Kredit Koncepts Privacy Policy

Last Updated June 2024

Your privacy is important to Kredit Koncepts. The terms “Kredit Koncepts,” “we,” “our,” and “us” throughout this document mean Kredit Koncepts. Please read our Privacy Policy carefully to understand how we collect, use, disclose, transfer, and store your information. By visiting our website or agreeing to content that includes a link to this document (“Online Ads”), you agree to the practices described in this Privacy Policy and our Terms of Use. (Specific state privacy protections are listed in Section 13 of this Privacy Policy).

Our Collection and Use of Personal Information

Personal Information includes information you provide us that can be used to uniquely identify or contact a single person, such as your name, address, email address, phone numbers, and Social Security Number.

You may be asked to provide Personal Information when you interact with us, Online Ads, or one of our related companies, such as in connection with a completed or abandoned transaction or a request for information from us. Kredit Koncepts and its related companies and service providers may share your Personal Information with each other and use it consistent with this Privacy Policy.

We may supplement the Personal Information you provide with Personal Information available from other sources, such as credit bureaus, public databases, data aggregators, and other commercially-available sources.

Examples of Personal Information We Collect and How We Use It

You may provide us with a variety of Personal Information, including your name, mailing address, email address, phone number, payment information, and Social Security Number.

The Personal Information we collect allows us to verify your identity, deliver requested products, services, and information to you, stay in contact with you, and manage Kredit Koncepts’ relationship with you. By providing us with Personal Information, you consent to our transfer and storage of that information.

We also may use your Personal Information for research, development, and analysis, and for advertising, marketing, product and service offerings, security, fraud prevention, and other business activities.

Confirm your identity;
Send you information on the status of your account or transaction;
Contact you if we need your assistance to complete a transaction; and
Send you newsletters and other customer-related material as permitted by law.

We have a zero tolerance policy for email abuse. If you receive unsolicited emails from us, please report it to us. We are not responsible for communications you may receive from non-affiliated third parties.

We will never ask you to provide Personal Information in an email. DO NOT RESPOND to an email that appears to be from us requesting Personal information. Contact us immediately at 800-985-9367.

Our Collection and Use of Non-Personal Information

Non-Personal Information is information in a form that does not allow for direct association with a specific person. This information is compiled and analyzed on both a personal and aggregated basis. We may collect, use, monitor, analyze, transfer, and disclose Non-Personal Information for any purpose.

Examples of Non-Personal Information We Collect and How We Use It

We may collect and aggregate information regarding user access, activity, and behavior on our website, such as when you visit the website and what content is of interest or seems to be most useful to you. If we combine Non-Personal Information with Personal Information, the combined information is treated as Personal Information for purposes of this Privacy Policy.

Device Information: We may collect specific information for the device you use to access our website, such as device model, IP address, MAC address, operating system version, application software, and more.
Cookies and Other Technologies: We use a variety of technologies to collect and store information when you visit our website. This may involve sending web beacons, cookies, or anonymous identifiers to your device.
Log Information: When you visit our website, we collect certain information automatically, such as IP address, browser version, ISP data, referring and exit pages, date/time stamps, and more.
Click-Through URLs: In some email messages, we use a Click-Through URL to link to content on our website. This helps us determine interest in specific topics and measure the effectiveness of our emails.
Anonymized Information: If we separate Non-Personal Information from Personal Information, the resulting Anonymized Information is treated as Non-Personal Information.

Our Sharing of Information with Others

Personal Information

We do not share Personal Information with businesses or individuals outside of Kredit Koncepts, except under the following circumstances:

Consent: We will share your Personal Information with others outside of Kredit Koncepts when we have your consent to do so.
Service Providers: We provide Personal Information to related companies and other trusted businesses or persons who use, analyze, or process it on our behalf.
Legal Reasons: We will share Personal Information with others outside of Kredit Koncepts if we have a good-faith belief that disclosure is necessary or appropriate for compliance with applicable law or regulations, among other reasons.

Non-Personal Information

We may share Non-Personal Information publicly and with our strategic partners. For example, we may share Non-Personal Information to describe the size and success of our firm.

Transparency and Choice

We may use third-party display advertising companies, including Google, to serve Kredit Koncepts ads on its behalf on sites across the Internet. Our display advertisers and we use cookies to inform, optimize, and serve ads based on your past visits to our website.

You may find additional information, opt-out of, or customize display advertising from Google or DoubleClick by visiting Google’s Ads Preference Manager. You may also opt-out of other third-party display advertising by visiting the Network Advertising Initiative opt-out page.

You can also disable cookies within your browser. However, note that certain features of the Kredit Koncepts website may not function properly once cookies are disabled.

Social Media Plug-ins

Plug-ins for social networks, such as Facebook, Twitter, LinkedIn, and others, are integrated into Kredit Koncepts’ website. By interacting with us through these plug-ins, certain information may be transmitted to the social network and we may have ongoing access to that information.

If you do not want the social network to collect information about you or share it with Kredit Koncepts, please review the privacy policy of the relevant social network and log out before visiting our site.

Information Security and Retention

We take precautions to safeguard your Personal Information from loss, theft, and misuse, as well as unauthorized access, disclosure, alteration, and destruction. These precautions include technical, physical, and administrative procedures.

We retain Personal Information and Non-Personal Information for the time necessary and reasonable to fulfill the purposes outlined in the Privacy Policy unless a longer retention period is required or permitted by law. Our data retention for such information is seven (7) years.

Third Party Privacy Policies

This Privacy Policy only addresses the use and disclosure of information we collect from you. It does not apply to the practices of companies that we do not own or control.

Children

We do not knowingly collect Personal Information from children under 13. If we learn that we have collected the personal information of a child under 13, we will take steps to delete the Personal Information as soon as possible.

Request for Information

If you have any questions or concerns about this Privacy Policy, please contact us at support@kreditkoncepts.com.

Should you no longer wish to receive our emails, you may click on the unsubscribe link located in the footer of each email, or email us at support@kreditkoncepts.com.

State Privacy Protections

California Residents

California residents have the right to know that we will be collecting and maintaining personal information, including credit report data, to assist with credit repair and maintenance services. We do not sell any of your personal information without your consent.

New York Residents

New York residents may place a request to be added to our Do Not Call List by contacting us at 800-985-9367. For more information, please contact the Consumer Protection Board, 270 Broadway, New York, NY 10007; or by phone at (212) 587-4908.