Privacy Policy

At CreditFYI, we're dedicated to keeping your personal information private. As part of this goal, we want to keep you informed about your privacy concerning your use of the CrediFYI.com website and services. Therefore, we invite you to read our Privacy and Security Policy, which is detailed below and discloses our information-gathering and dissemination practices.

If you have questions or concerns regarding this Privacy and Security Policy, please contact us at membersavings@CreditFYI.com. We will try to respond to your submission within seven business days of receiving it.

What information is collected?

Generally, we gather two types of information. The first type of information is the personally identifiable information ("Personal Information") that you expressly provide when you sign up with CreditFYI. This information includes your name, mailing address or e-mail address or some other unique personal identifier (e.g., city of birth or mother’s maiden name) that we can use to confirm sales and billing information (e.g., credit card number). Occasionally, we may request other information from you that may be used by our Membership Services department to confirm enrollment, update your account or confirm your order. From time to time, we may offer you optional surveys that may ask you for your opinions or demographic data (e.g., age and gender) so that we can improve our program and offerings.

The second type of information is technical and statistical information that is collected automatically whenever you visit our website. This type of information may include things such as your IP address, operating system, type of browser and website activity. We collect this data to help us improve the quality of our website and make your visits to the site easy, convenient and meaningful.

We do not link aggregate user data with personally identifiable information.

Who is collecting the information?

CreditFYI is marketed and distributed by Adaptive Marketing LLC, a leading marketing solutions company. The information collected on the site is owned by CreditFYI.

How do you use the information collected?

We use the Personal Information you provide to service your enrollment in services and offers provided by third-party partners. For example, we may request your mailing address so we know where to send benefits and other information you may request. We also may send you additional information such as updates about services offered through our website and special offers. We use your e-mail address to notify you of website updates, special offers and promotions. If you prefer not to receive e-mail notifications from us, simply visit our Contact Us page, select “Unsubscribe to e-mail and special offers” from the drop-down menu, and e-mail us your request. Be sure to include your name and the e-mail address to remove from our list.

The Personal Information that is collected may also be shared with other groups within the Adaptive Marketing organization, and with Adaptive Marketing’s affiliates and/or marketing partners, to bring you additional information and special savings offers.

The technical and statistical information that is automatically collected from your computer whenever you visit CreditFYI is used to help us improve the site and the member experience. From time to time, we may disclose general statistical information about our website and its visitors such as the number of visitors, the number and type of products purchased, etc.

Do you share Personal Information with third parties?

CreditFYI may share Personal Information with third parties whom we employ to perform functions on our behalf and with whom we have contractual relationships. For example, CreditFYI uses a third party to verify and process your enrollments in requested benefits or services. All such third parties are contractually obligated to use your Personal Information only for the purpose for which it is given. CreditFYI is not responsible for the information practices of third parties outside of such contractual relationships. The collection, use and disclosure of information by third parties are subject to their respective privacy policies, which may differ from our policy.

From time to time, we may also share Personal Information with our affiliates and/or marketing partners who offer products and services that we think will be of interest to you. If you prefer not to have your Personal Information shared with our affiliates and/or marketing partners, please indicate your preference or by sending us an e-mail using the Contact Us page. If you accept a third-party offer provided via or linked to from our website, you consent to our providing your Personal Information and/or billing information to the third-party marketer that offered the product or service so they may process your acceptance of the offer.

We may also disclose your Personal Information when required by law or in the good-faith belief that such action is necessary in order to conform to the edicts of the law or comply with legal process.

As we continue to develop our business, we may buy or sell assets. In such transactions, customer information generally is one of the transferred business assets. Also, in the unlikely event that our company or substantially all of its assets are acquired, customer information will of course be one of the transferred assets. In the event that customer information is transferred as described in this paragraph, members will be notified via e-mail and given the opportunity to opt out of having their Personal Information transferred to any new entity.

How do I change/modify my information?

You can change, modify or update your user information from the Contact Us page. You can choose at any time to inform us of your e-mail preferences by sending us an e-mail from the Contact Us page.

What are “cookies,” and how do you use them?

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies on this site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site. Some of our business partners (e.g., advertisers) use cookies on our site. We have no access to or control over these cookies. This Privacy and Security Policy covers the use of cookies by this site only and does not cover the use of cookies by any advertisers.

We use persistent cookies. A persistent cookie remains on your hard drive for an extended period of time. We use persistent cookies on the login page to store your Login information and for re-direction of members to partner websites. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file.

Most Internet browsers will allow you to erase or block cookies. Instructions for disabling cookies may differ from one browser version to another. Please refer to the Help section of your browser for instructions to assist you in these processes: preventing your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. However, cookies allow you to take full advantage of some of our site’s features, so we recommend that you leave them turned on.

If you reject cookies, you may still use our site.

What are “pixels,” and how do you use them?

“Pixels" or "pixel tags” are tiny graphic images placed on certain pages of our website but not on your computer. When you access these pages, pixel tags generate a generic notice of that visit; at no time is your Personal Information collected by the pixel tag. Pixel tags allow us to measure and improve our understanding of visitor traffic and behavior on our website. We may also utilize pixel tags provided by our affiliates and/or marketing partners for the same purposes.

How can I disable my pixel tags?

You can disable pixel tags by changing your browser settings to omit images. Alternatively, there are some commercial software packages available that can omit pixel tags.

How do you secure user information?

We work to protect the security of your information during transmission by using Secure Socket Layer (SSL). When you register or enroll in an offered service, the SSL scrambles or encrypts your information before it is sent to us over the Internet. This protects your personal and, if required, credit card information from being read while it is transferred through cyberspace. When we receive your information, it is kept encrypted until we are ready to process your request. SSL is supported by Netscape 2.0+, Microsoft IE 3.0+ and most frame-enabled browsers. You will see a small key or padlock in the bottom right corner of your browser if you are using Netscape or Microsoft browsers, indicating that your transaction is secure. In addition, we meet all of the stringent requirements of the VerisignTM security seal for all online transactions.

Internal access to user information is protected and can only be accessed by password. We also contract with industry experts to institute and review Internet security on a periodic basis.

Do these same policies apply to third-party websites that I access through CreditFYI?

No. The Privacy and Security Policy appearing on this website relates to CreditFYI. You will notice that our website may contain links to other sites, such as our benefit and service providers. We cannot be responsible for the privacy and security practices of other websites that you may access through our site, even if displayed within a frame on our site. As an online consumer, you should always review a particular website’s privacy and security policies when linking to that site before revealing any Personal Information to that site.

How do you update your Privacy and Security Policy?

We will notify you if there is a material change in our privacy practices. We will take commercially reasonable measures to obtain written or active e-mail consent from the member if CreditFYI is going to be using the information collected from the member in a manner different from that stated at the time of collection. We will also post the changes in our Privacy and Security Policy prior to a change.

How do I contact the website?

If you have any questions about the practices of this website or your dealings with this site, you can send us an email through our Contact Us page or write to us at CreditFYI.com, P.O. Box 5151, Des Plaines, IL 60017.

By using our website, you consent to the collection and use of information as it is disclosed in this Privacy and Security Policy statement. If you do not agree, we ask that you do not use our site. Thank you.

Effective June 1, 2008