Praxis Credit Consulting (“PCC” or “we”), is committed to respecting the privacy of our clients. We strive to provide a safe and secure customer experience. This Privacy Statement sets forth the online data collection and usage policies and practices that apply to services provided PCC. By using PCC, you consent to the policies and practices described in this statement (this “Privacy Statement”).
Your data will be stored and processed in whole or in part in the United States, if you access a PCC web site (our “Site”) outside the United States, your usage of that Site constitutes consent to the transfer of your data out of your country and to the United States.
Our Site may contain links to other web sites over which we have no control. PCC is not responsible for the privacy policies or practices of other web sites to which you choose to link from our Site. We encourage you to review the privacy policies of those other web sites so you can understand how they collect, use and share your information. This Privacy Statement applies solely to the information that PCC collects.
PCC is in compliance with generally accepted privacy principles and builds client trust and confidence by promoting the principles of disclosure and informed consent.
Collection and Retention of Information
In some areas throughout our program, PCC requests or may request that you provide personal information, including your name, address, e-mail address, telephone number, credit card number, social security number, date of birth, landlord or loan servicer information, contact information, billing information and any other information from which your identity is discernible. In other areas, PCC collects or may collect demographic information that is not unique to you such as your zip code, age, preferences, gender, interests and favorites. Sometimes we collect or may collect a combination of the two types of information.
We also gather or may gather certain information about your use of our Site, such as what areas you visit and what services you access. Moreover, there is information about your computer hardware and software that is or may be collected by PCC. This information can include without limitation your IP address, browser type, domain names, access times, and referring web sire addresses.
PCC may sometimes afford you the opportunity to provide descriptive, cultural, behavioral, preferential and/or lifestyle information about yourself, but it is solely up to you whether you furnish such information. If you do provide such information, you are thereby consenting to the use of that information in accordance with the policies and practices described in this Privacy Statement. For example, such information may be used for the purpose of determining your potential interest in receiving email or other communications about particular products or services.
Since we believe that managing your credit is a life-long process, we retain indefinitely all the information we gather about you in an effort to make your repeat use with us more efficient, practical, and relevant. Of course, you can correct or update your PCC account profile at any time. Moreover, you can close your PCC account at any time, in which event we will remove all our copies of your PCC account profile information, except for an archival copy that is not accessible on the Internet.
Use of Information by PCC
We use the information we gather, whether personal, demographic, collective, or technical, for the purpose of operating and improving our credit services, fostering a positive customer experience, and delivering the products and services that we offer.
We may also use the information we gather to inform you of other products or services available from PCC or its affiliated companies or to contact you about your opinion of current products and services or potential new products and services that may be offered. (The term “affiliated companies” is defined in the section of this Privacy Statement entitled “Contact Information”).
We may use your contact information in order to send you e-mail or other communications regarding updates of our Site, services and additional information that may be of interest to you. The nature and frequency of these messages will vary depending upon the information we have about you. In addition, at the time of registration for PCC, you have the option to elect to receive additional communications, information, and promotions including without limitation free informational newsletters from PCC relating to topics that may be of special interest to you, such as credit management, mortgage, or other financial advice.
We have an area where you can submit feedback. Any feedback you submit becomes our property, and we can use such feedback (such as success stories) for marketing purposes or contact you for further information.
Disclosure of Information to Others
We do not disclose to third parties your personal information, combined personal and demographic information or information about your use of PCC (such as the areas you visit on our Site or the services you access), except as set forth in the following four paragraphs.
We may disclose such Information to third parties if you consent to such disclosure. For example, if you indicate that you would like to receive information about the products or services of third parties at the time you register for a PCC account, we may supply your contact information to third parties such as employers, recruiters, data aggregators, marketers or others for the purpose of sending you e-mail or otherwise communicating with you. We may use data we have about you (such as the interests and preferences you have expressed) to determine whether you might be interested in the products or services of a particular third-party
We may disclose such information to companies and individuals we employ to perform functions on our behalf. Examples may include hosting our web servers, analyzing data, providing marketing assistance, processing payments, and providing customer service. These companies and individuals will have access to your personal information as necessary to perform their functions, but they may not share that information with any other third party.
We may disclose such information if legally required to do so, if requested to do so by a governmental entity or if we believe in good faith that such action as necessary to: (a) conform to legal requirements or comply with legal process; (b) protect the rights or property of PCC or its affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public.
We may disclose and transfer such information to a third party who acquires all or a substantial portion of PCC business, whether such acquisition is by way of merger, consolidation, or purchase of all, or a substantial portion of our assets. In addition, in the event PCC becomes the subject of a bankruptcy proceeding, whether voluntary or involuntary, PCC or its trustee in bankruptcy may sell, license or otherwise dispose of such information in a transaction approved by the bankruptcy court.
Updating Your Information
You may review, correct, update, or change your PCC account profile information at any time.
If you opted to receive newsletters, commercial emails, or other communications from PCC or third parties at the time you registered with PCC, but subsequently change your mind, you may opt-out by editing your Account Profile. If you previously opted not to receive such communications, you may later opt-in by editing your Account Profile.
PCC has implemented reasonable technical and organizational measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, or disclosure. However, we cannot guarantee that unauthorized third parties will never be able to defeat those measures or use your personal information for improper purposes.
Changes to Privacy Statement
If we decide to change our Privacy Statement for PCC, we will post those changes so that you will always know what information we gather, how we might use that information, and to whom we will disclose it. If at any time, you have questions or concerns about PCC’s Privacy Statement, please feel free to email us at firstname.lastname@example.org.