Privacy, Terms & Conditions, and SMS Agreement

Credit Snitch LLC Privacy Statement
Last Updated on August 25, 2024

PRIVACY STATEMENT

Thank you for visiting the online and mobile resources published by Credit Snitch LLC. This privacy statement provides detailed information about the types of personal information we collect, how we use it, who we share it with, and the measures we take to protect it. We encourage you to review the full statement carefully. Below is a quick overview.

What Do We Collect?

We collect two types of information:

Non-personal information: Automatically collected from each visitor, such as your device's operating system.
Personal information: Information you voluntarily provide or that is automatically collected.

Why Do We Use It?

We use non-personal information to manage and improve our online and mobile resources and make business decisions. Personal information is used to respond to your inquiries, provide services, and for other purposes detailed below. We do not sell or rent your personal information to third-party vendors or marketing companies. However, we disclose information when required by law.

When Do We Share It?

We share personal information as needed to fulfill legal obligations and when our vendors and business partners require it under our contracts. We do not sell or rent your personal information to third-party data brokers or marketing companies.

Your Privacy Choices and Rights

You are not required to provide personal information to use most features of our online and mobile resources. You can also opt-out of certain activities, such as newsletters and announcements. Depending on your jurisdiction, you may have additional rights under applicable data protection laws.

Contacting Us

Questions about this privacy statement can be directed to:

Credit Snitch LLC
ATTN: Legal & Compliance Department
610 E Zack Street, Ste. 110, Tampa, FL 33602
Email: compliance@creditsnitch.com
Phone: 347-252-8114

The English version of this privacy statement is the controlling version regardless of any translation.

Credit Snitch LLC ("we," "us," or "our") thanks you for visiting our online and mobile resources. We use "you" and "your" to refer to the reader and other visitors to our resources, who must be over 13 years old. This privacy statement explains the types of personal information we collect, how we use it, who we share it with, and how we protect it.

Who We Collect Personal Information From

We may collect personal information from the following groups:

Visitors to and users of our online and mobile resources
Our customers
Current workforce members and job applicants
Third-party vendors and business partners

Personal information generally means information that can identify you or be easily linked to you (e.g., name, address, email, etc.). Depending on the applicable privacy laws (like the California Consumer Privacy Act "CCPA" or the European General Data Protection Regulation "GDPR"), the term "personal information" may include additional elements.

What We Collect

There are two types of information we collect:

Non-personal information: Automatically collected from each visitor, such as your device's operating system.
Personal information: Voluntarily provided information or automatically collected information.

When you use our online and mobile resources or purchase our products or services, you agree that we may use and disclose your information as described in this privacy statement.

Voluntarily Submitted Information

Examples of how we collect and use voluntarily provided personal information include:

Emails and Online Forms: When you contact us via email or online forms, your email address and any other personal information you provide will be retained and used to respond to your inquiries.
Registering for an Account: When you register for an account, we collect personal information such as your name and email address to create and manage your account.
Registering for Events: When you register for events, we may collect identifiers such as your name, email, and financial information to process your registration.
Subscribing to Our Service: We use customer information to fulfill our contractual obligations and provide requested services.
Social Media and Community Features: Information posted on social media or community features may become public and is not covered by this privacy statement.

Automatically Collected Information

Basic information is passively collected when you visit our online and mobile resources, including:

Domain name and IP address
Browser type and operating system
Date, time, and length of visit
Specific pages visited and documents downloaded
Links used to access or leave our online resources

Data Retention

We retain your personal information in accordance with applicable law and as long as necessary to fulfill the purposes outlined in this statement.

External Sites, Apps, Links, and Social Media

We maintain a presence on social media platforms and our resources may link to external sites and apps. We are not responsible for the privacy practices or content of these external platforms.

When/With Whom Do We Share Personal Information

We share information as necessary to fulfill legal obligations and with vendors and business partners under our contracts. We do not sell or rent personal information to third-party data brokers or marketing companies.

Legally Compelled Disclosures

We may disclose your information, including personal information, to government authorities or other third parties when required by law.

To Prevent Harm

We may disclose your information, including personal information, when we have reason to believe that someone is causing injury to or interference with our rights or property, other users of our online and mobile resources, or anyone else that could be harmed by such activities.

Business Transfer

If we or any of our affiliates, or substantially all of their assets, are acquired by one or more third parties as a result of an acquisition, merger, sale, reorganization, consolidation, or liquidation, personal information may be one of the transferred assets.

Vendors and Business Partners

We may share your information, including personal information, with our vendors and other third parties with whom we have a contractual relationship. We may also share your information with vendors who provide third-party software services that you have chosen to assist with your sales funnels. We do our best to disclose only the information these parties need.

We have adopted standards for those vendors and business partners who receive personal information from us. We attempt to bind such vendors and business partners to those standards via written contracts. We further attempt to contractually restrict what our vendors and business partners can do with the personal information we provide to them, such that it is used only to the extent necessary to carry out the business purpose for which it was provided, is not disclosed to anyone else without our consent or under our instruction, remains, as between us and the applicable vendor or business partner, our property, and is not transferred out of the United States without our consent.

Please note, however, that we cannot guarantee that all of our vendors and business partners will agree to these contractual requirements; nor can we ensure that, even when they do agree, they will always fully comply.

Your Rights and Options

You can choose not to provide personal information, but doing so may limit some features of our online and mobile resources. Additionally, you can opt out of activities like newsletters and announcements. Data subjects in certain locations, or whose personal data was obtained while they were in certain locations, may have additional rights pursuant to applicable data protection laws.

GDPR Jurisdictions means the countries composed of the European Economic Area, the United Kingdom, Switzerland, and Japan, which have received an “adequacy decision” from the European Commission and adhere to the material terms of the GDPR.

If we are using personal information you provided to us to send materials, such as newsletters or product alerts via text or email, and you decide you don’t want to receive such materials, you may opt out by following the opt-out instructions in the email or other communication (e.g., by responding to the text with “STOP”), or by contacting us using the contact information below. When we receive your request, we will take reasonable steps to remove your name from our distribution lists. It may take a period of time to remove your name from our lists after your request, so you may still receive materials for a period of time after you opt out. Additionally, you have the ability to access, amend, and delete your personal information by contacting us using the contact information below.

Children’s Privacy

Federal laws impose special restrictions and obligations on commercial website operators who direct their operations toward, and collect and use information from, children under the age of 13. We take those age-related requirements very seriously, and, consistent with them, do not intend for our online and mobile resources to be used by children under the age of 13 without first obtaining the verifiable consent of such child’s parent or legal guardian. Moreover, we do not knowingly collect personal information from minors under the age of 13. Only a parent or legal guardian may provide such information after adhering to our verification process for submitting such information via the online and mobile resources. If we become aware that anyone under the age of 18 has submitted personal information to our online and mobile resources without such parental or legal guardian approval, and that is not integral to accessing or using our services, we will delete that information and will not use it for any purpose whatsoever. If you believe that someone under the age of 18 has submitted personal information to our online and mobile resources, please contact us at [Email Address]. We encourage parents and legal guardians to talk with their children about the potential risks of providing personal information over the Internet.

How We Protect Collected Personal Information

We will take all reasonable security precautions to protect your personal information provided to our online and mobile resources. We have adopted a security program that includes technical, organizational, administrative, and other security measures designed to protect, in a manner consistent with accepted industry standards and applicable law, against anticipated or actual threats to the security of personal information (the “Security Program”). We cannot, however, guarantee that your information, whether during transmission or while stored on our systems or otherwise in our care, will be free from unauthorized access or that loss, misuse, destruction, or alteration will not occur. Except for our duty to maintain the Security Program under applicable law, we disclaim any other liability for any such theft or loss of, unauthorized access to, or damage to, or interception of any data or communications, including personal information. We believe our Security Program is reasonable and appropriate for our business and the nature of foreseeable risks to the personal information we collect. We periodically review and update our Security Program, including as required by applicable law.

Nonetheless, as part of our Security Program, we have specific incident response and management procedures that are activated whenever we become aware that your personal information was likely compromised. We also require, as part of our vendor and business partner oversight procedures, that such parties notify us immediately if they have any reason to believe that an incident adversely affecting personal information we provided to them has occurred.

U.S. State Privacy Laws

This section applies to visitors, users, and others who reside in California, Virginia, Colorado, Connecticut, Utah, Texas, and Oregon, USA. When we collect personal information from residents of these states, where applicable, we become subject to, and those residents have rights under, U.S. state-level data privacy laws, such as the California Consumer Privacy Act (“CCPA”), as amended (collectively, "State Data Privacy Laws"). This section of our statement allows us to fulfill our obligations under State Data Privacy Laws and explain your CCPA rights. For purposes of this section, “Personal Information” has the meaning given in these State Data Privacy Laws.

What We Collect from Residents of California, Virginia, Colorado, Connecticut, Utah, Texas, and Oregon

The chart below summarizes how we collect, use, and share various categories of your Personal Information, indicating the sources from which we collect Personal Information, the business purposes for which Personal Information is collected and/or shared, and the categories of third parties with whom Personal Information is shared, describing our practices during the 12 months preceding the effective date of this Privacy Statement. We will not collect additional categories of Personal Information or use the Personal Information we collected for materially different, unrelated, or incompatible purposes without providing you notice and obtaining your consent where required by law.

In the past 12 months, we shared or disclosed all of the categories of Personal Information listed below for the business purposes specified.

Category of Personal Information CollectedSources of Personal InformationBusiness Purpose For Collecting/Sharing Personal InformationShared/disclosed with third party categories

Identifiers (real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, or other similar identifiers)You or your agent, AffiliatesVerify your identity, create and maintain your account/profile, provide customer service, process and fulfill your transactions, process payments on your transactions, provide and improve our website, personalize your website experience, advertise and market our products and services, detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity1, 2, 3, 4

Personal Information categories (Cal. Civ. Code § 1798.80(e)) (name, signature, address, telephone number, insurance policy number, medical information, or health insurance information)You or your agent, AffiliatesVerify your identity, create and maintain your account/profile, provide customer service, process and fulfill your transactions, process payments on your transactions, provide and improve our website, personalize your website experience, advertise and market our products and services, detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity1, 2, 3, 4

Protected classification characteristics under state or federal law (age (40 years or older), race, national origin, citizenship, religion, marital status, medical condition, disability, sex/gender, sexual orientation, veteran or military status, familial genetic information)You or your agent, Affiliates Verify your identity, create and maintain your account/profile, provide customer service, process and fulfill your transactions, process payments on your transactions, provide and improve our website, personalize your website experience, advertise and market our products and services, detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity1, 2, 3, 4

Commercial Information (records of personal property, products or services purchased, considered, or other purchasing or consuming histories or tendencies)You or your agent, Affiliates Verify your identity, create and maintain your account/profile, provide customer service, process and fulfill your transactions, process payments on your transactions, provide and improve our website, personalize your website experience, advertise and market our products and services, detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity1, 2, 3, 4

Biometric information (genetic, physiological, behavioral, and biological characteristics) N/AN/AN/A

Internet or other similar network activity (browsing history, search history, information on a consumer's interaction with a website, application, or advertisement)You, automated technical means Verify your identity, create and maintain your account/profile, provide customer service, process and fulfill your transactions, process payments on your transactions, provide and improve our website, personalize your website experience, advertise and market our products and services, detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity1, 2, 3, 4

Geolocation Data (physical location or movements) Automated technical means Verify your identity, create and maintain your account/profile, provide customer service, process and fulfill your transactions, provide and improve our website, personalize your website experience, advertise and market our products and services, detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity1, 2, 3, 4

Audio, electronic, visual, thermal, olfactory, or similar and improve our website, personalize your website experience, advertise and market our products and services, detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity1, 2, 3, 4

Professional or employment-related information (current or past job history or performance evaluations)You or your agent, Affiliates Verify your identity, create and maintain your account/profile, provide customer service, process and fulfill your transactions, process payments on your transactions, provide and improve our website, personalize your website experience, advertise and market our products and services, detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity1, 2, 3, 4

Non-public education information (personally identifiable information as defined in the Family Educational Rights and Privacy Act, 20 U.S.C. section 1232g, 34 C.F.R. Part 99 (e.g., student financial information, student identification number) You or your agent, Affiliates Provide and improve our website, personalize your website experience, advertise and market our products and services, detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity1, 2, 3, 4

Inferences drawn from other personal information (profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes) You or your agent, Affiliates Provide and improve our website, personalize your website experience, advertise and market our products and services, detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity1, 2, 3, 4

Sensitive personal information (social security, driver’s license, state identification card, or passport number; account login, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; precise geolocation; racial or ethnic origin; religious or philosophical beliefs; union membership; contents of a consumer's mail, email, and text messages unless the business is the intended recipient; genetic data; processing of biometric information for the purpose of uniquely identifying a consumer; personal information collected and analyzed concerning a consumer's health; personal information collected and analyzed concerning a consumer's sex life or sexual orientation)You or your agent, Affiliates Provide and improve our website, personalize your website experience, advertise and market our products and services, detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity1, 2, 3, 4

Advertising networks
Data analytics providers
Social networks
Service providers

Selling Personal Information

We do not and will not sell any personal information collected through our online and mobile resources to third parties.

Sharing Personal Information for Business Purposes

We share your personal information with service providers, which includes “sharing” as defined by certain State Data Privacy Laws. The personal information shared for business purposes is listed in the chart above and includes all categories of personal information we have collected from you.

SMS Consent

By providing us with your mobile phone number, you consent to receive SMS messages from Credit Snitch LLC regarding updates, promotions, and other information related to our services. These messages may include important account notifications and marketing communications.

Opt-Out

You can opt out of receiving SMS messages at any time by replying "STOP" to any message you receive from us or by contacting us at support@creditsnitch.com. Standard message and data rates may apply.

Liability

Credit Snitch LLC is not responsible for any delays or failures in receiving SMS messages. You are responsible for any charges incurred by your mobile carrier related to these messages.

Right to Limit Use and Disclosure of Sensitive Personal Information

Where applicable by law, we only use or disclose sensitive personal information for the business purposes listed above in the chart. If we use or disclose your sensitive personal information in a manner inconsistent with the list above, we will ask for your consent prior to doing so. We do not use or disclose sensitive personal information for purposes other than those which cannot be limited under the applicable law, such as providing services that you request.

Do Not Sell or Share My Personal Information

Certain State Data Privacy Laws give you the right to opt out of the sale of personal information or the sharing of personal information for targeted advertising purposes.

California Residents

If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. California's "Shine the Light" law (Civil Code Section § 1798.83) permits users of our website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to compliance@creditsnitch.com.

California residents may also have additional rights pursuant to the CCPA, as amended, such as the right to limit the use and disclosure of sensitive personal information. We will continue to review and update our practices as new rules and regulations are implemented under the CCPA.

Virginia, Colorado, Connecticut, Utah, Texas, and Oregon Residents

If you are a Virginia, Colorado, Connecticut, Utah, Texas, or Oregon resident, you may have additional rights under the applicable State Data Privacy Laws. Please contact us for more information on your additional rights under these laws.

Florida Jurisdiction and Arbitration

This Privacy Policy and Terms of Conditions agreement shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. By using our online and mobile resources, you agree that any legal action or proceeding between you and us for any purpose concerning this Privacy Policy or the parties' obligations hereunder shall be brought exclusively in a federal or state court of competent jurisdiction sitting in the State of Florida.

Arbitration Agreement

Any dispute, controversy, or claim arising out of or relating to this Privacy Policy and Terms of Conditions, including but not limited to its interpretation, performance, or breach, shall be resolved through final and binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in Florida, and judgment on the arbitration award may be entered in any court having jurisdiction thereof.

You agree to waive your right to a jury trial and any right to participate in a class action lawsuit or class-wide arbitration. All claims and disputes within the scope of this arbitration agreement must be arbitrated on an individual basis and not on a collective or class basis.

Opt-Out

You may opt out of this arbitration agreement by sending written notice of your intention to opt out within 30 days of your first use of our online or mobile resources. The opt-out notice must be sent to [Company's Legal Department address or email].

Changes to this Privacy Statement

We reserve the right to amend this Privacy Statement at any time. We will notify you of any changes by updating the “Last Updated” date at the top of this Privacy Statement. Please review this Privacy Statement periodically for any updates.

If you have any questions or comments about this Privacy Statement, the ways in which we collect and use your information described here and in our Terms of Use, or your choices and rights regarding such use, please do not hesitate to contact us at:

Credit Snitch LLC
ATTN: Legal & Compliance Department
610 E Zack Street, Ste. 110, Tampa, FL 33602
Email: compliance@creditsnitch.com
Phone: 347-252-8114