Privacy Policy

Our Privacy Policy was created inform people concerned with how we use their Personally Identifiable Information’ (PII) online. PII, as used in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please ensure to read our privacy policy carefully to understand exactly how we collect, use, safeguard and administer your Personally Identifiable Information on our online properties.

What personal information do you users enter on your website, blog or app?

If you order or register on our website, we may ask you to enter your name, email address, phone number or other personal information to help facilitate your online experience.

When do you collect my personal information?

We collect your personal information once you register on our website, subscribe to our newsletter, respond to a survey, or fill out an electronic form on our site.

How do you use my personal information?

Your information may be used to collect your online registration information, facilitate your purchase, subscribe you to our newsletter, complete a survey or marketing communication, browse our website, or use other site features to personalize user experience and allow us to deliver the type of content and/or products that you are most interested in, allow us properly respond to your customer requests, administer a contest, promotion or survey, or send your periodic emails about your request or our products and services or the third party products and services that we may promote.

How do you protect the information of online visitors?

We scan our website periodically to track potential security breaches and vulnerabilities to help ensure the safety and security of our online visitors. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology. We implement a variety of security measures enters, submits, or accesses their information to maintain the safety of your personal information. All transactions are processed through a gateway provider and are not stored or processed on our servers.

Do you use cookies?

Yes. Cookies are small files that you can enable or disable, which a site or third party service provider can transfer to your computer’s hard drive through your web browser to enable the site or service provider to recognize your browser and record certain information about you. For example, we can use cookies to remember and process items in your shopping cart, understand your preferences based on previous or current site activity to enable us to improve our services, or to aggregate data about site traffic and site interaction to improve site experiences and functionality.

We use cookies to understand and save the user’s preferences to enhance future visits and aggregate data on site traffic and site interactions in order to offer better site experiences. We may also use trusted third party services that track this information on our behalf. You can choose to have your computer warn you each time a cookie is being sent, or turn off cookies through your Explorer, Chrome or other browser settings. Refer your browser’s Help Menu for instruction on how to correct or modify your cookies. If you turn off cookies, some features will be disabled, which may affect some features designed to make your online user experience more efficient.

What is your Third Party Disclosure?

We will not sell, trade, or transfer your information to third parties unless without providing you advance notice. However, this does excludes our website hosting partners and third parties that assist us in operating our website, conducting our business, or servicing you, which agree to keep this information confidential. We may also release your information in compliance with the law and to enforce our site policies or protect any rights, property, or safety. Nonpersonally identifiable information may be given to third parties for marketing, advertising, or other uses.

What is your policy with Third Party Links?

At our site discretion, we may include or offer products or services from third party sites that have there own privacy policies. We are not responsible or liable for the content and activities of these linked third party sites. We’d appreciate your feedback on any of these sites to protect the integrity of our site and services to you.

Do you advertise with Google AdSense?

We reserve the right to install Google AdSense, which is not presently enabled on our site. For more information on Google’s advertising principles for a positive user experience, please refer to https://support.google.com/ adwordspolicy/answer/1316548?hl=en.

California Online Privacy Protection Act

CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require a person or company in the United States (and conceivably the world) that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy.
– See more at: http://consumercal.org/california-online-privacyprotection-act-caloppa/#sthash.0FdRbT51.dpuf

According to CalOPPA we agree to the following:
Users can visit our site anonymously.
Once this privacy policy is created, we will add a link to it on our home page, or as a minimum on the first significant page after entering our website.
Our Privacy Policy link includes the word ‘Privacy’, and can be easily be found on the page specified above.

Users will be notified of any privacy policy changes:
On our Privacy Policy Page, users can change their personal information:
By emailing us at [email protected]
By logging in to their account

How does your site handle do not track signals?

We honor do not track signals and do not track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.

Does your site allow third party behavioral tracking?

It’s also important to note that we do not allow third party behavioral tracking

COPPA (Children Online Privacy Protection Act)

In handling the collection of personal information from children under 13, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation’s consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online. We do not specifically market to children under 13.

Fair Information Practices

The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occurs:
We will notify the users via email
Within 7 business days
We will notify the users via in site notification
Within 1 business day

We also agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or a government agency to investigate and/or prosecute non-compliance by data processors.

CAN SPAM Act

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to:
- Send information, respond to inquiries, and/or other requests or questions.
- Market to our mailing list or continue to send emails to our clients after the original transaction has occurred

To be accordance with CANSPAM we agree to the following:
- NOT use false, or misleading subjects or email addresses
- Identify the message as an advertisement in some reasonable way
- Include the physical address of our business or site headquarters
- Monitor third party email marketing services for compliance, if one is used.
- Honor opt-out/unsubscribe requests quickly
- Allow users to unsubscribe by using the link at the bottom of each email

If at any time you would like to unsubscribe from receiving future emails, you can email us at [email protected] and we will promptly remove you from all future market-related correspondence.

Contacting Us

If there are any questions regarding this privacy policy you may contact us using the information below.

www.i5credit.com
25185 Madison Ave
Murrieta, CA 92562
EMAIL: [email protected]
UNSUBSCRIBE: [email protected]

Terms of Use

READ THE FOLLOWING TERMS AND CONDITIONS OF USE CAREFULLY BEFORE ACCESSING THIS SITE.

All visitors who access and use this site agree to the following terms and conditions of use and applicable laws. Unless you agree these terms and conditions, please do not use this site.

Email Op-tin Policy

Upon registering in the i5Credit member section, you opt to receive email updates from us. You may unsubscribe at any time by emailing [email protected] and entering “UNSUBSCRIBE” on the subject line.

Copyright

All content in this site, such as text, graphics and code are copyright protected as a collective work under the United States and other copyright laws, and is the property of i5Credit. Permission is granted to electronically copy and print hard copy portions of this site for the sole purpose of placing an order with us or purchasing our products or services. Any other use, such as the reproduction, distribution, display or transmission of any content of this site is strictly prohibited, unless authorized by us. You further agree not to change or delete any proprietary notices from materials downloaded from the site.

Trademarks

All trademarks, service marks and trade names of i5Credit used in the site are trademarks or registered trademarks of i5Credit.

Warranty Disclaimer

Collectively, all materials and products on this site are provided “as is” and without warranties of any kind, whether express or implied. To the fullest extent permissible under law, we disclaim all warranties, express or implied, including but not limited to, implied warranties of merchantability and fitness for a particular purpose and non-infringement. We do not represent or warrant that the functions contained in the site will be uninterrupted or error-free, that the defects will be corrected, or that this site or the server that makes the site available are free of viruses or other harmful components. We do not make any warrantees or representations regarding the use of the materials in this site in terms of their correctness, accuracy, adequacy, usefulness, timeliness, reliability or otherwise. Some states do not permit limitations or exclusions on warranties, so the above limitations may not apply to you.

Limitation of Liability

We are not liable for any special or consequential damages that result from the use of, or the inability to use, the services and products offered on this site, or the performance of the services and products.

Term Termination

These terms and conditions are applicable to you upon accessing this site or completing the registration process and any part of them may be terminated by us without notice at any time, for any reason. The provisions relating to Copyrights, Trademark, Disclaimer, Limitation of Liability, Indemnification and Miscellaneous, shall survive any termination.

Notice

We may deliver notice to you by means of e-mail, a general notice on the site, or by other reliable method to the address you have provided to us.

Miscellaneous
Your use of this site shall be governed in all respects by the laws of the state of California, U.S.A., without regard to choice of law provisions, and not by the 1980 U.N. Convention on contracts for the international sale of goods. You agree that jurisdiction over and venue in any legal proceeding directly or indirectly arising out of or relating to this site, including but not limited to the purchase or use of our products or services, shall be in the state or federal courts located in Riverside County, California. Any cause of action or claim you may have with respect to the site (including but not limited to the purchase or use of our products or services must commence within one year after the claim or cause of action arises. Our failure to insist upon or enforce strict performance of any provision of these terms and conditions shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any of these terms and conditions. We may assign its rights and duties under this Agreement to any party at any time without notice to you.

Use of Site

Harassment in any manner or form on the site, including via e-mail, chat, or by use of obscene or abusive language, is strictly forbidden. Impersonation of others, including an i5Credit or other licensed employee, host, or representative, as well as other members or visitors on the site is prohibited. You may not upload to, distribute, or otherwise publish through the site any content which is libelous, defamatory, obscene, threatening, invasive of privacy or publicity rights, abusive, illegal, or otherwise objectionable which may constitute or encourage a criminal offense, violate the rights of any party or which may otherwise give rise to liability or violate any law. You may not upload commercial content on the site or use the site to solicit others to join or become members of any other commercial online service or other organization.

Participation Disclaimer

We do not and cannot review all communications and materials posted to or created by users accessing the site, and are not in any manner responsible for the content of these communications and materials. We reserve the right to block or remove communications or materials that it determines to be (a) abusive, defamatory, or obscene, (b) fraudulent, deceptive, or misleading, (c) in violation of a copyright, trademark or; other intellectual property right of another or (d) offensive or otherwise unacceptable to us in our sole discretion.

Indemnification

You agree to indemnify, defend, and hold harmless i5Credit, its officers, directors, employees, agents, licensors and suppliers (collectively the “Service Providers”) from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation of these terms and conditions or any activity related to your account (including negligent or wrongful conduct) by you or any other person accessing the site using your Internet account.

Third-Party Links

In an attempt to provide increased value to our visitors, we may link to sites operated by third parties. However, even if the third party is affiliated with us, i5Credit has no control over these linked sites, all of which have separate privacy and data collection practices, independent of us. These linked sites are only for your convenience and therefore you access them at your own risk. We seek to protect the integrity of our site and the links placed upon it and request any feedback regarding our or third party site links, including if a specific link does not work.