We collect anonymous and personal information as a normal part of normal operations on this web site. We automatically collect anonymous non-personal information from every visitor to the site as do most other companies on their web sites. creditcard-direct.com also collects both public, and non-public personally identifiable information, and sensitive information if you request information about a product or service.

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Non-personal information

We automatically track and collect traffic data. Traffic data is information that does not identify you personally but may include your IP address, URL domain server and other similar types of information that help us administer our site, and improve our service offerings. We use cookies, web-beacons to track traffic data and customer transactions for accounting purposes.

No sensitive information is revealed in the collection and tracking process. We do share traffic and transactional information with our affiliates and service providers on an aggregate and anonymous basis for marketing and accounting purposes.

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Personal Information

In order for you to access many of the services offered on this site, you will be required to provide us with personal information like your contact information:

Name
Street or postal address
E-mail address
Phone number

Personally identifiable contact information is similar to information that may be published in a phone book or directory. This information is used to identify you, complete transactions for services or products you request, facilitate requests for subsequent products or services; and for customer service fulfillment. Personal information is shared with service providers with your consent.

Personal information may also include other data that does not identify you personally such as:

Your place of employment, employer, length of time you worked there;
Number of years you lived in your home or other information about your home;
Information about your credit history;
U.S citizenship;
Military service;
Loan purpose and loan amount

This information will be used to help us match you with the most appropriate service provider or product offering.

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Sensitive Information

You may be required to provide personal, non-public, sensitive information so that service providers can determine your eligibility for some of the services offered on this website, such as your:

E-mail address;
Social security number;
Driver’s license number;
Bank account or routing number;
Date of Birth;
Debit or credit card number, expiration date and security code

The sensitive information we collect in these circumstances is shared only with service providers in order to fulfill your request. Sensitive information is immediately encrypted and is only temporarily stored in our database before being permanently deleted. creditcard-direct.com shares your sensitive information with service providers only with your consent in order to fulfill your request. We do not sell, rent or otherwise share your personal, non-public sensitive information with third parties unless otherwise detailed in this policy statement.

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How Long We Keep Information

We keep some of the information we obtain from your interactions on our site:

Non personal, non sensitive tracking and traffic data is stored in our log files for 90 days to enable us to better respond to the interests of each visitor to the site, and for system and security monitoring purposes.
Non-sensitive information such as personal information used for marketing, accounting and transactional purposes may be kept indefinitely.
Sensitive information that may be required to complete a transaction is deleted permanently from our systems after four business days.
Although returning users will find that some on-line forms will be automatically filled in with non-sensitive personally identifiable information, returning users will have to re-enter sensitive information when it is required for a transaction. Sensitive information is not stored longer than four days on our system.

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Why we need your e-mail address

We use your e-mail address to:

Confirm your identity;
Send you information on the status of your transaction;
Contact you if we need your assistance to complete the transaction;
Send you newsletters, and other customer related material.

creditcard-direct.com has a zero tolerance policy for e-mail abuse. If you receive unsolicited e-mails from creditcard-direct.com please report it to us at privacy@creditcard-direct.com. We are not responsible for communications you may receive from service providers.

We will never ask you to provide non-public or sensitive information in an e-mail. DO NOT RESPOND to an e-mail that appears to be from us requesting non-public or sensitive information the e-mail.

We do not store e-mail addresses from correspondence sent to us. If you contact us by e-mail we will respond by email. creditcard-direct.com will not use or store your email address in our database from such correspondence.

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What choices you have regarding the use of your information

E-mail correspondence. You may opt-out of e-mails in one of two ways:

You may ‘uncheck’ the box next to the offer on the on-line form you compete, or
Click on the ‘unsubscribe hyperlink’ in the e-mail you receive.

You will receive an e-mail confirming your decision to opt-out.

Confirmations. You may not opt-out of these e-mail messages. They are designed to confirm your identity and your decision to enter into a transaction. Confirmation emails often contain important instructions about your transaction. If you do not wish to receive this confirmation e-mail do not sign up for services or products on this website.

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Your Access to Personally Identifiable Information

If you want to change or delete your personally identifiable information, including your e-mail address, or if you no longer are interested in a service found on this website, you may correct, update, delete or deactivate your personally identifiable information by contacting the service provider that processed your request. Information entered on the creditcard-direct.com website will be automatically updated each time you apply for a new or different service. (See How Long We Keep Information)

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creditcard-direct.com reserves the right to share your information including your e-mail address without your consent when:

Ordered to do so by court order or subpoena; or
Cooperating with law enforcement investigations; or
We determine that any of your activities will harm the property, rights or users of creditcard-direct.com; or
To verify the integrity of the data collected; or
With our affiliated business partners for accounting purposes.

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Important Note Regarding non-U.S. Users and U.S. Law

The laws and regulations of different countries and states impose different (and even conflicting) requirements on date protections and the use of the Internet. creditcard-direct.com is located in California, in the United States of America, as are the servers that make this web site available worldwide. The laws of the State of California and, the United States of America, govern all matters relating to this web site. If you provide information while using this site, you will be deemed to have authorized the transfer of your information to our servers in California.

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Children

We do not knowingly solicit personal information from children or send them requests for sensitive information. Although there are links to other sites that may offer services to persons under the age of 18, creditcard-direct.com does not offer any services for person under the age of 18.

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This policy statement applies to www.creditcard-direct.com.

This policy applies only to the website creditcard-direct.com and the users of the site. It does not apply to any other web site whether it is a site that you may link to, or a site that may link to this site. creditcard-direct.com is not responsible for the privacy practices on any other site or of any other entity or person. We encourage you to learn about the privacy policies of any site you visit and the companies that operate them.

This Policy is effective February, 2006 and replaces any prior policy we posted on our web site. We reserve the right to change this Policy and our e-mail practices at any time, so please review it frequently. When we do, we will post a revised statement on this site, and other places we deem appropriate so that you are aware of what information we collect, how we use it and under what circumstances, if any we disclose it.

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Privacy Policies and Service Providers

Because this privacy policy applies only to the creditcard-direct.com website it may be different than our service providers’ privacy policies. creditcard-direct.com urges you to review the privacy policies of every website you visit where you are required to share your personal information.

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Your Consent to This Privacy Policy

By using this web site, you represent to us that you are an adult under the laws of the place where you reside and that you agree with the terms of this privacy policy and with the Terms and Conditions posted on this site. If you are not an adult under the laws of the place where you reside, or if you do not agree with any provision of this policy or the Terms and Conditions, please do not use this web site, and do not provide any personal information to us.

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Protect and Verify Your Personally Identifiable Information

We urge you to take adequate precautions to protect your personally identifiable information, both on and off the Internet. (To learn more go to: http://onguardonline.gov/index.html).

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Contact us

If you have questions or concerns regarding this statement, you should contact us by e-mail at privacy@creditcard-direct.com,

creditcard-direct.com, Inc.
4070 Brushy Creek Way
Suwanee, Georgia

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Security

creditcard-direct.com is NOT a secured website due to the fact that all personal information collected is on the credit card providers websites. Customer data is securely transmitted by creditcard-direct.com to service providers which use a combination of encryption techniques and other privacy protection measures. All sensitive information submitted through the creditcard-direct.com website is encrypted by the credit card providers on their websites, not ours. Encrypted sensitive information is not collected creditcard-direct.com. creditcard-direct.com maintains and enforces strict internal policies that prohibit employees or third parties from accessing or viewing your sensitive information.

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Terms Used in This Statement

Cookies

creditcard-direct.com may use cookies, or small text files, to enhance your interaction with the website. Some cookies are stored on your hard drive. You may reject or refuse cookies and still visit our web site. However if you reject cookies you may not be able to access all of the services on our web site.

Some of the companies that offer products or services via our web sites, and some of the companies that send visitors to our web site pass cookies to your computer. Please be aware that we have no control over cookies passed to you from other companies’ sites.

If you request information or purchase a product or service, you will be requested to enter personal, non-public information on our web site. Personal information is linked to the cookie stored on your computer so it will be easier for you to complete a transaction on your next visit to our web site. If you complete another transaction, you will have to re-enter sensitive and non-public information, because that type of information is not linked to cookies stored on your computer.

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Encryption

creditcard-direct.com does not collect personal information like names, phone numbers and credit card data. The credit card providers we refer our visitors to use encryption on their websites. Encryption is a way to scramble data to make it unreadable to anyone other than the intended recipient. If it is intercepted by a third party while traveling over a network it cannot be read. Only the persons sending and receiving the encrypted data have a key to unscramble the data and make it readable. Encryption provides privacy for email, discussion group postings, and other communications as they move over networks.

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Personally Identifiable Information

When visiting a website that we refer you to you may submit personally identifiable information. Personally identifiable information is information collected from a website that is used to identify the person to who the information pertains. Personally identifiable information may include your name, address, phone numbers, e-mail address social security number, credit card information and other information that is unique to you. This type of information does not include information that is collected anonymously or for the purpose of tracking movement on our website that is not connected directly with you.

Personally identifiable information includes public information that is generally known or published like your name and contact information in a phone book or other public records and documents. It can also include non-public information like sensitive information.

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Secure Sockets Layer

Secure Sockets Layer, (‘SSL’) is the industry standard method for protecting web site communications by encrypting, or obscuring information and making it unreadable to everyone except the holders of the keys used to read the information. All companies that creditcard-direct.com refers to use the SSL protocol to capture personal, non-public information, such as your credit card numbers via the Internet.

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SSL Certificate

A SSL certificate, binds an entity to a pair of electronic keys that can be used to encrypt and sign digital information. A SSL Certificate makes it possible for you to verify that we have the right to use a given key, helping to prevent others from using phony keys to impersonate the website you are visiting. Used in conjunction with encryption, SSL Certificates provide a complete security solution, assuring the identity of one or all parties involved in any given transaction. All venders we refer to have an SSL Certificate.

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Third party tacking mechanisms

We use third parties to verify the integrity of the information that you provide so we can confirm your identity. Third parties cannot associate this information with you and are prohibited from using the information for any other purpose it.

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Web-beacons

A web beacons is a tracking marker that is placed within a web page or in an e-mail message. Web beacons are invisible to your eye, and are used to monitor a computer which is accessing a particular web page or e-mail message and transfer the data to a server. creditcard-direct.com uses web beacons to:

Count website visits to specific areas at the creditcard-direct.com website;
Track and account for transactional information on third party service provider websites;
Collect aggregate transactional data for accounting purposes;
Track statistics about:
- The IP address of the computer that fetched the web beacon
- The URL of the page that the web Beacon is located on
- The URL of the web beacon image
- The time the web beacon was viewed
- The type of browser that fetched the web beacon image
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Note: The information, matrial, and suggestions found throughout creditcard-direct.com is intended to provide an informative and educational service. By entering this site you agree to the terms and conditions of Aunica Media, Inc. Copyright© 2006. All rights reserved.