Innovative Credit Consultants, Inc. Customer Privacy Policy
Protecting your privacy is extremely important to Innovative Credit Consultants, Inc.. We strive to keep your personal information confidential. Please take a moment to read the Privacy Policy to ensure that you are aware of and understand how we handle your personal information.
Why we collect personal information
We collect personal information to enroll you in our service. The information we require is the absolute minimum necessary. Innovative Credit Consultants, Inc. uses your personal information to provide you with superior client services, and to communicate with you regarding your case. In addition, we use your personal information to keep you up to date on the latest service announcements, feature updates, special offers, and other information we think you would like to hear about. From time to time, we may also use your personal information in order to contact you regarding participation in a market research survey, so that we can gauge client satisfaction and improve our services further. Should you begin, but not complete, the sign up process, Innovative Credit Consultants, Inc. may use your personal information to contact you regarding your experience at the web site, and may talk to you about enrolling in our service.
How we collect personal information
We collect information about you: (i) that you submit during the sign up process for our service, and (ii) any time we enter information from your credit report into our database. In addition, when you sign up for a new Innovative Credit Consultants, Inc. service, or ask to be included in an email mailing list, we collect and store the information you provide in a secure database.
When we disclose personal information
The ability to communicate with our clients during any part of the credit recovery process is absolutely essential, and your personal information may be shared with other Innovative Credit Consultants, Inc. employees. They will protect your personal information in accordance with the Innovative Credit Consultants, Inc. Customer Privacy Policy. We will not share your personal contact information with other unattached companies or third parties unless you specify otherwise.
Innovative Credit Consultants, Inc. does work with other companies that help us provide services to you, and we may provide your personal information to these companies. For example, should we need to forward written documents to you, we give shipping companies this information so they can deliver more efficiently. The information they receive is for shipping and delivery purposes only, and we require that the companies safeguard your personal information in accordance with Innovative Credit Consultants, Inc.'s policies.
How Do We Protect Your Personal Information?
Innovative Credit Consultants safeguards the security of the data you send us with physical, electronic, and managerial procedures. 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.
The Innovative Credit Consultants, Inc. website uses industry-standard Secure Sockets Layer (SSL) encryption on all web pages where personal information is required. To sign up for Innovative Credit Consultants service, or to log into the client section of the website, you must use an SSL-enabled browser such as Netscape Navigator 3.0 or later, or Internet Explorer. This protects the confidentiality of your personal and credit card or checking account information while it is transmitted over the Internet.
Information We Collect and How We Use It
Innovative Credit Consultants, Inc. collects certain information from and about its users three ways: directly from our Web Server logs, the user, and with Cookies that a Web Server Logs.
When you visit our Website, we may track information to administer the site and analyze its usage. Examples of information we may track include:
· Your Internet protocol address.
· The kind of browser or computer you use.
· Number of links you click within the site.
· State or country from which you accessed the site.
· Date and time of your visit.
· Name of your Internet service provider.
· Web page you linked to our site from.
· Pages you viewed on the site.
Use of Cookies
Innovative Credit Consultants, Inc. may use cookies to personalize or enhance your user experience. A cookie is a small text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a Web Server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save you time. For example, if you personalize a web page, or navigate within a site, a cookie helps the site to recall your specific information on subsequent visits. This simplifies the process of delivering relevant content and eases site navigation by providing and saving your preferences andLogin information as well as providing personalized functionality.
Innovative Credit Consultants, Inc. reserves the right to share aggregated site statistics with partner companies, but does not allow other companies to place cookies on our website unless there is a temporary, overriding customer value.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you reject cookies by changing your browser settings then be aware that this may disable some of the functionality on our Website.
Personal Information Users
Visitors to our website can register to purchase services. When you register, we will request some personal information such as name, address, email, telephone number or facsimile number, account number and other relevant information. If you are purchasing a service, we will request financial information. Any financial information we collect is used only to bill you for the services you purchased. If you purchase by credit card, this information may be forwarded to your credit card provider. For other types of registrations, we will ask for the relevant information. You may also be asked to disclose personal information to us so that we can provide assistance and information to you. For example, such data may be warranted in order to provide online technical support and troubleshooting.
We will not disclose personally identifiable information we collect from you to third parties without your permission except to the extent necessary including:
· To fulfill your service requests for services.
· To protect ourselves from liability,
· To respond to legal process or comply with law, or
· In connection with a merger, acquisition, or liquidation of the company.
Use of Web Beacons or GIF files
Innovative Credit Consultants, Inc.'s web pages may contain electronic images known as Web beacons - sometimes also called single-pixel gifs - that allow Innovative Credit Consultants, Inc. to count users who have visited those pages and to deliver co-branded services. Innovative Credit Consultants, Inc. may include Web beacons in promotional e-mail messages or newsletters in order to determine whether messages have been opened and acted upon.
Some of these Web beacons may be placed by third party service providers to help determine the effectiveness of our advertising campaigns or email communications. These Web beacons may be used by these service providers to place a persistent cookie on your computer. This allows the service provider to recognize your computer each time you visit certain pages or emails and compile anonymous information in relation to those page views, which in turn enables us and our service providers to learn which advertisements and emails bring you to our website and how you use the site. Innovative Credit Consultants, Inc. prohibits Web beacons from being used to collect or access your personal information.
Opt-Out Policy
Once we have begun working for a client, they can cancel at any time. However, for such a cancellation, we do recommend that you contact us by phone at 888-96-SCORE (967-2673).
Further, once a user visits our site and either registers with us, emails us with a request for more information or actual credit repair assistance, or joins our mailing list, they will receive such mailings and notifications. However, you can remove your name from these types of correspondence listings by emailing us directly.
Our Personal, Company-Wide Commitment to Privacy
To make sure your personal information remains confidential, we communicate these privacy guidelines to every Innovative Credit Consultants, Inc. employee and staff member.
Innovative Credit Consultants, Inc. does not knowingly solicit personal information from children or send them requests for personal information.
Innovative Credit Consultants, Inc.'s website may contain links to other sites. Innovative Credit Consultants, Inc. 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.
If we are going to use your personal information differently from that stated at the time of collection, we will 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, nor will we use your personal information in a new manner.
The Innovative Credit Consultants, Inc. Customer Privacy Policy is subject to change at any time. We encourage you to review the privacy policy regularly for any changes. If you have any questions, concerns, or comments about the Privacy Policy, please feel free to contact us.
Toll-free at 888-96-SCORE (967-2673)
Phone 845-369-1818 Fax 866-95-SCORE (957-2673)
Email at info@icreditinc.com
Innovative Credit Consultants
2 Executive Blvd.
Suite 301
Suffern, NY 10901
