The privacy and security of your nonpublic personal information* is of utmost importance to us. This Notice contains details on the measures we have taken to safeguard your nonpublic personal information, and is provided to you pursuant to the Privacy of Consumer Financial Information Act**.
We are pleased to provide you with the following details regarding the privacy and security of your nonpublic personal information:
The categories of information we collect about you;
The categories of information we disclose about you;
The protection measures we use to safeguard your nonpublic personal information; and,
The impact of this Notice on you.
The Categories Of Information We Collect About You:
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We gather nonpublic personal information about you that we believe is necessary or useful in order to conduct business with you. We may collect nonpublic personal information about you from the following sources:
Information we receive from you on credit applications or other forms, over the telephone with you, in face-to-face meetings with you, and via the Internet from you. Examples of such information include your personal address, birth date, credit history, employment data, name, social security number, telephone number, and other nonpublic personal financial information.
Information about your transactions with us, our affiliates, or others. Examples of this information include account balances, account histories, payment experiences, and parties to your transactions.
Information we receive from consumer reporting agencies. Examples include your credit report, credit score, and other data relating to your creditworthiness.
Information we obtain from outside sources regarding your credit, deposit, employment, and other relationships. Examples of this information include deposit and employment verifications, loan balances, and property insurance coverages.
Sharing of Information
We may share the collected personally identifiable information and non-personally identifiable information for any legally permissible purpose in our sole discretion, including but not limited to those explained below.
Within the Company
We may share information we collect with companies affiliated with the website, including our parent company and other subsidiaries of our parent company, for use in their ad serving and marketing programs.
Additionally, by submitting information on the registration form, you are automatically subscribed to a periodic e-mail communicating various offers that we think you might like based on the registration you provided, and any offers that you selected in this promotion. You may unsubscribe from e-mails at any time by clicking on the link provided at the end of the e-mail.
This Privacy Policy does not apply to affiliated companies and their collection, use and sharing of information. With respect to online behavioral advertising, certain affiliated companies may use Non-personally identifiable information (which may or may not include click stream information, browser type, time and date, subject of advertisements clicked or scrolled over) collected during your visits to this and other websites in order to provide advertisements about goods and services likely to be of greater interest to you. These companies typically use a cookie or third party web beacon to collect this information. To learn more about this behavioral advertising practice or to opt-out of this type of advertising, you can visit www.networkadvertising.org.
Vendors
We may share your information with various third party vendors that are not part of the Company, including but not limited to vendors that provide us with technology to deploy commercial e-mail, vendors that sell the products or services for which you have qualified through the website, and shipping companies that we utilize to ship products to you.
Advertisers
When you participate in an offer by completing a form, we will transfer the information you submitted on the form to the applicable advertiser. When you answer a survey question, some or all of the information that you submitted during the website registration process will be transferred to advertisers that we believe may be of interest to you without providing you with another opportunity to review the information.
Ad Serving Companies
We may use third party ad networks or ad serving companies to serve advertisements on our websites. We pass information about you to these companies so that they can deliver targeted advertisements that they believe will be of interest to you. The information passed to these companies may include, but is not limited to, your IP address, e-mail address, name, mailing address, telephone number(s), date of birth, gender, and any other information you provide to us or we obtain about you.
Third Party Marketing Partners
We may share, license or sell your information to third parties for various marketing purposes, including their online (e.g., e-mail marketing) and offline (e.g., telemarketing, cell phone text messaging, skip tracing, pre-recorded messages, automated attendant telemarketing, and direct mail) marketing programs.
Data Enhancement/Appending/Validation
We may use third party service providers to enhance our database with additional elements, including but not limited to the information provided by you to us on the website. Further, we may use third party service providers to append telephone numbers to other data points we have in our database. We also may use third party service providers to validate the data we have in our database.
Additionally, we may share, license or sell your information to third parties for use in their data validation, enhancement, information verification services, and, to the extent permitted by law, individual reference or look-up services. We may also provide your information to third parties to append data points they have in their database.
Government Agencies or Other Companies
We may share your information with law enforcement officials or governmental agencies: (1) in response to their request; (2) when permitted or required by law; or (3) to establish our compliance with applicable laws, rules, regulations, or guidelines. We may store and share your information with third parties for suppression or opt-out purposes. We also may share your information with third parties when: (1) trying to protect against or prevent actual or potential fraud or unauthorized transactions; (2) investigating fraud that has already taken place; (3) enforcing or applying existing terms and conditions and/or other agreements; (4) protecting the rights, property or safety of our websites, our users or others; or (5) responding to subpoenas, court orders or legal process, or to establish or exercise our legal rights or defend against legal claims.
Right to Transfer
Should the Company choose to sell or transfer business assets, it is possible that the information we possess may be transferred as part of that transaction. The Company may decide to retain a copy of the information post sale or transfer.
The Protection Measures We Use To Safeguard Your Nonpublic Personal Information:
We restrict access to your nonpublic personal information to those employees who need to know that information in order to provide products or services to you.
We maintain electronic, physical, and procedural safeguards that comply with federal regulations to protect your nonpublic personal information.
We devote considerable resources to the maintenance of secure Internet communications to help ensure that your transactions with us are conducted in a safe environment.
The Impact Of This Notice On You:
This Notice is effective as of January 1st, 2011 and applies to products and services provided by BankRateAmerica and affiliates that are used primarily for personal, family, and household purposes. We reserve the right to amend (i.e. add to, change, or delete) the terms of this Notice from time-to-time.
*Information that is not publicly available and that i)a consumer provides to obtain a financial product or service, ii)results from a transaction with a consumer involving a financial product or service, or iii)is obtained about a consumer in connection with providing a financial product or service.
**Implemented by Title 16, Part 313 of the Code of Federal Regulations (i.e. 16 CFR 313).