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.
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 https://feedback-form.truste.com/watchdog/request.
WHAT PERSONAL INFORMATION DO WE COLLECT? AND WHY?
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.
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.
AUTOMATICALLY COLLECTED DATA
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.
HOW DO WE SHARE THE INFORMATION THAT WE COLLECT?
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.
HOW CAN YOU ACCESS AND UPDATE YOUR 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 firstname.lastname@example.org. 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 email@example.com. 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.
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.
QUESTIONS AND COMMENTS