Last updated on September 2, 2026.
Introduction
We deliver content to you via our Website and email, along with our affiliated companies. Additionally, we operate a marketing and data business that connects advertisers with relevant audiences through digital ads, mobile apps, email campaigns, telemarketing, and other channels. To provide these services, we collect and share information about consumers—including selling certain data—and enable advertisers to show you ads based on your interests and online behavior across different platforms.
This privacy policy explains what personal information we collect when you visit Credit Info Online and what you share with us, along with how we collect, use, store, and share that information. For additional details about our website, please see our terms of service.
We encourage you to read this policy thoroughly so you understand our approach to your personal information. If these policies and practices don’t work for you, please refrain from using our website or subscribing to our email list. Your use of this website or interaction with our other services indicates your acceptance of this privacy policy.
What This Policy Covers And Third-Party Links:
When clicking on links to other websites from Credit Info Online, you acknowledge that you are leaving our site and entering a separate digital space with its own privacy policies. We urge you to be mindful and protect your information. We encourage you to review the privacy policies of any websites you access through links from Credit Info Online.
How We Obtain Your Personal Information:
This website collects personal information you choose to share, such as your name, email address, phone number, mailing address, and information submitted via an inquiry form. The data you provide may be enhanced with information obtained from affiliates, data brokers, and marketing or advertising partners. Some of these third parties are organizations that have obtained your personal information from their own services. In addition, we automatically collect certain information using cookies and other tracking technologies for analytics and advertising purposes. Additional details are provided below.
Categories of Data We Collect:
“Personal information” means any data generated, collected, stored, or otherwise processed through the Company’s business activities that identifies, describes, or can reasonably be linked to an individual or household, either directly or indirectly.
As part of subscribing to the Credit Info Online, you may be asked to provide personal information such as your name, date of birth, street address, e-mail address, and phone number. We also gather additional information through cookies and similar technologies, including IP address, imprecise geolocation (inferred from your IP address), device ID, timestamps, browsing behavior, and click-through interactions. We may further obtain advertising-related information from data brokers or public sources, such as demographic details, interests, prior visits, or purchase history. Limited sensitive personal information may also be collected. Details about your rights are provided below.
California law requires businesses to disclose the categories of personal information collected in the last twelve (12) months. During this period, we have collected identifiers; personal information listed in Cal. Civ. Code § 1798.80(e); characteristics protected under California or U.S. federal law; information related to internet or network activity; commercial information; professional or employment-related information; imprecise geolocation data; and inferences derived from other personal information.
We share and in some cases sell this information with affiliated companies and third-party partners for marketing and advertising purposes. We share and in some cases sell this information with affiliated companies and third-party partners for marketing and advertising purposes. You may exercise your right to opt out of the sale or sharing of your personal information by visiting here or calling (855) 931-4264.
Collection and Use of Sensitive Data
We do not directly collect Sensitive Personal Information, which includes data relating to race or ethnicity, religion, precise geolocation, LGBTQ+ identity, health conditions, financial account information, or citizenship status. However, we may indirectly receive information through automated technologies such as cookies that track visits to certain web pages, potentially indicating interest in sensitive subject areas. For instance, engagement with content related to specific ethnic groups or medical topics may suggest such interests. These inferences are not made by us but may be drawn by affiliated companies or third parties with whom information is shared. If state or local law requires consent to process Sensitive Personal Information, our affiliates will not make sensitive inferences. We do not collect or use personal information concerning children under 18.
How We Use the Data We Collect
We use personal information to send you newsletters that you request and to provide content or marketing messages by email or via other channels. We also share your personal information with our partner companies, who may also send you marketing messages by email or otherwise. You can opt out here. Our use of your personal information may be considered “cross context behavioral advertising” in some cases.
Personal Information Sharing
We sell or share personal information with our affiliated group of companies and with our clients for marketing uses, including cross context behavioral advertising. We also share personal information with contracted service providers, for advertising, web hosting, fraud detection, analytics, information security, or similar services. When we share data, we put contracts in place with all recipients of our data to ensure appropriate data security measures and compliance with laws. We also share personal information where we are required to do so by law (for example, in response to a warrant or court order), or to protect the health, safety, or rights of any person.
From time to time, personal information may be shared with law enforcement, regulatory authorities, courts, government agencies, or other third parties to comply with legal obligations, respond to lawful governmental requests, protect individuals or property, or enforce our rights under applicable agreements, including billing and collection activities. Personal information may also be disclosed in the context of corporate transactions, such as mergers, acquisitions, reorganizations, or asset sales, where user data forms part of the transferred assets.
If you agree to the sharing of your information, we may provide personal information to third parties for purposes that were disclosed to you at the time of collection or described in this policy.
Cross Context Behavioral Advertising, Analytics, and Data Sharing
We share personal information obtained through this website with other companies (“third parties”) who show you online advertisements on this or other sites, and also use personal information for analytics and reporting purposes concerning those advertisements. These companies use cookies, pixels, and similar technologies to collect information about the web pages you visit and the advertisements you view or click, and may combine this with personal information from other sources (including data brokers) and share it with other third parties for the same purposes (also known as “cross-context behavioral advertising”). We (and our partners) collect your IP address, date and time of your visit to the website, or of actions you take here, your Internet Service Provider (ISP), and the browser type and version you use to visit this website. This information may be combined with personal information from other sources and used to deliver advertising from us or from other companies through email, on apps, websites, social media sites, or by other channels. We also use personal information to analyze how you interact with this site and its advertisements so we can continue to improve your experience.
Cookies, Pixels and Personalized Advertising
We use cookies, pixels, and related technologies to operate this site, to improve your user experience, to provide personalized content and advertisements, and to monitor marketing campaigns or engagement with relationship communications. Cookies are small data files that our server adds to your browser, which are used to recognize you when you visit certain websites. We use cookies for several purposes: for operation of the website, for analytics and tracking, and for advertising purposes. You can customize cookie settings in your browser settings to limit some or all cookies. You can also delete (clear) the cookies on your browser at any time. Note that if you use a “do not track” setting, this may result in an “opt-out cookie” being set on your browser to block other cookies or data collection.
In particular, we use the following tools for automated data collection:
- Browser cookies, which are small files placed on the hard drive of your computer. You can refuse cookies by adjusting your browser settings, though doing so may make it harder to access certain parts of our website.
- Flash Cookies, which are local stored objects that assess and store how you navigate on your website, and your preferences for your website experiences. Flash settings can be managed as described on Adobe’s Flash cookies page.
- Web Beacons / Tags / Pixels which are parts of our website, newsletter, and affiliated sites that use small electronic files known as clear gifs, single-pixel gifs, or web beacons to assess the popularity of our content, count visitors to a page, tell us how many people have read an email, assess the integrity of our systems and servicers, or otherwise give us statistics on our website and newsletters.
Do Not Track and Global Privacy Control Setting
We honor Global Privacy Control (“GPC”) signals and other universal opt-out signals as valid opt-out requests for the sale and sharing of personal information. Upon detecting such a signal from your browser or device, we will process the opt-out automatically on your behalf. We do not seek to monitor every website you visit online. As described above, you may manage or remove certain cookies at any time through your browser settings. If you choose to opt out or enable a browser-based “Do Not Track” signal, including the GPC, an opt-out cookie will be placed on your browser to limit certain data collection activities. If that opt-out cookie is removed or your GPC settings are changed, automated data collection may resume.
Exercise Your Privacy Rights
You may exercise your privacy rights, which include: (1) to know, in general, what data we collect and how we use it (please refer to this policy), (2) to direct us not to share your personal information with other companies, (3) to request a copy of the personal information we have collected about you, (4) to request that we delete data about you, or (5) to make other requests relating to your personal information. You may exercise these rights at this page, or by calling (855) 931-4264. If you still have questions or concerns after you have exercised your rights, you can contact us using the information listed below. If we cannot resolve your issue, in some cases you may also be able to contact a local privacy authority, where applicable.
If you would like to log complaints, please see below for contact information:
For the FTC: ReportFraud.ftc.gov or go to ftc.gov/complaint. You can also go directly to the Better Business Bureau complaint portal at bbb.org/file-a-complaint.
We are unable to process or respond to a request unless we can confirm the requester’s identity or authority to act. To be considered verifiable, a request must include information sufficient to confirm that the requester is the individual whose personal information we hold or a properly authorized representative, and must clearly explain the nature of the request so it can be addressed. You are not required to create an account to submit a request. Any information provided will be used only to verify identity or authority and to process the request. Upon receiving a verifiable request, we will respond within 45 days. Should we need more time, we will let you know in writing within the first 45-day period, including the reason for the delay and the expected response date, up to 45 additional days.
Where a request is refused as permitted by law, you may seek a review of that decision or contact us with any privacy-related questions using the information below. Certain jurisdictions also provide the right to lodge a complaint with a local privacy regulator. Exercising your privacy rights will not result in discrimination.
Not Intended for Use by Children
This website may be used only by people aged 18 or older. We do not knowingly accept personal information from children under the age of 18, and we will remove any such personal information if we become aware that we have received it.
Information Security
Our information security program includes technical, organizational, and physical security measures to protect personal information from exposure or harm. We have policies and procedures, employee training, and automated monitoring. We also audit our practices regularly to ensure consistency and adapt to evolving risks.
Personal Information Retention
Personal information collected through this website is retained for as long as necessary to carry out the purposes described in this policy, comply with our legal obligations, and support our business operations. We review and purge data that is no longer needed on a periodic basis.
Updates To This Privacy Policy
We may modify or update this Privacy Policy at any time, without prior notice. The revised policy will apply from its listed effective date. You should review this Policy from time to time to stay current on our collection, use, and sharing of personal information.
Data is Processed in the United States
This website is based in the United States, and is intended for users in the United States. When you visit our website, you understand and acknowledge that your personal information will be stored and processed within the United States, subject to U.S. laws.
Contact Information for This Site
If you have questions or feedback, please contact us at wesinafellaer@creditinfonline.com or 2643 Beaver Ave, Des Moines, Iowa 50310.
