Welcome to the websites of Pioneer Credit Counseling. We (which includes our numerous subsidiaries) believe in your right to know what information is collected during your visit to our websites and how that information is used and safeguarded.
Information Automatically Gathered About All Visitors
We collect aggregate and user-specific information on which pages consumers access or visit. This information is used to generate reports that help us assess the value of and interest in the various websites we provide. We use the information we collect to improve the content of our web pages. We can build a better site if we know which pages our users are visiting, how often they visit, and how long they stay on a page.
Our web servers automatically collect limited information about your computer’s connection to the Internet, including your IP address (but not the e-mail address), when you visit our sites. Your IP address does not contain personally identifiable information, nor does it identify you personally. We use this information to deliver our web pages to you upon request, tailor our sites to the interests of our users, and measure traffic within our sites.
To help make our sites more responsive to the needs of our visitors, we may utilize a standard feature of browser software called a “cookie.” A cookie is a small piece of computer code that is deposited on your hard drive by our site. Browsers typically recognize when a cookie has been sent to your computer and give you the option to refuse or allow it. A cookie does not actually identify you, just the computer that you are using to access our site. A cookie cannot read data off your hard drive. Our advertisers, content partners, and sites that are reached from links on our site may also assign their own cookies to your browser, a process that we cannot control.
In addition, we can access cookies later in your current session or in a later session on our site in order to improve your visit to our website, as in the following examples:
If your use of a component of the site requires you to register, a cookie will be used to automatically identify you as a registered user when you are using our site. These cookies are known as persistent cookies and continue on your computer after the initial session in which they are created.
This cookie allows us to maintain information containing the products (like photo reprints) or services (such as placing a classified advertisement or signing up for home delivery) you are purchasing while you are online. To limit unauthorized access, this cookie, also called a session cookie, expires whenever you exit a browser session.
We will not share personally identifiable information such as your telephone number or social security number with any non-affiliated third parties. We reserve the right, to the extent allowable under applicable law, to share certain information with our affiliates such as credit monitoring services, as well as non-affiliated third parties including: credit reporting agencies or bureaus, and financial institutions such as banks or credit card companies for the purpose of product advertising, direct marketing, and research. Share or disclosure for such purposes is limited to your name, address, and/or electronic mail address. To opt-out of a third party's use of this information, please call toll-free 1-800-888-1596 or please click here.
About Third Party Advertising
We may use third-party advertising companies to serve ads when you visit our Web Site. If so, a list of these ad serving companies will be available here. These companies may use information (generally, not including your name, address, e-mail address, or telephone number) about your visits to this Web Site and to other web sites in order to provide advertisements about goods and services of interest to you. These companies may employ cookies and clear GIFs to measure advertising effectiveness. Any information that these third parties collect via cookies and clear GIFs is generally not personally identifiable (unless, for example, you provide personally identifiable information to them through an ad or e-mail message). We encourage you to read these businesses’ privacy policies if you should have any concerns about how they will care for your personal information. If you would like more information about this practice and to know your choices about not having this information used by these companies, see the Network Advertising Initiative’s consumer web site.
We may use Google as an ad network partner that could display ads on our Web Site. To improve your ad experience on our Web Site and elsewhere on the Internet, we may send non-personal information to Google based on your browser’s activities, such as the type of pages viewed and categories of interests, so that the advertising you see is relevant to you. Google also may use information regarding its own users to select which ads to display.
Information Gathered by Voluntary Submission
To make use of certain features on our web sites (such as contests, story comments, letters to the editor, personalized web pages, and other interactive forums and blogs), visitors need to register and provide certain information as part of the registration or participation process. We may ask, for example, for your name, e-mail address, gender, age, and zip code, and we might request information on your interest in sports, personal finance, the performing arts, and the like.
The information you supply will help us offer you more personalized features, tailor our sites to your interests, and make them more useful to you. The more you tell us about yourself, the more value we can offer you. Supplying such information is entirely voluntary. But if you do not supply the information we need, we may be unable to provide you with services and content we make available to other visitors to our sites. Of course, even if you want to remain completely anonymous, you are still free to take advantage of the wealth of content that is otherwise available, without registration, on our sites.
Children under the Age of 13
If you are under the age of 13, do not send us any information about yourself such as your name, address, or e-mail address. You may only send us personally identifiable information if your parents have verified to us their consent to the collection of the information.
Because we are a consumer credit company, some of our online services and content may be attractive to children. Because we strive to protect the privacy of all users of our site, including children, we endeavor to comply with the Children’s Online Privacy Protection Act.
Includes our contact information.
Explains the types of personal information we collect, and how we use it.
Explains our practices in terms of sharing personal information with third parties.
Allows parents to consent to the collection and use of their children’s personal information, without consenting to disclosure to third parties.
Does not condition a child’s participation in an activity on the child’s providing more personal information than is reasonably necessary for the activity.
Allows parents to review their child’s information, have it deleted, or refuse to permit any further collection, by contacting us.
We make a special effort to encourage children under the age of 13 to consult with their parents before furnishing any personal data. However, we also believe that parents should supervise their children’s online activities and consider using parental control tools available from online services and software manufacturers that help provide a child-friendly online environment. These tools can also prevent children from disclosing their name, address, and other personal information online without parental permission. For additional information about parental control tools, please consult http://www.icra.org/_en/parents
E-mails from Us
Upon registering with our website, you may begin receiving communications from us. In addition, if you have signed up for any of our automated account services, we will send you transactional e-mails regarding the status of your account, including confirmations, notices of expiration and renewal, and other related electronic correspondence. If you have signed up for any of our e-mail newsletters, you may stop receiving them if you follow the “unsubscribe” instructions located near the bottom of each newsletter. We may send you an e-mail inviting you to participate in subscriber or website user surveys. Such surveys greatly help us improve our services and the value of our web sites. Any information you give us in those surveys will not be shared with any third parties except in aggregate form.
What We Do With the Information We Gather About You
We or one of our affiliated companies may perform statistical, marketing, and demographic analyses of our delivery subscribers and their subscription patterns. In addition, we may generally inform our advertisers about our subscriber base. When we present information to our advertisers — to help them understand our audience and confirm the value of advertising on our websites — it is usually in the form of aggregated statistics on traffic to various pages within our sites. We will not share individual user information with third parties unless the user has specifically approved the release of that information. In some cases, however, we may provide information to legal officials as described in “Compliance with Legal Process” below.
In some cases, we contract with third parties to provide services on our behalf, including credit-card and bill processing, shipping, e-mail distribution, list processing, and analytics or promotions management. We provide these third parties only with the information necessary for them to perform their specific services. These service providers are restricted from using this information in any way other than to provide services to us, and they may not share this information with anyone else nor may they resell this data.
Compliance with Legal Process
We may disclose personal information if we or one of our affiliated companies is required by law to disclose personal information, or if we believe in good faith that such action is necessary to comply with a law or some legal process, to protect or defend our rights and property, to protect against misuse or unauthorized use of our web sites, or to protect the personal safety or property of our users or the public.
A Final Note: