PrivacyPolicy

Chroma Credit Restoration Online Privacy Policy

Last updated: May 2, 2017

This Online Privacy Policy applies to the Chroma Credit Restoration website. This Policy describes how Chroma Credit Restoration collects and uses the personal information you provide. It also describes the choices available to you regarding the use of, your access to, and how to update and correct your personal information.

Please read the following Privacy Policy so that you understand our process and safeguards..

Agreement to this Privacy Policy: By using this website, you consent to this Online Privacy Policy, including your consent to our use and disclosure of information about you in the manner described herein.

What Personal Information is collected

If you interact with our website by submitting feedback, joining a mailing list, or registering you may provide Personal Information to us. Personal Information means personally identifiable information such as information you provide via forms or other online fields including name, email addresses, telephone, fax or mobile numbers, as well as records associated with your credit profile.

How your Personal Information is used

We collect and store on our database the information that you submit to use during your membership, including but not limited to the Sign Up stage. To make our web services easier to use, Chroma Credit Restoration web site allow you to create a “Client ID” so that at any time you may access your personal information and track your progress on the site through the Client Portal. The system does this by saving your information and assigns you a Client ID.

Your personal information is required to work on your credit profile as outlined in our Service Agreement. The information we require is the absolute minimum necessary. Chroma Credit Restoration uses your personal data to ensure that you are kept in constant contact with the real time progress of your credit restoration. We keep you up updated on the latest feature updates, special offers, and any other information necessary to fulfill our obligation to you as our client. In order to fulfill our obligation to you in regards to your credit restoration, we do share your personal information with staff employees of Chroma Credit Restoration so that your services may be effectively and timely performed.

How We Share Your Information

Third Parties
We may sell, trade, or otherwise transfer to outside parties your name, address, city, town, any form or online contact identifier email, and phone number. We share your information with other companies who provide us with services to help promote our content via email and text alerts, as well as with reputable companies who may be able to offer you assistance with your debt or credit.

Service Providers
We may disclose your Personal Information to other companies that help us correspond with you.

Legal Obligations
We may disclose or report your Personal Information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes.

Business Transition
If we are involved in a merger, acquisition, or sale of all or a portion of our assets, you will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information.

Chroma Credit Restoration safeguards the security of your personal data. We take every precaution to protect your personal data when you are on the Internet. Chroma Credit Restoration advises you to change your passwords often, use a combination of letters and numbers, and make sure you use a secure browser. Our web site uses industry-standard Secure Sockets Layer (SSL) encryption on all web pages where personal information is required. This protects the confidentiality of your personal and credit card or checking account information while it is transmitted over the Internet.

How anonymous information is collected and used

When you browse Chroma Credit Restoration’ web site, you are able to do so anonymously. We do not collect personal information when you browse. However we do have mechanism that track pages visited as well as location data, logs and other communication data, and information about your computer and internet connection, including your IP address, operating system and browser type.

Tracking Mechanisms and Deletion of Cookies
We collect non-personal information about our website traffic and usage patterns from technology such as Cookies and Web Beacons. Cookies are small text files that help us to personalize the content of our website. Web Beacons are electronic files used to track your navigation on a website or collection of sites, the completion of transactions, submittal of applications and browsing behavior.

We collect non-personal information about our website traffic and usage patterns from technology such as Cookies and Web Beacons. Cookies are small text files that help us to personalize the content of our website. Web Beacons are electronic files used to track your navigation on a website or collection of sites, the completion of transactions, submittal of applications and browsing behavior.

We use cookies and other tracking technology to help us understand and save your preferences for future visits, and keep track of advertisements and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our site visitors. These service providers are permitted to use the information collected on our behalf to help us conduct and improve our business.
If you prefer, you can choose to turn off all cookies via your browser settings. However, if you turn your cookies off, some of our services may not function properly.

Online Behavioral Advertising Disclosure
Notwithstanding any other provision, we may engage a data provider who may collect web log data from you (including IP address and information about your browser or operating system), or place or recognize a unique cookie on your browser to enable you to receive customized ads or content through web, mobile or other media channels. These cookies contain no personally identifiable information. The cookies may reflect de-identified demographic or other data linked to data you voluntarily have submitted to us, e.g., your email address, that we may share with a data provider solely in hashed, non-human readable form. To opt-out of these data provider cookies, please visit http://www.aboutads.info/choices or http://www.networkadvertising/choices

California Do Not Track Disclosures

How do we respond to Web browser “do not track” signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services?

We currently do not respond to DNT signals in browsers because we do not track individual users across the web.

May other parties collect personally identifiable information about an individual consumer’s online activities over time and across different websites when they visit www.Chroma Credit Restoration?

No.

Notice to California Residents

In response to a California law, we will automatically treat individuals with California addresses or telephone numbers (when disclosed to us) as if you requested us to not share your information with nonaffiliated third parties except as permitted by the applicable California law. We will also limit the sharing of information about you with our affiliates to comply with California privacy laws that apply to us.

Notice to Vermont Residents

In response to Vermont regulations, we automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with nonaffiliated third parties, and that we limit the information we share with our affiliates. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you.

Notice to Nevada Residents

We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by requesting that we cease calling you by contacting us directly and making such request in writing [email protected]. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132.

Notice to Users Outside of the United States

This Online Privacy Policy is intended to cover collection of information on our Sites from residents of the United States. If you are visiting our Sites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third-parties with whom we share it as described in this Notice.

Children Under 18

Our website is not intended to be used by children under 18 years old. You represent and warrant that you are at least 18 years of age. If you are under age 18, you may not use the website or services. We do not knowingly collect personal information from, or target our website or services to children under the age 18. We understand that there may be exceptions to this rule including, but not limited to children who are emancipated. If we discover that the website is being used inappropriately, we will take steps, if possible, to disable access so that the individual may no longer access our website.

Links to Other Websites

Our website may contain links to other websites. Please note that when you click on one of these links you are “clicking” to another website. Chroma Credit Restoration is not responsible for the information privacy practices or the content of such websites. We encourage you to read the privacy policies of these linked websites as their information privacy practices may differ from ours.

Changes to this Privacy Policy

Chroma Credit Restoration’ reserves its right to change this Privacy Policy at any time. We encourage you to check our website frequently to see the current privacy policy to be informed of how we are committed to protecting your information and providing you with improved content on our website in order to enhance your online experience. Upon any material changes to the policy statement, we will post those changes to this Privacy Policy so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We will notify all registered consumers via email of any Privacy Policy changes.

 Please print and retain a copy of this privacy policy for your records.