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20/20 Credit – Privacy Policy

 

Effective Date: October 17, 2016

 

At 20/20 CREDIT we are committed to making your customer journey as smooth and seamless as possible. We create custom experiences tailor-made for each customer that uniquely addresses each individual’s specific needs. To accomplish this, we collect your personal information to build a profile which enables us to support our Products and Services and provide you with recommendations based upon your personal objectives. We value our customers and your trust in us, especially when you share your personal information with us. We understand that the privacy and security of that personal information is important to you and we take our obligations to protect the privacy and security of your data very seriously.

 

Please carefully read our Privacy Policy to understand how 20/20 CREDIT will gather and handle the information you provide. This Privacy Policy is subject to change at any time. We encourage you to reference our website (www.2020Credit.com) for the latest version. In addition, please review our Terms of Use, which, along with your Credit Services Agreement, governs your use of our Services. Our Products and Services are intended for users located in the United States. Should you have questions regarding our Privacy Policy or practices, please contact us at compliance@2020credit.com.

 

Information We Collect

We call personal information “customer data” or just “data”. This policy describes the customer data we collect and how we use, share and protect that data. We collect both personal and non-personal information to ensure we are able to deliver our Products and Services and provide the best user experience possible. If your relationship with us ends, we will continue to handle your data in accordance with this Privacy Policy.

 

We collect the following types of customer data:

 data  typical sources
 Personally Identifiable Information or “PII” means certain personally identifiable information and is defined as full name, home address, billing address, email address, telephone number, social security number, date of birth, and employment information.  From you directly, when you submit applications and forms and engage in communications with us. We may also receive this data from third parties such as credit reporting agencies or referring companies who have referred you to our services.
 If you purchase our Products or Services, we collect information about the purchase or transaction. This includes your payment information, such as your credit or debit card number, expiration date, and other card information, and other account and authentication information, as well as billing, shipping and contact details.  From you directly, when you submit applications and initiate a service contract with us or engage in communications with us.
 Third party information such as your credit report and credit history, credit score and other third party information that allows us to provide you with the best consumer experience and Products and Services  From you directly, from the credit reporting agencies including Experian, Equifax and Transunion or from other third party data sources who supply consumer information.
 Device and browser information such as IP address, device identifier and browser type. Location information (if you have consented to provide this information), information gather from our mobile application and through cookies.  This information is collected automatically through certain technologies that collect information about how you interact with our website and online Products and Services.

 

 

Information We Collect As You Access Our Services

In addition to any Personally Identifiable Information or other information that you choose to provide to us, we and our third-party service providers may use a variety of technologies to automatically collect certain information about how you access or interact with our products and services. You may decline to provide personal information to us and/or refuse cookies in your browser, although some features or services may not be available to you or may not function properly as a result.

 

Cookies: When you visit www.2020Credit.com, we may collect general Internet data, including your IP address, the webpage from which you entered our site, which of our webpages you visited, and how long you spend on each page. To collect this information, when you visit our website, a “cookie” may be set on your computer. Cookies contain information that allows 20/20 CREDIT to recognize you whenever you visit. We use the information we collect to study how this website is used, so that we may improve and enhance your online experience. We do not provide this information to outside parties other than for such reasons. No personal information is stored in cookies.

 

Disabling Cookies: Your browser software can be set to reject all cookies or to accept cookies only from our site. Most browsers offer instructions on how to set the browser to reject cookies in the "Help" section of the toolbar. If you reject our cookies, you may not be able to log in or use certain functions and conveniences of our site.

 

Do Not Track Signals: 20/20 CREDIT does not respond to web browser-initiated “do not track” signals as such signals are not standard at this time.

 

Advertising Service Providers: We may work with third-party advertising networks, marketing partners, publishers and other entities to perform analytics and advertise our Products and Services on websites not affiliated with us. In connection with these advertising services, we or our providers, like Google Analytics (discussed below) may use cookies, web beacons, and similar technologies to collect behavioral information about how you use our site or other websites in order to perform tracking and marketing analytics or serve advertisements that are more likely to be of interest to you. Our providers may permit you to opt-out of all or some interest-based advertisements on designated websites. For example, many of our providers participate in the Network Advertising Initiative opt-out program or Digital Advertising Alliance opt-out program.

 

Google Analytics Advertising Features: In addition to services from other providers, we utilize the following Google Analytics Advertising Features as part of our marketing analytics and advertising: Remarketing with Google Analytics, Google Display Network Impression Reporting, 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 optout of the Google Analytics Features through Google’s Ads Settings and their web browser optout plugin. For additional information on opting out of interest-based ads by Google, visit here.

 

Making Changes to Your Personally Identifiable Information

You agree that you are solely responsible for accuracy of the Personally Identifiable Information you provide to 20/20 CREDIT. If you wish to review the Personally Identifiable Information you have provided you can log in to your 20/20 CREDIT account and review your account information. You can change your Personally Identifiable Information by calling 1-844-780-2140.

 

How We Use the Information We Collect

We use the information we collect to provide and improve our Products and Services and to improve your user experience. For example, we may use your personal information to send you push notifications via our mobile application regarding the Product or Service you use or to alert you to other service announcements such as notification of our welcome message.

 

By using our Products and Services, you consent to the collection and use of this information and thereby agree to be bound by these terms. If you elect to provide 20/20 CREDIT with Personally Identifiable Information, you allow us to use this Information in accordance with the Terms of Use and this Privacy Policy.

 

There are some aspects of our website that you can participate in without providing us with Personally Identifiable Information. However, many of our Services require you to provide Personally Identifiable Information in order to take advantage of our Services at 20/20 CREDIT.

 

By accepting our Terms of Use and Privacy Policy, you agree and authorize 20/20 CREDIT to retain a copy of all such Personally Identifiable Information received, including the information you submit through the initial registration form or that is provided to 20/20 CREDIT throughout the course of our relationship. You further authorize 20/20 CREDIT to use this customer profile information to match with relevant Product and Services offered by 20/20 CREDIT.

 

You understand that you are providing written instructions in accordance with the Fair Credit Reporting Act and other applicable laws to authorize 20/20 CREDIT to request and receive information on your behalf from third parties, including but not limited to a copy of your consumer credit report and score from consumer reporting agencies, at any time for so long as your 20/20 CREDIT account is active.

 

Sharing Data With Our Partners And Affiliates

We strive to improve your experience and our Services by working with third party partners who offer additional products and services that may be of interest to you. Under no circumstance will 20/20 CREDIT share your Personally Identifiable Information (“PII”) with any external partners or entities without your explicit permission.

 

20/20 CREDIT will not release your Personally Identifiable Information to third parties except as necessary to provide Services you originally requested or as permitted by law. For example, when you register for our Service, we ask for your consent to share your Personally Identifiable Information with a third party credit reporting agency in order to initiate and execute our credit restoration process.

We may also share your Personally Identifiable Information with third-party partners who referred you to 20/20 CREDIT for credit repair services.

 

Under no circumstance will 20/20 CREDIT sell, rent or share any Personally Identifiable Information to a third party for marketing purposes unless you request that the information be shared. Your personal credit score and/or credit report will never be shared with our partners and affiliates or anyone except you.

 

Market Research: Your participation in market research activities is optional. Should you elect to participate, we may use the information you provide to improve your experience with our Products and Services. We may engage third parties to assist us with our market research efforts who may retain non-personalized aggregated information. Please note that all information you provide in this circumstance will only be used for research purposes.

 

Minors

We define ‘minors’ as individuals under the age of 18 and our website and Services are not intended for the use of minors and we do not knowingly solicit or collect information from minors. If we determine that we have collected any information from minor, we will delete the information. If you are a parent or guardian of a minor who you believe has disclosed Personally Identifiable Information, you may contact us at compliance@2020credit.com and the information will be deleted.

 

Our Security Policy

We take the protection of your information very seriously. At 20/20 CREDIT we use enhanced security technologies to protect your Personally Identifiable Information as well as other information you provide us.

Safeguarding your personal information requires a partnership between you and 20/20 CREDIT. To that end, we are committed to securing your Personally Identifiable Information in order for it to remain confidential and protected. 20/20 CREDIT upholds this trust by remaining transparent with its customers on current and evolving technologies that support the necessary security standards and protocols.

Any Personally Identifiable Information that is provided in connection with your Credit Services Agreement with 20/20 CREDIT will not be publicly available and is safeguarded by our industry standard firewall and encryption protection systems.

 

Our Correspondence With You

We use your information to send you marketing communications, communicate with you about our Products and Services and let you know about our policies and terms. We also use your information to respond to you when you contact us.

 

Opt Out

If you prefer to not receive promotional emails from us you may choose to opt-out of future offers by contacting us at compliance@2020credit.com. You will continue to receive emails related to the operations and administration of your account.

 

Changes to Our Privacy Policy

We reserve the right to change this Privacy Policy at any time without notice to you. Any change to this Privacy Policy shall be made solely on this webpage. If we choose to notify you of changes to this Privacy Policy, we will notify you through the email address that we maintain for you at the time of the change. Any changes to this Privacy Policy will be effective immediately.

 

Contacting Us

Please feel free to contact us if you have any questions, concerns, or comments about the 20/20 CREDIT Privacy Policy by emailing us at compliance@2020credit.com or by calling our Customer Care Center at 1-844-780-2140.