This privacy policy regulates Your Credit Company, Inc. collection, use and discloser of non-public personal information (NPPI as defined below)  that was received or collected by us from our current and former clients regarding our current and former clients.  Your Credit Company, Inc. reserves the right to change this privacy policy at any time, so we recommend that you review it often.  If we make any changes to this policy, you will be notified here or by means of an announcement on our homepage.

The information we collect and how we collect it

Your Credit Company, Inc. collects the following NPPI:

1.    Information that you provide such as personal contact information
2.    Information regarding your transactions with us or any of our affiliates
3.    Information regarding your transaction with, non affiliate third-parties, which we disclose in order to fulfill a transaction that you have requested
4.    Information collected from any consumer reporting agency

Traffic data

Traffic data is information that does not identify you personally, but may include your IP address, ISP and other types of information that help us administer our site.  Your Credit Company, Inc. automatically tracks and collects traffic data.  We use cookies and web beacons to track traffic data and customers transactions for accounting purposes.

Any NPPI information that could identify a client or former client is not revealed in the collection and use of any traffic data.  We may share anonymous traffic and transaction information with our affiliates on an accumulative basis for marketing, accounting and site-effectiveness.

Non-public personal information

NPPI includes and information:

1.    You may provide to receive a financial product or service
2.    About you resulting from any transaction involving a financial product or service
3.    That we collect about you in order to provide a financial product or service that you request.

This type of information does not include any information that is collected anonymously or for the perpous of tracking information on our website.  For you to access most of the products and services available through this site, you may be required to provide NPPI such as:

Name
Address
E-mail address
Phone number
Employer and length of time you worked there
Number of years at your current address
Credit history
US Citizenship
Military service
Loan amount and purpose
Social security number
Drivers license number
Bank account or routing number
Date of birth
Debit or credit card number, expiration date and 3 digit codes

We use this information to identify you, to complete any requests for financial products or services, process requests for other products or services, and for customer service satisfaction.

Types of information we disclose

Your Credit Company, Inc. may disclose the NPPI that we collect about you to our affiliates or non-affiliated third-parties, as described below, and as otherwise allowed by law.

1.    To financial institutions such as banks, finance companies and other lenders and creditors in order to fulfill or respond to your request for credit.
2.    To affiliates and service providers who perform professional services for us, such as demographic analysis for marketing purposes and accounting.

We automatically encrypt NPPI, such as your social security number, driver’s license number, expiration dates and security codes.

Your Credit Company, Inc. will not sell, rent or otherwise disclose your NPPI to third-parties except as explained in this privacy policy and as allowed by law.

Why we request your e-mail address

Reasons we use your e-mail address

1.    Confirming your identity.
2.    Sending you notifications on the status of your transaction.
3.    Contacting you if we need any assistance to complete your transaction.
4.    Sending you newsletters and customer related material allowed by law.

When it comes to email abuse, Your Credit Company, Inc. has a zero tolerance policy.  If you receive any unsolicited e-emails from Your Credit Company, Inc. please report it immediately to us at This e-mail address is being protected from spam bots, you need JavaScript enabled to view it   We are, however, not responsible for any communications you may receive from any non-affiliated third-parties.

Your Credit Company, Inc. will never request you to provide NPPI in an e-mail.  PLEASE DO NOT RESPONDS to an e-mail that appears to be from us requesting NPPI.  Contact us immediately at 888-881-8488 or by e-mail at This e-mail address is being protected from spam bots, you need JavaScript enabled to view it

We will not store e-email addresses from e-mails that are sent to us.  If you contact us by e-mail, then we will respond by email.  Your Credit Company, Inc. will not store or use your email address in our database from such correspondence.

Choices you have in regards to the use of your information

E-mail correspondence.  Opt-out e-mails in one of two ways:

1.    Use the “uncheck” box next to the offer that you complete
2.    Use the “unsubscribe hyperlink” in the e-mail that you receive.

When you unsubscribe, you will receive a confirmation e-mail indicating your decision to opt-out.

Confirmations.  There is no option to opt-out of these types of e-mail messages because they are used to confirm your identity and your request to enter into a transaction.  Confirmation emails may contain important instructions regarding your transaction.  If you are not agreeable to receive these confirmation e-mails, please do not sign up for any services or products on this web site.

Access to your identifying non-public personal information

If you decide to change or delete your identifying NPPI, including your e-mail address, you may do so by contacting the non-affiliated third-party that processed your request.  Any information that you entered on the Your Credit Company, Inc. website will be updated every time you apply for a new or different service.

We reserve the right to disclose any of your NPPI, including your e-mail address, without your consent for the following reasons:

1.    To comply with Federal, State, or local laws, rules and other applicable legal requirements; or
2.    To comply with a properly authorized civil, criminal, or regulatory investigation, or subpoena or summons by Federal, State, or local authorities; or
3.    To respond to judicial process or government regulatory authorities having jurisdiction for examination, compliance, other purposes as authorized by law; or
4.    To our service providers to verify the integrity of the information collected; or
5.    To our affiliated business partners for accounting purposes.

Special note regarding any non-U.S. users and U.S. law

The regulations and laws of different countries and states apply different requirements on the use of the internet and data productions.  Your Credit Company, Inc. is located in Colorado, in the United States of America, along with the servers that make this web site available worldwide.  The laws of the State of Colorado and, the United States of America, regulate all matters relating to this web site.  If you provide any information while using this site, you will be determined to have authorized the transfer of your information to our servers in Colorado.

Minors

Your Credit Company, Inc. does not knowingly solicit any information from minors or send them requests for any information.  There may be links to other sites that offer services to persons under the age of 18; however Your Credit Company, Inc. will not offer any services for any persons under the age of 18.

This privacy policy applies to www.yourcreditcompany.com

This privacy policy applies to the website http://wwwyourcreditcompany.com and the users of this site.  It will not apply to any other web site whether it is a site that you may have linked to, or a site that may be linked to this site.  Your Credit Company, Inc. will not be responsible for the privacy practices on any other site, company or person.  We recommend that you learn about the privacy policies of any site you visit or companies that operate those sites.

Privacy policies and non-affiliate third-parties

This privacy policy applies only to Your Credit Company, Inc. website and it may be different than that of non-affiliate third-parties to which your NPPI may be disclosed to process the financial product or service you request.  Your Credit Company, Inc. encourages you to review the privacy policy of every website you visit, in which you are required to disclose your NPPI in order to obtain a product or service.

Use of this website

Using this web site represents to us that you are an adult under the laws of the jurisdiction where you reside and that you have reviewed the terms of this privacy policy and the Terms and Conditions posted on this site.  Please do not use this website or disclose any of your NPPI if the terms of this privacy policy are not acceptable to you or if you do not agree to all provisions of our Terms and Conditions.

Protecting your identifying non-public personal information

We advise you to take all necessary precautions to protect your identifying NPPI, both on and off the internet. 

Contacting us

Please contact us if you have any questions or concerns regarding this policy.  Contact the customer service department by telephone at 888-881-8488 or by email at This e-mail address is being protected from spam bots, you need JavaScript enabled to view it , or by mail at

Your Credit Company, Inc.
PO Box 1557
Colorado Springs, CO 80901

Security


Your Credit Company, Inc. is a VeriSign® secured website and uses a VeriSign® SSL Certificate for encryption.  Customer data is securely transmitted by Your Credit Company, Inc. to non-affiliated third-parties as permitted by this privacy policy or by law and to service providers through combination of encryption techniques and other privacy protection measures.  Selected NPPI submitted through the Your Credit Company, Inc. website such as your Social Security number, drivers license number, bank account or routing number, and debit or credit card numbers, expiration dates are encrypted.

Your Credit Company, Inc. also maintains and enforces strict internal policies to protect NPPI from unauthorized access by employees or third-parties.

Cookies

Your Credit Company, Inc. uses cookies, or small text files maintained by your web browsed, to enhance your interaction with this website.  Some cookies are stored on your hard drive.  You may reject or refuse cookies and still visit our website.  However if you reject cookies you may not be able to access all of the services on our website.

Some of the companies that offer products or services via our websites, and some of the companies that send visitors to our website pass cookies to your computer.  Please be aware that we have no control over cookies passed to you from other companies’ sites.

If you request information or purchase a product or service, you will be requested to enter NPPI on our website.  Selected NPPI is linked to the cookie stored on your computer so it will be easier for you to complete a transaction, you may have to re-enter selected NPPI which is not linked to cookies stored on your computer.

Encryption

Your Credit Company, Inc. uses encryption to secure selected NPPI such as social security numbers, driver’s license numbers, and credit card data.  Encryption is a way to scramble data to make it unreadable to anyone other than the intended recipient.  If it is intercepted by a third-party while traveling over a network it cannot be read.  Only the persons sending and receiving the encrypted data have a key to unscramble the data and make it readable.  Encryption provides privacy for email, discussion group postings, and other communications as they move over networks.  Your Credit Company, Inc. uses industry standard SSL, AES and RSA encryption.

Secure Sockets Layer

Secure Sockets Layer, (SSL#8217;) is the industry standard method for protecting web site communications by encrypting information thus making it unreadable to anyone except the holders of the keys used to read the information.  Your Credit Company, Inc. uses the SSL protocol to capture selected NPPI, such as your credit card numbers via the Internet.

SSL Certificate

A SSL Certificate binds an entity to a pair of electronic keys that can be used to encrypt and sign digital information.  A SSL Certificate makes it possible for you to verify that we have the right to use a given key, helping to prevent others from using phone keys to impersonate us.

Third data Sources

We use third-parties to verify the integrity of selected NPPI you provide so we can confirm your identity.

Web-beacons

A web beacons is a tracking marker that is placed within a web page or in an email message.  Web beacons are invisible to your eye, and are used to monitor a computer which is accessing a particular web page or email message and transfer the data to a server.  Your Credit Company, Inc. uses web beacons to :

    Count website visits at Your Credit Company, Inc. website;  track and account for transactional information on the websites of non affiliate third-parties or service providers;  collect aggregate transactional data for accounting purposes; track statistic about:

    The IP address of the computer that fetched the web beacon
    The URL of the page that the web beacon is located on
    The URL of the web beacon
    The time the web beacon was viewed
    The type of browser that fetched the web beacon image
    A previously set cookie value

This privacy policy was most recently undated on May 29, 2008