Credit and Debt Education (CADE) has established this Privacy Policy to explain how it protects and manages the personal information that it collects from you (the customer) online.
(Last Updated July 7, 2007)
1. Consent for Collection, Use and Disclosure
Your use of the CADE site and/or your registration for CADE products and services constitute your consent to the terms of this Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the
CADE site.
CADE may occasionally update this Privacy Policy. When it does, CADE will also revise the “last update” date at the top of this Privacy Policy. In addition,
CADE will seek a customer’s prior consent, by email, for any new uses or proposed disclosures of information collected from the customer prior to the change.
CADE will notify customers by email of changes to this policy that will affect information collected from them in the future. In certain circumstances, however,
CADE will not inform and obtain the consent of the customer, such as in connection with an investigation of a breach of an agreement, contravention of laws, an emergency where the life, health or security of an individual is threatened, the collection of a debt or in compliance with the request of a law enforcement agency or a court order.
A customer may withdraw his or her consent for collection, use and disclosure at any time by sending an email to unsubscribe@creditanddebteducation.com. Please note that, if you do,
CADE may suspend its provision of products and services to you. When you unsubscribe, if you fall within the guarantee period for any
CADE product and you request a refund, the guarantee will be honored.
2. Accountability
CADE collects, at the time of your registration and your sign-on to its web site, certain “personal information” (information that personally identifies you) including but not limited to your name, email address, home or work address, telephone number, and information about your computer hardware and software (e.g., IP address, operating system, browser type, domain name, URL, access times, and referring web site addresses).
CADE has implemented this Privacy Policy to protect personal information received from its customers, and to respond to any inquiries. The Privacy Policy also provides that
CADE will use appropriate contractual means to establish a comparable level of protection for personal information which is sent for processing by third parties on
CADE’s behalf.
CADE has designated responsibility for your personal information to its Privacy Officer, who ensures compliance with the principles in this Privacy Policy. Other
CADE individuals may be delegated to act on behalf of the Privacy Officer.
3. Purposes for Collecting Personal Information
CADE collects and uses personal information for the following Identified Purposes:
(a) to understand customer needs regarding CADE’s services;
(b) to develop and provide our web site and our products and services for our customers;
(c) to fulfill your requests for products, services or information;
(d) to communicate with customers and site visitors, when necessary, and to inform customers of upgrades, as well as of other products and services available from
CADE, its affiliates and third parties;
(e) to allow customers to access limited-entry areas of CADE’s site;
(f) to personalize some of our services and products for you and to deliver targeted advertisements and offers from
CADE and third parties;
(g) to bill accounts and maintain payment records;
(h) to comply with any applicable law, regulation, legal process or government request;
(i) to respond to a legitimate claim, or to address our reasonable belief, that you are violating the rights of any third party or any of the agreements or policies that govern your use of the
CADE site or any CADE product or service;
(j) to protect the services, products or rights of CADE, including but not limited to the security or integrity of the
CADE site; and
(k) to identify and resolve technical problems concerning CADE’s site, products and services.
CADE also uses personal information in an aggregate form (i.e., not individually attributable to you) for its business analysis, operational, marketing and other promotional purposes.
If we hire other companies to provide some products or services on our behalf, then we will only provide those companies the personal information they need for the Identified Purposes, and we will limit their rights to use and further disclose your personal information as appropriate in the course of their work for us.
4. Limiting the Collection of Personal Information
CADE limits its collection of personal information to only that information which is necessary for the Identified Purposes.
CADE does not direct its site to, nor does it knowingly collect any personal information from children under the age of
eighteen.
When you visit the CADE web site, a cookie may be placed on your computer or the cookie may be read if you have visited the
CADE site previously. CADE uses cookies to allow CADE to determine which products and services you have already purchased so that
CADE does not provide redundant information to you, and, if you are an CADE affiliate, to track
CADE sales made to customers referred by you so that you can receive compensation under our affiliate program. If you choose to not have your browser accept cookies from the
CADE web site, you may not be able to view all the text on the screens, or to experience a personalised visit, or to subscribe to certain service and product offerings on the
CADE site.
5. Disclosure, Processing and Retention
CADE does not sell, rent or disclose your personal information to anyone else, except:
(a) to someone you have designated to act as your agent, for one or more of the Identified Purposes (listed in Section 2, above);
(b) to CADE’s employees, independent contractors, subsidiaries, affiliates, consultants, business associates, service providers, suppliers and agents, acting on
CADE’s behalf for any of the Identified Purposes;
(c) as necessary if CADE has reason to believe that disclosure is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference (either intentionally or unintentionally) with
CADE’s rights or property, other users of CADE’s web site, products or services, or anyone else that could be harmed by such activities; and
(d) to respond to judicial process and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law.
In addition, as we continue to develop our business, we or our affiliates may sell or buy other businesses or entities, or we may merge with another company. In such transactions, personal information may be one of the transferred business assets. Also, in the event that
CADE or substantially all of its assets are acquired, your personal information may be one of the transferred assets.
Your information may be stored and processed in the United States.
After your account becomes inactive (that is, if you request to be removed from our database),
CADE will keep your personal information in its archives. Your information will then be used only as necessary for tax reasons or to prove
CADE’s compliance with any applicable law.
6. Accuracy of Personal Information
CADE will use reasonable efforts to keep customer personal information accurate for the Identified Purposes, and for minimizing the possibility of making inappropriate customer decisions based on such information. Customers are responsible for informing
CADE about changes to their personal information. You can do this by calling
773-913-1400 or sending an email to our privacy department. CADE will use new or updated personal information it receives from customers to update its own records.
7. Security Safeguards
CADE will use reasonable efforts to protect customers’ personal information.
8. Access to Personal Information
CADE will afford you a reasonable opportunity to review the personal information in your file, if you so request by calling
773-913-1400, writing to:
Credit and Debt Educational Services – 8006 South Western Ave. – Chicago, IL
60620
… or upon request to the Privacy Officer.
If CADE is not able to provide access to some aspect of a customer’s personal information, it will provide reasons for denying access such as; that by doing so would likely reveal personal information about a third party, or that it is confidential commercial information or attorney–client privileged communications, or that the information relates to a breach of an agreement or a contravention of law, or that its disclosure could reasonably be expected to threaten the life or security of another individual.
Customers have the right to request that inaccurate or incomplete information be amended as appropriate, by contacting
CADE or the Privacy Officer as described above. CADE will promptly correct such personal information.
8. Our Commitment to Data Security
To prevent unauthorized access,
maintain data accuracy, and ensure the correct use of information, we have put
in place appropriate physical, electronic, and managerial procedures to
safeguard and secure the information we collect online.