PRIVACY POLICY

PRIVACY POLICY

 

1. PRIVACY POLICY

The following document governs and details the Privacy Policy of our website, blog and online platform Creditor Cure (“platform”, “website”) hosted at https://creditorcure.com. Our website respects and protects the users’ privacy. To provide the services in a professional manner to our customers, users and clients (collectively referred to as “user”, and “you”) of our website we collect some personal information in addition to the information that is collected automatically by our website’s addons and plugins. In addition, our website also collects data through by storing cookies on users' devices which is also done automatically. We respect and protect the privacy of all of our users, and to disclose the data practices we have drafted this privacy statement (“policy”). This explains specifically how we collect, share and protect users’ data, and what measures have been taken in order to be in compliance with different privacy laws. This policy is written for all users and visitors of our website. We request everyone read this privacy policy statement before using our services. The users of our services will be assumed to be in agreement with our privacy statement after we have published this Privacy Policy on our website. 

2. WHAT DATA DO WE COLLECT?

The collection of data is done only for the purpose of account creation and communications and we only use the personal information of the user in order to send e-mails, updates and newsletters. Such information includes the name and e-mail (collected automatically) of the user of our website. Our website will also collect some information through addons, plugins and automated tools.

2.1. Users' Information Collection.

There will be a collection of information from all of our users including buyers and users when they create an account on our website or if they will use any of our given services. The information that will be provided to us includes but is not limited to: 

2.1.1. For Account Creation

a.     Email address

b.     Password

c.     Alternatively users can also use Google credentials for account creation.

d.     Users' Third-Party Related Information (such as third-party information) 

e.     Any additional information relating to you that you provide to us directly through our websites or indirectly through our websites or online presence such as ‘cookies’.

2.1.2. For Our Services User May Need To Provide Us Personal As Well As Financial Information

a.     Full Name

b.     Contact Number

c.     Email

d.     Photograph

e.     Zip Code

f.      Govt Issued ID card.

g.     Financial Data (Such as information about your debts)

h.     Bank Account Information

i.      Credit Card Information

j.      General Financial Information

2.2. Automatic Information Collection

We also collect information that is collected by general web browsers (such as Chrome, Firefox, and Edge) and web hosting servers for the purpose of rendering normal services. This type of information includes (but is not limited to) website usage by users, referring websites, browser type, language and its preference, and date and time of users’ browsing history.  We may release such information in aggregate form for the purpose of making our services better. Please note that in aggregate form none of the individual users can be identified. Our website may also collect information that is considered personal identifiable information such as IP addresses and other information collected through cookies. We may share this information with third parties or in order to be compliant legally. Some of the information collected automatically (but not limited to) is:

a.     Browser Information

b.     Operating System Information

c.     Mobile Device Information (e.g., device identifier, mobile operating system, etc.)

d.     IP address (stored in anonymized form)

e.     Authorized Permissions Access For Mobile Devices.

f.      Page Accessed

g.     Time of visit (by day, week, and duration)

h.     Whether the visitor is a new or return visitor

3. USE OF COOKIES

For the purpose of our services, our website stores cookies on users’ devices. Cookies is a text file in the .txt extension. This file collects certain information and is stored on the user's or visitor’s device or personal computer. This information will be provided back to the website if such a user or visitor makes a return visit. Our website uses cookies so it can identify and help to track the users of our website. There are many types of cookies, however, most commonly only two types of cookies are used. Session cookies are temporary cookies that are deleted once the user exits the browser while the permanent cookies remain in the user's or visitor’s browser until the cookie log files are either deleted by the user or expired on their own. Some cookies enable our website to remember your order through the checkout process even if you want to check out as a guest user. Mainly we use cookies in order to (i) understand how visitors are arriving on our website; (ii) in order to monitor the usage of our website; (iii) remember when a user last visited our website and if the cookie persists continues that user’s usage from the last time; and (iv)to conduct research and development by gathering user data in aggregated form. Please note that the cookie does not contain any personal identifying information. Users can also change their browser settings to that the cookies are not being collected by making sure the collection of the cookies is disabled.

3.1. Right To Remove Cookies Or Stop Cookies From Collecting Your Data

All users have the right to block and delete already stored cookies from their devices. All major browsers such as Firefox, Edge, Chrome and Opera among others have the option in the setting through which the users can remove the cookies. Users can also block the cookies from collecting any data. However, blocking all cookies will have a negative impact on the usability of our website. If you block cookies, you will not be able to use several features on this website.

4. SECURITY OF USER DATA 

We have made sure to implement the highest security measures to ensure that our internal procedures meet our high security policy standards. This way we make sure to protect and safeguard the integrity and quality of users’ personal data and information. We have also implemented encryption methods and the use of pseudonymization as well as SSL certification to protect users' data.

4.1. Users’ Data Protection and Safety Rights

All users are entitled to have access to their personal information and to be informed about the data collection process.

Users have the right to:

a.     object to the collection and further processing of your personal information;

b.     have your personal data updated, rectified, erased or blocked;

c.     receive information about you that you have provided to us;

d.     opt-out of certain uses and disclosures of your personal information; and

e.     have your personal information transmitted to another data controller (data portability). For you to exercise your data protection rights, we are obliged to verify your identity.

4.2. Updating And Amendment Of Information

If you want us to update, amend or delete the personal information that we have collected about you, wish to get access to the data being processed about you, or if you have any questions concerning this Privacy Policy, you may contact us by email at info@creditorcure.com.  

4.3. Withdrawal Of Consent

All users at any time, withdraw any consent you have given to us, and we will no longer process your personal information unless we can continue the processing based on another purpose. If you wish to withdraw your consent, you can withdraw it through the e-mail or website via the settings menu or by contacting us using the following email: info@creditorcure.com.  

5. DATA RETENTION

We retain your personal information collected as described in this Privacy Policy for as long as needed to provide you the Services or if we have a legitimate business reason to do so. When we no longer have an ongoing legitimate business reason to process your personal information, we will delete your data.

6. SHARING OF USERS' DATA (DATA DISCLOSURE)

We May Share Users’ Information In the Following Instances:

a.     When we are required by a court of law or legal authority to do so.

b.     When our business is transferred or sold to a new company or owner and in that transaction, the data stored by us will also be transferred to the new owner.

c.     Depending on the server’s location, we may store and transfer the personal data of the users out of the United States region in order to better provide our services.

d.     We will share the users’ data with our service providers (such as Google Analytics), affiliates, marketing partners, business partners, and others who have legal rights to access users’ data. 

e.     With your consent, we also may share aggregated information or otherwise anonymized information, which cannot reasonably be used to identify you.

7. THIRD-PARTY LINKS

We rely on third-party platforms in order to render our services. Please note that all of these services are changeable and we may use other alternatives in case we find new, better, and improved third-party platforms. Apart from sharing some of our data with our third-party platform partners including Google, we will not share, lease, or sell any personal user information to a third party (unless specifically required by legal authorities for lawful purposes). 

For the purpose of determining the website tracking we use the services of Google Analytics. . This tool helps us track users’ session activity, bounce rate, time of stay, and general traffic analytics. There might be other third-party links available on our blog. These shall be used as reference points or for the purpose of giving the credit to the original website. Most of these links will only be there in order to help us provide our services. Please note any links that are on or through our website are there either for marketing purposes or for other services as a requirement for the working of our website. These links may or may not be associated or affiliated with us in any way.

8. CCPA COMPLIANCE

We are fully aware of all of your data protection rights under the California Consumer Protection Act (CCPA). Our whole Privacy Policy has been drafted in accordance with CCPA. The personal information we collect is the personal identifier of the user. How we protect and share users’ data has also been stated in this policy. Every user is entitled to the following:

    1. The Right To Know – You have the right to know what information is being collected from you by and through our website. You also have the right to request we modify or correct the information being collected from you.
    2. The Right To Delete Information – You have the right to request that your information be deleted from our website and storage.
    3. The Right To Opt- You have the right to opt-out or withdraw your consent from any of our website’s processing of your personal data, under certain conditions.
    4. The Right To Data Portability – As with GDPR data portability you also have the right to request that we transfer the data that we have collected to another organization, or directly to you under CCPA.
    5. The Right To Receive Non-Discrimination Services – You have the right to Non-Discrimination under CCPA while you are using our website.

Any user can contact us to let us know about their rights at info@creditorcure.com.   

9. OPT-OUT RIGHT FROM E-MAIL LIST

All users of our website (including the blog) have the right to opt-out of our e-mail list by removing themselves from our e-mail list. Users can either e-mail us at info@creditorcure.com if they wish to stop receiving our e-mails or they can also follow the “unsubscribe link” provided at the end of every email.

10. CONTACT

Any questions, remarks, queries, and feedback regarding any of the above-mentioned terms of our Privacy Policy can be directed to info@creditorcure.com.