On Track Credit Path
6330 S Belmont Rd Suite 4A
Downers Grove, IL 60516
At On Track Credit Path we take our ethical responsibilities and your privacy
seriously by recognizing that your privacy is important. We have a strong
commitment to providing excellent service to all our customers and visitors of
this Web Site, including respecting your concerns about privacy. This Privacy
Policy discloses how we collect personal information, the types of personal
information we receive and collect, our use of current and former consumer
information, as well as the steps that we take to safeguard your information.
If you use this site you explicitly agree to the terms and conditions of the
On Track Credit Path Privacy Policy in effect at the time of your use. If you do not
agree to this policy, please do not use the On Track Credit Path site. We hope that
this disclosure will help increase your confidence in our website and enhance
your experience on the Internet. Therefore, in compliance with industry
standards and regulations enforced typically by federal and state governments,
we abide by the following Privacy Policy.
Information
Collection and Use
This Privacy Policy applies to consumers that have signed up
("Consumers") on this website ("Web Site") or any web site
owned by the owner of On Track Credit Path. In addition, the owner of On Track Credit Path
owns several other domain names that point to this site, and we will from time
to time add new sites that may or may not be listed in this Privacy Policy.
Please note that this pledge applies only to sites maintained by the owner of
On Track Credit Path and not to web sites maintained by other companies or
organizations to which we link. In addition, this policy applies only to
information collected by On Track Credit Path online, not offline. We may share the
personal information that you supply to us with other third party businesses to
bring selected retail opportunities to our Consumers. These third party
businesses may include providers of direct marketing services and applications,
including lookup and reference, data enhancement, suppression and validation
and email marketing. You can browse the On Track Credit Path web site at anytime
without revealing any personal information about yourself. Personal information
is information about you that is personally identifiable, such as your name,
address, email address, or phone number that is not otherwise publicly
available ("Consumer PII" or "PII"). This information helps
us serve you better by enabling us:
::
to process and fulfill your requests for products and services
:: to
solicit your opinions and other feedback
:: to
conduct research
:: to
customize the advertising and content you see
:: to
provide anonymous reporting for internal and external clients
We may collect personal information at the following times:
::
when you register to receive communications from this website or any website
owned by the owner of On Track Credit Path.
::
when you seek information or apply for products and services offered through
this website or any website owned by the owner of On Track Credit Path.
::
when you enter promotions or sweepstakes offered by this website or any website
owned by the owner of On Track Credit Path
::
when you provide personal information to us through feedback, survey, or other
forms hosted on this site or any website owned by the owner of On Track Credit Path.
::
when you apply for a job with On Track Credit Path.
In addition, we may receive information about you from other sources, such as
service providers and unaffiliated third party marketing companies, for
tracking purposes. We may add the information we receive about you to your
existing account. Like other web sites, we also automatically receive and
record certain types of information every time you visit us. We use
"cookies" and the other information to enhance your experience and
present you with personalized offers. Likewise, we use third-party advertising
companies to distribute and track advertisements appearing on our web site.
These companies may employ cookies and action tags to measure advertising
effectiveness.
Legal Protection
We reserve the right to disclose your Consumer PII, as required, to comply with
the law, applicable regulations, governmental and quasi-governmental requests,
judicial proceedings, court orders, or legal process, and will establish or
exercise our legal rights and defend against legal claims at our discretion. We
will share, without notice to you, all information we possess in response to
court orders, subpoenas and to comply with government investigations. At our
discretion we will share information in order to investigate, prevent, or take
action regarding illegal activities, suspected fraud, situations involving
potential threats to the physical safety of any person, violations of
On Track Credit Path's Terms of Use or as otherwise required by law.
Use and Sharing of
Your Personally Identifiable Information
On Track Credit Path RESERVES THE RIGHT TO, AND WILL, SELL OR TRANSFER YOUR PERSONAL
INFORMATION TO THIRD PARTIES FOR ANY PURPOSE IN ITS SOLE DISCRETION. This
includes sharing Consumer PII with On Track Credit Path partners, sponsors,
advertisers, service providers and marketers lookup and reference services and
any other entities that On Track Credit Path believes are able to provide Consumers
with special offers and opportunities. On Track Credit Path prohibits the sale or
transfer of Consumer PII to non-affiliated entities for their use without
giving you the opportunity to opt-out. Although On Track Credit Path advises everyone
who receives Consumer PII from On Track Credit Path to support this Privacy Policy,
On Track Credit Path has no control over such party's information handling practices
and is not responsible for any failure of such party to adhere to this Privacy
Policy.
Additionally, On Track Credit Path may share Consumer PII in aggregate, non-personal
form, with select companies that wish to reach a particular Consumer target
audience (e.g., female Consumers between the ages of 25-35, who have an average
household income of over $50,000.00). This information will allow these
entities to provide relevant offers to specific Consumers.
Finally, On Track Credit Path may disclose Consumer PII in order to: (1) comply with
applicable laws; (2) respond to governmental inquiries; (3) comply with valid
legal process; or (4) protect the rights or property of On Track Credit Path, the
Network Sites or other Consumers of this Site.
By registering and using this Web Site, Consumers acknowledge that the
processing of their Consumer PII for the purposes described above may involve
the transfer of such PII from within the United States of America
("USA") to countries outside the USA whose data protection regulation
may not be as stringent as that within the USA.
When you request quotes or request to be contacted through On Track Credit Path or our
other sites that we operate, you are authorizing us to share information with
our business partners who will contact you by phone, email, or mail. We may
also contact you through any of the above means. If you do not want further
communication from them or us, please notify the person or entity that contacts
you directly. We reserve the right to make changes in this policy at any time.
Business Transfer
As with any other business, it is possible that On Track Credit Path in the future
could merge with or be acquired by another company. If such an acquisition
occurs, the successor company will have access to the information maintained by
On Track Credit Path, including customer account information. Any successor company
will continue to be bound by this Privacy Policy.
Minors
You must be at least 18 years old to use this web site. We do not knowingly
collect, use, or disclose personal information about visitors under 18 years of
age. If you are under 18 years of age, you may not use the services offered on
our web site unless they are used with the consent, permission and supervision
of your parents or guardians.
Cookies and IP
Addresses
To serve you more efficiently and effectively, we use "cookies"
technology. A cookie is a piece of data stored on the user's hard drive that
contains information about the user. Cookies are not way linked to Consumer
PII. Once the user closes their browser, a cookie typically terminates. Cookies
enable a web site to "personalize" itself for each user and reduce
the time it takes for pages to load on your computer. In order to optimize your
experience, cookies also help with the collection of customer tracking data. We
may also capture customer tracking data on some of our partner's web sites,
related to activity involved with the completion of offers listed on our web
site. This information is used to monitor the performance of our partners. If
you reject cookies, you may still use our site, but your ability to use some
areas of our site will be limited. We also keep track of Internet Protocol (IP)
addresses and may disclose your IP address during the course and scope of our
business. An IP Address is a number that is used by computers on the network to
identify your computer every time you log on to the Internet.
Some of our non-affiliated business partners (e.g., advertisers) use cookies on
our site. We have no access to or control over these cookies. This Privacy
Policy covers the use of our cookies only and does not cover the use of cookies
by any advertisers.
Clear Gifs
We employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs)
that help us better manage content on our site by informing us what content is
effective. Clear gifs are tiny graphics with a unique identifier, similar in
function to cookies, and are used to track the online movement of Web users.
Clear gifs are not tied to users' personal information. We also use clear gifs in
our HTML-based emails to let us know which emails the recipients have opened.
This allows us to gauge the effectiveness of certain communications and the
effectiveness of our marketing campaigns. If users would like to opt-out of
these emails, please see the Opt-out section within any email you receive from
us or unsubscribe from our homepage by clicking here.
Opting-Out
We offer you choices when we ask for personal information, whenever reasonably
possible. We provide you the opportunity to "opt-out" of having your
personally identifiable information used for certain purposes, when we ask for
this information. You may decline to provide personal information to us and/or
refuse cookies in your browser, although some of our features or services may
not function properly as a result.
If you no longer wish to receive newsletter and promotional communications, you
may opt-out of receiving them by following the instructions included in each
newsletter or communication or by emailing or calling us per the information
contained on our contact page. You may continue to receive email communications
from us up to ten (10) business days from the time we receive your unsubscribe
request. Please note that On Track Credit Path can only control its own mailing list
and policies. Third party advertisers that maintain their own mailing lists may
send communications that advertise our services, and you may need to contact
these parties directly in order to stop receiving their communications.
Although On Track Credit Path only supports permission-based emails, On Track Credit Path
does not obligate itself to restrict third parties advertising On Track Credit Path
beyond that which is required by applicable law.
Advertisements &
Pop Up Windows
On occasion, you may receive advertisements for On Track Credit Path from third
parties. These advertisements are served by the third party web site that you
have visited or directly from this website or any site owned by the owner of
On Track Credit Path. In addition, such advertisements may be placed by third party ad
servers or ad networks. We maintain relationships with a number of the third
party ad networks currently operating. You may find more information at the web
site of either the individual ad network or the network advertising initiative.
Your relationships, transactions and any opt-out requests with any such third
party are governed by the specific policy such third party has, and not those
of On Track Credit Path.
Third Party Links
This Privacy Policy applies to all information that you provide to
On Track Credit Path. However, when you visit web sites to which On Track Credit Path
provides a link, keep in mind you will be interacting with a third party that
operates under its own privacy and security policies, and terms of use. If you
choose to obtain certain services through a third party site, the data
collected by the third party is governed by that third party's privacy policy.
A third party site will also have its own policy regarding the use of cookies
and clear gifs. We encourage you to review the privacy policies and terms of use
of any other service provider from whom you request services.
If On Track Credit Path receives personal information from a third party unrelated to
any service offered on our site, the use and disclosure of such information is
governed by the agreement (if any) between On Track Credit Path and such third party.
Framing
In some cases, we may require the use third party vendors, outside companies,
to operate portions of the On Track Credit Path web site and/or to provide certain
services including clerical, information processing and shipping services.
Although the particular section of the web site may have a similar appearance
as the On Track Credit Path site, information submitted through these outside third
parties are subject to this Privacy Policy unless otherwise stated.
When you sign up for our services, we will share only as much information as is
necessary for the provision of those services. We require that all third
parties, hired by On Track Credit Path, comply with our Privacy Policy in order to
keep your information safe and secure. These third parties are prohibited from
using or sharing your personally identifiable information for any purpose other
than the job they were hired to do.
Updating Your
Information
If you want to access or update the personal information you submitted to
On Track Credit Path please e-mail us at support@ontrackcreditpath.com or write us at
the following address.
On Track Credit Path
Attn: Customer Care
6330 S Belmont Rd Suite 4A
Downers Grove, IL 60516
Questions and
Suggestions
If you have any questions, concerns or suggestions about our Privacy Policy,
you may contact us:
:: By
sending an email to: support@ontrackcreditpath.com
:: By
sending a letter to:
On Track Credit Path
6330 S Belmont Rd Suite 4A
Downers Grove, IL 60516
Changes to this
Privacy Policy
On Track Credit Path reserves the right to update or modify this privacy statement at
any time and without notice. We will not jeopardize your privacy. The
provisions contained in this privacy statement supersede all previous notices
or policies regarding our privacy practices with respect to this site. Any and
all changes will be made here, to this privacy statement. If you do not agree
with the changes to how your information will be used, please do not continue
to use this web site
We encourage you to check our site frequently to see the current privacy
statement and to be informed of how we are committed to protecting your
information and providing you with improved content on our website in order to
enhance your online experience. Upon any material changes to the policy
statement, we will post those changes to this privacy statement, the homepage,
and/or other places we deem appropriate so that you are aware of what
information we collect, how we use it, and under what circumstances, if any, we
disclose it. Our Privacy Policy will indicate the date it was last updated.
Your continued use of our site will signify your acceptance of the changes to
our Privacy Policy.
Your California
Privacy Rights
CALIFORNIA RESIDENTS PRIVACY RIGHTS Companies that collect personally
identifiable information ("PII") from California residents and
disclose such information to Third Parties (including affiliated entities) for
marketing purposes must, in response to a request by a consumer, either (1)
provide a list detailing the categories of information shared and the entities
to which such information was provided, or (2) provide a mechanism by which a
consumer may opt-out of having their information shared with Third Parties. We
have elected the second option and you may request that your PII not be shared
with Third Parties by sending your request, including your full name, email
address and postal address to: support@ontrackcreditpath.com,
or by mail to California Privacy Information c/o On Track Credit Path,
6330 S Belmont Rd Suite 4A, Downers Grove, IL 60516.
In accordance with California Civil Code Sec. 1789.3,
California resident users are entitled to know that they may file grievances
and complaints with California Department of Consumer Affairs, 400 R Street,
Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210
or by email to dca@dca.ca.gov.
For more information on how your personally identifiable information is
collected and used, please read our complete Privacy Policy.
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.
LAST UPDATED 04-25-2017