The network of Web Sites (collectively, the "Credo Web Sites") operated by The Credo Group (“Credo”) or its affiliates or subsidiaries, is comprised of various Web sites and Web pages.The Credo Group respects the privacy of all of its users and is committed to protecting such privacy in accordance with this privacy policy. This privacy policy explains The Credo Group Inc.'s ("Credo") treatment of your personally identifiable information collected in connection with your activities on or related to all Credo websites referencing this privacy policy (the "Credo Sites") and all services made available on the Credo Sites (collectively, unless noted otherwise, the "Credo Sites"). This privacy policy also explains how you can ask questions and make suggestions about our privacy practices and review and update your personal information.
We urge you to read this privacy policy carefully and to check back periodically as this privacy policy may change form time to time. Please note that this privacy policy does not apply to the practices of companies or websites which are not owned or controlled by Credo.
INFORMATION COLLECTED
In the course of operating the Credo Services, we may collect two types of information about our users: personal Information and Non-personal Information.
"Personal Information"
is personally identifiable information, such as your name, address, email address, birth date and gender. Personal Information is collected by us when you choose to provide it to us when registering for a Credo Service, such as when you choose to subscribe to a Credo Service, enter a Credo promotion or choose to receive a Credo newsletter. In addition, if you choose to contact any of our customer service representatives, we may keep a record of that correspondence so that we may fully address the subject matter. We may also receive personal Information from our business partners and other third parties, provided that such third parties confirm to us that you have permitted them to share such information.Business contact information such as the name, title, business address, email address or telephone number of a business or professional person or an employee of an organization is not considered personal Information.
"Non-personal Information"
is information of an anonymous nature, such as an Internet protocol Address (Ip Address), the domain used to access a Credo Service, and the type and version of browser or operating system being used. Aggregate information, such as demographic statistics of our users (e.g. average age or geographical allocation of our users), number of visitors and average time spent on a Credo Service, is also considered Non-personal Information.Non-personal Information is collected or derived by us in the course of operating the Credo Web Sites. For example, our Web servers may automatically collect Non-personal Information which is provided through your browser or stored on a Cookie or Beacon when you choose to visit a Credo Service. Non-personal Information is used by Credo as described here.
Credo may use cookies to:
Monitor website usage and improve the operation and performance of the Credo Web Sites and to make the Credo Web Sites easier and more convenient to use. For example, cookies help us remember who you are through your browser settings so that we can offer and provide more personalized services (e.g. language preference). Cookies also allow us to save passwords and preferences for you so that you will not have to re-enter them the next time you visit a Credo Web Site;
Measure aggregate user traffic and demographic statistics related to the Credo Web Sites and advertisements (e.g. number of users, average time spent, average age and similar statistics). This information helps us to better understand when to update, change or offer new services and provides us with details as to the performance of third party advertisements and content. This information may be reported, in aggregate form only, to our current and prospective sponsors, advertisers and business partners. No personal Information will be disclosed in such reports;
Displaying advertisements. Credo Web Sites and third party advertising providers used by Credo may use cookies when serving advertisements.
Cookies are used on many major web sites. Most browsers are initially set up to accept cookies. If you prefer, you can reset your browser either to notify you when you have received a cookie, or to refuse to accept cookies. You should understand that while Credo does not require you to use cookies, certain Credo Web Sites will not function properly if you set your browser to not accept cookies.
Certain Credo Web Sites may contain electronic images known as Web beacons - sometimes called single-pixel gifs - that allow Credo to count users who have visited those pages and to deliver co-branded services. Web beacons are not used to access your personal Information; they are a technique used to compile aggregated statistics about Credo Web Site usage. Web beacons collect only a limited set of information including a cookie number, time and date of a page view, and a description of the page on which the Web beacon resides. Certain Credo Web Sites web pages may also contain Web beacons placed there by our advertising partners to help Credo determine the effectiveness of our Internet advertising campaigns.
USE OF PERSONAL INFORMATION
personal Information may be used by us for the following purposes:
providing you with products which Credo markets on behalf of third parties and information you have requested from us, including your use of the Credo Sites. We may from time to time use your personal Information to contact you about changes, enhancements or similar notices related to the Credo Web Sites and products which Credo markets on behalf of third parties;
If you indicated that you were interested in receiving offers or information from Credo or certain of our selected sponsors or advertisers, Credo or such sponsors or advertisers may send you email materials and other mailings about products and services that we feel may be of interest to you. If at any time you would like to end your subscription to any such email materials, follow the directions posted at the bottom of the email material;
If you enter a contest or other promotion offered on a Credo Web Site, we may, under the rules of the promotion, use your name and certain other information to administer the promotion, such as contacting, announcing and promoting the winners of the promotion;
Credo may also use personal Information if it has reasonable grounds to believe the information could be useful when investigating a contravention of a federal, provincial or foreign law or in order to protect or defend a legal interest.
DISCLOSURE OF PERSONAL INFORMATION
We may share information with certain non-affiliated companies or individuals, including providers inquiring about benefits, family or legal representatives acting on your behalf, and to comply with legal or regulatory requirements. We may also share information about you with non-affiliated entities that contract with us to perform marketing and administrative services. We may also disclose your information to our affiliated companies.
INTERNAL PROTECTION OF INFORMATION
We restrict access to non-public personal information about you to those employees who need to know that information to provide the products and services you requested. We maintain physical, electronic and procedural safeguards to comply with federal regulations to guard this information.
In certain areas, such as when you provide credit card information to us, we work to help protect the security of your credit card information during transmission by using industry standard Secure Sockets Layer (SSL) encryption technology.
You can help protect the security of your personal Information as well. For instance, never give out your password, since this is what is used to access your Account or Registration Information. Also remember to log out of your account and close your browser window when you finish using a Credo Service or surfing the Web, so that other people using the same computer won't have access to your information.
LINKS TO OTHER SITES AND ADVERTISEMENTS
A Credo Web site may contain links to other websites and services. While we try to link only to sites and services that share our high standards and respect for privacy, please understand that we are not responsible for the content of, or the privacy practices employed by, other companies or websites. This privacy policy applies only to the Credo Web Sites referencing this privacy policy.
The majority of the advertisements which are displayed in connection with the Credo Web Sites are served through a reputable third party advertisement serving partner. If you would like to know more about what Non-personal Information is collected and how information is used by our partner or about its "opt-out" procedures, please contact them directly.
CHANGES TO THIS PRIVACY POLICY
Credo may from time to time change its privacy policy as new Credo Web Sites are added or old ones changed. Changes will be effective when notice of such change is posted at a Credo Site. Please check this privacy policy regularly for updates by checking the date of "Last Update" at the top of this document.
ACCESSING AND CHANGING ACCOUNT/REGISTRATION INFORMATION
Credo provides you with the means to access, update, edit or delete any Account or Registration Information you may have provided to us at any time on your own by going to the appropriate page in the Account or Registration section of the relevant Credo Web Site, and changing or deleting such information as desired.
If you are unsure whether we have a record containing any of your personal Information and would like to confirm whether or not we do, please send an e-mail to our privacy Manager at privacy@thecredogroup.com, indicating all e-mail addresses that you may have given us.
How To Contact Us To Opt-Out
If you prefer that we not share your non-public information with non-affiliated companies or individuals for any purpose other than providing the products and services you requested, please complete the opt-out form provided at http://ameri-savings.com/optout/.
QUESTIONS, COMMENTS OR SUGGESTIONS
If you have questions, comments or suggestions about this privacy policy or Credo's privacy practices that were not answered here, send our privacy Manager an e-mail at privacy@thecredogroup.com Copyright 2003 The Credo Group Inc. All Rights Reserved.
