What This Policy Covers
What Information We Collect
There are three main ways we collect information about you: when you give it to us, with automatic technologies and when we ask others for it.
Information You Provide to Us
We may ask you to provide certain information to us through various forms, features or other means throughout our Services. These means include, for example, our credit report process, data collection forms for personalized features, and feedback forms where you send us comments, questions or other feedback.
The types of information we may collect from you include your name, address, email address, and phone number. We may also collect information about you or your household, income, assets (such as home or vehicle), and what types of financial products you’re interested in.
Information We Automatically Collect
In addition to information you provide to us, we automatically collect certain information about how you access and interact with our Services (“Usage Information”). This Usage Information is a key part of how we improve your Credsii experience and provide more personalized insights and recommendations. We and service providers may use various technologies to collect, use and store Usage Information in connection with our Services. These may include things like cookies, browser web storage (e.g., HTML5), web beacons and similar technologies. There are three types of Usage Information we may collect:
Device Information This is information about how you access our Services, such as the operating system, hardware model, application or browser type and version, and unique identifiers associated with your device. We may also integrate with built-in device features.
Log Information There are certain pieces of information we automatically collect in system logs or similar files about how you interact with our Services, such as which features you visit or click on. This Log Information may also include things like your IP address, browser or device configuration, date and time of access and cookie information.
Location Information We may use certain information like your IP address or other Device Information or Log Information to estimate your location (e.g., your city or province). We may also request to use location-enabled services on your device (which typically provide GPS or Wi-Fi access point details) to enhance our Services. We will only use these location-enabled services on your device with your consent, though.
Information Third Parties Provide About You
Many of our features rely on information about you that we collect from third parties with your consent or where otherwise permitted or required by law. This information includes, for example, the free credit reports and credit score range we request on your behalf from our credit bureau, however, we do not store this information and do not have access to it after we display it to you.
We may also work with third party data partners to supplement the Usage Information and other information we collect directly from you. These data partners may provide additional information about your household and financial profile beyond what we have collected from you, such as income, demographic, asset and public record information. In addition, our business partners may provide us with information about special offers available based on your credit profile so that we can give you more personalized recommendations. We might also collect information from other users like you through things like a member referral program.
How We Use the Information We Collect
We use the information we collect from you (including automatically) and third parties to operate our Services, communicate with you, conduct research and development to improve or enhance our Services and our users’ experience, and promote our Services. These are a few specific examples of how we use the information we collect for these purposes:
Providing features like your free credit score range. When you request a credit check, we use the personal information you provide in order to provide you free credit score range from our credit bureau partner. In addition, Credsii offers more than free credit score range, and the information we collect as you use our Services may also go into developing and bringing you other features like personalized offer recommendations.
Improving our recommendations and insights. The information we collect also helps us tailor our content and improve the way we match you to recommended offers. We’re constantly working on ways to better identify and present the information that’s most relevant to you.
Communicating with you. We may use information we collect to provide you with support or to send you things like service-related announcements, credit monitoring alerts, recommendations, offers from our business partners and other updates or promotions. Most of the time we’ll communicate with you by email, but we may also send you push notifications or even snail mail. For information on how to adjust your communications preferences, check out our aptly named “Communications Preferences” section below.
Legal reasons. We reserve the right to access, use, preserve, transfer or disclose, at any time without notice to you, any information (including personal information) as reasonably necessary to:
Comply with any applicable law, regulation, subpoena or legal process, or respond to any governmental requests and cooperate with law enforcement, if we believe such action is required or permitted bylaw;
Enforce our Terms of Service, including investigating any potential violations;
Protect the safety, integrity, rights or security of our members, our Services or equipment, or any third party; or Detect, prevent or otherwise address fraud, security or technical issues related to our Services or our business partners.
When We Share the Information We Collect
We do not share your credit score range with third parties (except agents acting on our behalf) and we do not store credit score range after they have been presented to you.
We do not sell or rent personal information to third parties for their advertising or marketing lists.
We may share information about you, including personal information, with third parties in the following circumstances:
Our business partners when you ask for their services. We may also give you opportunities to interact with third party business partners through our Services (for instance, when you submit a loan application that we pre-populate with your information). In these situations, we will either tell you we’ll be sending your information before we do so or we will send you to the business partner’s site or platform for you to provide the information directly to them. Remember that any information you provide to the third-party business partner, whether through us or on your own, will be subject to their privacy practices and terms and conditions.
When you publicly post the information. As part of our Services, we may provide opportunities for you to publicly post reviews, questions, comments, suggestions or other content, which may include personal information like your name. Anything you share in a public forum is, obviously, public, so think carefully about what you decide to share.
As Part of a Corporate Change. We may disclose and transfer information about you to a third party or an affiliate as part of, or in preparation for, a change of control, restructuring, corporate change, or sale or transfer of assets. If such a business transfer results in a material change in the treatment of your personal information, you will be notified by e-mail (using the primary email address on your account) or by a prominent notice on our site.
For Legal Reasons. We reserve the right to transfer or disclose information about you to third parties for certain legal purposes.
With Your Consent. We may also share your personal information in other circumstances with your consent or where permitted or required by law.
Accessing and Updating Your Information
You are responsible for maintaining the accuracy of the information you provide to us. If you would like to request access to or correction of your personal information, you may also submit a written request to our Privacy Officer using the contact information provided in the “More Information” section below.
Please note that all of the credit score ranges we display comes straight from our credit bureau partner. If you notice inaccuracies or errors in your credit report, you may need to file a dispute with the credit bureau to correct them.
You can manage your communications preferences by visiting your account profile. For example, you can choose which types of monitoring alerts you want to receive. We’ll also include "unsubscribe" instructions in any marketing emails. Technology moves fast, so the types of communications and communication preference options might change from time to time.
Our Interest-Based Advertisement Practices
Advertising Service Providers
Disclosure Regarding Google Analytics Advertising Features
In addition to services from other Advertising Service Providers, we use the following Google Analytics Advertising Features as part of our marketing analytics and advertising: Remarketing with Google Analytics, Google Display Network Impression Reporting, DoubleClick Platform integrations and Google Analytics Demographics and Interest Reporting. We may also use other services provided by Google Analytics from time to time. Google provides users an opportunity to opt-out of the Google Analytics Features through Google’s Ads Settings and their web browser opt-out plugin (https://tools.google.com/dlpage/gaoptout/). For additional information on opting out of interest-based ads by Google, visit https://support.google.com/ads/answer/2662922?hl=en&ref_topic=2941003 .
Do Not Track Signals
At this time, we do not respond to automated signals regarding tracking mechanisms, including “do not track” instructions from your browser. Please note that blocking cookies may affect your browsing experience on many sites and may limit your ability to use certain features of our Services, including many of the personalized features we provide for our members.
Our Security Practices
Credsii maintains physical, electronic, administrative and procedural safeguards intended to protect the confidentiality of personal information that we collect about you. Read more about our Security Practices.
If you have any questions about security on our Services, you can send an email to us at firstname.lastname@example.org.
Want More Information?
Thanks for taking the time to read through all this. If you have questions regarding this policy or privacy practices at Credsii, you can email us at email@example.com or write to us at:
Credsii Inc. Attention: Privacy Officer, 300-192 Dundas Street, London, Ontario, Canada N6A 1G7.