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Privacy Policy Last Updated on July 31, 2008 The Credo Group, Inc., a New Jersey corporation doing business as Ameri-Savings™ ("us" or "we"), owns and operates the website www.ameri-savings.com (this "Website") We have created this privacy policy (hereinafter, this "Privacy Policy") in order to disclose how we gather, use and disseminate the information that we collect from you on this Website. We understand the importance that Internet users place on privacy and have designed our service with this in mind. By using this Website, you agree to the terms of this Privacy Policy. This Privacy Policy will address the following:
This Privacy Policy only governs the collection and use of information provided by you to us through this Website. Your insurance provider may maintain a separate privacy policy that governs the collection and use of your information as it relates to the provision of insurance by them. Your California Privacy Rights: If you have any further questions about your rights under California law, you should send us an inquiry via the methods listed above. Information Collected:
Information collected from you may be combined with other personally identifiable information or demographic information obtained from secondary sources, such as address update services. Your credit card information may be required in order to make a purchase and/or to sign up for products and services through this Website. Your complete credit card number will not be shared with any third parties (other than the applicable seller of products or services and/or consumer credit agencies) without your prior informed consent. We do, however, reserve the right, as permitted by law, to share a portion of your credit card number, such as the last four digits, with third parties. If applicable, your credit card information may be provided, as permitted by law, to the applicable seller of products or services for the purposes of fulfilling products and services that you purchased through this Website. When you sign on to this Website, the server automatically recognizes you by your "cookie". This cookie acts as a unique identifier, which allows us to personalize this Website to your specified interests and allows us to keep track of your activity on this Website. This information may be added to your personal profile and used to deliver offers and advertisements that are most relevant to your interests. Furthermore, we retrieve certain information from your browser, including, without limitation, your browser type, platform-dependent information, requested document, referrer URL, date and time of your visit, your account information, purchase transaction detail (from third-party merchants on this Website) and the IP address associated with your transactions in the system. These categories of information, sometimes called "log-file data" or "clickstream data", are used to monitor this Website's performance, analyze traffic patterns and usage and ensure that the Website and the transactions performed through it function properly. This information also may be appended to your personal profile so that we may further tailor this Website to your interests and send offers to you based on such information. Many of our advertisers also utilize third-party cookies to identify you. We and our advertisers also currently use third-party cookies and clear pixel GIFs (also referred to as "web beacons") to measure page views on this Website, our advertisers' websites and responses to e-mails. These devices allow us to identify unique visitors to this Website and your visits to the advertisers' sites, and act as a counter for ongoing monitoring of this Website, e-mail and corresponding future transaction activity related to a specific offer for both us and our advertisers. These commonly used counters collect absolutely no personal information and, as always, this technology is only used to enhance this Website and make it more relevant to your personal interests and to measure the effectiveness of our e-mail and advertising campaigns. Use and Sharing of Information: We may use the registration data that you supply (a) to fulfill your requests for products and services; (b) to address problems with this Website, our or the applicable insurance provider’s business or our or the applicable insurance providers’ products or services, (c) to protect the integrity of the Website and our and the applicable insurance service providers’ businesses, (d) for verification purposes and (e) for marketing purposes. Your contact information also is used to reach you, when necessary. We may transfer and/or sell our user information and/or join together with other businesses to bring selected opportunities to our users. We are able to offer insurance products and/or services to you, in part, based on your willingness to be reached by our third-party advertisers. By allowing us to make the information you supply available to these third parties, you will receive free information on products and services that may be of interest to you. Following the purchase of products or services through this Website, the applicable insurance provider may require that we transfer some or all of the registration data that you supplied to us as part of the registration process. Additionally, we create internal reports on user demographics and traffic patterns for our advertisers and partners. We may include your personal information in our reports. This information allows our third-party advertisers to deliver, and our users to receive, more relevant advertisements. We reserve the right to transfer and/or sell aggregate or group data about users of this Website for lawful purposes. Aggregate or group data is data that describes the demographics, usage or other characteristics of our users as a group without disclosing our users’ personally identifiable information. We also use contact information from your registration data to send you information about us and to keep you informed of our other products and services, and/or those of our affiliates, which may be of interest to you. Please keep in mind, however, that we do not control, and we are not responsible for, the practices of our third-party advertisers. If you wish to stop receiving future e-mail marketing communications from us, please follow the procedures set forth under the heading "Opt-Out/Unsubscribe" below. We provide you with the opportunity to receive special offers, products and/or services from other third-party companies. To receive such offers, products and/or services your personally identifiable information supplied to us during the registration process will be shared with such third-party companies so that they may provide their product or service to you without requiring that you first complete another registration form. By submitting your e-mail address at this Website and/or obtaining insurance products and/or services through this Website, you agree to receive e-mail marketing from us and our third-party advertisers. In addition, you agree that such act constitutes a purchase and/or an inquiry or an application for purposes of the Telemarketing Sales Rule, 16 C.F.R. § 310 et seq., as amended from time to time (the "TSR"). Notwithstanding that your telephone number may be listed on the Federal Trade Commission's or a State's Do-Not-Call List, we retain the right to contact you via telemarketing in accordance with the TSR and applicable States' laws, rules and regulations. Moreover, by registering with, or requesting information from, a third-party advertiser at or through this Website, such action constitutes a purchase and/or an inquiry or an application with the respective third-party advertiser for purposes of the TSR and you may be contacted via e-mail, direct mail and/or telemarketing by such third-party advertiser in accordance with the TSR. We reserve the right to release current or past user information (a) to our service providers to provide business, professional or technical support functions; (b) in the event we reasonably believe that this Website is being or has been used in violation of the Terms and Conditions of this Website or to commit unlawful acts; (c) as necessary if we have reason to believe that such disclosure is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with our rights or property, other users of this Website, or anyone else that could be harmed by such activities (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 as otherwise required by law or (e) if we are sold or acquired, through an asset sale, merger, corporate reorganization or otherwise. Moreover, you hereby consent to disclosure of any record or communication to any third party when we, in our sole discretion, determine the disclosure to be appropriate, as permitted by law, including, without limitation, sharing your e-mail address with other third parties for suppression purposes in compliance with the CAN-SPAM Act of 2003, as amended from time to time. Other Websites: This Website may contain links to other third-party owned and/or operated websites. We are not responsible for the privacy practices or the content of such third-party websites. In some cases, you may be able to make a purchase though one of their third-party websites. In these instances, you may be required to provide certain information, such as a credit card number, to register or complete a transaction at such website. These third-party websites have separate privacy and data collection practices and we have no responsibility or liability relating to such policies or practices. Security: We have taken certain physical, electronic, contractual and managerial steps to safeguard and secure the information we collect from Website visitors. Please note, however, that it is your responsibility to maintain the confidentiality of your password associated with this Website, if any. In addition to using a variety of security technologies and procedures to protect your personal information generally, to the extent your Social Security Number ("SSN") is collected, we also take measures to maintain its confidentiality, to protect it from unlawful disclosure and limit access to it by unauthorized third parties. Specifically, we will not make your SSN available to the general public, print your SSN on any card, require your SSN to access products or services, require you to transmit your SSN on the Internet unless the connection is secure or the SSN is encrypted, or require you to transmit your SSN to access a web site without requiring additional authentication. Minors: Visitors under 18 years of age are not permitted to use and/or submit their personal information at the Website. We do not knowingly solicit or collect information from visitors under the age of 18. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children. We will not be liable for any content or advertisements viewed by minor children in violation of the terms of this Privacy Policy. Opt-Out/Unsubscribe: To stop receiving future e-mail marketing communications from us, please send an e-mail to unsubscribe@ameri-savings.com or write to us at the address set forth at the end of this Privacy Policy requesting that we stop sending future e-mail marketing communications from us. To unsubscribe from the applicable insurer’s communications, you must contact such insurer directly. Changes to this Privacy Policy: We may amend this Privacy Policy from time to time. When we do, we will post the change on this Website. If we change the Privacy Policy in any material way, we will provide appropriate online notice to you. Contact Us: If you have any questions or suggestions regarding this Privacy Policy, you should feel free to contact us or at: Ameri-Savings |
96 Linwood Plaza #398
Fort Lee, NJ 07024-3701
All contents copyright © AmeriSavings, 2008. All rights reserved.