Information Covered By This Policy

Our Policy applies to all information about you and/or your company that is obtained by American Free Credit Report in connection with providing a financial product or service for personal, or business purposes. Our Privacy Policy will continue to cover information we may collect about you and/or your company during the course of our relationship as well as after the relationship has ended.

1. Collection of Information from Site Visitors

1. American Free Credit Report automatically collects and/or tracks:
   the home server domain names, IP address, e-mail addresses, type of client computer, and type of Web browser of visitors to American Free Credit Report Web site,
2. the e-mail addresses of visitors who communicate with American Free Credit Report via e-mail,
3. information such as personal, financial or demographic information, knowingly provided by the visitor in on-line forms, registration forms, surveys, and drawing entries, and
4. information, either in the aggregate or user specific, on what pages visitors access.

2. Use of Data Collected

All data collected by American Free Credit Report will be used by American Free Credit Report for editorial and feedback purposes, for marketing and promotional purposes, for a statistical analysis of visitors' and users' behavior, for product development, for content improvement, to inform advertisers as to how many visitors and users have seen or clicked their advertisements, and to customize content and layout of the American Free Credit Report site. Names, e-mail addresses, and postal information collected may be added to the American Free Credit Report data base and used for future e-mails, mailings regarding site updates, new products and services, upcoming events, and status of orders placed online. Financial information collected may be used to check the user's qualifications for registration, to bill the user for products and services, to notify the user in the event of contest winnings, and to notify the relevant taxing and regulatory authorities regarding prizes awarded.

Demographic and profile data collected is used to tailor the visitor's experience at our site, enabling us to present content we think they might be interested in. We use customer contact information to send the user information about our company and promotional material from some of our partners. The user's contact information is also used to contact him or her in the event of a contest winning, and to notify the relevant taxing and regulatory authorities regarding drawing prizes awarded.

3. Disclosure of Data to Third Parties

American Free Credit Report reserves the right to post collected data on American Free Credit Report's Web site, or share, rent, sell, or otherwise disclose data it collects to third parties. Any third party to which American Free Credit Report shares, rents, sells, or otherwise discloses personal data will be carefully pre-screened by American Free Credit Report, determined by American Free Credit Report be reputable, and will use the personal data for marketing products and services which American Free Credit Report determines, in its sole judgment, that visitors might find of interest.

American Free Credit Report will disclose to third parties information disclosed or provided to American Free Credit Report by visitors and users, or information in aggregate form.
Through the use of third party cookies, an advertiser will be electronically notified when visitors and users view or click on its advertisements. This site contains links to other sites and American Free Credit Report is not responsible for the privacy practices or the content of such sites.

4. Opt-Out Right

We allow users and visitors the opportunity to opt-out of receiving communications from us and our partners at the point where we voluntary request information about the user or visitor. This site also allows users and visitors to remove their information from our database. If a user or visitor removes his or her information from the American Free Credit Report database it will no longer be used by American Free Credit Report for secondary purposes, disclosed to third parties, or used by American Free Credit Report or third parties to send promotional correspondences to the user or visitor. Users and visitors can remove their information by writing to us via postal mail at the address below, or by sending an email requesting removal to information@american-free-credit-report-online.com

5. Access to and Ability to Correct Personal Data

Upon request via postal mail or e-mail American Free Credit Report will provide to users and visitors a summary of any personal information retained by American Free Credit Report regarding the user or visitor.

American Free Credit Report will only send personal records to the e-mail address on file for the user or visitor name associated with it. Users and visitors may modify, correct, change, or update their personal record or cause their personal record to be removed from American Free Credit Report's database. Users and visitors may change or modify information previously provided by contacting American Free Credit Report via postal mail to the address below, or via e-mail to information@american-free-credit-report-online.com

6. Collection of Personal Data from Children

The information and services provided at American Free Credit Report web site by American Free Credit Report, its affiliates, sponsors, and advertisers are not intended to be viewed by children under 13 years of age. All contests offered at American Free Credit Report are open to United States residents 18 years or older only American Free Credit Report will not knowingly permit a child to participate in a game, offering of a prize, or another activity. If a child wins a drawing, that child's entry will be voided, and another winner will be drawn.

Concerning users and visitors to its site that it knows are children under 13 years of age, American Free Credit Report maintains the following policies:
American Free Credit Report will not knowingly collect personal information from children under 13 years of age without prior parental consent, which will include an opportunity for the parent to prevent use of the information and participation in the activity. Without prior parental consent, online information will only be used to respond directly to the child's request and will not be used for other purposes without prior parental consent.

In the event a child submits information to the American Free Credit Report Web site, the child must provide an e-mail address for the child's parent or guardian. Thereafter, American Free Credit Report will send an e-mail to the parent or guardian alerting them to the child's registration and providing instructions on how the parent can provide consent for the child to view the contents of American Free Credit Report, or how the parent could view or delete the child's registration, if so desired.
American Free Credit Report will not knowingly distribute to third parties any personally identifiable off-line contact information concerning children under 13 years of age without prior parental consent. No information collected from children is knowingly used for any marketing or promotional purposes whatsoever, either inside or outside American Free Credit Report.

7. American Free Credit Report's Right to Contact User or Visitor

American Free Credit Report reserves the right to contact site users and visitors regarding account status and changes to subscriber agreements, privacy policy, or any other policies or agreements relevant to site users and visitors.

8. Right to Change Privacy Policy

American Free Credit Report reserves the right to change this policy at any time by notifying users of the existence and location of the new or revised privacy policy.