Privacy Policy
• Introduction. As used in this Privacy Policy, “we,” “our” or “us” means CPECredit.com and “you,” means you, the user of this website. We receive and store any information you enter on our website or provide to us in any other manner. We are committed to respecting the privacy of visitors to our website. This Privacy Policy lets you know how your personal information is processed and used, and explains some of the steps we have taken to protect your privacy.
• Registration. During registration you will be asked to provide contact information, such as your name, company name, address, telephone number, facsimile number, and email address. Once registered, you will be assigned or may be given the opportunity to create a password which, together with your email address, may be used to access our website. As part of creating your registration, you may also be requested to provide questions and/or secret answers which we use to help verify your identity and assist in resetting your password. You will also be given the option as to whether or not you want to receive email from us. Out of respect for your privacy, we present the option not to receive these types of communications. Please see the “Opportunity to Opt Out” section of this Privacy Policy.
• Product Purchases. If you purchase a product from us, we request certain personal information from you. You must provide contact information (such as your name, company name, telephone number, facsimile number, email address, billing and shipping address) and financial information such as credit card issuer, credit card number, expiration date, and card verification code. We use this information for billing and credit card payment processing purposes and to fill your orders. This financial information may be stored on the server of our third-party PCI DSS complaint merchant provider (Authorize.net) in order to facilitate future orders and cancellations. If we have trouble processing an order or credit card payment, we will use this information to contact you. We also keep a record of your purchases. We will disclose your personal information to third parties to charge your credit card, fill your order, deliver your order, provide products and services, provide classes such as seminars and teleconferences, and provide customer service. We will occasionally send you information on products, special deals, special events, and promotions. Out of respect for your privacy, we present the option not to receive these types of communications. Please see the “Opportunity to Opt Out” section of this Privacy Policy.
• Privacy of Personal Information. By “personal information” we mean any information that may be used to identify an individual. Personal information collected through our website is used by us to process and manage registrations, to process and deliver product purchases, to process credit card and payment information, to provide classes such as seminars and teleconferences, to provide customer service, to announce contest winners and award prizes, to operate and improve our website, and to track website usage policies and statistics. We also use your personal information to communicate with you. For instance, when you register on this website, or provide us with contact information in connection with purchases from this website, we may use your personal information to send you an email or text message regarding your registration, product or service order, product renewal, and shipping information. We also use personal information to inform you of significant changes to this Privacy Policy. We may collect information about your visit, including the pages you view, the links you click and other actions taken in connection with your use of our website. We may also collect certain standard information that your browser sends to every website you visit, such as your Internet address, browser type and language, access times and referring website address. We may use customized links or similar technologies in the newsletters or promotional e-mail you receive from us to determine whether the newsletter or e-mail has been opened and which links you clicked, in order to provide you more focused e-mail communications, customized content or other information. We hire or are affiliated with other companies who provide services on our behalf, such as handling the processing and delivery of mailings, hosting this website, delivery of content and services provided by this website, processing and delivery of orders for products through this website, providing classes such as seminars or teleconferences ordered through this website, processing credit card charges and payments, and performing statistical analysis. These companies will be permitted to obtain only the personal information they need to deliver the products or the services. They are required to maintain the confidentiality of your personal information. We may combine, in a non-identifiable format, the information you provide with the information of other users to create aggregated data. We plan to analyze data of an aggregate nature mainly to track group trends. We do not link aggregate user data with personal information, so aggregate data cannot be used to contact or identify you. Anonymous aggregated data may be provided to other companies we do business with for statistical purposes, and to track group trends. We may access and/or disclose your personal information if we believe such action is necessary to comply with the law or legal process, protect and defend our rights or property (e.g., to enforce the Terms of Use), or act in urgent circumstances to protect the personal safety of users of our website or members of the general public. You may have the ability to view or edit your personal information online. In order to help prevent your personal information from being viewed by others, you will be required to sign in with your password. You are responsible for protecting the security of your password. Personal information will not be posted or published by us, and except as specified in this Privacy Policy, it will not be provided to third-party providers without your consent. We will not sell, lease or rent our e-mail user or customer lists to third parties.
Notice Regarding Receiving Text Messages
By providing us with your telephone number (including a mobile telephone number) you consent to receiving calls and/or text ("SMS") messages from us or our service providers at that number, including those made by use of an automatic telephone dialing system ("ATDS"), for our everyday business purposes (including notices regarding your account or account activity, identity verification, or to prevent fraud). Please review our Privacy Policy for more information.
Standard text messaging rates may apply based on your plan with your mobile phone carrier.
• Collection and Use of Children’s Personal Information. We are committed to protecting the privacy of children. Our website is intended for general audiences and we do not knowingly collect any personal information from children under the age of 18. We do not sell products for purchase by children below the age of 18. Children under the age of 18 may not use this website with or without parental supervision. When our website collects age information, and users identify themselves as under age 18, the website will block those users from providing personal information, registering as users or purchasing product from this website.
• Security. We are committed to protecting the security of your personal information. We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure including the encrypting data using Secure Sockets Layer (SSL) technology, high security grade, 128-bit SSL server certificates or other encryption technologies; firewalls; proxy servers; password management and authentication; implementing policies, procedures, and security measures designed to prevent, detect, contain, and correct security violations; implementing procedures for guarding against, detecting, and reporting malicious software; limiting physical access to electronic information systems, and restricting access to authorized users.
• Use of Cookies. Our website uses “cookies.” A cookie is a small text file that is placed on your hard disk by our web page server. Cookies contain information that can later be read by us. None of the information we gather in this way can be used to identify any individual who visits the website. We use cookies to monitor the use of our website, to gather non-personal information about users, to store your preferences and other information on your computer in order to save you time by eliminating the need to repeatedly enter the same information, and, possibly, to display personalized content on your later visits to our website. This information may also be used for statistical research to tailor content to usage patterns.
• Use of Web Beacons. Our web pages may contain electronic images known as “web beacons,” sometimes called single-pixel gifs, that may be used to assist in delivering cookies on our website and allow us to count users who have visited those pages. We may also include web beacons in promotional e-mail messages or our newsletters in order to determine whether messages have been opened and acted upon. We may also employ web beacons from third parties in order to help us compile aggregated statistics and determine the effectiveness of our delivery. We prohibit web beacons on our website from being used by third parties to collect or access your personal information.
• Links to Other Sites. This Privacy Policy applies only to information collected by this website. This website may contain links to other sites that are not owned or controlled by us. We are not responsible for the privacy practices of those other sites. When you leave our website you should read the privacy statements of each website that collects personal information.
• Changes to This Privacy Statement. We reserve the right from time to time to change, modify or supplement this Privacy Policy in whole or in part. We encourage you to periodically review our Privacy Policy to be informed of how we are protecting your personal information. The most current version of our Privacy Policy can be viewed by clicking on the “Privacy Policy” hypertext link located at the bottom of the home page on this website. When we post changes to this Privacy Policy, we will revise the “updated” date at the top of this Privacy Policy, but will not provide any other notice to you. However, if there are material changes to this statement or in how we will use your personal information, we will notify you either by prominently posting a notice of such changes prior to implementing the change or, if we have your email address, by directly sending you an email notification. Your continued access or use of this website constitutes acceptance by you of any changes.
• Legal Disclaimer We reserve the right to disclose your personal information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process served on our website. This includes exchanging information for fraud prevention and reduction of credit risk.
• Copyright; Trademarks. All content on this website is copyrighted by us or protected by trademark, and it cannot be distributed or used for commercial purposes. Your use and distribution of all content on this website is governed by the Terms of Use which is located at the bottom of the homepage of this website.
• Opportunity to Opt Out. We provide you the opportunity to “opt-out” of having your personal information used for certain purposes when we ask for this information. For example, if you purchase a product but do not wish to receive any additional promotional material from us, you can indicate your preference to us. If you no longer wish to receive communications from us, you may opt-out of receiving them by following the instructions included in each communication or by emailing us from the Contact Us page on CPECredit.com.
• Contact Us. If you have any questions or suggestions regarding our Privacy Policy, please contact us at CPECredit.com. © 2010 CPECredit.com