Last updated on 2021-06-02
USE OF APP
We do not knowingly solicit information from or market to children under the age of 13. If you become aware of any data we have collected from children under age 13, please contact us at Eileen@TheCreditGal.com.
COLLECTION OF YOUR INFORMATION
We may collect information about you in a variety of ways. The information we may collect via the App depends on the content and materials you use, and includes:
Demographic and other personally identifiable information (such as your name and email address) that you voluntarily give to us when choosing to participate in various activities related to the App, such as chat, posting messages in comment sections or in our forums, liking posts, sending feedback, and responding to surveys. If you choose to share data about yourself via your profile, online chat, or other interactive areas of the App, please be advised that all data you disclose in these areas is public and your data will be accessible to anyone who accesses the App.
Information our servers automatically collect when you access the App, such as your native actions that are integral to the App, including liking, re-blogging, or replying to a post, as well as other interactions with the App and other users via server log files.
Data from Social Media Platforms and Networks
User information from social networking sites, such as Facebook, Google+, Instagram, Pinterest, TikTok, Snapchat, and Twitter, including your name, your social network username, location, gender, birth date, email address, profile picture, and public data for contacts, if you connect your account to such social networks. This information may also include the contact information of anyone you invite to use and/or join the App.
We may request access or permission to and track location-based information from your mobile device, either continuously or while you are using the App, to provide location-based services. If you wish to change our access or permissions, you may do so in your device’s settings.
Mobile Device Access
We may request access or permission to certain features from your mobile device, including your mobile device’s Bluetooth, calendar, camera, contacts, microphone, reminders, sensors, SMS messages, social media accounts, storage, and other features. If you wish to change our access or permissions, you may do so in your device’s settings.
Mobile Device Data
Device information such as your mobile device ID number, model, and manufacturer, version of your operating system, phone number, country, location, and any other data you choose to provide.
We may request to send you push notifications regarding your account or the App. If you wish to opt-out from receiving these types of communications, you may turn them off in your device’s settings.
Information from third parties, such as personal information or network friends, if you connect your account to the third party and grant the App permission to access this information.
Data From Contests, Giveaways, and Surveys
Personal and other information you may provide when entering contests or giveaways and/or responding to surveys.
USE OF YOUR INFORMATION
We collect and use your personal information to provide a customized and smooth customer experience. Specifically, we may use information collected about you via the App to:
- Compile anonymous statistical data and analysis for use internally or with third parties.
- Create and manage your account.
- Deliver targeted advertising, coupons, newsletters, and other information regarding promotions and the App to you.
- Email you regarding your account or order.
- Enable user-to-user communications.
- Fulfill and manage purchases, orders, payments, and other transactions related to the App.
- Generate a personal profile about you to make future visits to the App more personalized.
- Increase the efficiency and operation of the App.
- Monitor and analyze usage and trends to improve your experience with the App.
- Notify you of updates to the App.
- Offer new products, services, mobile Apps, and/or recommendations to you.
- Perform other business activities as needed.
- Prevent fraudulent transactions, monitor against theft, and protect against criminal activity.
- Process payments and refunds.
- Request feedback and contact you about your use of the App.
- Resolve disputes and assist law enforcement when necessary, respond to legal claims or otherwise comply with our legal obligations;
- Respond to product and customer service requests.
- Send you a newsletter.
- Solicit support for the App.
DISCLOSURE OF YOUR INFORMATION
We may share information we have collected about you in certain situations. Your information may be disclosed as follows:
By Law or to Protect Rights
If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by any applicable law, rule, or regulation. This includes exchanging information with other entities for fraud protection and credit risk reduction.
Third-Party Service Providers
We may share your information with third parties that perform services for us or on our behalf, including payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance.
With your consent, or with an opportunity for you to withdraw consent, we may share your information with third parties for marketing purposes, as permitted by law.
Interactions with Other Users
If you interact with other users of the App, those users may see your name, profile photo, and descriptions of your activity, including sending invitations to other users, chatting with other users, liking posts, following blogs.
When you post comments, contributions or other content to the Apps, your posts may be viewed by all users and may be publicly distributed outside the App in perpetuity
We may use third-party advertising companies to serve ads when you visit the App. These companies may use information about your visits to the App and other websites that are contained in web cookies in order to provide advertisements about goods and services of interest to you.
We may share your information with our business partners to offer you certain products, services or promotions.
Social Media Contacts
If you connect to the App through a social network, your contacts on the social network will see your name, profile photo, and descriptions of your activity.
Other Third Parties
We may share your information with advertisers and investors for the purpose of conducting general business analysis. We may also share your information with such third parties for marketing purposes, as permitted by law.
Sale or Bankruptcy
We are not responsible for the actions of third parties with whom you share personal or sensitive data, and we have no authority to manage or control third-party solicitations. If you no longer wish to receive correspondence, emails or other communications from third parties, you are responsible for contacting the third party directly.
Cookies and Web Beacons
You should be aware that getting a new computer, installing a new browser, upgrading an existing browser, or erasing or otherwise altering your browser’s cookies files may also clear certain opt-out cookies, plug-ins, or settings.
SECURITY OF YOUR INFORMATION
We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse. Any information disclosed online is vulnerable to interception and misuse by unauthorized parties. Therefore, we cannot guarantee complete security if you provide personal information.
OPTIONS REGARDING YOUR INFORMATION
You may at any time review or change the information in your account or terminate your account by:
- Logging into your account settings and updating your account
- Contacting us using the contact information provided below
Emails and Communications
If you no longer wish to receive correspondence, emails, or other communications from us, you may opt-out by:
- Noting your preferences at the time you register your account with the App
- Logging into your account settings and updating your preferences.
- Contacting us using the contact information provided below
- If you no longer wish to receive correspondence, emails, or other communications from third parties, you are responsible for contacting the third party directly.
The California Consumer Privacy Act (CCPA) requires us to disclose categories of Personal Information we collect and how we use it, the categories of sources from whom we collect Personal Information, and the third parties with whom we share it, which we have explained above.
We are also required to communicate information about rights California residents have under California law. You may exercise the following rights:
Right to Know and Access. You may submit a verifiable request for information regarding the: categories of Personal Information we collect, use, or share;
- purposes for which categories of Personal Information are collected or used by us;
- categories of sources from which we collect Personal Information; and
- specific pieces of Personal Information we have collected about you.
Right to Equal Service. We will not discriminate against you if you exercise your privacy rights.
Right to Delete. You may submit a verifiable request to close your account and we will delete Personal Information about you that we have collected.
In order to verify your identity when you make a request, you will be required to log in to your password-protected account or respond to an email verification request.
We do not sell the Personal Information of our users. For more information about these rights, please see “Choices you have about your info” above, and to exercise them, please contact us at Eileen@TheCreditGal.com.
In addition to exercising these rights yourself, you may also designate an authorized agent to make these requests on your behalf. In order to do this, we will ask you to verify the request directly via email or through your password-protected account.
By email at Eileen@TheCreditGal.com
Or by writing to us by mail at Phila, PA ; Data protection officer is Eileen E Galbraith