rev. 12/2016

 

CreditShop Privacy Policy

 

FACTS

WHAT DOES CREDITSHOP DO WITH YOUR PERSONAL INFORMATION?

 

Why?

Financial companies choose how they share your personal information.  Federal law gives consumers the right to limit some but not all sharing.  Federal law also requires us to tell you how we collect, share, and protect your personal information.  Please read this notice carefully to understand what we do.

 

What?

The types of personal information we collect and share depend on the product or service you have with us.  This information can include:

  Social Security number and income

  Payment history and credit history

  Credit card or other debt and employment information

When you are no longer our customer, we continue to share your information as described in this notice.

 

How?

All financial companies need to share customers’ personal information to run their everyday business.  In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons CreditShop chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

Does CreditShop share?

Can you limit this sharing?

For our everyday business purposes—

such as to process your transactions, maintain

your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes—

to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates’ everyday business purposes—

information about your transactions and experiences

No

We don’t share

For our affiliates’ everyday business purposes—

information about your creditworthiness

No

We don’t share

For nonaffiliates to market to you

No

We don’t share

 

Questions?

Go to www.creditshop.com.


 

 

Who we are

 

 

Who is providing this notice?

CreditShop, Inc.

 

 

 

 

 

What we do

 

 

How does CreditShop protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.  These measures include computer safeguards and secured files and buildings.

 

 

 

How does CreditShop collect my personal information?

We collect your personal information, for example, when you

    open an account or apply for a loan

    give us your income information or provide employment information

    give us your contact information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

 

 

Why can’t I limit all sharing?

Federal law gives you the right to limit only

   sharing for affiliates’ everyday business purposes—information about your creditworthiness

    affiliates from using your information to market to you

    sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.  See below for more on your rights under state law.

 

 

 

Definitions

 

 

Affiliates

Companies related by common ownership or control.  They can be financial and nonfinancial companies.

  CreditShop has no affiliates.

 

 

Nonaffiliates

Companies not related by common ownership or control.  They can be financial and nonfinancial companies.

  CreditShop does not share with nonaffiliates so they can market to you.

 

 

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  CreditShop does not jointly market.

 

 

 

 

 

Other important information

 

 

 

California Residents.  California law places additional limits on sharing your personal information.  Please see the enclosed “Important Privacy Choices for Consumers” notice provided to you describing your ability to limit our sharing for joint marketing and follow the instructions in the notice.

 

Vermont Residents.  If you are a resident of the State of Vermont, the information we share for joint marketing is limited to your name and contact information, and our own transaction and experience information.

 

 

 

 

 

Effective: January 2017

 

 

 

 

 

Important Privacy Choices for Consumers

 

 

 

 

You have the right to control whether we share some of your personal information.

Please read the following information carefully before you make your choices below.

 

 

 

 

Your Rights

 

You have the following rights to restrict the sharing of personal and financial information with outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about some other products or services.

 

Your Choice

 

Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products And Services:Unless you say ‚ "No" we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.

 

[__] NO, please do not share personal and financial information with outside companies you contract with to provide financial products and services.

 

Time Sensitive Reply

 

You may make your privacy choices(s) at any time. Your choice(s) marked here will remain unless you state otherwise. However, if we do not hear from you we may share some of your information with affiliated companies and other companies with whom we have contracts to provide products and services.

 

Name: ____________________

Account or Policy Number(s): _______________________ [to be filled in by consumer]

Signature: ___________________________

 

To exercise your choices do [one of] the following:

(1) Fill out, sign and send back this form to us at the following address (you may want to make a copy for your records):

Credit Shop, Inc, PO Box 21357, Lehigh Valley, PA 18002-1357

 

(2) Call this toll-free number: 800-317-9240

 

 

 

 

 

 

 

Effective: January 2017

 

 

 

 

 

CREDITSHOP ONLINE PRIVACY POLICY

 

 

 

When you visit our website, open an account, or apply for a loan, you entrust us with personally identifiable information. Because we at Credit Shop, Inc. (“CreditShop”) value that trust and respect your expectation of privacy, we designed/provided this online privacy policy (the “Online Privacy Policy”).  All financial companies share and use consumers’ personal information to run their daily business, provide you with products, process your transactions, and to properly identify, validate and protect your identity. This Online Privacy Policy describes the ways that CreditShop collects and shares  personally identifiable information collected online.


What Types of Personally Identifiable Information do we collect?
For purposes of this Online Privacy Policy, "personally identifiable information" means information identifiable to and about an individual consumer collected online, such as on applications or other forms, by CreditShop from that individual.  Personally identifiable may include an individual’s first and last name, home or other physical address, e-mail address, telephone number, social security number, or other identifier that permits the physical or online contacting of a specific individual.  Personally identifiable information also includes information concerning a user, such as income or employment information, that CreditShop collects online from the user and maintains in personally identifiable form in combination with an identifier described in the above categories.


What personal information do we share with other entities?
We may disclose all of the information, as described above, as permitted by law. Examples of what is permitted by law include: disclosing such information (a) to third parties if it is necessary or helpful in confirming the information or completing a transaction; (b) to other persons that have an interest in the financial product or service; (c) to report to consumer reporting agencies; (d) to comply with legal process such as subpoenas or court orders; (e) to respond to law enforcement agencies with respect to suspected or actual fraud, criminal activity or security risks; and (f) if you give us your consent.  We also may disclose all of the information we collect to companies that perform marketing services on our behalf (e.g., those that assist us with mailings).

The Creditshop.com website uses the Google AdWords remarketing service to advertise on third party websites (including Google) to previous visitors to our site. It could mean that we advertise to previous visitors who haven’t completed a task on our site, for example using the contact form to make an enquiry. This could be in the form of an advertisement on the Google search results page, or a site in the Google Display Network. Third-party vendors, including Google, use cookies to serve ads based on someone’s past visits to the creditshop.com website. Any data collected will be used in accordance with our own Online Privacy Policy and Google’s privacy policy.
You can set preferences for how Google advertises to you using the Google Ad Preferences page.
You can also opt out of interest-based advertising entirely by cookie settings or permanently using a browser plugin.


Use of Cookies and Similar Technology
We, or our service providers, and other companies we work with may deploy and use cookies, web beacons, local shared objects and other tracking technologies for various purposes, such as fraud prevention and monitoring our advertising and marketing campaign performance. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our online services.

  • “Cookies” are small amounts of data a website can send to a visitor’s web browser.  They are often stored on the device you are using to help track your areas of interest.  Cookies may also enable us or our service providers and other companies we work with to relate your use of our online services over time to customize your experience.  Most web browsers allow you to adjust your browser settings to decline or delete cookies, but doing so may degrade your experience with our online services.
  • Clear GIFs, pixel tags or web beacons—which are typically one-pixel, transparent images located on a webpage or in an email or other message—or similar technologies may be used on our sites and in some of our digital communications (such as email or other marketing messages).  They may also be used when you are served advertisements or you otherwise interact with advertisements outside of our online services.  These are principally used to help recognize users, assess traffic patterns and measure site or campaign engagement.
  • Local Shared Objects, sometimes referred to as “flash cookies” may be stored on your hard drive using a media player or other software installed on your device.  Local Shared Objects are similar to cookies in terms of their operation, but may not be managed in your browser in the same way.

 

CreditShop and any third parties who assist in operating CreditShop’s online services do not respond differently or limit their practices under the terms of this Online Privacy Policy when you access those online services with a browser that uses a do not track signal or similar mechanism.


Suspicious Email
It is our policy not to email you or send you electronic communications to request non-public personal information or account information (such as a username or password). If you receive an unsolicited email or other electronic communication that appears to be from CreditShop but you suspect may be from another source and might be fraudulent, please email us at contact@creditshop.com.


Social Media
You may also find additional information on our products and services through social media sites such as Facebook, LinkedIn, or Twitter. Please keep in mind that any information you share is visible to all participants on these social media sites and you should never post any sensitive personal information (such as account number or
tax identification). Please carefully review the terms of use and privacy policy on these social media sites as they may be different than our own policies.


Links to Other Web Sites
The CreditShop web site or online service may contain links to other web sites. As such, CreditShop is not responsible for the privacy practices or the content of such web sites.

Updating and Correcting Your Personal Information
Keeping your information accurate and up to date is very important. If your personal or account information is incomplete, inaccurate or not current, please contact CreditShop at 800-317-9240.

Children's Privacy
Our website and online services are not intended for children under the age of 13. We do not knowingly collect personal information from users in this age group.


Questions or Comments
If you would like more information regarding this Online Privacy Policy or you believe that the information we have on file about you is inaccurate or incomplete, you can email us at contact@creditshop.com.

 

Changes to this Online Privacy Policy
We may amend this Online Privacy Policy from time to time by posting a notice of the change (or an amended Online Privacy Policy) on our web site at www.CreditShop.com. If we make changes to the Online Privacy Policy, we will revise the “Effective” date at the top of this Policy. We will send you a notice of the change only if required by applicable law.  Any changes to this Online Privacy Policy will become effective when we post the revised Online Privacy Policy on the site.

 

 

 

 

 

Effective: January 2017