Privacy Policy.

Scorenomics, Inc

Thank you for your interest in the website (the "Site") owned, operated, licensed or controlled by Scorenomics, Inc. (collectively, "Scorenomics," "we," "our" or "us"). The terms "you," "your" and "yours" refer to anyone accessing, viewing, browsing, visiting or using the Site.

Your personal privacy is important to us. This Privacy Policy, effective May 1, 2017, explains what personal information we collect every time you visit the Site, how we collect and how we use your personal 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. Please read this Privacy Policy carefully, and if you have any questions, please feel free to contact us using the information below. By visiting the Site, you consent to the collection and use of your personal information as outlined in this Privacy Policy.

If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third party dispute resolution provider (free of charge) at


General. We only collect personally identifiable information when users specifically and knowingly disclose to us. If you disclose your personally identifiable information, we will only store and use such information that we need to meet your requests and our legitimate business objectives including any other uses explicitly described below. Except as set forth in this Privacy Policy, we do not trade, share, rent, sell or give away information concerning you to third parties.

Account Information. We do not require you to provide your personally identifiable information in order for you to access, open or browse the Site. However, in order to use certain services and features provided on the Site, we may require you to register to open a user account and provide personally identifiable information about yourself such as your name and email address. We may also collect additional information you provide, including your name, email address, physical address, phone number, the last four digits of your social security number and other account information.

Contact Information. We use your contact information to facilitate and improve your use of the Site, for the purpose of providing you with technical support, customer service, account maintenance and potential enhancement of your user experience. We may provide certain of your personally identifiable information to the creditor(s) or companies who provided us with your contact information or referred you to us in order to facilitate such creditor(s) updating their records for you. We may also use information to learn what you like in order to optimize your experience and to comply with any requirements of law. We may also use your email address or other contact information you provide us to contact you with regard to your account such as to send you Site-related information including updates or changes to the Site and to correspond with you about any questions or concerns you may bring to our attention. You may also receive automated messages regarding the Site and information about our services that we think may interest you, and/or on behalf of the company(ies) that referred you to our Site. You may opt-out of receiving certain notifications from us by following the instructions contained in our emails, however, you may not opt-out of receiving notices regarding any updates to our Terms or Privacy Policy.

Correspondence. If you contact us to provide feedback, comments or inputs or for any other reason, we may keep a record of that correspondence and collect your personal information to process your inquiries, respond to your requests and/or improve our services.


In many cases, we will automatically collect certain information about your use of the Site that includes, among other things, information concerning date and time of your visit, the pages of the Site that you visited, your path through the Site, your IP address, the type of browser and operating system you are using and the third-party web sites or advertisements linked to or from the Site that you visited. For these purposes, we may use cookies, clear gifs, frames, server log analysis and other technology. Any information collected through the use of these technologies will be handled according to this Privacy Policy.

We may use this information to improve the quality of the Site and to better understand how users interact with the Site. In addition, we use this information to comply with any requirements of law, or serve, or have a third party serve, specialized or relevant content and/or recommendations to you on the Site or on a third party's website, and for internal purposes. We may also use this information for system administration and troubleshooting, ensuring user compliance with our Terms of Use, investigating security breaches and compiling anonymous non-personal information such as how many users visited the Site. Additionally, when you log into your Account, your system specifications such as operating system, system configuration, etc. may be collected by us for the purposes of analyzing and optimizing your experience and customer service.

Navigational Data. As you browse our Site, we may gather navigational data that shows what pages are visited and how long various features are used. This information will not reveal your identity. We use this information to complete, support and analyze page flow to facilitate and improve use of the Site; to comply with any requirements of law; to serve, or have a third party serve specialized or relevant content and/or recommendations to you on the Site or on a third party's website; and for internal purposes. This information may be disclosed only to our staff and to third parties involved in the completion of your transaction, the delivery of services to you, and the analysis and support of your use of the Site. We may from time to time supply the owners or operators of third party sites from which it is possible to link to our Site with anonymized information relating to the number of users linking to our Site from their sites.

Tracking technologies. We Scorenomics, and our partners use cookies or similar technologies to analyze trends, administer the website, track users' movements around the website, and to gather demographic information about our user base as a whole. You can control the use of cookies at the individual browser level, but if you choose to disable cookies, it may limit your use of certain features or functions on our website or service.

IP Addresses and System Specifications. When you access the Site, our servers may record your IP address. We may use IP addresses for system administration, troubleshooting, ensuring user compliance with our Terms of Use, and investigating security breaches. Additionally, when you log into your Account, your system specifications such as operating system, system configuration, etc. may be collected by us for the purposes of analyzing and optimizing your experience and customer service.


Personal Information. Generally, personal information which we collect for a particular purpose will only be saved and used for that purpose, unless you have agreed to allow us to use it for some other purpose. However, personal information that we collect in connection with our services, including the results of your interactions with our services, will be provided to the creditor or company that refers you to our services. In addition, we may disclose such personal information to a future creditor that requests such information in connection with a credit or loan application you request or submit in the future, and/or third-parties under duties of confidentiality and non-disclosure for purposes of communications with you, to facilitate your usage and/or enhancement of our Services. By enrolling in and using our services, you hereby authorize us to release such information to such creditors and/or third parties as described above. Except as set forth herein, we do not trade, share, rent, sell or give away your personal information to third parties.

Service Providers. We may provide your personally identifiable information to companies that provide services to help us with our business activities such as offering customer service and/or enhancing your user experience. These companies are authorized to use your personal information only as necessary to provide these services to us and are obligated to maintain the confidentiality of your personally identifiable information.

Aggregated General Information. We may share aggregated general information about our Site with our corporate partners, investors, advertisers or others. Aggregate general information includes, without limitation, the number of users of the Site or our services, usage statistics and user feedback. Aggregated general information does not include any personally identifiable information that could be used to contact or identify you. Aggregated general information may be compiled based upon but will never reveal or contain your personally identifiable information. If you ask us to delete your personally identifiable information, we reserve the right to still use and distribute any aggregated general information.

Law Enforcement/Legal. In certain situations, Scorenomics may be required to disclose personal data in response to lawful requests by public authorities. We may disclose your personally identifiable information or otherwise use such information to communicate with you if required or permitted to do so by law or in the good-faith belief that such action is necessary to: (i) conform to legal requirements or comply with legal process such as a subpoena or any other governmental request; (ii) protect and defend the rights or property of Scorenomics or its affiliated companies, licensors or licensees; (iii) enforce the user agreements applicable to your use of the Site; or (iv) protect the personal safety or interests of Scorenomics' employees, other users of the Site or members of the public in urgent circumstances. We may also disclose your personal information to law enforcement or other third parties in connection with criminal investigations, investigation of fraud, infringement of intellectual property rights, or other suspected illegal activities, or as otherwise may be required or allowed by applicable law, or, as we deem necessary in our reasonable discretion, in order to protect the legitimate legal and business interests of Scorenomics. If Scorenomics is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.


Your Access. If you supply us with your personal contact information, you may later access it, update it, modify it and delete any inaccuracies by accessing your account or contacting us at Upon request Scorenomics will provide you with information about whether we hold any of your personal information. Please note that we generally keep a copy of the previous personal contact information for our records and for backup purposes. We aim to keep our information about you as accurate as possible. If you would like to review or change the details you have supplied us with, you may do so at any time by accessing your account on the Site. You may also choose simply not to provide your personal contact information at the point of collection; however, you may not be able to use the Service on our Site.

We will retain and use your information as necessary to provide you services, comply with our legal obligations, resolve disputes, and enforce our agreements. You consent to us storing your personally identifiable information as long as it is valid or required and we will not take any measures to remove your personally identifiable information unless you contact us by sending an email to We will respond to your request within 30 days. If we receive a deletion notification through our procedures, we will delete your personally identifiable information from the primary data we use for our normal business operations except we will not modify any backup data we retain that may contain your personally identifiable information.


The Site may contain links to other websites whose privacy practices may differ from those of Scorenomics. These other sites and advertisements maintain their own policies regarding cookies and the collection and use of personally identifiable information. We assume no responsibility or liability for the actions of such third parties with respect to their collection or use of your information. We encourage you to read the privacy policies of every website that you may visit through any link on the Site. Our Site may include Widgets related to our Services and/or Social Media features. Your interactions with these features are governed by the privacy policy(ies) of the company(ies) providing such features.


Our policies regarding email ("Email") and text and short messaging service (SMS) communications ("SMS Notifications") are set forth in our Terms.


We offer secure web pages using secure socket layer technology (SSL) to collect certain kinds of user information (such as password, etc.) and we store certain kinds of data in encrypted form. We employ physical, electronic and procedural safeguards in connection with the collection, storage and disclosure of any personally identifiable information. We follow reasonable technical and management practices to help protect the confidentiality, security and integrity of data stored on our system. While no computer system is completely secure, we believe the measures implemented by our Site reduce the likelihood of security problems to a level appropriate to the type of data involved. However, we cannot guarantee absolute security.


We may update this Privacy Policy at any time to reflect changes to our information practices. If we make any material changes we will notify you by means of a notice on this Site, and perhaps by email (sent to the email address specified in your account), prior to the change becoming effective. Please check the Site regularly for changes to this Privacy Policy. In the event that we change our Privacy Policy, such changes will affect all of the information we collect after any such change. Your acceptance of our Privacy Policy and Terms are a condition of your use of our Site and Service.


If you have any questions or comments about this Privacy Policy, you may contact us at
300 Spectrum Center, Suite 400
Irvine, CA 92618