FicoFormula.com Online Privacy Policy
(Last updated April 2008)
FicoFormula.com.com has established this Privacy Policy to explain how it protects and manages the personal information that it collects from you (the customer) online.
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1. |
Consent for Collection, Use and Disclosure |
Your use of the FicoFormula.com.com site and/or your registration for FicoFormula.com.com 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 FicoFormula.com.com site.
FicoFormula.com.com may occasionally update this Privacy Policy. When it does, FicoFormula.com.com will also revise the “last update” date at the top of this Privacy Policy. In addition, FicoFormula.com.com 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. FicoFormula.com.com will notify customers by email of changes to this policy that will affect information collected from them in the future. In certain circumstances, however, FicoFormula.com.com 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.
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2. |
Accountability |
FicoFormula.com.com 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 and email address, 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).
FicoFormula.com.com 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 FicoFormula.com.com will use appropriate contractual means to establish a comparable level of protection for personal information which is sent for processing by third parties on FicoFormula.com.com’s behalf.
FicoFormula.com.com has designated responsibility for your personal information to its Privacy Officer, who ensures compliance with the principles in this Privacy Policy. Other FicoFormula.com.com individuals may be delegated to act on behalf of the Privacy Officer.
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3. |
Purposes for Collecting Personal Information |
FicoFormula.com.com collects and uses personal information for the following Identified Purposes:
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(a) |
to understand customer needs regarding FicoFormula.com.com’s
services; |
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(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;
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(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 FicoFormula.com.com, its affiliates and third
parties; |
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(e) |
to allow customers to access limited-entry areas of FicoFormula.com.com’s site; |
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(f) |
to personalize some of our services and products for you
and to deliver targeted advertisements and offers from FicoFormula.com.com
and third parties; |
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(g) |
to bill accounts and maintain payment records; |
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(h) |
to comply with any applicable law, regulation, legal
process or government request; |
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(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
FicoFormula.com.com site or any FicoFormula.com.com product or service; |
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(j) |
to protect the services, products or rights of
FicoFormula.com.com, including but not limited to the security or integrity
of the FicoFormula.com.com site; and |
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(k) |
to identify and resolve technical problems concerning FicoFormula.com.com’s site, products and services. |
FicoFormula.com.com 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.
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4. |
Limiting the Collection of Personal Information |
FicoFormula.com.com limits its collection of personal information to only that information which is necessary for the Identified Purposes. FicoFormula.com.com does not direct its site to, nor does it knowingly collect any personal information from children under the age of thirteen.
When you visit the FicoFormula.com.com web site, a cookie may be placed on your computer or the cookie may be read if you have visited the FicoFormula.com.com site previously. FicoFormula.com.com uses cookies to allow FicoFormula.com.com to determine which products and services you have already purchased so that FicoFormula.com.com does not provide redundant information to you, and, if you are an FicoFormula.com.com affiliate, to track FicoFormula.com.com 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 FicoFormula.com.com 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 FicoFormula.com.com site.
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5. |
Disclosure, Processing and Retention |
FicoFormula.com.com does not sell, rent or disclose your personal information to anyone else, except:
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(a) |
to someone you have designated to act as your agent, for
one or more of the Identified Purposes (listed in Section 2, above); |
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(b) |
to FicoFormula.com.com’s
employees, independent contractors, subsidiaries, affiliates, consultants,
business associates, service providers, suppliers and agents, acting on FicoFormula.com.com’s behalf for any of the Identified
Purposes; |
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(c) |
as necessary if FicoFormula.com.com 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 FicoFormula.com.com’s
rights or property, other users of FicoFormula.com.com’s
web site, products or services, or anyone else that could be harmed by such
activities; and |
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(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 FicoFormula.com.com 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, or in any other country in which FicoFormula.com.com or its affiliates, subsidiaries or agents maintain facilities. By using this web site, you consent to any such transfer of information outside of your country.
After your account becomes inactive (that is, if you request to be removed from our database), FicoFormula.com.com will keep your personal information in its archives. Your information will then be used only as necessary for tax reasons or to prove FicoFormula.com.com’s compliance with any applicable law.
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6. |
Accuracy of Personal Information |
FicoFormula.com.com 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 FicoFormula.com.com about changes to their personal information. You can do this by calling 909-227-3022 or sending an email to our privacy department. FicoFormula.com.com will use new or updated personal information it receives from customers to update its own records.
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7. |
Security Safeguards |
FicoFormula.com.com will use reasonable efforts to protect customers’ personal information.