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Private Policy

This Privacy Policy describes how Credit Funnel, Inc collects, uses, and discloses your information in connection with your use of our website and the services we offer.

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1. Scope of this Policy

This Privacy Policy applies to all information collected through or in connection with your use of the Website and the Services. It does not apply to information collected by any third-party website or application that you may access through the Website. We encourage you to review the privacy policies of any third-party websites or applications you visit.

2. Information We Collect

We collect several different types of information for various purposes to provide and improve our Services to you.

2.1 Information You Provide Directly

  • Personal Information: When you contact us through the Website, request a consultation, or apply for our Services, you may provide us with certain personal information, such as your name, email address, phone number, mailing address, business name, tax identification number, and financial information.

  • Business Information: You may also provide us with information about your business, such as your industry, number of employees, annual revenue, and credit history.

  • Communications: We may collect the content of communications you send to us, such as emails, inquiries, and feedback.

2.2 Information Collected Automatically

  • Log Data: When you use the Website, we may automatically collect certain information about your visit, such as your IP address, browser type, operating system, referring URL, pages accessed, and the time and date of your visit.

  • Cookies and Similar Technologies: We may use cookies, web beacons, and other similar technologies to collect information about your use of the Website. Cookies are small data files that are stored on your device when you visit a website. Web beacons are transparent graphic images that can be placed on a website or in an email to track activity.

3. Use of Your Information

We use the information we collect for a variety of purposes, including:

  • To provide, operate, and maintain the Website and the Services;

  • To process your requests and applications for our Services;

  • To understand your needs and preferences and personalize your experience;

  • To develop, improve, and market our Services;

  • To analyze trends and usage patterns on the Website;

  • To prevent, detect, and investigate fraud and other security threats;

  • To comply with legal and regulatory obligations; and

  • To communicate with you about our Services, promotions, and other offerings.

4. Sharing of Your Information

We may share your information with third-party service providers who help us operate the Website and provide the Services. These service providers may be located in countries outside of your own. We require all third-party service providers to comply with applicable data privacy laws and regulations and to use your information only as instructed by us.

We may also share your information with:

  • Credit bureaus and other financial institutions to assess your creditworthiness and eligibility for our Services;

  • Governmental authorities or law enforcement officials as required by law; and

  • Any other third party with your prior consent.

5. Data Retention

We will retain your information for as long as it is necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.

6. Your Choices

You have certain choices regarding your information. You can:

  • Access and update your personal information.

  • Opt out of receiving marketing communications from us.

  • Request that we delete your personal information.

To exercise your choices, you can contact us at the address or phone number provided below.

7. Security

We take reasonable steps to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no website or internet transmission is completely secure. We cannot guarantee the security of your information.

8. Children's Privacy

The Website and the Services are not directed to children under the age of 18. We do not knowingly collect personal information from children under the age of 18. If you are a parent or guardian and you believe that your child has under the age of 18 has provided us with personal information, please contact us. We will delete such information from our records.

9. International Transfers

Your information will not be transferred to and processed in countries other than your own, where data protection laws may be different from those in your country. 

10. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. We will post any

  • Scope of this Policy: Clearly defines what information this policy applies to.

  • Information We Collect: Details the different types of data collected, both directly from users and automatically.

  • Use of Your Information: Explains the various purposes for which your company utilizes the collected information.

  • Sharing of Your Information: Outlines who your company might share data with and under what circumstances.

  • Data Retention: Specifies how long user information is typically retained by Credit Funnel.

  • Your Choices: Informs users of their rights regarding access, modification, deletion of their data, and opting out of marketing communications.

  • Security: Acknowledges the importance of data security and outlines the measures taken to protect user information.

  • Children's Privacy: Disclaims targeting children under 13 and outlines procedures for handling any accidental collection of such data.

  • International Transfers: Informs users about the possibility of data transfer across borders and the associated implications.

  • Changes to this Privacy Policy: Explains how users will be notified of any modifications to the privacy policy.

  • Contact Us: Provides multiple methods for users to contact Credit Funnel regarding privacy concerns.

 

Additional Considerations:

  • While the policy mentions Texas law and arbitration, consulting with a lawyer to ensure these sections comply with your specific location and business needs is recommended.

  • The California Consumer Privacy Act (CCPA) section is a good starting point, but depending on the nature of your data collection, you might need to expand on it to fully comply with CCPA regulations.

  • Consider adding a section on "Your Rights Regarding Your Information" if you plan to operate in regions with stricter data privacy laws like the General Data Protection Regulation (GDPR) in Europe.

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