Privacy Policy

The web site you entered is operated by Amex-Visa-MasterCard.Com, which values your patronage and the trust you place in the company and its personnel. This Privacy Policy outlines the types of information that are collected by Amex-Visa-MasterCard.Com on its web sites and how Amex-Visa-MasterCard.Com uses and protects it. This policy applies only to Amex-Visa-MasterCard.Com and to web sites operated by or on behalf of Amex-Visa-MasterCard.Com.

This Privacy Policy does not apply to web sites that are owned by third parties, including web sites that link to Amex-Visa-MasterCard.Com or that are linked from this web site (including web sites of lenders and others that have business relationships with Amex-Visa-MasterCard.Com to provide loans and other consumer credit products and services to you). Amex-Visa-MasterCard.Com is not responsible for the privacy practices of those third party web sites, which may differ from ours in significant ways. We encourage you to learn about the privacy policies of those web sites and the companies that operate them.

Our Commitment to Your Privacy

Amex-Visa-MasterCard.Com is a California-based company and strongly supports the inalienable right of privacy guaranteed to all people by the California Constitution. While you may not be protected by the California Constitution, and although Amex-Visa-MasterCard.Com is not a “financial institution” and therefore is not governed by the California Financial Information Privacy Act (Sections 4050 et seq. of the California Financial Code, commonly referred to as “S.B. 1”), Amex-Visa-MasterCard.Com nonetheless is firmly committed to protecting your personal privacy. As part of that commitment, we communicate this Privacy Policy to every Amex-Visa-MasterCard.Com employee, and we require that each Amex-Visa-MasterCard.Com employee follow it. In addition, employee access to information about individual customers is limited to those authorized employees with a legitimate business reason to access the information, and then only on a “need-to-know” basis.

Your Consent to This Privacy Policy

By using this web site, you represent to us that you are an adult under the laws of the place where you reside and that you agree with the terms of this Privacy Policy and with the Terms and Conditions applicable to the use of this web site. If you are not an adult under the laws of the place where you reside, or if you do not agree with any provision of this Privacy Policy or the Terms and Conditions, please do not use this web site, and do not provide any Personal Information to us.

Why We Collect Information

Among its operations, Amex-Visa-MasterCard.Com functions as a consumer credit intermediary, linking consumers with various consumer credit products and services. If you are applying for any of those products or services, Amex-Visa-MasterCard.Com may collect the personal information you provide us to enroll you as a customer or to complete a transaction. In these circumstances, however, our principal role is to facilitate a relationship in which you provide your information directly to a third party B for instance, to apply for extension of credit, or to purchase a credit report or other credit-related products or services -- rather than to us. We collect information as a consumer credit intermediary to enable us to:

• Transmit the information to a third-party lender or service provider (subscribers) who process or provide applications for the product or service you request.
• Communicate with you about your applications for products or services.
• Confirm the acceptance and status of your request by e-mail.
• Respond to your inquiries about the status and/or destination of your applications.
• Identify the referring web site if you link to us from another web site.
• Delete fictitious data from our systems, based on a customer identifier such as a home telephone number or e-mail address.
• Handle accounting issues between us and our subscribers and affiliates, using a customer identifier such as a home telephone number or e-mail address, if the subscriber rejects your application.
• Conduct market and demographic analyses on aggregated customer data, which does not identify individual customers.
• Perform system and security monitoring, such as monitoring the IP addresses of incoming traffic to prevent abuse.

Amex-Visa-MasterCard.Com also provides consumer credit education services. To do so, we may collect your name and your e-mail address to enable us, if you desire, to send you e-mail newsletters and other information about our consumer education services and other programs.

In each of these circumstances, we will only collect and use the minimum information needed to accomplish the stated purpose, and only with your full knowledge and consent.

How We Secure Your Information

When you provide Amex-Visa-MasterCard.Com with personal information, you do so over Secure Sockets Layer technology using a secure encrypted link between the computer you are using and our servers. When we transmit your personal information to the provider of the product or service you are ordering, we also do so over Secure Sockets Layer technology. Amex-Visa-MasterCard.Com safeguards information about you in our possession according to established physical and electronic security procedures designed to prevent unauthorized access. We continually assess new information protection technology.

Disclosure of Your Information

Amex-Visa-MasterCard.Com does not provide your personally identifiable information to affiliated or unaffiliated companies for their independent use, except when we transmit the information to subscribers who process or provide applications for the product or service you request. Amex-Visa-MasterCard.Com may legally disclose your personally identifiable information to unaffiliated third parties when the law requires our cooperation B for example, in response to a search warrant issued in connection with a fraud investigation, in response to a subpoena, or in response to a request by an authorized government regulator. If possible, we will attempt to comply with any legal request for our cooperation by eliminating all personally identifiable information before releasing our records. If that is not possible, before we provide your personally identifiable information to a third party as required by law, we will seek the issuance of a protective order by a court of competent jurisdiction compelling the third party to maintain the confidentiality of that information.

Cookies

A cookie is a piece of data stored on your computer that is tied to information about you. We may use both session ID cookies and persistent cookies. For the session ID cookie, once you close your browser, the cookie simply terminates. A persistent cookie is a small text file stored on the hard drive of your computer for an extended period of time.

You may use our web sites even though you have set your computer's browser to reject cookies. The only drawback to rejecting cookies is that you will be limited in some areas and services of our web site.

You may be unable to order, apply for, or request products or services from our subscribers via our web sites if you have set your computer's browser to reject cookies. Thus, for you to access products or services offered by us or our subscribers through our web sites, we recommend that you set your computer's browser to accept cookies.

Some of the companies that offer products or services via our web sites, and some of the companies that route traffic to our web sites, may transmit cookies from their web sites to your computer. We have no access to or control over these cookies. Consequently, this Privacy Notice only covers our use of cookies and does not cover the use of cookies by any third parties.

We link the information we store in the session ID cookie on your computer to the information you submit while on our site, including any personally identifiable information, however, as noted above, the session ID cookie terminates when you close your browser.

Questions About This Privacy Policy

If you have any questions or concerns about this Privacy Policy or our collection of information, please contact our customer service desk by e-mail at webmaster@Amex-Visa-MasterCard.Com.