Privacy Policy
1. Our Commitment to Privacy
(1) Credit Cards News Inc. (hereinafter “Credit Cards News”) is committed to controlling the collection, use and disclosure of the personal information provided by its users and/or customers.
(2) Our Privacy Policy is modeled after the Canadian Standards Association Model Code for the Protection of Personal Information and is compliant with federal, provincial and international privacy laws including but not limited to the Personal Information Protection and Electronic Documents Act & General Data Protection Regulation (EU 2016-679). A summary of the ten principles of fair information practices adopted by us will be found at the end of this Privacy Policy.
2. What is Personal Information?
(1) “Personal information” is personally identifiable information such as your name, residential and/or commercial address and e-mail address and includes information about the product, usage, service and recorded complaints.
(2) Personal information is collected by Credit Cards News only when you specifically and knowingly choose to provide it us such as when you subscribe to our website. We may also receive personal information from our business partners and other third parties provided that such third parties confirm to us that they have obtained your consent to the disclosure of your personal information.
(3) Publicly available information, such as a public directory listing of your name, address, telephone number and electronic address, is not considered personal information.
3. Collection and Use of Personal Information
(1) Credit Cards News collects and uses your personal information primarily for the purpose of providing you with the products and services you have requested from us.
(2) Your personal information is used to communicate with you about your account and to provide you with information related to other services. If you indicated that you were interested in receiving offers or information from selected sponsors or advertisers, your personal information would also be used to contact you or to send you e-mail materials and other mailings about products and services that might be of interest to you. You always have the option, however, to tell us not to share your personal information with or to exclude you from offers for other products or services.
(3) Credit Cards News may also contact you from time to time to conduct market research and surveys in an effort to continually improve our product and service offerings.
(4) Unless you specifically authorize us to release your personal information, or release is required or permitted by law, Credit Cards News will not sell, lease or trade your personal information to other third parties.
(5) Anonymous or “non-personal” information gathered by Credit Cards News through our website may be used for technical, research and analytical purposes. Information collected through surveys, existing files and public archives may be used by Credit Cards News to analyze the market and to develop or enhance service offerings.
(6) Credit Cards News will only ask for information about you that we need and will only ask for it when we need it. When we ask you for the information, we will explain to you why we need it and what we are going to do with it.
(7) We will seek your prior consent to the collection, use and disclosure of the information as required by applicable privacy legislation. Subject to legal and contractual requirements, you can refuse to consent to our collection, use or disclosure of information about you. You may also withdraw your consent to any further collection, use or disclosure of information about you at any time by giving us reasonable notice. If our intended disclosures or uses of information change, we will notify you accordingly.
(8) Your personal information will not be used for any other purpose without your consent.
3. Disclosure
(1) To enable us to more efficiently provide the products and services you have requested from us, Credit Cards News may share your personal information with selected third parties who are acting on our behalf as our agents, suppliers or service providers. Such third party service providers are provided only with such information as is necessary in the circumstances. Information provided to third parties may be used only for the purpose stipulated and is subject to strict terms of confidentiality.
4. Use of Cookies
(1) Credit Cards News uses a browser feature called a cookie to collect information anonymously and track user patterns on our website. A cookie is a small text file that is placed on your hard disk by our website
(2) “Cookies” contain a unique identification number that identifies your browser, but not you, to our computers each time you visit our website. Cookies tell us which pages our website are visited and by how many people.
(3) The use of cookies is an industry standard and many major browsers are initially set up to accept them. You can reset your browser to either refuse to accept all cookies or to notify you when you have received a cookie. However, if you refuse to accept cookies, you may not be able to use some of the features available on our website.
(4) Amongst others, we use the following third party cookies on our website:
i) Google Analytics: policies.google.com/privacy
ii) Google Ad Manager: google.com/privacy
iii) Google Adsense: policies.google.com/privacy
iv) Facebook: https://www.facebook.com/policies/cookies/
5. Accuracy
(1) Credit Cards News will try to ensure that information provided to you is accurate, complete and up-to-date. However, please inform Credit Cards News to whom you provided your information of any change of name, address or other information. In the event you have questions about the accuracy of factual information we have collected about you, you will have access to that information in order to verify and update it. If we have disclosed inaccurate information about you to a third party, we will be pleased to contact the third party in order to correct the information.
Security
(1) Credit Cards News is committed to protecting your privacy. Security measures, such as locked filing cabinets, restricted access and the use of passwords and encryption have been adopted to protect your personal information against loss or theft, as well as unauthorized access, disclosure, copying, use or modification. Our employees have been trained to respect your privacy at all times and those employees with access to your personal information shall use your personal information strictly in accordance with our Privacy Policy and the laws applicable to each specific business.
6. Telephone Consumer Protection Act
(1)We may seek your consent to receive telemarketing calls from us and/or marketing partners in accordance with the rules under the Telephone Consumer Protection Act (“TCPA”). If you provide your express consent via your electronic signature for TCPA purposes, even if your mobile or landline telephone number is listed on a Do-Not-Call Registry, you expressly consent to; (a) receive telemarketing calls, text (SMS) messages, and any other means of communication that your wireless device may be capable of receiving (e.g. mms, video etc. ) from the persons named in the consent (including through the use of automated dialing equipment); and (b) receive future information about products and services from us, our marketing partners, Affiliates and other third parties to whom we may provide your Information via other means such as email. You may revoke your consent to be contacted in this manner by any reasonable means at any time (see the Opting-Out section below). Merely accessing our site without providing your express written consent for TCPA purposes does not constitute your consent to receive telemarketing calls.
(2) By agreeing to this Policy, you are obligated to immediately inform us if the telephone number that you provided us changes. If you: (a) have your telephone number reassigned to another person; (b) give up your telephone number; (c) port your telephone number to a landline or vice versa; or (d) otherwise stop using that telephone number, you agree to promptly contact us. Users may revoke their consent to receive telemarketing calls from us and/or the persons named in the consent by contacting us and indicating that do not want to receive any further telemarketing from us or the persons named in the consent.
7. Opting-Out.
(1) Users may opt-out from receiving future offers from us including have their email address removed – unsubscribed – from email marketing lists by following the Opt-Out instructions contained in the marketing communication or by contacting us. If you receive offers or other communications from our third-party marketing partners and would like to opt-out from future communications from them, you must contact them directly. A third party’s use of Information is subject to their privacy policy and we have no control or responsibility over their use.
(2) Users may opt out from the collection of online viewing data for behavioral advertising purposes by companies who have elected to participate in one of the behavioral advertising opt-out mechanisms such as the Digital Adverting Alliance’s opt-out program located at http://www.aboutads.info/choices or the Network Advertising Initiative at http://www.networkadvertising.org/managing/opt_out.asp. As is the case with most websites, we have currently elected to not participate in any of these programs or alter our behavior when a user to one of our Websites has activated the “do-not-track” setting on their browser (see, “Browser “Do Not Track” Signals,” described below). Users may also opt out from the same type of data collection performed by Trade Desk, Inc., one of our marketing partners, by contacting us.
8. Limitation of Liability
(1) Credit Cards News takes no responsibility for the accuracy or validity of any claims or statements contained in the information, or related graphics of this site. Further, Credit Cards News makes no representations whatsoever about the suitability of any of the information contained in the information or graphics on this site for any purpose as well as with the information provided to third parties as per the present privacy policy All such information and related graphics are provided without warranty of any kind. Credit Cards News makes no representations whatsoever about any other web site which you may access through this site. When you access a non-Credit Cards News web site, you understand and acknowledge that it is independent of other websites and that Credit Cards News has no control over the content on any other websites. In addition, a link to a non-Credit Cards News Web site does not mean that Credit Cards News. endorses or accepts any responsibility for the content, or the use, of such Web site as well as the information provided to these third parties through Credit Cards News. It is your responsibility to take precautions to ensure that whatever you select for your use by you is free of such items such as viruses, worms, trojan horses and other items of a destructive nature. IN NO EVENT WILL Credit Cards News BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THE INFORMATION AVAILABLE OR REFERRED TO ON THIS SITE.
9. Access
(1) If you have any questions about the collection, use or disclosure of your personal information or if you simply want to know whether we have any of your personal information on file, you may contact our Privacy Compliance Officer. Except in limited circumstances, as specifically provided by applicable privacy legislation, Credit Cards News can tell you whether they hold personal information about you. They can tell you the source of the information, allow you access to your personal information and find an account of the use that has been made or is being made of the information and the third parties to which it has been disclosed.
(2) Credit Cards News will only refuse access to information about you in those circumstances permitted or required by applicable privacy legislation. If Credit Cards News refuses access to you, it will provide you with the reasons for its refusal upon request. Exceptions may include information that contains references to other individuals, information that cannot be disclosed for legal, security or commercial proprietary reasons, and information that is subject to solicitor-client or litigation privilege. Credit Cards News will respond to your requests for access in accordance with applicable privacy legislation.
10. Questions or Concerns
(1) If you have any questions or concerns about the personal information about you held by Credit Cards News or about the compliance by Credit Cards News with our Privacy Policy, please contact our Privacy Compliance Officer. Contact information for our Privacy Compliance Officer may be found on our website or by contacting Credit Cards News. Credit Cards News has procedures in place to receive and respond to complaints or inquiries about its handling of personal information. They will describe the complaint procedures to anyone who makes inquiries or lodges complaints.
(2) If you are not satisfied with the response from our Privacy Compliance Officer after making a complaint, you may have recourse to additional remedies under applicable privacy legislation. For further information, please contact the federal Privacy Commissioner or your provincial Privacy Commissioner, as applicable. Contact information is available on our website or by contacting Credit Cards News.
11. Ten Principles of Fair Information Practices
(1) Accountability. Credit Cards News is responsible for the personal information under its control and shall designate one or more individuals who shall be accountable for the company’s compliance with the procedures and principles set out in our Privacy Policy.
(2) Identifying Purpose. Credit Cards News will identify the purpose for which personal information is collected at or before the time the information is collected. The purposes for which information is collected, used or disclosed by Credit Cards News must be those that a reasonable person would consider are appropriate in the circumstances.
(3) Consent. The knowledge and consent of the individual are required for the collection, use or disclosure of personal information, except where consent is not required by privacy legislation as, for example, where the collection, use or disclosure of personal information is solely for journalistic, artistic or literary purposes.
(4) Limiting Collection. Credit Cards News shall limit the collection of personal information to that which is necessary for the purposes identified by the company. Personal information shall be collected by fair and lawful means.
(5) Limiting Use, Disclosure and Retention. Personal information shall not be used or disclosed for purposes other than those for which it was collected, except with the consent of the individual or as required by law. Personal information shall be retained only as long as necessary for the fulfillment of the purposes for which it was collected.
(6) Accuracy. Personal information shall be as accurate, complete and up-to-date as is necessary for the purposes for which it is to be used.
(7) Safeguards. Personal information shall be protected by security safeguards appropriate to the sensitivity of the information.
(8) Openness. Credit Cards News shall make readily available to its customers and employees specific information about its policies and practices relating to the management of personal information.
(9) Individual Access. Upon request, an individual shall be informed of the existence, use and disclosure of his or her personal information and shall be given access to that information except where Credit Cards News is permitted or required by law not to disclose personal information to the individual customer or employee. An individual customer or employee shall be able to challenge the accuracy and completeness of the information disclosed to him or her and have it amended as appropriate.
(10) Challenging Compliance. An individual customer or employee shall be able to address a challenge concerning compliance with the principles in our Privacy Policy to his or her designated Privacy Compliance Officer.