CardRight Privacy Policy

Last Updated on October 31, 2022

This privacy policy describes the types of information Cardright LLC (“Cardright” or “We”) may collect from you, or that you may provide when you visit www.cardright.com (our “Website”) and our practices for collecting, using, maintaining, protecting, and disclosing that information. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.

THIS POLICY APPLIES TO INFORMATION WE COLLECT:

• on this Website;
• in email, text, and other electronic messages between you and our Website; and through our mobile applications.

THE POLICY DOES NOT APPLY TO ANY INFORMATION COLLECTED:

• by us offline or through any other means; or
• by any third party, including through any application or content that may link to or be accessible from or on the Website.

Please read this policy carefully to understand our policies and practices regarding your information and how we may treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time. Your continued use of this Website after we make changes is deemed to be acceptance of those changes. As a result, please check the policy periodically for updates.

CHILDREN UNDER THE AGE OF 13

Our Website is not intended for children under 18 years of age. No one under age 13 may provide any information to or on the Website. We do not knowingly collect personal information from children under 13. If you are under 13 years of age, do not use or provide any information to this Website or on or through any of the features on this Website, make any purchases through the Website, use any of the interactive or public comment features of this Website, or provide any information about yourself to us, including your name, address, phone number, email address, or any screen name or user name you may use. If you believe we might have any information from or about a child under 13, please contact us at support@cardright.com

INFORMATION WE COLLECT AND HOW WE COLLECT IT

We may collect several types of information from and about users of our Website including: 1) personal information that can be used to identify you like your name, Social Security number, and contact information, 2) other information that is about you but does not identify you, like your gender, household, and income, and 3) information about how you use our Website, like information about the devices you use to access our Website and usage details.

We may collect some of this information 1) directly from you when you provide it to us, 2) automatically as you navigate through the Website or use our mobile application, and 3) from third parties as further described in this policy.

COLLECTION OF INFORMATION YOU PROVIDE US

We may collect the following information from you when you provide this information to us:

• Contact information such as name, email address, mailing address, and phone number.
• Identification numbers such as your Social Security number, passport identification number, and medical card number.
• Financial information such as credit card information and banking information.
• Account information such as user name, password, and details of transactions you carry out through our Website.
• Profile information like your date of birth, gender, marital status, household information, employment information, income, and other similar information.
• Account preferences information such as subscription and marketing preferences.
• User contributions, such as your public comments and postings on our Website, your responses to surveys, and your correspondence with us.

Some of this information, like your Social Security number, is required by the credit bureau when you create an account with Cardright to verify your identity and to fulfill your requests. Information like your driver’s license number and passport identification number may be required for identity theft prevention services if you choose to sign up to receive those services.

AUTOMATIC COLLECTION

As is true of most websites, when you navigate through and interact with our Website, we may automatically gather information about your device such as your IP address, browser type, browsing actions and patterns, referring/exit pages, and operating system. We do not intentionally collect any information from youth under 13 years of age.

This information helps us improve our Website and deliver a better, more personalized service by enabling us to estimate traffic and usage patterns, store information about your preferences, speed up your searches, and

recognize you when you return to our Website. 

INFORMATION OBTAINED FROM THIRD PARTIES

If you provide us personal information about others, or if others give us your information, we will only use that

information to provide you with our services. For example, if you choose to open an account with Procredit, you will instruct the credit bureau to share your personal financial information with Cardright to fulfill your request for a free credit score or match you with financial products and services.

USE OF YOUR INFORMATION

We may use the information we collect about you to:

• Present our Website and display content based on your interests such as offers, products, and services.
• Carry out our obligations and enforce our rights arising from any contracts entered into between you and us, such as administer your account, fulfill your orders, and provide you notices about your account or changes to our Website.
• Contact you for customer support and about offers for products and services.
• Send you marketing communications, newsletters, and administer contests and sweepstakes. Conduct research and analysis.
• In any other way we may describe to you at the time you provide the information. For any other purpose with your prior consent.

SHARING OF YOUR INFORMATION WITH THIRD PARTIES

We may disclose aggregated information about our users and information that does not identify any individual without restriction. We do not share your personal information with third parties for the third parties’ direct marketing purposes.

We may disclose your personal information as described in this policy:

• To contractors, services providers, and other third parties to support our business. These parties are authorized to use your personal information only as necessary to provide these services to us.
• To third parties with your prior consent to fulfill the purpose for which you provided it.
• As part of a business transfer, if Cardright is involved in a merger, acquisition, or sale of all or a portion of its assets, in which case you will be notified via email and/or a prominent notice on our Website of any changein ownership or uses of your personal information as well as any choices you may have regarding your personal information.

We may also disclose your personal information:

• As required by law, such as to comply with a subpoena or similar legal process.
• When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

LINKS TO OTHER WEBSITES

Our Website includes links to other websites whose privacy practices may differ from those of Cardright. If you submit personal information to any of those websites, their privacy policies govern your information. We encourage you to carefully read the privacy policies of any website you visit.

COOKIES AND OTHER TRACKING TECHNOLOGIES

Cookies. We, or our third-party service providers, may place cookies (or browser cookies) on your computer to collect information to compile aggregated statistics for us about visitors to our Website. A cookie is a small file placed on the hard drive of your device. We use cookies mostly to improve our Website and to deliver a better and more personalized service. We do not automatically collect personal information using cookies. We do not collect or keep any other personal information or personal financial information in cookies. You may refuse to accept browser cookies by activating the appropriate settings on your browser. However, if you select this setting, you may be unable to access certain parts of our Website.

Flash Cookies. Certain features of our Website may also use local stored object (or Flash cookies) to collect and store information about your preferences and navigation to, from and on our Website. Flash cookies are not

managed by the same browser settings as are used for browser cookies. To learn how you can manage your Flash cookies please visit the Adobe flash cookie settings.

Google Analytics. Among other service providers, we may use Google Analytics to gather information about how you and others use our Website. For example, we will know how many users access a specific page and what links they clicked on. We use this aggregated information to understand and optimize how our Website is used. If you prefer not to have your data used by Google Analytics, please visit the Google Analytics opt-out page.

Web Beacons. Pages of our Website and our emails may also contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email, and for other related website statistics like recording the popularity of certain website content and verifying system and server integrity.

Do Not Track Signals. At this time, Cardright does not respond to automated signals regarding tracking

mechanisms, including “do not track” instructions from your browser. However, you can set your browser to refuse all or some browser cookies or to alert you when cookies are being sent. Unless you have adjusted your browser setting so that it will refuse cookies, our system may issue cookies when you direct your browser to our Website. If you disable or refuse cookies, please note that our Website may then not function properly or may be inaccessible to you.

Third Party Use of Cookies. Some content or applications, including advertisements, on the Website may be served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies, alone or in conjunction with web beacons or other tracking technologies, to collect information about you when you use our Website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this

information to provide you with interest-based (behavioral) advertising or other targeted content. We do not share your personal information with these parties.

We do not control these third parties’ tracking technologies or how they may be used. If you have questions about an advertisement or other targeted content, you should contact the responsible provider directly.

YOUR CHOICES AND OPTING-OUT

Promotional Offers

We want to provide you with choices regarding the information you provide us. We may contact you from time to time by phone, text, direct mail, or email. If you do not want us to contact you about offers and promotions, you can contact us at support@cardright.com. You may also choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails. As stated in our Terms of Use, in order to administer your account, you will still receive periodic transactional emails pertaining to your account information, alerts and updates, registration confirmations, and responses to direct requests you have made. We will retain your information for as long as your account is active or as needed to provide you services.

If you wish to terminate your account or request that we no longer use your information to provide you services, please follow one of the steps below. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

SECURITY

The security of your personal information is important to us. When you enter sensitive information, such as your credit card number, on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL). We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. However, no method of transmission over the Internet, or

method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security.

Where we have given you, or you have chosen, a password for access to certain parts of our Website, you are

responsible for keeping this password confidential. We ask you not to share your password with anyone, because it could compromise the security of your personal information.

If you have any questions about security on our Website, you can contact us at support@cardright.com

Public Forums Disclaimer

Our Website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas are posted and transmitted at your own risk and may be read, collected, and used by others who access them. We urge you to carefully consider your submissions in these public areas and ask you not to share information that could identify you. The information you share in public forums may be viewed by the public or other users of the Website.

CORRECTING AND UPDATING YOUR PERSONAL INFORMATION

You may review and update your personal information by logging into the Website and visiting your account profile page. You may also contact us at support@cardright.com to request access to and update the personal

information you have provided to us.

YOUR CALIFORNIA PRIVACY RIGHTS

If you are a California resident, you may be entitled to additional rights over your personal information. For more information about those rights and how to exercise them, please see our California privacy notice  below.

NOTIFICATION OF CHANGES TO OUR PRIVACY POLICY

We may update this privacy policy to reflect changes to our information practices. If we make any material changes to how we treat users’ personal information, we will notify you by email (sent to the email address specified in your account) or by means of a notice on this Website. You are responsible for ensuring we have an up-to-date active and deliverable email address for you and encourage you to periodically review this page for the latest information on our privacy practices.

CONTACT INFORMATION

You can contact us about our privacy policy by writing or emailing us at the address below:

Cardright

5304 13th ave

Brooklyn Ny 12219

Email: Support@cardright.com

Your Rights Under the California Consumer Protection Act

Special notice for California residents:

Effective January 1, 2020, the California Consumer Privacy Act (CCPA) gives California residents the right to know how we will be collecting and maintaining personal information including credit report data to as you with your financial wellness. We collect this information from you, credit bureaus, public databases, data aggregators, and other commercially available sources. The categories of this personal information include:

We do not sell your personal information.

At CardRight, we only share personal information in ways that we tell you about. We do not sell or rent personal information to third parties, and we do not share personal information with third parties that are owned by us or under our control or direction except as described in our Privacy Policy.

Service providers. We share personal information with service providers that help us with our business activities. They only are authorized to process that information as necessary and as directed by us.

Required by law. If we are required to disclose personal information as part of a legal process, we will take commercially reasonable steps to inform you as part of that process. We may also be required to disclose personal information in response to lawful requests by government authorities, including requests from  n national security agencies or law enforcement.

Safety, fraud prevention, government requests and protection of our rights. These are all reasons where we may share personal information when we believe, in good faith, it is necessary.

Mergers, acquisitions, divestitures, or asset sales but only if the acquiring organization agrees  to this Policy’s protections.

If another company acquires, or plans to acquire, our company, business, or our assets, we will share your Personal Information with that company using appropriate safeguards.

As a California resident you have available to your specific rights.

The categories of personal information we have collected about you in the past 12 months; The categories of sources from which we collect personal information;

The business purpose for collecting or selling personal information;

The categories of third parties with whom we share personal information;

The specific personal information we have collected about you in the past 12 months;

The categories of personal information that we sold about you and the categories of third parties  to whom the personal information was sold in the past 12 months, or verification that no personal information was sold;

The categories of personal information we disclosed about you for a business purpose in the past months, or verification that no personal information was disclosed.

You can submit any of those requests to us at support@cardright.com

CardRight will not discriminate against anyone who exercises their CCPA rights. We will not:

deny you goods or services;

charge you different prices or rates for goods or

services, including through the use of discounts or other benefits or imposing penalties; provide you with a different level or quality of goods or services; or

suggest that you will receive a different price, rate, level, or quality of goods or services. Nothing prohibits a business from charging a different price or providing a different level or quality of service if the difference is reasonably related to the value provided to the consumer by the consumer’s data

For additional information on any of the above, or to submit a request for personal information under the CCPA, please contact us at support@cardright.com Please note that CardRight may claim legal exemptions for certain types of personal information from all or certain parts of the CCPA pursuant to various CCPA exemption