Privacy Policy
TheCreditBureau.com Inc. (“TheCreditBureau.com “), its parent, affiliates, divisions and/or subsidiaries (“Company”) recognizes the importance of protecting the privacy of business information about you, its customers. Business information includes all of the business related identifying information that you provide to Company. Company is sensitive to your privacy interests and believes that protecting valuable business and/or financial information is one of Company’s most significant responsibilities.
The policies outlined below describe Company’s policies to protect your privacy.
Privacy Laws
The information accessible through the Web Site is governed by Title V of the Gramm-Leach-Bliley Act (15 U.S.C. §6801, et seq.), hereinafter called the “GLBA” as well as the Federal Fair Credit Reporting Act (15 U.S.C. §1681(b)) as amended by the Consumer Credit Reporting Reform Act of 1996, and as amended by the Fair and Accurate Credit Transactions Act of 2003 (FACT Act), hereinafter called the “FCRA.”
The FCRA and the GLBA requires Company to implement a privacy policy and prohibits it from disclosing nonpublic personal information, personally identifiable consumer information or consumer credit information to nonaffiliated third parties except in certain limited situations and as otherwise set forth herein. In carrying out its legal responsibilities, Company enters into a contract with its service providers, vendors and customers to ensure that they will not disclose or use this information other than to carry out the purpose for which it was disclosed.
Use, Collection and Retention of Customer Information
Company collects, retains and uses information about its customers that is required by law to administer Company’s business and provide high-level services to our clients. Company retains information no longer than necessary to meet such objectives. All information voluntarily submitted, becomes the property of Company, with such submission acknowledging and consenting to Company’s authority to use, retain and/or provide customer’s name, address or other information for advertising, promotional or other business purposes without further consideration, unless prohibited by law. Customers who do not want Company to use their business information for Company’s marketing efforts, may opt out by informing Company of such in advance.
Maintenance of Accurate Information
Company has established procedures so that its customer’s business and/or financial information is accurate, current and complete, in accordance with reasonable commercial standards. Any request to correct inaccurate information will be responded to within a timely manner.
Limiting Employee Access to Information
All Company employees are educated about the importance of privacy and confidentiality. Only those employees having a legitimate business reason for knowing a customer’s business and/or financial information have access to such information.
Protection of Information via Established Security Procedures
Company maintains rigorous security standards and procedures regarding unauthorized access to customer information.
Restrictions on the Disclosure of Account Information
Company provides information about customer accounts or other business related identifiable data to third parties only when: 1) the information is provided to help complete a customer initiated transaction; 2) the customer requires it; 3) the disclosure is required by/or allowed by law; or 4) it is necessary to process transactions and provide services.
Maintaining Customer Privacy in Business Relationships with Third Parties
If it is necessary to provide business related identifiable customer information to a third party, Company shall insist that the third party adhere to similar privacy principles that provide for keeping such information confidential.
Disclosure of Privacy Principles to Customers
Company’s customers have the right to know what information is kept about them and how the information is used. Customers have the right to have any inaccurate information corrected or deleted.
Security Issues
If a customer or its customer should have a compelling privacy or security issue, such customer may contact the official custodians of the public records that contain sensitive information about such customer, to determine how to remove certain information from the public record. Such a process will help ensure that the information is not available from the public records custodian or any other information provider.
Information subject to change without notice. All rights reserved. © 2016 TheCreditBureau.com
TERMS & CONDITIONS
Notice: Your use of Thecreditbureau.com Referred to as (The Company) beyond the home page constitutes acceptance of the Terms of Use. Please read the following information carefully before you use the website. We reserve the right, in our sole discretion, to modify or update these Terms and Conditions.
Introduction
Welcome to Thecreditbureau.com website. We are a paid subscription service that provides ongoing services to our members which include, but are not limited to, credit report monitoring and credit score tracking services.
Important Information
Please read the following information carefully before using this web site. By accessing or using the web site, you acknowledge that you have read, understood, and agree to the Terms & Conditions and to follow all applicable laws and regulations. If you do not agree with the Terms & Conditions, do not use this web site.
You acknowledge and agree that Thecreditbureau.com is not a credit repair organization, and that we do not offer credit repair services.
Privacy
Monitoringyourreport.com, its parent, affiliates, divisions and/or subsidiaries (“Company”) recognizes the importance of protecting the privacy of business information about you, its customers. Business information includes all of the business-related identifying information that you provide to The Company.
The Company is sensitive to your privacy interests and believes that protecting valuable business and/or financial information is one of The Company’s most significant responsibilities.
The policies outlined below describe the Company’s policies to protect your privacy.
Privacy Laws
The information accessible through the Web Site is governed by Title V of the Gramm-Leach-Bliley Act (15 U.S.C. §6801, et seq.), hereinafter called the “GLBA” as well as the Federal Fair Credit Reporting Act (15 U.S.C. §1681(b)) as amended by the Consumer Credit Reporting Reform Act of 1996, and as amended by the Fair and Accurate Credit Transactions Act of 2003 (FACT Act), hereinafter called the “FCRA.”
The FCRA and the GLBA requires Company to implement a privacy policy and prohibits it from disclosing nonpublic personal information, personally identifiable consumer information or consumer credit information to nonaffiliated third parties except in certain limited situations and as otherwise set forth herein. In carrying out its legal responsibilities, Company enters into a contract with its service providers, vendors and customers to ensure that they will not disclose or use this information other than to carry out the purpose for which it was disclosed.
Use, Collection and Retention of Customer Information
The company collects, retains and uses information about its customers that is required by law to administer the Company’s business and provide high-level services to our clients. The company retains information no longer than necessary to meet such objectives. All information voluntarily submitted, becomes the property of Company, with such submission acknowledging and consenting to Company’s authority to use, retain and/or provide customer’s name, address, or other information for advertising, promotional or other business purposes without further consideration, unless prohibited by law. Customers who do not want the Company to use their business information for The Company’s marketing efforts, may opt out by informing The Company of such in advance.
Maintenance of Accurate Information
The company has established procedures so that its customers’ business and/or financial information is accurate, current, and complete, in accordance with reasonable commercial standards. Any request to correct inaccurate information will be responded to in a timely manner.
Limiting Employee Access to Information
All Company employees are educated about the importance of privacy and confidentiality. Only those employees having a legitimate business reason for knowing a customer’s business and/or financial information have access to such information.
Protection of Information via Established Security Procedures
The company maintains rigorous security standards and procedures regarding unauthorized access to customer information.
Restrictions on the Disclosure of Account Information
Company provides information about customer accounts or other business-related identifiable data to third parties only when: 1) the information is provided to help complete a customer-initiated transaction; 2) the customer requires it; 3) the disclosure is required by/or allowed by law; or 4) it is necessary to process transactions and provide services.
Maintaining Customer Privacy in Business Relationships with Third Parties
If it is necessary to provide business related identifiable customer information to a third party, Company shall insist that the third party adhere to similar privacy principles that provide for keeping such information confidential.
Disclosure of Privacy Principles to Customers
Company’s customers have the right to know what information is kept about them and how the information is used. Customers have the right to have any inaccurate information corrected or deleted.
Security Issues
If a customer or its customer should have a compelling privacy or security issue, such customer may contact the official custodians of the public records that contain sensitive information about such customer, to determine how to remove certain information from the public record. Such a process will help ensure that the information is not available from the public records custodian or any other information provider.
Information subject to change without notice. All rights reserved. © 2016 TheCreditBureau.com
Disclaimer of Warranties and Liability
OUR SITE, INCLUDING ALL CONTENT, PRODUCTS AND SERVICES MADE AVAILABLE ON OR ACCESSED THROUGH THIS SITE, IS PROVIDED TO YOU “AS IS”, WITH NO WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NEITHER ENFORTRA NOR ITS AFFILIATES MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER (A) AS TO THE CONTENT, PRODUCTS OR SERVICES AVAILABLE ON OR ACCESSED THROUGH OUR SITE, (B) THAT A USER WILL HAVE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO OUR SITE, PRODUCTS OR SERVICES, OR (C) THAT OUR SITE, PRODUCTS OR SERVICES WILL BE ERROR-FREE. IN ADDITION, THE COMPANY DISCLAIMS ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND INFORMATIONAL CONTENT. THEREFORE, YOU AGREE THAT YOUR ACCESS TO AND USE OF OUR SITE, PRODUCTS, SERVICES AND CONTENT ARE AT YOUR OWN RISK. BY USING OUR SITE, YOU ACKNOWLEDGE AND AGREE THAT NEITHER ENFORTRA, ITS DOMESTIC SUBSIDIARIES, NOR ITS AFFILIATES HAVE ANY LIABILITY TO YOU (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE) FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO OR USE OF OUR SITE, CONTENT, PRODUCTS OR SERVICES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), INCLUDING LIABILITY ASSOCIATED WITH ANY VIRUSES WHICH MAY INFECT YOUR COMPUTER EQUIPMENT.
Trademark Rights
The trademarks, service marks, and logos (the “Trademarks”) used in this web site are registered and unregistered Trademarks. The Trademarks belong to The Company or its respective owner. The Trademark owner has exclusive rights to the Trademarks. Any unauthorized use of the Trademarks is strictly prohibited. You may not display or use the Trademarks for any purpose without the written permission of Trademark owner.
Policy on Links to the Thecreditbureau.com Website
You are given a limited, non-exclusive right to create a hypertext link to the The Company’s home page (www.Thecreditbureau.com), or any interior or landing page. However, you may not portray Thecreditbureau.com or any of its Services in a false or offensive manner. You may not replicate, modify, or alter the appearance or content of this web site. You may not use, frame, or utilize framing techniques to enclose any Thecreditbureau.com Trademarks or any of the content of this web site. Except as stated above, you are not given any other right or license to (i) the content of this web site or (ii) any intellectual property or proprietary rights of Thecreditbureau.com. This limited linking right may be taken away from you at any time at our discretion.
Policy on Links to Third Party Web Sites
This web site may contain links to third party web sites. The Company does not represent, guarantee, or endorse any web site that you may access from this web site. In addition, if we provide a link to a web site, we do not represent, guarantee, or endorse the company or any of its offerings. Links contained on this web site are provided solely as a convenience to you. When you access a non-Thecreditbureau.com web site, please understand that the linked site and its content are not under our control.
Unsolicited Idea Submission Policy
When you provide us with comments, suggestions, or ideas (collectively “Feedback”), such Feedback is not considered confidential and becomes the property of The Company. We are not obligated to you if you provide such Feedback. We are free to use the Feedback for any purpose.
International Use
Because you can access this web site internationally, you agree to follow all local rules about the Internet, data, e-mail, and privacy. Specifically, you agree to follow all laws that apply to transmitting technical data exported from the United States or the country of your residence.
Applicable Law
The materials in this web site are designed for use by residents of the United States and its territories and possessions. The laws applicable to the interpretation of these terms and conditions shall be the laws of the State of Illinois. You agree that any and all disputes arising under this Agreement or out of The Company ‘s provision of services to you, if submitted to a court of law, shall be submitted to the state and federal courts of Cook County, Illinois, USA.
Notices
You should send any notices or other communications regarding the web site, products or services to thecreditbureau.com, Attention: Thecreditbureau.com, .
Except as otherwise provided, we may send any notices to you to the most recent e-mail address you have provided to us or, if you have not provided an e-mail address, to any e-mail or postal address that we believe is your address.
Indemnification
You agree to reimburse Thecreditbureau.com, its officers, employees, agents, and partners for all losses, damages, and costs, including reasonable attorney’s fees, resulting from your violation of these Terms of Use.
Copyright Notice
All Rights Reserved. Except as otherwise stated, Thecreditbureau.com owns all content contained in this web site. Content includes the information, text, graphics, web site design, and its selection, assembly, and arrangement (collectively “Content”).
- What is the Cancellation, Return, & Refund Policy?
- If you are not satisfied with your purchase, please let us know! Our policy may include a refund – but some restrictions apply, so please review the terms below. Our policy is independent of any statutory rights that you may have under the law.
- If you cancel/or receive a refund, your account will be closed when the paid membership period ends.
- Please note that your cancellation and refund eligibility may differ when purchased from or billed through a third party (e.g. service provider, reseller, retailer, vendor, etc.).
- Don’t hesitate to contact Customer Support for assistance, it is the fastest way to request cancellation and refund.
Cancelling Your Membership
- You may cancel your membership or automatic renewal by logging into your account, selecting My Settings then Cancel My Enrollment or by contacting customer Support at: 1-800-240-0403.
- If you cancel your membership, it will not automatically renew and you may be eligible for a refund in accordance with the applicable section(s) below.
monitoryourreport Membership Bundles
- If you purchased a bundle, you may cancel one or the entire package at any time. Please call Customer Support at: 1-800-240-0403 for assistance.
- You may also be eligible for a refund in accordance with the applicable section(s) below.
- Please note that your return and refund eligibility may be different when purchased from or billed through a third party (e.g. service, reseller, retailer, vendor, etc.)
Refunds: Monthly Memberships
- The purchase of a monthly membership is NOT eligible for a refund. If you cancel, the membership will not automatically renew next month but your protection will continue for the remaining days in your existing (already paid for) term.
Exceptions to the Cancellation & Return Policy
The following purchases may not be eligible under the Cancellation & Return Policy:
- Certain purchases completed by a third party (e.g., service provider, reseller, retailer, vendor, etc.)
- Repeat purchases of the same Thecreditbureau.com offering that was previously refunded.