Privacy

CreditWorks LLC’s Privacy Policy
This Privacy Policy describes CreditWorks LLC’s (“Credit4Work!”, “we” or “us”) policies and procedures on the collection, use and disclosure of your information on www.creditworksonline.com (the “Site”). We want you, our customer, to understand how we collect and use data about your Site visit, specifically the portions of the Site that require you to register and/or log in to gain access. This Privacy Policy identifies what information the Site collects and how it is used.

INFORMATION COLLECTION
By registering and using our services on the Site, you voluntarily and willingly provide us certain information, including personally identifiable information, which we collect in order to provide Credit4Work!’ services. We collect personal and financial information while you use the Site, and most of this collection occurs during registration and the loan application process. If you have any hesitation about providing us with information, which may be used in the manners permitted in this Privacy Policy and Credit4Work! Terms of Use, you should not register, or use our services, or access our Site; if you are already registered, you should close your online account.
Anonymous Information. We may collect two types of information through this Site: anonymous information and personally identifiable information. Anonymous data regarding the use of the Site does not identify individual users by itself or in combination with other information. The anonymous data we collect can include information such as the type of browser you are using, IP address, geographical location, the pages you view, and the length of your visit to the Site. We gather this anonymous information to improve the performance of the Site, the services provided on our Site, and the information we provide. The linkage between your IP address and your personally identifiable information is not shared with third parties without your permission, except as described in this Privacy Policy.
Personally Identifiable Information. We may also ask you to provide personally identifiable information (“PII”) on the Site, which may include, but is not limited to, your name, address, telephone number, date of birth, social security number, employer name, and email address. This information can be gathered when you send us an email, or when you complete the specific web page registration form, or the loan application. In all cases, you choose whether to provide us with the PII, but without the requested PII, certain portions of the Site may not be available to you, or we may not be able to effectively respond to your inquiries.
My Account. In order to use our services on the Site, you must provide us the following information to create an account: your first and last name, your email address, phone number, and a password. Like other passwords, you should choose one that is sufficiently complex and known only by you. We will also collect your birth date to determine if you are of legally sufficient age to use Credit4Work! services. We may also ask you to provide additional personal information regarding your customer account with Credit4Work!. This additional information may include existing account numbers, social security number, bank account numbers and so forth.
Surveys and Feedback. If you voluntarily submit information to us, including survey participation, feedback, and information request responses, we will collect the information you submit. In each case, you will know the data we collect, because you have actively submitted it. We will use the data you voluntarily submit to us for the purposes we describe in this Privacy Policy, as well as any purposes that we describe to you when we collect such information.

COOKIES

If you visit our Site, we may place a small data file on your computer (often called a “cookie”) when you login to identify and enhance your web usage on our Site. In addition, we may use cookies to display relevant advertising or recommendations to you when you visit our Site. You are free to decline cookies, but by doing so, you may not be able to use certain features on the Site, or take full advantage of all of our offerings. Check the “Help” menu of your Internet browser to learn how to change your cookie preferences.

USE AND DISCLOSURE OF INFORMATION
Affiliate and Non-Affiliate Use

The personal information we collect comes from the following sources:

1. Information we receive from you, such as your name, address, and telephone number;
2. Information about your transactions with us, such as your loan balances, payment history, and loan activity; and
3. Information we receive about you from other sources, such as your employer or other third parties.

We may disclose any of the above information that we collect to affiliates and nonaffiliated third parties as described below.
Affiliates to Whom We May Disclose Personal Information

Our affiliates are the family of companies controlling, controlled by, or under common control with Credit4Work!. We may disclose your personal information to affiliates in several different businesses, including banking, consumer finance, insurance and securities. Our affiliates include those doing business under the Credit4Work! name. Our ability to share information with our affiliates helps us provide you with quality products and services. Unless otherwise permitted by law, you may opt out of having us disclose other information that you provide to us, or that we obtain from third parties (for example, your employer), to our affiliates by contacting us directly at [email protected] or by calling our toll-free number 800-409-3765.
Nonaffiliated Third Parties to Whom We May Disclose Personal Information

Nonaffiliated third parties are those not part of the family of companies controlling, controlled by, or under common control with Credit4Work!. We may disclose personal information (except your account number and/or access codes) about you to the following types of nonaffiliated third parties: (1) financial services providers, such as companies engaged in banking, credit cards, consumer finance, securities, and insurance businesses; and (2) non-financial companies, such as companies engaged in direct marketing, or consumer products and services. However, you may choose to opt out of having your personal information disclosed to nonaffiliated third parties by contacting us directly at [email protected] or by calling our toll-free number 800-409-3765.
Uses by Credit4Work!. Credit4Work! may use the personal information you provide through the Site in a manner that is consistent with this Privacy Policy and as permitted by law. We use the information collected through the Site for statistical purposes, for improving the Site, for providing Credit4Work! services, and for marketing.
We may disclose PII in order to respond to a subpoena, court order, law enforcement agency request, or as required by law. We may also disclose your personal information to third parties as permitted by law, such as disclosures necessary to process and service your loan or loans, to protect against fraud, and to protect the security or confidentiality of our records.
We may provide your PII to a third party if we file for bankruptcy, or there is a transfer of our assets or ownership in connection with proposed or consummated corporate reorganizations, such as mergers, acquisitions or sales of business units.
Uses by Third Parties. We do not provide your PII to third parties for their marketing purposes without your prior request or consent. Credit4Work! works closely with certain businesses to provide you with products and services. These businesses may occasionally, make special offers available to Credit4Works!’ Site customers. If you request to receive information about these offers, we will share your personal information with these companies so that they can send you details about special offers. You should know in advance, each of these companies has its own policies with respect to the collection and use of personal information. Credit4Work! is not responsible for third party use of your information.

INFORMATION SECURITY
We take reasonable steps to protect the personal information submitted to us, both during transmission and once it is received. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to protect your personal information, we cannot guarantee its absolute security.  There may be security, transmission or other risks associated with the use of the Internet, the Site and Credit4Work! online services, and you expressly assume any and all such risks. Accordingly, you are responsible for obtaining all software, hardware, or other equipment necessary to safely use the Site and Credit4Work! online services and mitigate such risks, including, without limitation, the use of up-to-date web-browsers and appropriate encryption, antivirus, anti-spyware, and Internet security software. You are also responsible for maintaining the confidentiality of your login information, including user name and password. You are also responsible for all uses of your password, whether or not authorized by you. You must inform us immediately of any unauthorized online access of your user name or password.

OTHER WEBSITES
Please be aware that our Site may contain links to other sites on the Internet that are owned and operated by third parties. The information practices of linked websites are not covered by this Privacy Policy. Credit4Work! is not responsible for the privacy policies of the websites to which this Site links. If you provide any information to third parties, different rules regarding the collection and use of your PII may apply. We strongly suggest you review third party privacy policies before providing your personal information.

CHILDREN
Credit4Work! understands the importance of protecting children’s privacy in the online world. The Site covered by this Privacy Policy is neither designed for, nor intentionally targeted to children 17 years of age or younger. It is not our policy to intentionally collect or maintain information about anyone 17 years of age or younger.

INQUIRIES, CORRECTIONS AND COMPLAINTS
You are responsible for ensuring that the personal information you have submitted or access through the Site is accurate and complete. Please contact us immediately if you notice suspicious account activity or changes to your profile you did not request.
Please feel free to contact us with any comments, questions or suggestions you might have regarding the information practices described in this Privacy Policy. You may contact us from the Contact menu within the Site, or write to us at:
CreditWorks LLC

P.O. Box 331339

Coconut Grove, FL 33133

Attn: Customer Care
If you wish to modify or update any information we have received, please contact us at: [email protected].

MODIFICATIONS OF THIS PRIVACY POLICY
We reserve the right to modify this Privacy Policy at any time, and at our sole discretion. When we make changes to this Privacy Policy, we will alert you that changes have been made by indicating the date this Privacy Policy was last updated. When you visit our Site, or use our services, you are accepting the current version of this Privacy Policy as posted on the Site. We encourage you to frequently review this Privacy Policy for any modifications.
Effective Date: February 20, 2017.