Learn Credit Now Everything You’ll Ever Need To Know About Credit

1. Optional information users provide through voluntary submissions, including, but not limited to, participation in our message boards, forums, polls, and surveys.
2. LearnCreditNow.com collects information through aggregated tracking data derived mainly by tallying page views throughout our sites. This information allows us to better tailor our content to readers’ needs and to help our advertisers and sponsors better understand the demographics of our audience. Because LearnCreditNow.com derives its revenue mainly from sponsorships and advertising, providing such aggregated demographic data is essential to keeping our service free to users. Under no circumstances does LearnCreditNow.com divulge any information about an individual user to a third party.

1. Polling
   LearnCreditNow.com may offer interactive polls to users so they can easily share their opinions with other users and see what our audience thinks about important issues. Opinions or responses to polls are aggregated and are not identifiable to any particular user. We may use a system to “tag” users after they have voted, so they can vote only once on a particular question. This tag is not correlated with information about individual users.
2. Surveys
   LearnCreditNow.com may occasionally conduct user surveys to better target our content to our audience. We sometimes share the aggregated demographic information in these surveys with our sponsors, advertisers, and partners. We never share any information about specific individuals with third parties.

LearnCreditNow.com tracks user traffic patterns throughout all of our sites. However, we do not correlate this information with data about individual users. From the browser string (information contained in every user’s browser), LearnCreditNow.com does break down overall usage statistics according to a user’s domain name, browser type, and MIME type. The terms users enter in our search function are sometimes tracked and cataloged, but this tracking is never associated with individual users.

Cookies

LearnCreditNow.com may place a text file called a “cookie” in your computer’s browser files. Cookies cannot read data off your hard disk or cookie files created by other sites. The only personal information a cookie contains is information you have supplied. Cookies enable us to relate your use of this site to information you have specifically and knowingly provided. Our advertising system delivers a one-time cookie to better track ad impressions and click rates.

You can refuse cookies by turning them off in your browser. If you have set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. Cookies do not need to be turned on to use this site. However, you do need cookies to participate actively in message boards, forums, polls, and surveys.

Use of Information

LearnCreditNow.com uses any information voluntarily given by our users to enhance their experience in our network of sites, whether to provide interactive or personalized elements on the sites, or to better prepare future content based on the interests of our users. As stated above, we use information that users voluntarily provide and to enable users to participate in polls, surveys, message boards, and forums.

Tracking information is used to determine which areas of our sites users like and do not like based on traffic to those areas. We do not track what individual users read, but rather how well each page performs overall. This helps us continue to build a better service for you. We track search terms entered in search function as one of many measures of what interests our users, but we do not track which terms a particular user enters.

LearnCreditNow.com creates aggregate reports on user demographics and traffic patterns for advertisers, sponsors, and partners. This allows our advertisers to advertise more effectively, and permits our users to receive advertisements that are pertinent to their needs. Because we do not track the usage patterns of individual users, an advertiser or sponsor will never know that a specific user clicked their ad.

Sharing of Information

LearnCreditNow.com uses the above-described information to tailor our content to suit your needs and help our advertisers better understand our audience’s demographics. This is essential to keeping our service free. We will not disclose any information about individual users with any third party, except to comply with applicable law or valid legal process, or to protect the personal safety of our users or the public.

Security

LearnCreditNow.com operates secure data networks protected by industry standard firewall and password protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our customers.

Your Consent

By using this site, you consent to the collection and use of this information by LearnCreditNow.com. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.