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Privacy and Security
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Creditos123 LLC is serious about protecting your online privacy. This Privacy Statement
explains our views and practices concerning privacy, and how they may pertain to
you as a user of our system. "You" or "Your" means you as a participant in or as
a user of the Creditos123 LLC program. "We" or "Our" or "Us" means Creditos123 LLC.
"Our site" means Creditos123 LLC.
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All information transmitted, printed or otherwise
submitted to Creditos123 LLC via this website shall be deemed to be the property
of Creditos123 LLC and Creditos123 LLC shall be free to use such information for
any lawful purpose as detailed herein.
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This site contains links to other sites and
we are not responsible for the privacy practices or the content of such sites.
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We reserve the right to release such information to law enforcement or other governmental
officials as we, in our sole and absolute discretion, deem necessary to comply with
the law.
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Section 1.
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Collected Information
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We automatically collect and/or track the following:
- web page http headers (home server domain names, IP address, type of client computer,
and type of Web browser);
- information knowingly provided by you through on-line forms, registration forms,
surveys, and/or other entries, such as email addresses, personal, financial or demographic
information;
- information, user specific or aggregate, on what pages our visitors access and
- the e-mail addresses of visitors that communicate with Creditos123 LLC via e-mail.
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Section 2.
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Use of Data Collected
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We use your personal, demographic and profile data to enhance your experience at
our site and to enable us to present content we think you might be interested in.
We use your contact information to send you information about our company and promotional
material from our partners. We may also use your personal, demographic and profile
data to improve our site, for statistical analysis, for marketing and promotional
purposes, and for editorial or feedback purposes for our advertisers. Information
collected by us may be added to our databases and used for future e-mails or postal
mailings regarding site updates, new products and services, upcoming events, and/or
status of orders placed online.
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Section 3.
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Disclosure of Data to Third Parties
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If you choose to provide personal information, it will be used for the following
purposes:
- sharing of your information with trusted third parties such as credit bureaus and
or other financial services providers,
- as required by law and
- for marketing products and services which we determine, in our sole judgment, that
you might find of interest. We reserve the right to share, rent, sell, or otherwise
disclose data we collect to third parties. Any third party we share, rent, sell,
or otherwise disclose data to will be carefully prescreened by us, determined by
us to be reputable, and will use the personal data for marketing products and services
which we determine, in our sole judgment, that you might find of interest.
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Section 4.
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Your Opt-Out Rights
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You may opt-out of receiving communications from us and or our partners by not submitting
your information. We also allow you to remove your information from our database.
If you remove your information from our database it will no longer be used by us
for secondary purposes, disclosed to third parties, or used by us or third parties
to send promotional correspondence to you. You can remove your information by sending
your request in writing via email to administrator@Creditos123.com.
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Section 5.
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Your Rights To Your Personal Data
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Upon request via postal mail or e-mail, we will provide you a summary of personal
information retained by us. We will only send your personal records to your e-mail
address or postal address we have on file for you. To modify, correct, change, update
or remove your personal record from our database, click here or send your request
via email to: administrator@ Creditos123.com.
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Section 6.
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We Do Not Intend To Collect Data From Children
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The information and services provided to us or our affiliates, sponsors, and advertisers
are not intended to be viewed by children (under 18 years old). No information collected
from children is knowingly used for any marketing or promotional purposes whatsoever,
either inside or outside Creditos123 LLC.
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Section 7.
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Our Right To Contact You
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We reserve the right to contact you regarding your account status and changes to
subscriber agreements, privacy policy, or any other policies or agreements relevant
to you.
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Section 8.
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Our Right To Change
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We reserve the right to change this policy at any time by notifying you of the existence
and location of the new or revised privacy policy or by posting the changes online
at our site.
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Section 9.
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Our Contact Information
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If you have any questions about this privacy statement, the practices of this site,
or your dealings with this website, you can contact us via email sent to: administrator@
Creditos123.com.
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Section 10.
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Anti Spam Policy. Can-Spam Act Compliance
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Creditos123 LLC is dedicated to ensuring compliance with the 'Can-Spam Act', which
took effect January 1, 2004. You may receive email from Creditos123 LLC in the following
circumstances: Acknowledging your application has been received and requesting additional
action. Requests for additional information to support your current application.
Response to your inquiries regarding the status of your loan, payment due dates,
extension requests and other transactional requests. Thanking you for your valued
business. Advertisements for our products, services, changes in services, new product
availability. Advertisements for third party products and services where we have
determined that such product or service may be of interest to our customers. To
ensure compliance with the Can-Spam Act, Creditos123 LLC has implemented the following
guidelines for email delivery: All emails sent to you by Creditos123 LLC will clearly
identify Creditos123 LLC as the sender. FROM / SENDER: Creditos123.com
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The Subject Line of any email you receive will always accurately describe the subject
matter of the email. Any email from Creditos123 LLC will include the ability to
unsubscribe from future email messages. Unsubscribing will ensure the customer is
removed from ALL lists at Creditos123 LLC; this excludes customer service emails
regarding the processing and status of a current loan application. Advertising emails
from Creditos123 LLC will include information that the email is an advertisement,
either in the body or footer of the email. All emails sent to you directly by Creditos123
LLC include valid postal address information in the footer. The address for Creditos123
LLC is:
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Creditos123 LLC
15851 Dallas Parkway, Suite 600
Addison, TX 75001
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All third party marketing partners are required to comply with the Can-Spam Act.
Emails sent to you directly by Creditos123 LLC will include an email address and
physical address where you can send suggestions, complaints or other correspondence.
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Section 11.
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Third Party Can-Spam Compliance
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In addition to the compliance issues described in Section 10, Creditos123 LLC requires
third party marketers to comply with additional email marketing requirements. Creditos123
LLC makes every effort to ensure that all third party vendors comply with the requirements
of the CAN-SPAM Act. This includes contractual agreements to comply, approval of
third party ads by Creditos123 LLC prior to delivery, spot checks on third party
emails and other efforts deemed reasonable by Creditos123 LLC in order to ensure
ongoing compliance. Third party email may only be delivered to individuals who have
provided the third party marketer with direct or indirect permission to email offers.
In the event of a complaint regarding a third party marketer, within 72 hours that
marketing partner will provide the complainant with: The website at which the complainant
signed up A link to the privacy policy of the sign-up site evidencing a privacy
policy which clearly indicates the complainant has given permission to receive email
offers The date the complainant signed up or opted in (and the time if available)
The I.P. address from which the complainant signed up
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Information for ISPs
Web site: Creditos123.com
Company Name: Creditos123 LLC
Email Address: administrator@Creditos123.com
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Creditos123 LLC understands consumers' concerns over the use of their personal information.
We hope this information will relieve any concerns your company may have regarding
our email policies.
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Creditos123 LLC and its affiliated sites use only an "opt-in or opt out" method
of obtaining customer information, and it is not our policy to send unsolicited
email. We obtain email addresses and personal information from third parties that
follow the same set of policies.
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Creditos123 LLC email messages sent include the following information about the
origin of the emails and include instructions on how recipients can unsubscribe
from receiving future email messages:
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This email is not sent unsolicited. This is a Creditos123 LLC emailing.
Offers are sent to subscribers ONLY.
The e-mail address you subscribed with is:
To be removed from our list, click here .
View our privacy policy
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ISP's view our policies.
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From time to time, Creditos123 LLC will enter into an arrangement with a third party
website to allow individuals to opt into our marketing program on those third party
websites. In each case the third party websites have represented and warranted to
us, among other things,
- that the data was collected voluntarily from individuals on website registrations
and co-registrations,
- that the sellers have a right, under any applicable privacy statements, to transfer
the data to us, and
- that Creditos123 LLC has the right to send marketing offers to the individuals.
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We hope this information satisfies any questions or concerns you may have regarding
the email practices of Creditos123 LLC.
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If you have additional questions or wish to discuss this matter further, please
contact us at administrator@Creditos123.com.
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Regarding Refinance Opt-in: We are not acting as a lender or broker. The information
provided by you is not an application for a loan nor is it used to prequalify you
with a lender.
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By submitting your expression of interest you are consenting to receive telephone
calls and or email from our participating lenders even if you are currently on the
DO NOT CALL list.
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