This privacy policy has been compiled to better serve those who are concerned with how their 'Personally Identifiable Information' (PII) is being used online. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.

What personal information do we collect from the people that visit our blog, website or app?
When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, mailing address, phone number or other details to help you with your experience.
When do we collect information?
We collect information from you when you subscribe to a newsletter, respond to a survey, fill out a form, Use Live Chat, Open a Support Ticket or enter information on our site.

How do we use your information? 
We may use the information we collect from you when you register, make a purchase, sign up to be contacted, respond to a survey, surf the website, or use certain other site features in the following ways:

 

• To personalize your experience and to allow us to deliver the type of content and product offerings in which you are most interested.

• To improve our website in order to better serve you.

• To allow us to better service you in responding to your customer service requests.

• To administer a contest, promotion, survey or other site feature.

• To quickly process your transactions.

• To send periodic emails regarding your order or other products and services.

• To follow up with them after correspondence (live chat, email or phone inquiries)
  
  
  How do we protect your information?
  
  We also may send materials and emails that you can always opt out off.
  We do not use vulnerability scanning and/or scanning to PCI standards.
  We only provide articles and information. We never ask for credit card numbers.
  We use regular Malware Scanning.
  
  
  We do use an SSL certificate
     
  
  Third-party disclosure
  
  We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information.
  
  We have not enabled Google AdSense on our site but we may do so in the future.
  
  California Online Privacy Protection Act
  
  CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law's reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. -
  See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf
  
  According to CalOPPA, we agree to the following:
  
  Users can visit our site anonymously.
  Once this privacy policy is created, we will add a link to it on our home page or as a minimum, on the first significant page after entering our website.
  
  Our Privacy Policy link includes the word 'Privacy' and can easily be found on the page specified above.
  You will be notified of any Privacy Policy changes:
       • On our Privacy Policy Page
  
  Can change your personal information:
       • By calling us
  
  We do not specifically market to children under the age of 13 years old.
  
  Fair Information Practices
  
  The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.
  
  
  In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
  
  We will notify you via phone call within 7 business days
  
  We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.
  
  CAN SPAM Act
  
  The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
  
  
  We collect your email address in order to:
       • Send information, respond to inquiries, and/or other requests or questions
       • Market to our mailing list or continue to send emails to our clients after the original transaction has occurred.
  
  To be in accordance with CANSPAM, we agree to the following:
       • Not use false or misleading subjects or email addresses.
       • Identify the message as an advertisement in some reasonable way.
       • Include the physical address of our business or site headquarters.
       • Monitor third-party email services for compliance, if one is used.
       • Honor opt-out/unsubscribe requests quickly.
       • Allow users to unsubscribe by using the link at the bottom of each email.
  
  If at any time you would like to unsubscribe from receiving future emails, you can email us at info@guardmycredit.net, follow the instructions and we will promptly remove you from ALL correspondence.
   

• Text / SMS Marketing
  If you choose to opt in to SMS communications from Guard My Credit, you will receive text messages at the mobile number you provide. These messages may be automated and may include promotional offers, service alerts, and/or information related to Guard My Credit or our affiliated companies, as well as updates related to your requests.
   

• Consent to Receive Automated Messages
  You understand that consent to receive automated messages is not a condition of purchase or use of Guard My Credit’s services. Messages may include, but are not limited to, service confirmations, alerts, updates, and special offers.
   

• Frequency of Messages
  Message frequency may vary based on your account activity, request status, and promotional campaigns. You will receive messages relevant to your interactions with us, along with occasional promotional updates.
   

• Opt-Out and Support Options
  Message frequency may vary based on your account activity, request status, and promotional campaigns. You will receive messages relevant to your interactions with us, along with occasional promotional updates.
  
  For assistance with the messaging service, text “HELP” or contact info@guardmycredit.net
   

• Wireless Carrier Rates and Services
  Wireless carrier message and data rates may apply. Wireless carriers are not liable for delayed or undelivered messages.
   

• Confidentiality
  We will maintain the confidentiality of your mobile number. Your mobile number will not be shared with third parties for their own marketing purposes. However, for operational purposes, your name and mobile number may be shared with our service providers who assist in the delivery of our SMS communications. These providers use your personal information solely to carry out the services they provide to Guard My Credit
  
  Contacting Us
  If you have any questions regarding this privacy policy or our messaging practices, you may contact us at info@guardmycredit.net.