iCreditCentral bad credit or good credit we get you the credit you deserve.




·

Privacy / Security Policy

credit cards
Privacy Statement

Last Updated: January 25, 2008

Welcome to the iCredit Central™ web site, available at www.icreditcentral.com (this "Site"). This Site is owned and operated by iCredit Central, ("iCC"). This statement discloses the privacy practices and notices ("Policy") for the iCredit Central™ SITE and describes how we collect, protect and use information we receive from visitors to our Site. iCredit Central has created this Privacy Statement in order to demonstrate and inform you of our firm commitment to privacy.

iCredit Central is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent, non-profit organization whose mission is to build user’s trust and confidence in the Internet by promoting the use of fair information practices. This privacy statement covers the Web site www.icreditcentral.com. Because this Web site wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe.

If you have questions or concerns regarding this statement you should first contact Customer Support at support_ @_ icreditcentral.com. If you do not receive acknowledgement of your inquiry or your inquiry has not been satisfactorily addressed, you should contact TRUSTe at http://www.truste.org/consumers/watchdog_complaint.php TRUSTe will then serve as a liaison with us to resolve your concerns.

THE INFORMATION WE COLLECT There are two kinds of information web sites can obtain about you: 1. Anonymous Information: Anonymous Information is aggregate data that web sites use to administer their sites. It may include such information as your browser type or your Internet Protocol (IP) address. iCredit Central may from time to time retain third parties to help us collect and aggregate Site customer information. IP Addresses - An IP address is unique string of numbers that is assigned to your computer by your Internet Service Provider. Web servers automatically identify your computer by its IP address. We use your IP address to help diagnose problems with our server, to administer our Site, and may use it to gather broad demographic information. Cookie Information -As is the case with many web sites, our Site uses a technology called "cookies", which are small data files that are downloaded onto your computer. The use of cookies is standard on the Internet, and allows us to tailor your visits to our Site to your individual preferences. We may also contract with third party service providers who assign cookies to conduct site tracking for us. These companies use cookies solely to provide us with aggregate data about site traffic. We have no access or control of these third party cookies. Although most web browsers automatically accept cookies, you can change your browser to prevent cookies or notify you whenever you are sent a cookie. We do not link the information we store in cookies to any personally identifiable information you submit while on our site.

2. Personally Identifiable Information: Personally Identifiable Information is any information that personally identifies you, such as your name, email address or your telephone number. Sometimes this personal information is needed when you register to obtain a quote from a lender through iCredit Central™, subscribe to our email newsletter, or when you contact us. We may ask you to provide us with personal information on a voluntary basis in certain areas of our Site. In particular, you may be asked to provide the following information: Registration/Qualification Forms -When you complete a qualification form on the Site, you will need to provide personal and financial information such as your name, phone number, Social Security Number, e-mail address, income and other financial information depending upon your expressed loan or real estate referral preference. This information is then forwarded to lenders and/or real estate professionals who have signed up to receive your information. Your information is released to lenders and brokers only after you click on the "Submit" button. These lenders may contact you directly via phone, e-mail or other communications. All of these lenders and real estate agents operate under federal and/or state laws. Because iCredit Central has no contact with such independent lenders before or after your information has been forwarded to them, we recommend that you contact them directly for more information about their specific privacy policies. Email Correspondence - Scattered throughout the Site are links or forms that can be used to contact iCredit Central so you can comment, make a complaint, make suggestions, and ask questions. Your email address is required on this form so we can answer your questions, and we want your name, too, so we can address our answer in a mannerly way.

HOW WE USE GATHERED INFORMATION The information you share with us may be used in a few ways: 1. Anonymous Information: Anonymous Information is used internally for Site administration, troubleshooting and to help improve the quality of the web pages. We may share such aggregated, non-personally identifiable information, such as demographics, with existing and prospective business partners and advertisers. We never connect aggregate information with Personally Identifiable Information, and none of the aggregate information we share will contain any information that identifies you individually.

2. Personally Identifiable Information: Personally Identifiable information collected by iCC may be used for purposes including administration of the Site, lead processing and communications with you. From time to time, our advertising and promotional partners may desire to use your registration and other information to call your attention to offers they believe might interest you. If you prefer not to receive direct communications sent by our advertisers or promotional partners, you will be given an opportunity to decline before you provide us any information we might use for this purpose. In all cases, however, we will use your information only as permitted by law. We may also disclose Personally Identifiable Information if we are required to do so by law or we in good faith believe that such action is necessary to (a) comply with the law or with legal process; (b) protect and defend our rights and property; (c) protect against misuse or unauthorized use of the Site; or (d) protect the personal safety or property of our users or the public. Please note that we may not provide you with notice prior to disclosure in such cases. We do not share, sell, rent or trade your PII with third parties for their promotional purposes.

OPT-OUT Although most iCredit Central users indicate that they welcome details of offers and other promotional material about iCredit Central™, as well as products and services provided by our business partners and advertisers, we support the right of our visitors to choose. You will be given the right to opt-out of receiving such information whenever you are asked to provide Personally Identifiable Information on this Site. If you do not opt-out at that time, but later decide that you do not wish to receive future communications of this nature you can contact customer service indicating that you no longer want to receive (a) information relating to the iCredit Central Site; or (b) information relating to products and services provided by our business partners and affiliates. You may also follow the unsubscribe instructions contained in each promotional email sent by iCC.

ACCOUNT REVISIONS, REVOKING AND DELETING PERSONAL INFORMATION. We welcome your questions, comments and all feedback pertaining to your privacy or any other issue with regard to the iCredit Central Site. At any time, you may revoke your consent, cease further use of your email address to send you updates, and direct us to delete the information you have supplied. Although it is not always possible to remove or modify information in the databases, we will make reasonable efforts to do so. If you have given us information for one of those third parties we mentioned above and we have already passed it on, we cannot delete or change the information.

Contact You have a right to know about the personal information that iCredit Central holds about you, including the right to correct, amend or delete the information that iCredit Central has on file if it is incorrect. If you wish to exercise these rights please contact us by email (support _@_ icreditcentral.com) or postal mail at the addresses below. In the event that you have given us Personally Identifiable Information in the past and then have second thoughts or want to update it, you may send an email or contact us by:

E-mail: support _@_ icreditcentral.com

Telephone: (615) 599.9609 x701

ADDRESS 28202 CLOCKTOWER DR. FRANKLIN, TN 37067

SECURITY This Site incorporates appropriate safeguards to protect the security, integrity, completeness, accuracy and privacy of the personal information we have collected. We have put in place reasonable precautions to protect information from loss, misuse and alteration, including Secure Socket Layer (SSL) technology and database encryption. While on a secure page, the lock icon on the bottom of web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to unlocked, or open, when you are just "surfing". To learn more about SSL, follow this link: http//:www.verisign.com. While we use SSL encryption to protect sensitive information online, we also do everything in our power to protect user information off-line. Our security and privacy policies are periodically reviewed and enhanced as required and only authorized individuals have access to the information you provide. Security of information communicated by or to us over the Internet is of utmost concern to us; however, no data transmission over the Internet can be guaranteed to be 100% secure. Please note that your email, like most, if not all, non-encrypted Internet communications, may be accessed and viewed by other Internet users, without your knowledge and permission, while in transit to us. For that reason, to protect your privacy, please do not use email to communicate information to us that you consider confidential. While we strive to protect your personal information, "ICC" cannot ensure or warrant the security of any information you transmit to us or through our Site, and you do so at your own risk. Once we receive your transmission, we will use reasonable efforts to ensure its security on our internal systems. Depending on the nature of the inquiry, your communication may be discarded or archived. If you wish, you may contact us instead via telephone at the numbers provided throughout our Site.

DISCLOSURE OF CUSTOMER INFORMATION THROUGH BUSINESS TRANSFERS As we continue to develop our business, we may buy, merge or partner with other companies or businesses, and in so doing, acquire customer information. In such transactions, user information may be among the transferred assets. Similarly, in the unlikely event that a portion or substantially all of iCredit Central's assets are sold or transferred to a third party, customer information (including your email address) would likely be one of the transferred business assets.

EXTERNAL LINKS This Site provides links and/or ad banners to various web sites or sponsors that we do not control for your convenience. When you click on one of these links, you will be transferred out of our Site and connected to the web site of the organization or company that you selected. We are not responsible for the nature, quality or accuracy of the content or opinions expressed in such web sites, and such web sites are not investigated, monitored or checked for quality, accuracy or completeness by us. Inclusion of any linked web site on the iCredit Central™ Site does not imply or express an approval or endorsement of the linked web site by us, or of any of the content, opinions, products or services provided on these web sites. Even if an affiliation exists between our Site and a third-party web site, we exercise no control over linked sites. Each of these linked sites maintains its own independent privacy and data collection policies and procedures. While iCredit Central expects its partners, advertisers and affiliates to respect the privacy of our users, iCredit Central cannot be responsible for the actions of third parties. If you visit a web site that is linked to our Site, we encourage you to consult that web site's privacy policy before providing any personal information and whenever interacting with any web.

CONSENT AND MODIFICATIONS TO PRIVACY STATEMENT This Site is controlled, operated and administered entirely within the United States. By using this Site, you signify your agreement to the terms of this Policy. If you do not agree with this Policy, please do not disclose any personal information through this Site. This Policy and the use of this Site are governed by Tennessee law. Any claim related to the Site or this policy shall be brought in a federal or state court in Davidson County, Nashville, Tennessee, within one year after the claim arises. Users of the Site consent to the jurisdiction and venue of such courts as the most convenient and appropriate for the resolution of disputes concerning this Policy. This Policy and the notices outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any third party. If we decide to change our privacy policy, we will post those changes to this privacy statement, the home page, and 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. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you by email, or by means of a notice on our home page. If you have questions or concerns regarding this statement, you should first contact CUSTOMER SERVICE at support_@_ icreditcentral.com.