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Privacy

Credit-TimeUSA values the privacy of those who visit our Web site and purchase our services online. We think it is important for you to understand when and why we collect personally identifiable information and how we may use it. This Privacy Policy describes Credit-TimeUSA data collection and use policies. Please read the entire Privacy Policy before providing any personally identifiable information to us.

Notice

In general, you can visit Credit-TimeUSA's Web pages without telling us who you are or revealing any Personal Information about yourself. Credit-TimeUSA collects personally identifiable information, such as your name, address, telephone number, or e-mail address, only if you provide this information to us voluntarily. The voluntary information we collect is used for internal verification to complete transactions, ensure appropriate legal use of our products and licensed Credit-TimeUSA software, and to help provide technical and product support to our users.

Credit-TimeUSA may also use your name, address, and e-mail to send you marketing materials, user conference information, and newsletters unless you notify us that you do not want to receive these materials. Occasionally, Credit-TimeUSA may use the services of bonded mailing houses that are authorized to use your personally identifiable data only for the benefit of Credit-TimeUSA and its Affiliates.

While browsing the Credit-TimeUSA Web site, you may be able to access the Web sites of third parties through a hyperlink. Credit-TimeUSA assumes no responsibility for the privacy practices at such third party Web sites and suggests you review the privacy statements/policies on such Web sites before sharing your personally identifiable data.

Collection

Certain information, such as the Internet protocol address of your computer, may be stored through the use of "cookies" intended to speed access to Credit-TimeUSA information and services. A cookie is a short piece of data that can be used to tell us when you visit our Web sites and track your browsing habits. Credit-TimeUSA does not use cookies to store information such as credit card numbers, telephone numbers, or other sensitive information. A cookie is not an executable program and cannot do anything to your machine. To maintain your privacy, you can disable your browser's ability to accept cookies.

During the installation process for certain Credit-TimeUSA software, information may be placed on your hard drive. This is done to enable the proper functioning of the software and ensure it is used only when properly licensed. Certain Credit-TimeUSA sites and software installation may require registration to gain access to special services, license keys, or other features. This information will be used to provide support and deliver specialized services.

Credit-TimeUSA also collects personally identifiable information you provide when you order and register its line of products, supporting software, data, or services; order newsletters; register for training or conferences; or make requests that require a direct response to you.

Choice

Credit-TimeUSA will contact you or send you marketing information about products, software or services unless you notify Credit-TimeUSA that you do not wish to receive it. You may notify us by sending an e-mail to info@passtimeusa.com as indicated below. Keep in mind, however, that you may not receive information on the Credit-TimeUSA products and software or other valuable information as a result of your election to be removed from mailing lists.

Other than as described in this Privacy Policy, Credit-TimeUSA will not disclose your personally identifiable information unless required to do so by law or in the good faith belief that such action is necessary to (1) conform to the edicts of the law, (2) protect and defend the rights or property of Credit-TimeUSA, or (3) as part of a transfer of assets to a successor in interest.

Except as stated herein, Credit-TimeUSA's corporate policy is not to rent, sell, or otherwise permit access by third parties to databases composed of your personally identifiable information.

Access

Credit-TimeUSA will permit you to access information about you in our database by contacting info@passtimeusa.com. If you believe any of the information is incorrect or needs updating, please advise us. We will correct our records upon verification of the requested change. If you no longer wish to receive e-mail or postal notifications about software, services, or special promotions, please let us know by sending an e-mail to us at info@passtimeusa.com and specifying that you do not want to receive these notifications. Please provide us with your exact name and address as well as a description of the publication or mail piece you received. We will use reasonable efforts to refrain from including you when sending marketing materials to Credit-TimeUSA clients by noting your election in our database.

Security

Credit-TimeUSA will take reasonable and prudent precautions to ensure that your personally identifiable data is protected against unauthorized access, use, or disclosure.

Enforcement

If you believe for any reason that Credit-TimeUSA has not followed these principles, please contact us at info@passtimeusa.com and Credit-TimeUSA will act promptly to investigate, correct as appropriate, and advise you of the correction. Please identify the issue as a Privacy Policy concern in your communication to Credit-TimeUSA.

Your Consent

By using this Web site, you consent to the terms of our Online Privacy Policy and to Credit-TimeUSA's processing of Personal Information for the purposes given above as well as those explained where Credit-TimeUSA collects Personal Information on the Web. Should the Online Privacy Policy change, we intend to take every reasonable step to ensure that these changes are brought to your attention by posting all changes prominently on our web site for a reasonable period of time.