Collection of Personally Identifiable Information

We collect personally identifiable information (name, email address, phone numbers, and other information from questionnaires) from you when you submit inquiries about our services. .

MSICredit.com does not sell, share, or in any other way transmit personally identifiable information (names, address, phone numbers, etc.) to any third parties not related to your engagement of credit consulting services with our firm. We do use your contact information to send you information regarding your inquiries, information regarding your the status of your file, reminders, special offers, and other pertinent communications relevant to the service we are providing you. You may always opt-out of receiving such information; see the Choice/Opt-Out section below.

Use of Demographic and Profile Data

In our efforts to continually improve our product and service offerings, we collect and analyze demographic and profile data about our users’ activity on our website. We identify and use your IP address to help diagnose problems with our server, and to administer our website. Your IP address is also used to help identify you and to gather broad demographic information.

We will occasionally ask you to complete optional information and surveys. Optional information and surveys may ask you for contact information and demographic information (like zip code, age, or income level). We use this data to tailor your experience at our site, providing you with content that we think you might be interested in–and to display content according to your preferences.

Cookies

A “cookie” is a small piece of information stored by a Web server on a Web browser so it can be later read back from that browser. Cookies are useful for enabling the browser to remember information specific to a given user. MSICredit.com places both permanent and temporary cookies in your computer’s hard drive. MSICredit.com’s cookies do not contain any of your personally identifiable information.

Our permanent cookies allow us to provide personalized features, such as automatically logging you into My WiseAuto account. In order to use this feature, you must set your browser’s preferences to allow permanent cookies. You will still be able to use the site if you block permanent cookies.

We also use temporary cookies (a.k.a. “per-session cookies”) to improve the functionality and usability of our site. These temporary cookies are permanently erased from your computer as soon as you log out of your MSICredit.com account or link to a different website from your parent browser window. In order to use MSICredit.com, you must set your browser’s preferences to allow per-session cookies (most Web browsers automatically accept cookies).

We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous.

Links to Other Sites

Our site links to other websites that may collect personally identifiable information about you. MSICredit.com is not responsible for the privacy practices or the content of those linked websites and will not transmit personally indentifiable information about you.

Security Precautions

Our site has stringent security measures in place to protect the loss, misuse, and alteration of the information under our control. Once your information is in our possession we adhere to strict security guidelines, protecting it against unauthorized access.

Choice/Opt-Out

MSICredit.com provides all users with the opportunity to opt-out of receiving non-essential (promotional, marketing-related) communications from us on behalf of our partners, and from us in general, after setting up an account. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

To remove your contact information from all MSICredit.com lists and newsletters, simply send an email to info@MSICredit.com with REMOVE in the subject line.

Simple Texting Data

We collect personal and activity data, which may be linked.
We use technologies like cookies (small files stored on your browser), web beacons, or unique device identifiers to identify your computer or device so we can deliver a better experience. Oursystems also log information like your browser, operating system and IP address.

We also may collect personally identifiable information that you provide to us, such as your name, address, phone number or email address. With your permission, we may also access other personal information on your device, such as your phone book, calendar or messages, inorder to provide services to you. If authorized by you, we may also access profile and other information from services like Facebook.

Our systems may associate this personal information with your activities in the course of providing service to you (such as pages you view or things you click on or search for).

We do not knowingly contact or collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us so we can promptly obtain parental consent or remove the information.

Location

We may collect and share anonymous location data.To customize our service for you, we and our partners may collect, use, and share preciselocation data, including the real-time geographic location of your computer or device. This location data is collected anonymously in a form that does not personally identify you and isused only to provide and improve our service. We may obtain your consent on your first use of the service.

Access

You can request to see or delete your personal data. You can sign into your account to see or delete any personally identifiable information we have stored, such as your name, address, email or phone number. You can also contact us by email to request to see or delete this information.

Deletion

We may keep data indefinitely.

Sharing

We may share personal data with companies we trust.

We may share personally identifiable information (such as name, address, email or phone) with trusted partners in order to provide you with relevant advertising, offers or services.

California residents are legally entitled (at no charge and no more than once annually) to request information about how we may have shared your information with others for direct marketing purposes. Contact us for this information: nathan@simpletexting.net.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Ad Tracking

Ad companies collect anonymous data. You can opt out.
Ad companies may use and collect anonymous data about your interests to customize content and advertising here and in other sites and applications. Interest and location data may be linked to your device, but is not linked to your identity.

Contact

You can ask privacy questions.
If you have any questions or concerns about our privacy policies, please contact us: nathan@simpletexting.net.

Vendors

Service providers access data on our behalf.
In order to serve you, we may share your personal and anonymous information with other companies, including vendors and contractors. Their use of information is limited to these purposes, and subject to agreements that require them to keep the information confidential. Our vendors provide assurance that they take reasonable steps to safeguard the data they hold on our behalf, although data security cannot be guaranteed.

Analytics companies may access anonymous data (such as your IP address or device ID) to help us understand how our services are used. They use this data solely on our behalf. They do not share it except in aggregate form; no data is shared as to any individual user. Click to see company privacy policies that govern their use of data.

Vendors access data on our behalf.
In order to serve you, we may share your personal and anonymous information with other companies, including vendors and contractors. Their use of information is limited to these purposes, and subject to agreements that require them to keep the information confidential. Our vendors provide assurance that they take reasonable steps to safeguard the data they hold on our behalf, although data security cannot be guaranteed.

Analytics providers access data on our behalf.
Analytics companies may access anonymous data (such as your IP address or device ID) to help us understand how our services are used. They use this data solely on our behalf. They do not share it except in aggregate form; no data is shared as to any individual user. Click to see company privacy policies that govern their use of data.

Special

Special situations may require disclosure of your data.
To operate the service, we also may make identifiable and anonymous information available to third parties in these limited circumstances: (1) with your express consent, (2) when we have a good faith belief it is required by law, (3) when we have a good faith belief it is necessary to protect our rights or property, or (4) to any successor or purchaser in a merger, acquisition, liquidation, dissolution or sale of assets. Your consent will not be required for disclosure in these cases, but we will attempt to notify you, to the extent permitted by law to do so.

More

Our privacy policy may change from time to time.