Privacy Policy

PRIVACY POLICY / CALIFORNIA PRIVACY RIGHTS
Last updated: February 22nd, 2012

We respect your privacy and are committed to protecting it through our compliance with this privacy policy (this “Privacy Policy”). For purposes of this Privacy Policy, each of the terms “we,” “us,” or “our” means Credit Card Depot (dba CardWisdom.com, and the term this “Site,” means, collectively, this website www.cardwisdom.com and portions of other Web pages and Web content through which you have accessed this Privacy Policy.

This Privacy Policy (together with our Terms of Use and any other documents referred to in this Privacy Policy and the Terms of Use) describes information that we collect from you or that you provide on this Site and how that information may be used and disclosed by us.

This Privacy Policy does not apply to information collected through any other medium, collected offline, or collected by any person or entity other than us (such as a third-party website or a third-party application). This Privacy Policy also does not apply to any information that you submit pursuant to a sweepstakes entry. Please refer to the official rules and privacy policy for each individual sweepstakes for our specific policies regarding information sharing and disclosure pursuant to sweepstakes entry.

Please read this Privacy Policy and the Terms of Use carefully to understand our policies and practices regarding your personal information and how we will treat it. By accessing, using or submitting information to this Site, you agree to this Privacy Policy and our Terms of Use. This Privacy Policy may change from time to time and your continued use of this Site is deemed to be acceptance of such changes, so please check periodically for updates (see Changes to our Privacy Policy below).

CardWisdom.com has been awarded TRUSTe's Privacy Seal signifying that this privacy policy and practices have been reviewed by TRUSTe for compliance with TRUSTe's program requirements including transparency, accountability and choice regarding the collection and use of your personal information. The TRUSTe program covers information collected through this Web site, www.cardwisdom.com. TRUSTe's mission, as an independent third party, is to accelerate online trust among consumers and organizations globally through its leading privacy trustmark and innovative trust solutions. If you have questions or complaints regarding our privacy policy or practices, please contact us via email privacy@cardwisdom.com. If you are not satisfied with our response you can contact TRUSTe here

Children’s Information

You must be at least 13 years of age to register with or use certain portions of this Site. This Site is not intended for children under 13 years of age. No one under 13 years of age may provide any personal information to or on this Site. We do not knowingly collect personal information from children under 13.

We collect several types of information from and about users of this Site, including the information described below.
Personally Identifiable Information

In this Privacy Policy, personally identifiable information means information that identifies a particular individual, such as an individual’s name, postal address, e-mail address, and phone number. . The following are certain situations in which we may collect personally identifiable information from you:

• When you fill out forms or fields on this Site;
• When you communicate with us or request information about us, this Site and our services, whether via email or other means;
• When you participate in online surveys;
• When you participate in any of our marketing initiatives, including, contests, events, or promotions; and
• When you participate in forums or provide user generated content or submissions.

It is also possible that we may collect personally identifiable information about you from sources other than you, such as forums, instant messaging services, blogs, other users of our products and services and our business partners.

6bNon-Personally Identifiable Information

We may collect demographic information about you such as gender, zip code, and birth date, and information regarding your preferences and usage. This type of information is not, by itself, personally identifiable information. However, if we link such information with personally identifiable information in a manner that identifies a particular individual, then we will treat all such information as personally identifiable information for purposes of this Privacy Policy.
We may collect non-personally identifiable information about you through a variety of technical methods, including the following:

• Collection of Usage Details and IP Address. As you navigate through this Site, we may collect details of your visits to this Site, including, but not limited to, traffic data, location data, logs, the resources that you access, and information about your computer and internet connection, including your IP address, operating system and browser type. We may use this information for system administration and to report aggregate information to our advertisers and business partners.
• Collection with Cookies. "Cookies" are pieces of information that a website sends to your computer while you are viewing a website. We may set and access cookies on your computer to track and store preferential information about you. You consent to our placement of cookies on your computer. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer. If you choose to do so, however, your use of certain aspects of this Site may be restricted.
• Collection with Web beacons. “Web beacons” are electronic images, tags or scripts that allow a website to access cookies and help track general usage patterns of visitors to a website. Web beacons can recognize certain types of information, such as cookies, time and date of a page view, and a description of the page where the Web beacon is placed. We may use Web beacons to compile information regarding use of this Site.

The information collected through these technical methods, standing alone, cannot be used to determine your identity. Such information may, however, be combined in a way that makes it become personally identifiable information. If this happens, we will treat the combined information as personally identifiable information.

How We Use Your Information

We use your information, including any personally identifiable information, to:

• Confirm and complete transactions requested by you;
• Provide customer support (including, responding to your requests), troubleshoot and resolve problems and disputes;
• Contact you to verify the information you provide to us;
• Understand and anticipate your needs and preferences;
• Ensure this Site is of interest to you (including, customization of advertising and content) and help us better understand your use of this Site;
• Protect the security and integrity of this Site;
• Conduct internal reviews of this Site and administer this Site’s systems;
• Comply with, monitor compliance with and enforce this Privacy Policy, our Terms of Use and any other applicable agreements and policies;
• Develop, enhance and market our products and services or the products and services of third parties;
• Provide you with promotional materials, offers and personalized information;
• Manage our business and operations;
• Meet legal and regulatory requirements;
• Provide administrative communications to you;
• Use User Generated Content as permitted in our Terms of Use; and
• For other purposes as may be disclosed when you provide personally identifiable information or in this Privacy Policy.
• Disclosure of Personally Identifiable Information

Typical Disclosure
We may disclose personally identifiable information:

• To any person who, in our reasonable judgment, is authorized to receive your personally identifiable information as your agent, including as a result of your business dealings with that person (for example, your attorney);
• To our third party vendors so that they may provide support for our internal and business operations, including for the handling of data processing, data storage, surveys, research, internal marketing, delivery of promotional and transaction materials, and this Site’s maintenance and security;
• To third parties when you (i) engage in certain activities on this Site that are sponsored by them, such as purchasing products or services offered by a third party, electing to receive information or communications from a third party, or electing to participate in contests, sweepstakes, games or other programs sponsored in whole or in part by a third party, and/or (ii) respond to promotional materials from us and you authorize a third party to use your personally identifiable information to, for example, send you additional promotional materials, provide you a product or service, or enter you into a sweepstakes. When we disclose your personally identifiable information to these third parties, your personally identifiable information will become permanently subject to the information use and sharing practices of the third party, and the third party will not be restricted by this Privacy Policy with respect to its use and further sharing of your personally identifiable information;
• As required by law, such as to comply with a subpoena, or ordered by a court, regulatory, or administrative agency;
• 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;
• As we deem necessary, in our sole discretion, if we believe that you are violating any applicable law, rule or regulation, or are otherwise interfering with another’s rights or property, including, without limitation, our rights or property;
• If requested by authorities in the event of any act of terrorism or instance of local, regional or national emergency;
• To enforce our Terms of Use, this Privacy Policy, and any other applicable agreements and policies;
• To enforce or protect our rights;
• In connection with a Business Transfer, as defined below (see Business Transfers below); and
• To our affiliated companies (i.e., companies under common control or management with us).

Aggregation and De-Personalization
We may take your personally identifiable information and make it non-personally identifiable, either by combining it with information about other individuals (aggregating your information with information about other individuals), or by removing characteristics (such as your name) that make the information personally identifiable to you (de-personalizing your information). We may use and/or disclose to third parties such aggregate or de-personalized information in any manner and without notice or compensation to you.

Circumvention of Security Measures
In addition, although we use reasonable security measures to protect the personally identifiable information we collect through this Site, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. We cannot ensure that your personally identifiable information will only be disclosed as described in this Privacy Policy. By way of example (without limiting the foregoing), we may be forced to disclose personally identifiable information to the government or third parties under certain circumstances or third parties may unlawfully intercept or access transmissions or private communications. Therefore, notwithstanding anything to the contrary within this Privacy Policy, the Terms or any other applicable agreement or policy, you use this Site at your own risk and we do not promise or guarantee, and you should not expect, that your personally identifiable information will always remain private. In the unlikely event that an unauthorized third party compromises our security measures, we will not be responsible for any damages directly or indirectly caused by an unauthorized third party’s ability to view, use or disseminate such information.

Business Transfers
We specifically and expressly reserve the right to disclose, lease, sell, assign or transfer your personally identifiable information collected through this Site, and any of its databases, together with any personally identifiable information contained in such data bases, to third parties in connection with a Business Transfer. A “Business Transfer” means a sale, acquisition, merger, consolidation, reorganization, bankruptcy or other corporate change involving us and/or our affiliates, even if the Business Transfer is only being contemplated and regardless of whether the Business Transfer relates to a part or a whole of our business. Nothing in this Privacy Policy is intended to interfere with our ability to transfer all or part of our business, equity, and/or assets (including this Site) to an affiliate or independent third party at any time, for any purpose, without any limitation, without notice, any without any compensation to you, whatsoever. You will be notified via email and/or 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.

Network Advertising

From time to time, we may participate in or use advertising networks, such as third party advertising servers, advertising agencies, technology vendors and research firms. We may use these third-party advertising networks for marketing, advertising and promotional purposes, as well as to serve advertisements to you. Advertising networks often gather data about consumers who view advertisements to make inferences about a consumer’s interests and preferences, which enables their computers to deliver advertisements directly targeted to the consumer’s specific interests. This practice is often referred to as “online behavioral advertising.” For example, a third-party advertising network might collect the type of Internet browser you use, the type of computer operating system you use, the domain name of a website you visit, whether or not you visit specific pages of this Site and other websites, the location of your Internet service provider’s presence, the date and time of a visit to a website and other interactions between you and website. Please see the “Online Behavioral Advertising” subsection ofChoices About How We Use and Collect Your Informationbelow to read about how you can prevent certain third-party advertising networks from collecting information about you.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. Below are some mechanisms that provide you with control over certain information:

• Cookies. If you do not wish us to collect cookies, you may set your browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of this Site may then be inaccessible or may not function properly.
• Accessing and Correcting Personal Information. You can review, update, delete inaccuracies within your information by contacting us at privacy@cardwisdom.com.

Information You Disclose to Third Parties

You may be presented with an opportunity to receive information and/or marketing offers from third parties in connection with this Site. All information you disclose to such third parties will be subject to the privacy policy and practices of such third parties. We are not responsible for the privacy policies and practices of such third parties and, therefore, you should review the privacy policies and practices of such third parties prior to disclosing information to them. If you later decide that you no longer want to receive communications from a third party, you will need to contact that third party directly.

Links to Third-Party Websites

This Site, as well as the e-mail messages sent with respect to this Site, may contain links to websites operated by third parties that are beyond our control. For example, if you click to apply for a product such as a credit card, on this Site, you may be linked to a third-party website to complete an application. Links to third parties from this Site are not an endorsement by us of such third parties, their websites, their products, their services, or their practices. We are not responsible for the privacy policy, terms and conditions, practices or the content of such third parties or third-party websites. These third-party websites may send their own cookies to you and independently collect data. If you visit a website that is linked from this Site or our emails, we encourage you to read any privacy statements and terms and conditions of that third party’s website before providing any personally identifiable information. If you have a question about the terms and conditions, privacy policy, practices or contents of a third party or a third party website, please contact the third party directly.

Data Retention

We will retain your information for as long as needed to provide you services. If you wish to request that we no longer use your information to provide you services contact us at privacy@cardwisdom.com. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Operation of this Site in the United States

This Site is operated in the United States. If you are located in the European Union, Canada or elsewhere outside of the United States, please be aware that any information you provide to us will be transferred to the United States. By using this Site or providing us with your information, you consent to this transfer.

Changes to this Privacy Policy

We may update this privacy statement 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 prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Contacting Us
If you have questions or concerns about our privacy practices or wish to make a request regarding your personally identifiable information, please contact us at any of the following:

• Via telephone: (203) 651-9739
• Via fax: (203) 569-7317
• Via mail: 9 Blue Mountain Ridge, Norwalk, CT 06851
• Via email: privacy@cardwisdom.com

Individuals who are residents of California and have provided their personally identifiable information to us may request information regarding our disclosures, if any, of their personally identifiable information to third parties for direct marketing purposes. Such requests must be submitted to us at privacy@cardwisdom.com or in writing at:
CardWisdom
9 Blue Mountain Ridge
Norwalk, CT 06851
Attention: Privacy Department
Fax Number: (203) 651-9739