CreditIQ Consumer Privacy

Thank you for visiting the CreditIQ website located at www.CreditIQ.com (the “Site”, “CreditIQ, INC.,” “Company”, “we,” “our” or “us”). CreditIQ, INC. is committed to protecting the privacy of our visitors’ personally identifiable information (“PII”). To better inform you of our privacy practices, we provide this Privacy Policy (“Privacy Policy”), explaining our online information practices and the choices that you can make regarding the way that your PII is used by us. You agree to this Privacy Policy, in its entirety, when you: (i) access or use our Site; (ii) register as an interactive member on the Site (“Commenter”); (iii) register for our services via a coregistration on another website; and/or (iv) register as a content producer on the Site (“Contributor”). If you do not agree to this Privacy Policy in its entirety, you are not authorized to use the Site in any manner or form whatsoever.

Telemarketing Consent:

By signing up for our services on this site or via another site (“Coregistration”), you consent to receive autodialed and/or pre-recorded telemarketing calls from or on behalf of Company, and specific marketers that will be identified prior to your completion of any web form in regards to the number you provided. Please see complete information in the section labeled Use and Sharing of PII below.

Email Consent:

By signing up for our services on this site or via another site (“Coregistration”), you consent to receive email from or on behalf of Company, and specific marketers that will be identified prior to your completion of any web form in regards to the number you provided. Please see complete information in the section labeled Use and Sharing of PII below. If you no longer wish to receive a particular email newsletter or other promotion from Company, you must follow the opt-out instructions included in such email newsletters, and promotions.  In the event Company sends promotional emails to you on behalf of third-party advertisers and you informCompany you wish to opt out of future promotional emails from a particular third party,Company may share your email address with that third party so the third party may add you to its opt-out lists.

Personally Identifiable Information:

We collect PII when you register or sign up for PII includes any information that can be used to identify or locate a particular person or entity. The information that we may request may include, but is not limited to, your:

    • Name
    • Postal address
    • E-mail address
    • Telephone number
    • Cellular telephone number
    • Facsimile number
    • Payment information (e.g. credit card numbers and billing addresses), if purchases or payments are made
    • Banking information
    • Social Security number
    • Date of birth
    • Age except with any offer of credit
    • Gender except with any offer of credit
    • Other demographic information (e.g. occupation, income range)
    • IP Address
    • Other technical information collected by the Site’s servers.


We may also collect your PII when you otherwise agree to the terms of this Privacy Policy, but do not complete the applicable registration.

Non-Personally Identifiable Information:

We may collect certain Non-Personally Identifiable Information (“Non-PII”) about you when you visit any of the Site’s pages, such as the type of browser you are using (e.g., Internet Explorer), the type of operating system you are using, (e.g., Windows) and the domain name of your Internet service provider (e.g., Yahoo). We use the Non-PII that we collect to improve the design and content of the Site and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze Site usage.


When a user visits the Site, we may send one (1) or more cookies and/or gif files (collectively, “Cookies”) to assign an anonymous, unique identifier to the applicable user’s computer or other device. A Cookie is a piece of data stored on your hard drive containing non-personally identifiable information about you. Cookies have many benefits to enhance your experience at the Site. To find out more about Cookies, please visit www.cookiecentral.com. We use Cookies to improve the quality of the Site, including for storing user preferences, improving ad selection and tracking Site-user trends (such as pages opened and length of stay at the Site).

Most Internet browsers are initially set up to accept Cookies, but you can reset your browser to refuse all Cookies or to indicate when a cookie is being sent. To disable and reject certain Cookies, follow the instructions associated with your Internet browser. Even in the case where a user rejects a Cookie, he or she may still use the Site; provided, however, that certain functions of the Site and/or Promotions may be impaired or rendered inoperable if the use of Cookies is disabled. We reserve the right to retain Cookie data indefinitely.

CreditIQ may use third party analytics services like Crazy Egg’s Analysis Service or FullStory, which provide us with a clearer picture of how you use the Websites, such as where you click on the Websites, non-sensitive text entered into the Websites, and mouse movements.

Use and Sharing of PII:

We use the PII that you supply to personalize your experience with the Site. The PII that you submit to creditiq.com remains your property, but by submitting that PII to CreditIQ, INC. you grant CreditIQ, INC. the right, subject to applicable state and federal law, to use that PII for marketing purposes.

We will share your email address with trusted third parties. These third parties will use best commercial efforts to safe guard your email address and communicate with you through the adherese of state and federal laws in regards to special, promotion, third party offers, etc. We will contact you via email, phone, or SMS from CreditIQ, INC. with relevant information and special opportunities, including our newsletters. With regard to other PII besides your email address, we reserve the right to share, sell, rent or lease such PII with/to any third-party for any and all uses permitted by this Privacy Policy and applicable law. These third-parties may include, but shall not be limited to: (a) providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; (b) telemarketers (where permitted by applicable law); and (d) direct marketers.

You also agree that we may contact you at any time with updates and/or any other information that we may deem appropriate for you to receive in connection with your continued use of the Site and/or Promotions.

CreditIQ, INC. is able to offer its Services to you, in part, based on your willingness to be reached by our third-party advertisers, marketers and (but not limited to) financial service providers/institutions. Your PII will be shared with advertisers on an aggregate and non-aggregate basis. Please keep in mind that we are not in control, and are not responsible for, the practices of our third-party advertisers. If you wish to stop receiving future communications from us and/or third party advertisers, or if you wish to prevent the transfer and/or sale of your PII to third parties (subject to restrictions contained in applicable state and federal law), please see the Opting-Out/Unsubscribe section below.

Notwithstanding anything to the contrary in this Privacy Policy, CreditIQ, INC. reserves the right to release current or past PII: (i) in the event that we believe that the Site is being or has been used in violation of the CreditIQ Terms and Conditions, or to otherwise commit unlawful acts; (ii) if the information is subpoenaed; provided, however, that, where permitted by applicable law, we shall provide you with e-mail notice, and opportunity to challenge the subpoena, prior to disclosure of any PII pursuant to a subpoena; or (iii) CreditIQ, INC. is sold, merged or acquired; provided, however, that if CreditIQ, INC. is involved in a merger, acquisition or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on the Site of any change in ownership or uses of your PII, as well as any choices that you may have regarding your PII.

Third Party Links:

The Site may contain links to third-party websites (“Third Party Websites”). Please be aware that CreditIQ, INC. is not responsible for the privacy practices of Third Party Websites. We encourage you to be aware when you leave the Site and to read the privacy policies of each and every website that collects PII. This Privacy Policy applies solely to information collected by the Site.


All collected information is stored in a technically and physically secure environment. We take precautions to protect PII both online and off-line. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your PII, we cannot ensure or warrant the security of any information that you transmit to us, and you do so at your own risk.

Once we receive your transmission, we make reasonable efforts to ensure its security on our systems. All of our users’ information, not just PII, is restricted in our offices. Only employees who need the information to perform a specific job are granted access to PII. Furthermore, access to this information is strictly limited, and not accessible to the public. Our employees are dedicated to ensuring the security and privacy of all user information. Employees not adhering to our firm policies are subject to disciplinary action. Please note that any attempt to breach the security of the network, our servers, databases or other hardware or software supporting the Site or other websites under the control of CreditIQ, INC. constitutes a crime punishable by law. We will turn over to authorities, any and all evidence relating to a potential breach of security or other abuse against the network, servers, databases or other such supporting equipment or software. In compliance with applicable federal and state laws, we shall notify you in the event that we learn of an information security breach with respect to your PII. You will be notified via e-mail in the event of such a breach. Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures.

Collection of information from Minors:

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 never knowingly collect any personal information from individuals under eighteen (18) years of age. If we obtain actual knowledge that it has collected personal information of a minor, that information will be immediately deleted from our database.


To opt-out of having your PII shared with third parties, please contact us at 43 W 23rd St, New York, NY 10010. To opt-out of receiving e-mail advertising, SMS text-based marketing (where and to the extent permitted by applicable law), telemarketing and direct mail marketing from us, you can follow the instructions at the end of the applicable marketing message or contact us at 43 W 23rd St, New York, NY 10010.

Notwithstanding the foregoing, we may continue to contact you for the purpose of communicating information relating to your use of the Site, as well as to respond to any inquiry or request made by you. To opt-out of receiving Site-related, Promotions-related and/or inquiry response-related messages from us, you must cease using the Site and/or Promotions and cease submitting inquiries to CreditIQ, as applicable.

Changes to this Privacy Policy.

CreditIQ, INC. reserves the right to revise and update this Privacy Policy at any time. Any such revisions will be effective on the date of posting to the Site, and will apply to all information collected by Total Contact Solutions both prior to and following the effective date. Your use of the Site following any such revisions will be deemed your acceptance of such revisions. Users should periodically visit this page to review the current policies with regard to Information.

Your California Privacy Rights.

Beginning on January 1, 2005, California Civil Code Section 1798.83 permits customers of CreditIQ who are California residents to request certain information regarding CreditIQ disclosure of personal information for their direct marketing purposes. To make such a request, please write to: CreditIQ, INC. 43 W 23rd St, New York, NY 10010. Within thirty days of receiving such a request, we will provide a list of the categories of personal information disclosed to third parties for third-party direct marketing purposes during the immediately preceding calendar year, along with the names and addresses of these third parties. This request may be made no more than once per calendar year. We reserve our right not to respond to requests submitted other than to the address specified in this paragraph.

Many browsers including Internet Explorer, Firefox, and Google Chrome contain a “do not track” optional setting. In general, when a “do not track” setting is active, the user’s browser notifies websites that the user does not want the user’s personally identifiable information about an individual consumer’s online activities tracked over time and across different Web sites or online services. Websites are not required to honor a do not track request and as required by amendments to the California Shine the Light law, we are informing you that we do not honor such requests.

Arbitration Agreement.

Please read this Arbitration Agreement (the “Agreement”) carefully. THIS AGREEMENT STARTS WHEN YOU ACCEPT. You accept when you do any of the following things after an opportunity to review this agreement: give us a written or electronic signature; tell us orally or electronically that you accept; submit information to us on our website. This Agreement affects your legal rights and remedies and provides that disputes between you and CreditIQ, INC. (the “Company”), must be resolved through binding arbitration rather than in a court.

Resolution Of Claims or Disputes.

We strive to make you a happy customer and most customer concerns can be resolved quickly and to the customer’s satisfaction by email our customer service department. If, however, there is an issue that needs to be resolved, this Agreement describes how both of us will proceed. Any claim or dispute between you and CreditIQ, INC. (or any of Company’s subsidiaries or affiliates) arising out of or relating in any way to the product or this Agreement shall be resolved through final, binding arbitration. This obligation applies regardless of whether the claim or dispute involves a tort, fraud, breach of contract, misrepresentation, product liability, negligence, violation of a statute, or any other legal theory. Included are all claims arising out of or relating to any aspect of our relationship; claims that may arise after the termination of this Agreement; and claims related to direct marketing efforts, including complaints concerning unsolicited text messages, emails, and telemarketing calls.

Limitation of Legal Remedies.

We each agree that each of us may bring claims against the other only in an individual capacity and not in a class action or representative proceeding. All arbitrations under this Agreement shall be conducted on an individual (and not a class-wide) basis, and an arbitrator shall have no authority to award class-wide relief. You acknowledge and agree that this Agreement specifically prohibits you from commencing arbitration proceedings as a representative of others or joining in any arbitration proceedings brought by any other person.

Arbitration Procedures.

A party who intends to seek arbitration must first send to the other a written Notice of Dispute describing the nature and basis of the claim or dispute and setting forth the specific relief sought. All Notices to CreditIQ, INC. shall be sent to the following address: CreditIQ, INC., 43 W 23rd St, New York, NY 10010. Upon receipt of such Notice, the other party shall have a thirty-day period in which it may satisfy the claim against it by fully curing the dispute and/or providing all the relief requested in the Notice. After the expiration of such thirty-day cure period, you or CreditIQ, INC. may commence an arbitration proceeding. The arbitration of any claim or dispute under this Agreement shall be conducted pursuant to the American Arbitration Association’s (“AAA”) United States Commercial Dispute Resolution Procedures and Supplementary Procedures for Consumer-Related Disputes. These rules and procedures are available by calling the AAA or by visiting its web site at www.adr.org. The arbitration of any claim or dispute under this Agreement shall be conducted in the State of Florida or in the location in which you received this Agreement or in your home state. For any non-frivolous claim that does not exceed $25,000, CreditIQ, INC. will pay all costs of the arbitration and will agree to conduct the arbitration through the AAA offices in your home state. For any claim under $10,000, CreditIQ, INC. further agrees that any hearings may be held by telephone and that CreditIQ, INC. will not seek attorney’s fees in the event CreditIQ, INC. prevails. You acknowledge and agree that each party shall pay the fees and costs of its own counsel, experts and witnesses.

Choice of Law.

This Agreement concerns a transaction in interstate commerce, and therefore shall be governed by the United States Federal Arbitration Act, 9 U.S.C. § 1 et seq.


If any provision of this Agreement is declared or found to be unlawful, unenforceable or void, such provision will be ineffective only to the extent that it is found unlawful, unenforceable or void, and the remainder of the provision and all other provisions shall remain fully enforceable.

Contact Us:

If you have any questions regarding this Privacy Policy, or would like more information regarding our privacy practices, please contact us by postal mail at: CreditIQ, INC., 43 W 23rd St, New York, NY 10010..