Improve My Credit USA
Last Updated March 2014
The following policy explains how we gather and use personal information in detail. This policy may change from time to time and Improve My Credit USA (sometimes referred to as “IMCUSA”) reserves the right to change or modify this policy at any time with or without notice. If you have any questions about this policy, please feel free to contact info @ IMCUSA.com.
By registering or using this Site, you signify your acceptance of this Policy. If you do not agree to the terms of this Policy, in whole or part, you should not use this Site, and should immediately terminate your registration (if you have signed up) by following the instructions in “Opting-Out of Further Communications:”
What Information We Collect from Clients and How We Collect It
The General Purposes for Which We Use and Disclose the Information
How to Opt-Out of Certain Uses of the Information We Collect
How We Protect Your Information
Short Message Services Statement Notifications Disclosure
Mediation and Binding Arbitration
What Information We Collect from Clients and How We Collect It
Anyone completing and submitting any of the forms (including our newsletter) on the Improve My Credit USA domain is considered a “Registrant.” Improve My Credit USA only collects Personally Identifiable Information that is volunteered during the signup process or in response to specific information requests. Personally Identifiable Information means basic account and profile information entered by or on behalf of a client. This type of information is used to make contact and it includes the following type of information.
First and Last name (middle initial and suffix, if applicable);
Home or Mobile Telephone Number
Current US Mail Address
Credit Report Information
Non-Personally Identifiable Information data is collected by Improve My Credit USA, Inc. and Improve My Credit USA, Inc.’s Partners, and is used by Improve My Credit USA, Inc. for the purpose of online retargeting (described later in detail). Personally Identifiable Information data collected by Improve My Credit USA, Inc. for advertising purposes is completely anonymous, and only includes information such as the Registrant’s IP address, date and time of visit, domain type, and their activity on our Advertiser’s and Partner’s websites. None of this information, individually or grouped together, can be traced back to a specific individual.
In addition, Improve My Credit USA may collect your IP address and information through use of electronic “cookies.” In computer language, a cookie is used to store data on a computer’s hard drive. Almost all websites utilize cookies to one extent or another. Improve My Credit USA, Inc. may use its cookies to provide a service known as retargeting. A Registrant receives a cookie from Improve My Credit USA, Inc. and Improve My Credit USA, Inc.’s partners when they visit www.RepairMyCreditNow.com websites, and/or when they visit one of Improve My Credit USA, Inc.’s other websites. When you register with Improve My Credit USA you automatically consent to registration in all the other online properties in the Improve My Credit USA network (collectively, the “Network Sites”). Accordingly, Improve My Credit USA may share Personally Identifiable Information with the Network Sites.
By providing Personally Identifiable Information and other information to this Site, the Registrant fully understands and unambiguously consents to the collection and processing of such information in, and the transfer of such information to the Network Sites, the United States and other countries or territories, in accordance with the terms of this Policy.
Improve My Credit USA technology utilizes cookies for the delivery of advertisements to our Registrants across the Internet. This form of marketing is called Retargeting; and it enhances the web surfing experience by showing advertisements that are of interest to the Registrants. When a Registrant visits one of Improve My Credit USA, Inc.’s websites, an Improve My Credit USA, Inc. pixel on that site sets a Improve My Credit USA, Inc. cookie on the hard drive of the Registrant. When that Registrant visits one of Improve My Credit USA, Inc.’s Partners’ websites; our Partner’s website will identify the cookie on the hard drive of the Registrant and recognize that they previously visited our websites. The Registrant will then be shown an advertisement. In this instance, Improve My Credit USA, Inc. will know that the Registrant first visited our website, and then our Partner’s website. We will know the Registrant viewed the Ad on our Partner’s website, and whether or not the Registrant clicked on the ad. This type information is what Improve My Credit USA, Inc. uses in reporting; and in no way can be used to identify who that Registrant is, or any other online activities of the Registrant outside of Improve My Credit USA, Inc.’s Partner’s websites.
The General Purposes for Which We Use and Disclose Information
Improve My Credit USA reserves the right to use Registrant Personally Identifiable Information: (1) for the specific purpose for which such information was provided (including matching Registrants with a credit related company or companies); (2) as disclosed at the time such information is provided; and (3) as disclosed in this Policy. However, please note that Improve My Credit USA may change this Policy at any time and therefore Improve My Credit USA may in the future use Registrant Personally Identifiable Information for additional purposes not currently included in this Policy.
Also, Improve My Credit USA may share Registrant Personally Identifiable Information with its partners, sponsors, advertisers, service providers and marketers’ lookup and reference services and any other entities that Improve My Credit USA believes are able to provide Registrants with special offers and opportunities. Note that although Improve My Credit USA advises everyone who receives Registrant Personally Identifiable Information from Improve My Credit USA to support this Policy, Improve My Credit USA has no control over such party’s information handling practices and is not responsible for any failure of such party to adhere to this Policy.
As a condition of registration, Registrants agree that Improve My Credit USA may share their Personally Identifiable Information with the Network Sites and unaffiliated third parties. If you do not agree that Improve My Credit USA may share your Personally Identifiable Information with such entities, you may not register on Improve My Credit USA, and if you are already registered, you must immediately terminate your account, by following the instructions in “Opting-Out of Further Communications.”
Finally, Improve My Credit USA may disclose Registrant Personally Identifiable Information in order to: (1) comply with applicable laws; (2) respond to governmental inquiries; (3) comply with valid legal process; and (4) protect the rights or property of Improve My Credit USA, the Network Sites or other Registrants of this Site.
Third Party Offers:
By registering at Improve My Credit USA you may receive follow-up contacts/offers from third party companies. We cannot be held responsible for the services or representations of third party advertisers.
Links to Other Sites:
Improve My Credit USA contains links to other sites. We are not responsible for the privacy practices or the content of such web sites.
Transfer In Certain Circumstances:
In its sole discretion, Improve My Credit USA may transfer, sell or assign information collected on and through this Site, including without limitation, Personally Identifiable Information and other Registrant-provided information, to one or more third parties, as a result of the sale, merger, consolidation, change in control, transfer of substantial assets, reorganization or liquidation of Improve My Credit USA and/or Network Sites.
How to Opt Out of Certain Uses of the Information We Collect
Improve My Credit USA Registrants may opt-out of receiving further communications from Improve My Credit USA. Registrants may, at any time, choose not to receive promotional emails from Improve My Credit USA or the Network (1) following the “unsubscribe” instructions in any Improve My Credit USA e-mail received by Registrant, (2) by US Mail at 19635 Hwy 59 North Humble, Tx. 77338.
Note that unsubscribing from one email list does not automatically unsubscribe you from any other email list that you may be on. Please read the email carefully to find out which list you are unsubscribing from.
Do Not Call Registry Compliance: By submitting personal contact and/or financial information through http://repairmycreditnow.com, the Registrant hereby grants written permission to Improve My Credit USA, its affiliated sites, and its business partners to contact them via telephone, mail, and/or e-mail. Further, by registering at Improve My Credit USA the Registrant is consenting to receive phone calls from Improve My Credit USA, its affiliated sites, and its business partners for contact via telephone, including but not limited to lenders that may contact the Registrant regarding credit counseling and thereby Registrants waive their right to file a claim with the FTC or any other agency in reference to these calls or contacts.
How We Protect Your Information
IMCUSA safeguards the security of the data you send with physical, electronic, and managerial procedures. This site has security measures in place to protect the loss, misuse, and alteration of the information under our control. Improve My Credit USA regularly reviews these measures to better protect you. We urge you to take every precaution to protect your personal data when you are on the Internet. Change your passwords often, use a combination of letters and numbers, and make sure you use a secure browser.
Legally Compelled Disclosure of Information
IMCUSA may disclose information when legally compelled to do so, in other words, when we, in good faith, believe that the law requires it or for the protection of our legal rights. Privileged information about a client’s case is shared only when required by a court order or with a client’s express, written permission.
Our Company-Wide Commitment To Privacy
To make sure your personal information remains confidential; IMCUSA communicates these privacy guidelines to every IMCUSA employee, staff member, and third-party vendor.
Protection of Minors
IMCUSA does not knowingly solicit personal information from children or send them requests for personal information. Improve My Credit USA or its Network is neither intended for, nor directed to, children under the age of 18. If Improve My Credit USA learns that a person who registers on the Site is under the age of 18, Improve My Credit USA will promptly delete that individual’s registration.
Third-Party Web Site Links
IMCUSA’s web site may contain links to other sites. IMCUSA does not share your personal information with those web sites and is not responsible for their privacy practices. We encourage you to learn about the privacy policies of those companies.
Changes to the Use of Personal Information
If IMCUSA is going to use your personal information differently from that stated at the time of collection, we will attempt to contact you via email using the most recent information we have. If you have not given us permission to communicate with you, you will not be contacted.
Short Message Services Statement Notification Disclosure
This Short Message Services Statement Notifications Disclosure (“Disclosure”) applies Registrants and clients that have submitted your information to Improve My Credit USA, Inc., for which you have elected to receive Short Message Service (“SMS”) messages, AKA text messages.
The words “we,” “us,” and “our” refer to Improve My Credit USA, Inc. along with its subsidiaries and affiliates. The words “you” and “your” mean you, the individual identified on the submission of information that provided to us and any third parties (if applicable). As used in this Disclosure, “SMS Statement Notifications” means any SMS communication (text message) from us to you pertaining to your request for information about our services, or after becoming a client, information about your account, including, but not limited to, updates, required documentation, or other instructions.
By providing a mobile phone number to us, you certify that A) you are the account holder, or B) have the account holder’s permission.
How to UNSUBSCRIBE: You may withdraw your consent to receive SMS Statement Notifications by replying ‘STOP’ at any time to any SMS Statement Notifications received from us. You may also withdraw your consent by emailing us at unsubscribe@IMCUSA dot com. At our option, we may treat your provision of an invalid mobile phone number, or the subsequent malfunction of a previously valid mobile phone number, as a withdrawal of your consent to receive SMS Statement Notifications. We will not impose any fee to process the withdrawal of your consent to receive SMS Statement Notifications. Any withdrawal of your consent to use SMS Statement Notifications will be effective only after we have a reasonable period of time to process your withdrawal.
For HELP on Services, text ‘HELP’ to any SMS Statement Notifications received from us. To request additional information regarding SMS Statement Notifications, email us atinfo@IMCUSA dot comÊor contact us by telephone at 888-469-7372.
Service Availability. Major carriers: AT&T, Verizon Wireless, Sprint, T-Mobile, U.S. Cellular, Alltel, Boost Mobile, Nextel, and Virgin Mobile. Minor carriers: Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Cellular One of East Central IL (ECIT), Cellular One of Northeast Pennsylvania, Cincinnati Bell Wireless, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless).
Hardware and Software Requirements: In order to access, view, and retain SMS Statement Notifications that we make available to you, you must have:
an SMS-capable mobile phone;
an active mobile phone account with a communication service provider;
and sufficient storage capacity on your mobile phone.
Communications in Writing: All SMS Statement Notifications in electronic format from us to you will be considered “in writing.”
Mediation and Binding Arbitration
Visitors to the site and IMCUSA agree that any dispute (contract, warranty, tort, statutory or otherwise), including but not limited to: (a) disputes or claims arising from or related to any this Agreement and any amendment hereto: (b) disputes or claims arising from a representation, omission, promise or warranty allegedly made by or on behalf of IMCUSA; and (c) disputes or claims arising from or related to the Credit Repair Organizations Act (or other applicable federal, state or local law, statute or ordinance), shall first be submitted to mediation and, if not settled via mediation, shall thereafter be submitted to binding arbitration (using a single arbitrator) pursuant to the Federal Arbitration Act or, if applicable, similar state statute, and not by or in a court of law. All decisions respecting dispute arbitrarily shall be decided by the arbitrator. The arbitrator shall issue a binding written decision resolving all issues of law and fact. The arbitrator may award the prevailing party, if any, as determined by the arbitrator, all or any portion of its costs and fees. “Costs and fees” may include reasonable expenses, including mediator / arbitrator fees, administrative fees, travel expenses, out-of-pocket expenses, witness fees and reasonable attorney’s fees. Arbitration shall take place pursuant to the American Arbitration Association Commercial Arbitration Rules. If any conflict exists between this Agreement and such procedures, the provisions of this Agreement shall control. If the parties cannot agree upon a mediator and/or arbitrator, either party may petition a court of general jurisdiction in Collin County, Texas to appoint a mediator and/or arbitrator. Such action shall not constitute waiver of the right to enforce binding arbitration. The parties agree that notwithstanding anything to the contrary, the rights and obligations in this mediation-arbitration provision shall survive (1) termination of this Agreement by either party; or (2) default of this Agreement by either party. Given that this Agreement provides for mandatory mediation and arbitration, if any party commences litigation in violation of this provision, such party shall reimburse the other parties to the litigation for the costs and expenses, including attorneys’ fees, incurred in seeking to abate such litigation and compel arbitration.