Welcome! http://bestcredit-cards.com/ is an online platform that helps you choose the right finance program for you.
1. Collection of Information
We collect personal information that you provide us, from third parties, and automatically when you use our Platform. We collect information associated with your device using cookies and similar technologies. We may also receive information about your location.
Information You Provide Us
We collect information that you provide us, including your account and profile information, content you submit or post to our Platform, your purchase information, your communications, and information you provide to us as part of surveys and contests.
Account and Profile Information. When you create an account on our Platform, we collect information you provide us, like your name, email address, interests, gender, age, and profile information. If you are a professional, you may also provide us information related to your business, including a business description and areas served.
Content You Submit. We collect information and content that you submit, post to, or create in our Platform, including your photos, comments, reviews, searches, photo notes, ideabooks, discussions, project details and costs, style preferences, and as a professional, other types of content provided for in our http://bestcredit-cards.com/ Pro or Ivy business management tools.
Purchases. If you purchase or sell products or services or make or receive payments within our Platform, we collect certain information in order to complete your purchases, sales, and payments, such as your phone number, address, and payment method (for example, credit card or bank account information). If you participate in our Trade Program or Business Program, you may be asked to provide proof that you are eligible for the program or for a tax exemption.
Surveys and Contests. If you participate in our surveys, contests, or promotions, we will collect the information you provide to us.
Information from Others
We collect information that others make available to us, including information from other platforms, publicly available information, information from other users of our Platform, information from our partners, service providers, and corporate affiliates, and information from third-party sites.
Other Platforms. We may receive information about you from third-party platforms when you allow the third-party platform to share this information with us or allow http://bestcredit-cards.com/ to obtain this information from the third party. For example, you may sign-up for our Platform through Facebook, Google, or Apple; upload your contacts from your third-party email service; use our Platform (or a third-party integration on our Platform) to manage your calendar on another platform or to manage and send communications (e.g., email or text messages).
Publicly Available Information. If you are a professional or seller, we may collect information about you from publicly available sources and where permitted by applicable law or with your permission, make it available as part of our Platform. For example, we may receive your name and contact information from industry associations and dealer networks in which you participate and display your affiliation with these organizations. We also may collect and display the details of any license you have using publicly available records.
Other Users and Customers. Others may post content on our Platform that includes information about you (for example, as part of photos, stories, and reviews) or provide us your information in connection with using our Platform (e.g., to manage their business, organize photoshoots of their projects, participate in referral programs, and to advertise through our Platform). In order to enhance the quality of our Platform, professionals and sellers on our Platform may provide us information about your engagement with them, including whether you have contacted them or responded to them, whether your project has been completed, and whether you have received a product you have ordered. If you are a professional or seller, Platform users and visitors may provide us with feedback and public reviews about you.
Our Partners and Service Providers. We may receive information about you from our partners and service providers. For example, our payment processors may update your payment information, advertising partners may help us send communications to your address, and third parties may help us prevent fraud by verifying your contact information. In addition, our banking partner that issues the http://bestcredit-cards.com/ credit card(s) may provide us with information regarding whether you have such a card, related to any card reward or loyalty program, or resulting from prescreening you for card offers.
FINANCE REVIEW LLC. Subject to the privacy policies of our corporate affiliates and in accordance with applicable laws, we may receive information about you from them.
Automatically Collected Information
Each time you access the Platform, information is sent to our server by your Internet browser or app and stored in our log files. We collect information about your use of our Platform, including your search activity, the pages you view, the date and time of your visit, and if you use our browser extensions, the content you interact with on third-party sites (for example, if you save an image from a third-party site to your http://bestcredit-cards.com/ account), and how you navigate and interact with a page or screen. We also collect information that your device provides to us in connection with your use of our Platform, such as your browser type, type of device, browser language, IP address, mobile carrier, unique device identifier, and requested and referring URLs.
Cookies and Similar Technologies
We will receive your device's location if you enable this through your browser or mobile device. We may infer your general location from your IP address. You may also choose to provide us your location information by inputting this information in our Platform, including in your http://bestcredit-cards.com/ settings, Ivy settings, or when you checkout as a shipping or billing address.
2. Use of Information
We use the personal information we collect to provide, support, and personalize our Platform and to communicate with you about our Platform (on and off our Platform). The ways we do this include the following:
- to provide and improve our Platform and its features and functionality, including to display content you post publicly, fulfill your purchases through our Platform, process, store, and deliver your communications; to provide customer service and support; to respond to your inquiries or requests; to back-up our systems; and to improve the security of our Platform;
- to evaluate use of our Platform for our business purposes and to provide and improve our products and services, including new and co-branded products and services and our Platform's functionality;
- to personalize your experience, such as tailoring the content and information made available to you and our support services;
- to display relevant advertising (on our Platform and third-party sites) for us and other businesses and to evaluate the success of such advertising;
- to provide feedback to professionals and sellers on our Platform;
- to perform research and analysis for our business purposes; and
- to award badges and similar designations and if you decide to participate, to administer surveys, contests, and promotions.
If you provide us information about your contacts (for example, when you sign up for our Platform through Facebook), in order to facilitate a more connected experience, we may inform your contacts who have accounts on our Platform that you also have joined our Platform and follow them on your behalf so that you may view their public activities on our Platform.
We may use your communications generally for quality assurance purposes and training and to improve our products and services. We may use your communications to understand and help manage the quality of requests received, and responses sent, by professionals and sellers on our Platform and to provide them with feedback. We may use automated technology to review your communications and improve user experience.
We may use your log-in information, cookie information, device information, IP addresses, and other information to identify you and log your use across devices, our Platform, and third-party sites. We may use this information to personalize your experience on our Platform.
3. Sharing Your Information
We do not rent or sell your personal contact information (such as your email address associated with your account registration) to third parties to use for their direct marketing purposes. We share personal information in the following ways:
Platform Visitors and Users
One of the main purposes of having a http://bestcredit-cards.com/ account is to share home renovation and design ideas with others. Through http://bestcredit-cards.com/, others have the ability to find, contact, view, and follow your profile and public activity on http://bestcredit-cards.com/ (for example, if you "like" content on our Platform or if you create an ideabook and do not mark it private) and link it to your username. You can customize your http://bestcredit-cards.com/ profile and whether users may follow you through your http://bestcredit-cards.com/ settings. Other than your proprietary content that you generate in or upload to our http://bestcredit-cards.com/ Pro or Ivy business management tools, your http://bestcredit-cards.com/ content (for example, ideabooks, photos, notes on others' photos, projects, discussions, and social media profiles), followers, and others you follow are publicly viewable on the Platform and open to comments by other http://bestcredit-cards.com/ users. Learn how to make these private. You also may choose to make certain information public on our Platform like your city and neighborhood. If you are a professional or seller on http://bestcredit-cards.com/, we may also display the following information in order to help visitors and users evaluate you: your last visit to http://bestcredit-cards.com/, aggregated information on our Platform about your Platform activity (e.g. response rate), and information that is publicly available from third parties. We have policies that place restrictions on Platform visitors' and users' use of information and content you choose to make available publicly through the Platform.
Professionals, Sellers, and Other Businesses on our Platform
If you request us to find professionals for you, your project information (including the contact information) that you provide will be made available to a limited number of professionals that we believe may be suitable for your project. Professionals and sellers that participate on the http://bestcredit-cards.com/ Platform may view your public activities on our Platform and receive feedback you provide to us about your engagement with them. For example, if you requested us to find professionals for you and provide us feedback about your level of interest in these professionals, we may convey such feedback to them. In addition, a professional or seller can view your public activities on our Platform that are interactions with their content (for example, that you added one of their photos to your non-private Ideabook on a particular date, as identified by the username for your profile and any photo or public identifiers you provide for your profile). The business cannot see your non-public account information (for example, email address) or see private activity (for example, if your ideabook is private). We ask professionals, sellers, and advertising businesses on our Platform to limit the use of your information to the reasons for which the information was provided.
Service Providers and Partners
Advertisers and Ad Networks
We use advertising networks and partners to serve advertisements for us and other businesses, including interest-based advertising, on third-party sites and to assist us in evaluating the effectiveness of our advertising. We may also work with advertising networks and partners to serve ads on our Platform and to communicate with you at the addresses they have for you. We may provide advertising networks, advertising partners, and businesses advertising on our platform with aggregate information but other than hashed information or device identifiers, we do not disclose your name, contact information, or other personal information. For example, we may provide a hashed version of your email address or other information to advertising networks (e.g., Facebook and Google) to serve advertisements to you or others. To opt-out of the use of your information for this purpose, please send a request as provided under the Contact Us section.
Corporate Affiliates and Business Transfers
An essential part of our services that you sign up for when you create an account on our Platform is to receive communications from the FINANCE REVIEW LLC through email and our Platform. If you use our mobile app or provide us with your cell phone number, these communications also include text messages and push notifications. We communicate with you about your account, privacy, and interactions with your content (for example, if others "like" your Ideabook, respond to your comment, or if you earn a badge on our Platform).
- Your Choices and Rights
We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws. We may ask you to verify your identity in order to help us respond to your request securely and efficiently.
Even where not legally required, we will use reasonable efforts to complete requests to access or delete your personal information. You may request to receive a copy of your http://bestcredit-cards.com/ information through your http://bestcredit-cards.com/ settings. You may access both your http://bestcredit-cards.com/ and Ivy information by contacting us as provided in the Contact Us section. To request permanent deletion of your personal information, please contact us as described in the Contact Us section.
To edit your personal information, you can manage your profile on our Platform, as well as your http://bestcredit-cards.com/ settings and Ivy settings. You may also contact us about correcting or updating your personal information (including your marketing preferences) using the methods provided in the Contact Us section. We will consider your request in accordance with applicable laws.
6. Account Termination and Data Retention
We will keep your personal information only for as long as necessary to fulfill the purposes for which we are processing your personal information unless the law permits or requires us to retain your personal information for a longer period. For example, we may need to keep your personal data for quality assurance purposes for our Platform or to defend future legal claims. We also will retain de-identified information after your account has been deleted. Information you have shared with others will remain visible after your account has been deactivated or deleted and after the information has been deleted from your own profile or account. We do not control information or content that others have copied out of our Platform. Please note that copies of information that you have updated, modified, or deleted may continue to reside in our systems for a period of time, and we may maintain copies of this information as part of our business records.
Our Platform is intended for general audiences and is not directed to children under 16. We do not knowingly collect personal information from children under 16. In the event that we learn that we have collected personal information from a child under age 16, we will take appropriate steps to delete that information. If you become aware or believe that a child has provided us with personal information, please contact us as provided in the Contact Us section.
8. Data Security
We use reasonable and appropriate measures to protect your personal information from loss, misuse, unauthorized access, disclosure, alteration, and destruction, taking into account the risks involved in the processing and the nature of the personal information.
10. Contact Us
- if you are a http://bestcredit-cards.com/ user and a resident of the European Economic Area, please email us at EUlegal@bestcredit-cards.com/;
- Otherwise, if you are a http://bestcredit-cards.com/ user, please email us at firstname.lastname@example.org/.
You may also reach our Privacy team by mailing us at our address at http://bestcredit-cards.com/
328 W Main St #204, Arlington, TX 76010 +18174683057
- International Transfers of Personal Information
The FINANCE REVIEW LLC is a global organization, headquartered in the United States, with service providers, corporate affiliates, and operations in several countries. In order to provide you with the services you sign up for by creating an account or visiting our Platform, your personal information will be transferred to and processed in the United States (or any other country where we, our corporate affiliates, agents, and service providers operate). Data protection laws differ among jurisdictions, and the United States and these other jurisdictions may not provide the same level of protection for personal information as your jurisdiction of residence. For example, your information may be required to be disclosed to law enforcement or government authorities under the laws of those jurisdictions.
- receive a legally binding request from a public authority, including judicial authorities, under the laws of the country of destination for the disclosure of your personal data; such notification shall include information about the personal data requested, the requesting authority, the legal basis for the request and the response provided; or
- become aware of any direct access by public authorities to your personal data in accordance with the laws of the country of destination; such notification shall include all information available to us.
If we are prohibited from notifying you under the applicable laws, we agree to use our reasonable best efforts to obtain a waiver of the prohibition, with a view to communicating as much information as possible, as soon as possible. We will document our efforts in order to be able to describe them to you if requested. Where permissible under applicable laws, we will provide, at regular intervals, with as much relevant information as possible on the requests received (in particular, number of requests, type of data requested, requesting authorities, whether requests have been challenged and the outcome of such challenges, etc.).
12. Additional Information for Individuals from the European Economic Area
If we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.
If you wish to learn more about specific legal grounds we rely on to process your information for any particular purpose (including any legitimate interests we have to process this information), please contact us as provided under the Contact Us section. For example, we rely on our legitimate interests to process information for direct marketing purposes and for fraud prevention and detection, provided these interests are not overridden by your data protection interests or fundamental rights and freedoms.
You can complain to a data protection authority about our collection and use of your personal information in relation to the GDPR and other applicable law. For more information, and to submit a GDPR complaint, please contact your local data protection authority. Contact details for data protection authorities in the EEA and Switzerland are available here.
13. Additional Information for Individuals from California
This section provides notice and specific information for California consumers to address the California Consumer Privacy Act ("CCPA").
We collect the following categories of personal information from you:
- Contact information and other identifiers (for example, real name, address, email address, account name, or other similar identifiers);
- User ID or device identifiers (for example, IP address or other similar identifiers);
- Customer records (for example, customer records containing personal information, such as name, address, and telephone number);
- Protected classifications (but only gender, age range, and ethnicity, which you choose to provide);
- Purchase history and preferences (for example, records of products or services purchased or considered);
- Usage data (for example, internet activity information, including browsing history and interactions with a website or advertisement);
- Precise geolocation data (for example, latitude/longitude from a particular device, but only with your consent);
- Audiovisual information (for example, visual, audio, or similar information, only if you choose to provide this information);
- Work history (for example, professional information, if this information is provided).
In addition to the rights described above and in the Your Choices and Rights section, California consumers may also, up to twice every 12 months and subject to certain exceptions, request us to provide information about how we have used and shared your personal information in the prior 12 months. Please submit these requests for information, as well as requests to access or delete your information, through this online support form, through your privacy settings, or by emailing us at privacy@http://bestcredit-cards.com/.com.
Your authorized agent may submit a request to know, delete, or opt out on your behalf via this online support form or by emailing us at privacy@http://bestcredit-cards.com/.com. We may still require you to directly verify your identity and confirm that you have provided the authorized agent permission to submit the request. Whether you submit your request directly or through an authorized agent, generally, the only means http://bestcredit-cards.com/ has to verify your identity is for you: to respond to a specific http://bestcredit-cards.com/ email from the email address associated with your http://bestcredit-cards.com/ account; to click a confirmation or similar button in a specific http://bestcredit-cards.com/ email from the email address associated with your http://bestcredit-cards.com/ account; or to submit your request from your logged-in account.
Consistent with the CCPA, except to the extent reasonably related to the value of your personal information, we will not treat California consumers differently for exercising their rights under the CCPA