Privacy Policy - Credit Firm, Inc

Welcome to our Privacy Policy
Your privacy is critically important to us.
Credit Firm, Inc is located at:

Credit Firm, Inc
1309 N. Big Spring
TX, United States
4325994880

About Credit Firm Incorporated

Credit Firm Incorporated is a company that offers services to aid an individual's financial situation. Credit Firm, Inc financially assists people by giving credit counseling, best practices to its clients. Credit Firm Inc also offers direct assistance by practicing efficient tactics to increasing a person's credit score.

It is Credit Firm, Inc's policy to respect your privacy regarding any information we may collect while operating our website. This Privacy Policy applies to https://landing.creditfirminc.com. (hereinafter, "us", "we", or "https://landing.creditfirminc.com."). We respect your privacy and are committed to protecting personally identifiable information you may provide us through the Website. We have adopted this privacy policy ("Privacy Policy") to explain what information may be collected on our Website, how we use this information, and under what circumstances we may disclose the information to third parties. This Privacy Policy applies only to information we collect through the Website and does not apply to our collection of information from other sources.

This Privacy Policy posted on our Website, set forth the general rules and policies governing your use of our Website. Depending on your activities when visiting our Website, you may be required to agree to additional terms and conditions.

What Data We Collect

We collect the following categories of information for the purposes explained below.

Activity’ Digital Properties: This is data about your browsing activity on our website. For example, which pages you visited and when, what items were clicked on a page, how much time was spent on a page, whether you opted in or not.
Device and browser information: This is technical information about the device or browser you use to access our website. For example, your device's IP address, cookie string data, operating system, and (in the case of mobile devices) your device type, and mobile device's identifier (such as the Apple IDFA or Android Advertising ID, and any other unique identifier that may be assigned to the mobile device).
Ad data: This is data about the online ads we have served (or attempted to serve) to you. For example, how many times an ad has been served to you, where the ad appeared on, and whether you clicked on or otherwise interacted with the ad. This data includes information about how well our ad campaigns have performed.
Email Communications: We may use emails from our clients that they provided to us for marketing services.
Hashed email addresses: Sometimes we collect hashed versions of the emails that consumers have entered on our site. Hashing is a “one-way function” that effectively pseudonymizes email addresses. For instance, when carroll_the_mouse@hotmail.com is run through a typical hashing function, it becomes the following string of digits: 0D0N7C1A2A7E8BLRBC6AA545F8PCW6F83671B32479271KFCJ6CK8628915058L7.
We take this step to de-identify data and protect email addresses, while being able to use an identifier to better connect devices and browsers. We then employ these hashed emails (along with other information) for cross-device targeting, in order to try to recognize users across devices and browsers – for instance, to find the same user across multiple devices such as computers, tablets, and mobile devices.
Contact Information. We obtain and collect contact information from various third party sources, including from public sources and through licenses with data providers. We may also infer contact information based on email addresses and email naming conventions. This contact information is B2B information – in other words, it is usually the contact information of someone at a business email address, business street address, or sometimes, a business telephone number. We will not collect contact information this way for individuals who are located in European Territories.
Information We Receive in Our Corporate Capacity. We also collect information from our own customers and those who visit our website(s).

How We Use The Data We Collect

We use this data to help our Advertisers identify and serve ads to you that are more relevant to you. We also use this data to operate, improve and enhance our advertising techniques including enhancing the data points we have about a particular user, browser, or device to serve the most relevant ads to you and, in turn, improve performance of an Advertiser’s ad campaigns. Specifically, we use this data for:

Targeting: Selecting ads that are more likely to be relevant to you based on the interests previously associated with your device and the time of day you may be most interested in viewing these specific ads.
Frequency capping: Making sure that you don't see the same ad too many times.
Sequencing: If you are being served a sequence of ads, making sure we show you the right ad next in the sequence.
Cross-device matching: Identifying different devices that are likely to be associated with you so that ads can be targeted, capped and sequenced across those devices, and so that campaign effectiveness can be measured and analyzed. For example, cross-device matching helps us NOT show you ads for the shoes you were looking at on your phone but already purchased on your tablet. Instead we’ll try to show you ads for an upcoming triathlon where you can put those shoes to work. It also helps us match devices so we can honor your opt-out choices across all devices we know are connected to the opted-out cookie. You may opt-out of being targeted in the above “cross-device” and “cross-channel” ways by employing the respective opt-out techniques we describe in a section below.
Attribution: Monitoring when, where, and at what price we served certain ads so that we can measure our influence on the marketing results of the Advertiser’s campaigns and overall marketing strategy. For example, being able to measure if a certain ad campaign (the ads shown and to whom they were shown).
Reporting: Getting insights into how our ads are performing and gain insights into our customers. Reporting may include ad metrics such as impressions, clicks, and conversions (however the we may define a “conversion” such as, for example, a sale or a white paper download, or a correlation to an actual or inferred sale, site visit or store visit). This data allows an us to determine if an ad is not performing well (customers are not clicking on it), so that the Advertiser will be able to see that data and update the ad (perhaps with a better deal!). With respect to specific cookie data, we limit reporting to cookie activity on our website and which ads were shown, whether there was engagement with those ads.
Conducting Our Corporate Operations. As to information we collect in our corporate capacity – our own B2B lists of customers and prospective customers – we use that information to conduct our business operations and communications.

Data Sharing

With a Client: We may share your business contact information collected from third party sources or inferred (as mentioned in the “What Data We Collect” section) with a Client if we think that your business or employer would be interested in that Client’s products.
With our service providers: We contract with companies who help with parts of our business operations (e.g., for example, website and data hosting, fraud prevention, viewability reporting, data hygiene, marketing, and email delivery), as well as billing, collections, tech, customer and operational support.
In connection with legal proceedings: When we are under a legal obligation to do so, for example to comply with a binding order of a court, or where disclosure is necessary to exercise, establish or defend the legal rights of Credit Firm, Inc, or any other third party.
To comply with legal process: To satisfy in good faith any applicable law, legal process, or proper governmental request, such as to respond to a subpoena (whether civil or criminal) or similar process.
To investigate wrongdoing and protect ourselves or third parties: To enforce our Terms of Service or other policies or investigate any potential violation of our Terms of Service and policies, any potential violation of the law, or to protect ourselves, our customers, or any third party from any potential harm (whether tangible or intangible).
In connection with a sale of our business: If a third party acquires some or all of our business or assets, we may disclose your information in connection with the sale (including during due diligence in preparation for the sale).
With our Advertising Partners: We also share hashed email addresses (or other pseudonymous identifiers associated with those hashes), technical data that we collect about your browsing habits and your device (such as data relating to our cookies, tracking pixels and similar technologies) with other companies in the digital advertising ecosystem. This enables them and us to better personalize ads to you.

Cookie and Related Technologies

Credit Firm, Inc uses cookies, tracking pixels and related technologies to better our advertising techniques. Cookies are small data files that are served by third parties and stored on your device.

Credit Firm, Inc uses cookies to help Credit Firm, Inc identify and track visitors, their usage of https://landing.creditfirminc.com/, and their website access preferences. Credit Firm, Inc visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Credit Firm, Inc's websites, with the drawback that certain features of Credit Firm, Inc's websites may not function properly without the aid of cookies.
By continuing to navigate our website without changing your cookie settings, you hereby acknowledge and agree to Credit Firm, Inc's use of cookies.

- When visitors come to our site we may place cookies on their browsers for targeted advertising purposes. The cookie may use hashed identifiers derived from email addresses for the purposes of cross-device tracking for targeted advertising.

Tracking cookies enable us to identify your device when you move between different Digital Properties, so that we can serve targeted advertising to you.

Specifically, the NextRoll cookie we serve through the NextRoll platform for this purpose is named “__adroll” and “__adroll_fpc”.
Our Advertising Partners may also drop cookies for the purposes described above. Generally, the type of cookies dropped will vary depending on the Advertising entity.

Additionally, we use non-tracking cookies (not unique) to store user decisions in terms of your ad consent and opt-out choices:

We may drop a __adroll cookie with value opt-out if you opt-out as described below.
We may drop a __consent cookie that stores the consent choices you have made regarding data processing and advertising by NextRoll.

Your Choices and Opting-Out of Targeted Ads

We recognize how important your online privacy is to you, so we offer the following options for controlling the targeted ads (sometimes called “interest-based ads”) you receive and how we use your data.

Opting-out of this type of advertising through the below methods will not prevent you from seeing ads, but those ads will likely be less relevant because they will not be tailored to your interests. The ads might, for instance, be randomly generated or based on the web page you are visiting.

Web browser: You can opt-out of receiving personalized ads (including retargeted ads) served by us or on our behalf by clicking on the blue icon that typically appears in the corner of the ads we serve. Please note that this “opt-out” function is browser-specific and relies on an “opt-out cookie”, thus, if you delete your cookies or upgrade your browser after having opted out, you will need to opt-out again. If you use a Safari browser, please also see directions regarding our cookie-less technology opt-out, below.
Cross Device Opt- Out: In some cases we may link multiple browsers or devices to you. If you opt-out on a browser or device and we have additional devices or browsers linked to you, we will extend your opt-out decision to any other linked browsers and devices. Since we only link users across browsers and devices in some conditions, there could be cases where you are still being tracked in a different browser or device we have not linked, and where we are treating you as a different user.
Mobile Device Opt-Out: To opt-out of receiving targeted ads that are based on your behavior across different mobile applications follow the below instructions, for iOS and Android devices:
- iOS 7 or Higher: Go to your Settings > Select Privacy > Select Advertising > Enable the “Limit Ad Tracking” setting; and
- For Android devices with OS 2.2 or higher and Google Play Services version 4.0 or higher: Open your Google Settings app > Select Ads > Enable “Opt out of interest-based advertising”.
Industry Opt-Out Tools and Self-Regulation:
- NextRoll, wo we run our ads through, is a member of the Network Advertising Initiative (NAI) and adheres to the NAI Code of Conduct. You may use the NAI opt-out tool here, which will allow you to opt-out of seeing personalized ads from us and from other NAI approved member companies.
- We also comply with the Self-Regulatory Principles for Online Behavioral Advertising as managed by the Digital Advertising Alliance (DAA). You may opt-out of receiving personalized ads from other companies that perform ad targeting services, including some that we may work with as Advertising Partners via the DAA website here.
- We also comply with the Canadian Self-regulatory Principles for Online Behavioral Advertising as managed by the Digital Advertising Alliance of Canada (DAAC). You may opt-out of receiving personalized ads from other companies that perform ad targeting services, including some that we may work with as Advertising Partners via the DAAC website here.
- Finally, we also adhere to the European Interactive Advertising Digital Alliance (EDAA) guidelines for online advertising and you may opt-out via their ”Your Online Choices” website here.
Note to Safari Users. When you opt-out on a browser, we, other advertising platforms, and other third parties, generally place a cookie on your browser instructing us not to use your other online behaviors to customize the ads you see. However, if you are using a Safari browser, opt-out cookies that are set for purposes of restricting this type of advertising may be deleted prior to their intended expiration date; we have no control over these browser controls or cookie deletions.
Do Not Track Disclosure: Some internet browsers allow users to send a "Do Not Track" signal to websites they visit. We do not respond to this signal at the present time.
Reminder to Users Residing in a European Territory: If you are located in a European Territory you will also have additional data protection rights. These are described under the "Information for European Territory Residents: Our Legal Basis and Your Rights” section below.

Data Retention

CRM Data: The company who we run ads through are processors of CRM data that they hold on behalf of us, such as email address lists. They retain this CRM Data until the we ask them to delete this data.

Mobile Identifiers and Cookie Identifiers: Cookie identifiers we collect expire (and are then deleted) 13 months from the last time your device accessed a Digital Property using our technology. If you visit another Digital Property that uses our technology inside that 13-month expiry period, then the expiry period will be reset and measured from that date instead. The expiration period for mobile identifiers is controlled by the end-user on their own device.

Personal Data Associated with Mobile and Cookie Identifiers Related to Browsing History: We delete personal data associated with mobile and cookie identifiers after 12 months. For example, data such as an Advertiser’s website you visited or ads that you may have clicked.

Personal Data Associated with Real Time Bids: Data logged for a particular submitted bid or a received real time bid request (including cookie identifiers, mobile identifiers, the advertisable bid on, and the advertisable won or displayed to the end-user) are deleted after 30 days.

Personal Data Associated with the Display of an Advertisable: Data logged for the display of an advertisable (including cookie identifiers, the advertisable won or displayed to the end user as well as data indicated whether an end user clicked on the particular advertisable displayed) are deleted after 12

Security

We apply technical, administrative and organizational security measures to protect the personal data we collect against accidental or unlawful destruction,loss, alteration, unauthorized disclosure or access, in particular where the processing involves the transmission of data over a network, and against other unlawful forms of processing.

International Transfers

We may transfer the information we collect about you to countries (including the United States of America) other than the country where we originally collected it for the purposes of storage and processing of data and operating our services. In general, these countries will be the countries in which we or our or their service providers operate.

Those countries may not have the same data protection laws as your country. However, when we transfer your information to other countries, we will protect that information as described in this Privacy Notice and take steps, where necessary, to ensure that international transfers comply with applicable laws.

For example, when we transfer your information from a European Territory to our parent company in the United States, we do so under the European Commission's Standard Contractual Clauses.

Information for European Territory Residents: Our Legal Basis and Your Rights

Our Legal Basis: If you interact with our services from the European Territories, our legal basis for collecting and using the personal data described above will depend on the personal information concerned and the specific context in which we collect it. "European Territories" means the European Economic Area and Switzerland. For the purpose of this Privacy Notice, the term "European Territories" shall continue to include the United Kingdom, even after the United Kingdom leaves the European Economic Area following Brexit.

We will normally collect personal data from you where the processing is in our legitimate business interests to do so.
In some cases we may collect and process personal data based on consent.

Your Enhanced Privacy Rights: In addition, if you are a resident of a European Territory, you have the following enhanced rights under EU data protection law:.

You can object to processing of your personal information, and/or ask us to restrict processing of your personal information. Again, you can exercise these rights by contacting us.
Similarly, if we have collected and process your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent. Specifically, you can withdraw consent for us to drop cookies by refusing consent for NextRoll when you see a “consent banner” on a publisher or advertiser site which lists NextRoll (or AdRoll) as a vendor.
You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

Changes to this privacy notice

Changes to this Privacy Notice will be posted on this page. If we make a material change to our privacy practices, we will provide notice on the site or by other means as appropriate.

If we are required by applicable data protection laws to obtain your consent to any material changes before they come into effect, then we will do so in accordance with law.

Welcome to our Privacy Policy Your privacy is critically important to us. Credit Firm, Inc is located at: