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Privacy Policy

Privacy Policy:

People 4 Smarter Credit ("People 4 Smarter Credit") operates p4sc.org and may operate other websites. It is People 4 Smarter Credit policy to respect your privacy regarding any information we may collect while operating our websites.

Website Visitors

Like most website operators, People 4 Smarter Credit collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. People 4 Smarter Credit purpose in collecting non-personally identifying information is to better understand how People 4 Smarter Credit visitors use its website. From time to time, People 4 Smarter Credit may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

People 4 Smarter Credit also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on p4sc.org blogs/sites. People 4 Smarter Credit only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that commenter IP addresses and email addresses are visible and disclosed to the administrators of the blog/site where the comment was left.

Gathering of Personally-Identifying Information

Certain visitors to People 4 Smarter Credit websites choose to interact with People 4 Smarter Credit in ways that require People 4 Smarter Credit to gather personally-identifying information. The amount and type of information that People 4 Smarter Credit gathers depends on the nature of the interaction. For example, we ask visitors who sign up at p4sc.org to provide a username and email address. Those who engage in transactions with People 4 Smarter Credit are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, People 4 Smarter Credit collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor's interaction with People 4 Smarter Credit. People 4 Smarter Credit does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

Aggregated Statistics

People 4 Smarter Credit may collect statistics about the behavior of visitors to its websites. People 4 Smarter Credit may display this information publicly or provide it to others. However, People 4 Smarter Credit does not disclose personally-identifying information other than as described below.

Protection of Certain Personally-Identifying Information

People 4 Smarter Credit discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on People 4 Smarter Credit behalf or to provide services available at People 4 Smarter Credit websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using People 4 Smarter Credit websites, you consent to the transfer of such information to them. People 4 Smarter Credit will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, People 4 Smarter Credit discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when People 4 Smarter Credit believes in good faith that disclosure is reasonably necessary to protect the property or rights of People 4 Smarter Credit, third parties or the public at large. If you are a registered user of an People 4 Smarter Credit website and have supplied your email address, People 4 Smarter Credit may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what's going on with People 4 Smarter Credit and our products. If you send us a request (for example via email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. People 4 Smarter Credit takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.

Cookies

A cookie is a string of information that a website stores on a visitor's computer, and that the visitor's browser provides to the website each time the visitor returns. People 4 Smarter Credit uses cookies to help People 4 Smarter Credit identify and track visitors, their usage of People 4 Smarter Credit website, and their website access preferences. People 4 Smarter Credit visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using People 4 Smarter Credit websites, with the drawback that certain features of People 4 Smarter Credit websites may not function properly without the aid of cookies.

Business Transfers

If People 4 Smarter Credit, or substantially all of its assets, were acquired, or in the unlikely event that People 4 Smarter Credit goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of People 4 Smarter Credit may continue to use your personal information as set forth in this policy.

Ads

Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by People 4 Smarter Credit and does not cover the use of cookies by any advertisers.

Privacy Policy Changes

Although most changes are likely to be minor, People 4 Smarter Credit may change its Privacy Policy from time to time, and in People 4 Smarter Credit sole discretion. People 4 Smarter Credit encourages visitors to frequently check this page for any changes to its Privacy Policy. If you have a p4sc.org account, you might also receive an alert informing you of these changes. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.