Privacy Policy

SmarterPrivacy is firmly committed to respecting your right to privacy and has created this privacy policy to demonstrate our commitment.

 This privacy policy covers the website www.smarterprivacy.com. Because this Site wants to demonstrate our commitment to our users' privacy, and establish trusting relationships with individuals and organizations based on respect for personal identity and information we have agreed to disclose our information and privacy practices and promote the use of fair information practices.

 

Our Commitment to You

We are sensitive to your privacy concerns, and are committed to letting you know what information is being collected on our Site, how the information is being used and what choices you have regarding the collection and use of the information. Please take a moment to review this privacy policy and contact us with any questions by email at memberservices@smarterprivacy.com, or telephone at 866-977-4822 or mail to SmarterPrivacy,  40 Speen Street, Suite 403, Framingham, MA 01701.

 

The Information We Collect from You

SmarterPrivacy allows you to access your credit report and related information quickly and easily through our Web site. We collect your personal information only if you decide to order one of our products, services, or packages, subscribe to our newsletter, participate in one of our contests or surveys or transact other business with us. In order to process your transactions and provide you with high quality customer service, we need your full name and current and/or billing address, your email address (so we can contact you) and, if you purchase one of our products, services or packages, a valid credit card number, your Social Security number and certain other personal information, such as your date of birth, address information, employment information, and certain credit card and loan account information. We use personal information to authenticate the credit card number and to verify that the person requesting your credit report really is you and not an impostor or other person improperly seeking to access your information.

 

Order Form

We request information from the user on our sales order forms. Here you must provide contact information (like name, address, telephone, and email address), verification information (like a previous address and your mother's maiden name or another, similar password), unique identifiers (like your Social Security number and date of birth), and financial information (like your credit card number and expiration date). When you purchase one of our products, services or packages online, the information you provide is used for authentication, fulfillment, and billing. We use your full name and current address, telephone number (in case we need to contact you due to a problem with your order), and a valid credit card number to process your order. If you are signing up for online delivery with the SmarterPrivacy Credit Monitoring Service, we use your email address to deliver your membership information, follow up on your report requests and send occasional updates regarding your membership. For orders involving credit reports, we must use your Social Security number and date of birth to obtain your credit report for you. We ask for your previous address if you have moved within the last two years and your mother's maiden name so that we can verify your identity and address before delivering your credit report and when you call our Member Service Department. If you opt to receive our newsletter, you will continue to receive it until you notify us that you wish to cancel.

 While ordering one of our products, service or packages, you may also have the option of requesting your "Special Offers" (information about financial products or services that may be of interest to you based on the information in your credit report). If you sign up for "Special Offers," SmarterPrivacy will use the information in your credit report to match your credit history to credit and financial products and services you may be especially interested in, so that we can provide you with information about such products and services offered by our partners. These offers may be presented online at SmarterPrivacy or sent via email, in our personalized monthly newsletter and/or through occasional other email contact. Anonymous, aggregate information about customers who match a particular offer may be provided to our partners, but no Personally Identifiable Information about you will be shared with our partners unless you respond to the offer and consequently provide it to them.

 

The Collection of Anonymous Data

In order to enhance the usefulness of our Web site and our products, services and packages, SmarterPrivacy collects data about our customers' use of our Web site, in a manner that does not include any personally identifiable information. While you browse the SmarterPrivacy Web site, we note which pages of our site you visit and note the IP address of your computer (as all Web sites do automatically), but we do not connect that address information to your personal information. The general information we gather helps us serve our customers better by continually improving our site based on up-to-date use patterns.

 

The Use of Cookies

 SmarterPrivacy may use "cookies," which are pieces of information that a Web site transfers to your computer's hard disk for record keeping purposes, to facilitate your access to our products, services and packages. SmarterPrivacy may use cookies in accordance with industry-standard protocols, but does not use cookies, either directly or in conjunction with other Web sites, to track your movement to Web sites other than SmarterPrivacy. SmarterPrivacy may use two different types of cookies. One type of cookie maybe used so that our site "recognizes" you each time you return using the same computer, and you do not have to re-enter all your personal information on each visit. You can set your Web browser to refuse to accept this cookie, or delete this type of cookie from your hard drive, and still access our products, services and packages, as long as you re-enter information each time you visit. The second type of cookie maybe needed so that we can process each step of your transactions with us. If you refuse to accept this type of cookie, you will not be able to access our products, services and packages. Most Web browsers automatically delete this type of cookie when you terminate your session.

 

We may use third-party advertising companies to serve ads on our site. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous.

 

How We Use and Share Your Personal Information

We may use the personal information that you provide to identify other products and services that we believe may be of interest to you, and to provide you with information about those products and services. In identifying such products and services we may share such information with our partners. Personal information that is shared with our partners will be monitored in accordance with our privacy policy. If you prefer not to receive such information, you may indicate your preference by emailing us at memberservices@smarterprivacy.com, and Smarter Privacy and its partners will not send you any promotional emails.

 

Third Parties

SmarterPrivacy also may disclose your personal information to third parties in the good faith belief that such action is necessary in order to comply with, or be responsive to, legal process served on us (such as a subpoena), or if we believe such disclosure is necessary to protect and defend the rights, property or safety of Smarter Privacy, our users or others. In addition, we may disclose your personal information to consultants, agents and advisors, such as attorneys and accountants, in the good faith belief that such disclosure is within the scope of their professional duties to SmarterPrivacy and with the understanding that such professionals will abide by our privacy policy. SmarterPrivacy will not share your personal information with unaffiliated third parties for marketing purposes unless you consent or unless you are referred to us by that third party. If you have indicated to us when you registered, placed an order or updated your account that you were interested in receiving information about products and services provided by companies selected by SmarterPrivacy, we may provide these companies with your name and email address. SmarterPrivacy has sought to establish relationships only with companies that we believe are reputable and provide products and services that may be of interest to you. If you prefer not to receive such information, you may indicate your preference by marking the appropriate box when you register, place an order or update your account information, and SmarterPrivacy will not send you any such promotional emails and will not share any of your personal information with such companies for marketing purposes.

 

Special Offers

From time to time our site may request information from users via surveys, contests, or special offers. Participation in these surveys, contests or offers 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.

 

Protection of Smarter Privacy and Others

We release account and other personal information when we believe release is appropriate to comply with law; enforce or apply our Terms of Use and other agreements; or protect the rights, property, or safety of SmarterPrivacy, our users, or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction.

 

Transferability of Information

In the event we go through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of our assets, your personally identifiable information will likely be among the assets transferred. You will be notified by means of notice on our site for thirty (30) days of any such change in ownership or control of your personal information.

 

Choice/Opt-Out

Because we want our users to feel completely comfortable using SmarterPrivacy services, we provide you with various opportunities to control how the information you provide to us is used. This site gives you the option to cancel our service and not receive future communications from us, and to direct that we not share your information with third parties (in cases where you previously granted us permission to share such information—we do not share users' personal information with third parties without their permission).

 

Users who no longer wish to receive newsletters, promotional materials or special offers from our partners or us may opt out of receiving these communications by emailing us at memberservices@smarterprivacy.com.

 

Links

This Web site may contain links to other sites that we do not control. We at SmarterPrivacy are not responsible for the privacy practices of these other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information. This privacy policy applies solely to information collected by this Web site.

 

Correcting/Updating Personal Information

If your personally identifiable information changes (such as an address) you can update it by emailing us at memberservices@smarterprivacy.com or calling Member Services at 866-977-4822.

 

Notification of Changes to This Privacy Policy

SmarterPrivacy may amend this privacy policy at any time, but will notify users in advance of any material change, by posting a notice of the change in a prominent position on the home page of the SmarterPrivacy Web site. If the amendment would permit us to share your personal information with third parties in a manner materially different than that described in this privacy policy, unless required by law or court order or in order to safeguard the operations of our site or our customers, you will be given an opportunity to inform us that you do not consent to such sharing of your personal information.