Privacy Policy

Last Updated: May 15, 2020
  1. Introduction

    You are visiting a website owned and operated by EPCVIP PR, LLC. EPCVIP PR, LLC and its subsidiaries (collectively, “EPCVIP PR”, “us”, “we”, or “our”) are committed to maintaining your confidence and trust as it relates to the privacy and usage of your information. Please read the following information carefully as it details how we collect, protect, share, and use your information. This Privacy Policy applies to anyone who visits out website (www.creditbracket.com), or uses our browser extension.

    This Agreement also applies to your use of any goods, facilities or services offered through the Websites (collectively “Services”), regardless of how they are accessed. If you do not agree with our Privacy Policy and practices regarding how EPCVIP PR handles your personal information, you should not use our Website. Accessing or using this Website signifies and confirms your acceptance of the terms set forth in this Privacy Policy. This Privacy Policy may change from time to time in our sole discretion. Accordingly, you should visit this Website and review the Privacy Policy periodically to determine if any changes have been made. The date on which this Privacy Policy was last updated will be noted immediately above this Privacy Policy.

  2. Information We Collect

    Personally Identifiable Information. In the course of using this Website, we collect information that could identify you such as your name, email address, mailing address, phone number, date of birth, and information related to your credit. If you download and use our browser extension, we may collect browsing, product and e-commerce information, including but limited to product pages viewed, pricing information, location data, purchase history on various merchant websites and services, the prices you paid for items, and whether a purchase was made as well as financial information obtained from your credit report.

    Other Information. We also collect other information that is not used to identify you, including, but not limited to, browser type, internet protocol (IP) address, device type, date and time stamp of visit, demographic data, and data about your online activity. We use cookies or similar technology to collect such information for advertising and other purposes.

  3. How We Collect Information

    Information Provided by You. We collect personal information that you voluntarily provide when you enter it or otherwise provide it in connection with an inquiry into our Services. This information could be provided via an online phone, over the phone, electronic communication, or via other means in which you interact with our Services.

    Information from Service Providers. Information may be collected from third-party service providers, such as credit bureaus and service providers who may have data on your financial profile, or other demographic information.

    Information from Cookies and Other Tracking Technologies. We use cookies, web beacons, and similar technologies to record your preferences, track the use of our Website and collect information. This information may include IP addresses, browser type, internet service provider (ISP), referring pages, operating system, date and time stamp of visit, and/or click data.

    When You Use Our Browser Extension. We may automatically record certain information from your device by using various types of technology, including “clear gifs” or “web beacons”. This automatically collected information may include your IP address or other device address or ID, web browser and/or device type, web pages or sites that you visit, order information, the content you view or interact with on our Services, and the dates and times that you visit, access, or use our Services. This information is gathered from all users, and may be connected with other information we have about you. We may obtain information from third parties and sources, such as our partners, affiliates, and advertisers. This information may include, but is not limited to, order references and credit history.

  4. How We Use Your Information

    Website Interaction. We use the information that we collect about you through your interaction with this Website as well as information that you voluntarily provide to us. We may use collected information to (i) deliver the products and services you requested, (ii) personalize your user experience; (iii) communicate with you about products or services that may be of interest to you; (iv) to communicate with you via mail, email, telephone, text message/SMS, or otherwise even if your number appears on a do-not-call list or other similar registry; (v) for business purposes, such as analytics, research, advertising and marketing, and operational purposes; (vi) improve our Website; (vii) improve customer service; (viii) to comply with law enforcement and maintain the security of our Website; (ix) to share with trusted parties who are contractually obligated to keep such information confidential and to use it only to provide the services we have asked them to perform; and (ix) to perform any other functions otherwise disclosed when you provide us with your information.

    Browser Extension. We may use browser data we have collected, if browser extension is downloaded, for a variety of additional reasons. For example, we may use this type of data to (i) understand and analyze the usage trends and preferences of our users; (ii) improve CreditBracket.com and to develop new products, services, features, and functionality; (iii) provide customized advertisements, content and information; (iv) monitor and analyze the effectiveness of CreditBracket.com and third-party marketing activities; and (v) track your purchase history, product page views to present offerings that may be of interest to you.

  5. How Do We Share Your Information

    Consent to Receive Communication. By voluntarily providing and submitting your information on our form or otherwise using our website, you opt-in to receive communications from us and third parties that provide services on our behalf, such as website hosting partners, text message/SMS service providers, email marketing service providers, or other parties who assist us in operating our Website, conducting our business, or serving our users.

    Consent to Share Your Information. In submitting an inquiry or using the services provided through our Website, you agree that EPCVIP PR may share your information about you or provided by you with alternative credit bureaus and other third parties which provide services to our users (collectively, Network Partners”) to deliver the products and services you requested. These Network Partners include traditional credit bureaus such as Equifax, Experian, or TransUnion, or alternative credit bureaus such a VantageScore.

    Other Situations We Share Your Information. We may also be required to share your information (i) pursuant to a subpoena, court order, legal process, and/or government or regulatory request, (ii) when we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing, to protect and defend the rights, property, or safety of our Business, our users, or our employees, or to enforce our Website’s terms and conditions or other agreements of policies; (iii) as part of a sale, merger or acquisition, or other transfer of all or part of our assets including as part of a bankruptcy proceeding; (vi) with third parties that is not personally identifying, such as aggregated or anonymized data, in our discretion, where not prohibited by law.

  6. Advertising and Analytics

    We may partner with advertiser networks and other advertiser service providers (collectively, “Advertising Providers”) that serve ads on our behalf and others on non-affiliated platforms. Some of those ads may be personalized, meaning that they are intended to be relevant to you based on information Advertising Providers collect about your use of our website and other sites or apps over time, including information about relationships among different browsers and devices.

    We may also work with third parties that collect information about your use of our website and other websites over time for non-advertising purposes. We use Google Analytics and other third-party services to improve the performance of the Website and for analytics and marketing purposes.

  7. How We Protect Your Information

    By accessing and navigating through this Website, you hereby acknowledge and agree that EPCVIP PR may retain your information indefinitely. Please note that any transmission of personal information is at your own risk.

    Our Commitment to Online Security. We use generally accepted industry standards to protect the security of your personal information and encrypt sensitive. Although we strive to provide accepted industry standard security measures for your personal information that we process and maintain, we cannot guarantee the security of your personal information transmitted to and through this Website.

    No Liability for Acts of Third Parties. We will exercise all reasonable efforts to safeguard the confidentiality of your personal information. However, transmissions protected by generally accepted industry standard security technology and implemented by human beings cannot be made absolutely secure. Consequently, EPCVIP PR shall not be liable for unauthorized disclosure of personal information due to no fault of EPCVIP PR including, but not limited to, errors in transmission and unauthorized acts of third parties.

  8. Third-Party Links

    This Website may contain links to third-party websites, which may have independent privacy policies that differ from our own. We are not responsible, nor do we endorse, any of the activities and practices that take place on third-party websites. Accordingly, we recommend that you review the privacy policy posted on any third-party website thoroughly before disclosing any personal information.

  9. Consent to Communicate

    When you submit your personal information on this Website, you are providing your express consent to be contacted via email, telephone, postal mail or text message/SMS communication. If you wish to opt-out from us sharing your information for marketing communications, please submit your request to info@creditbracket.com. You may also exercise your opt-out request through physical mail at: EPCVIP PR, LLC, 15 Second St, Millennium Park Plaza, Ste 414, Guaynabo, PR, 00968

  10. Modifications or Amendments

    From time to time, we may change this Privacy Policy to accommodate new technologies, industry practices, regulatory requirements or for other purposes. We will provide notice to you if these changes are material on this Website, and where required by applicable law, we will obtain your consent. For your information, the date this Policy was last updated is listed at the top of this page. Your continued use of this Website after any such changes have been made signifies and confirms your acceptance of any changes or amendments to this Privacy Policy.

  11. Children Under the Age of 18

    This Website is not intended for children under eighteen (18) years of age. No one under 18 years of age may access or provide any information on this Website. We do not knowingly collect personal information from children under 18 years of age.

  12. California Disclosures

    California Law requires us to provide certain disclosures to users of this Website.

    Shine the Light Disclosure. Civil Code Section 1798.83 permits California residents that use this Website to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us at info@creditbracket.com. Please note that this section does not prohibit disclosure made for non-marketing purposes.

    Do Not Track Disclosures. Business and Professions Code Section 22575(b) requires websites to disclose their practices with respect to the use of tracking technology made by third parties and whether this Website honors web browser do-not-track signals. No third parties are able to collect personally identifiable information you provide on this Website. At this time, EPCVIP PR does not respond to do-not-track browser settings or signals.

  13. Contact Us

    If you have any questions or comments regarding this Privacy Policy or our practices, please reach out to us:

    EPCVIP PR, LLC
    15 Second St., Millennium Park Plaza, Ste 414
    Guaynabo, PR 00968
    (787) 330-0330
    info@creditbracket.com