a. All of the information provided by you to “Credit Card Forums” to participate in the Services is correct
and current and
b. You have all necessary right, power and authority to enter into this Agreement and to perform
the acts required of you hereunder.
“Credit Card Forums Institute” will use and protect your data in accordance with our Privacy Policy, the contents of which are incorporated by reference into the Terms of Use. Please be aware that your browser must be enabled to accept cookies in order for you to use certain Materials and Services.
If you are required to establish an account in connection with a particular Service or Material, you must complete the designated registration process for such Service or Material. All required registration information provided must be current, complete and accurate and kept up to date on a prompt, timely basis. If required, you must also choose a user name and password for such account. It is your sole responsibility to keep your user name/password combination and other sensitive information confidential. If you become aware of any unauthorized use of your account or any other breach of security, you shall notify “Credit Card Forums” immediately. If any Services or Materials provide password-restricted access to your personal information (including, but not limited to, usage records for Materials, and performance in tests and exams) then by accessing or using this Site and setting up a password-restricted account for such Services or Materials, you consent to “Credit Card Forums”'s display of such information via such Services or Materials and accept all risks of unauthorized access to such information.
“Credit Card Forums Institute” makes this Web site and the Materials and Services, available for your access
and use subject to the Terms of Use.
"Materials" means all information, data, documents (e.g. pdf files, datasheets, FAQs,
etc.), communications, downloads, files, text, images, photographs, graphics, videos, webcasts,
publications, content, tools, resources, software, code, problems, articles, write-ups,
questions, solutions, programs and products made available or enabled via the Site by “Credit Card Forums”
or users of this Site.
"Services" means all services and resources offered or enabled via the Site by
“Credit Card Forums Institute” and users of this Site, including some or all of downloads and download areas,
product and other information services and communications services such as bulletin boards,
discussion forums, chat areas, communities, e-mail, newsgroups, and other message or
communication facilities designed to enable you to communicate with others (collectively,
"Communications Venues"). All Materials provided by “Credit Card Forums” are referred to
collectively as "“Credit Card Forums Materials". All user-supplied Materials are referred to
collectively as "User Materials". “Credit Card Forums Institute” Materials and User Materials may
have different restrictions and conditions associated with them under the Terms of Use and other
guidelines and rules posted via the Site.
The Materials and Services, as well as their selection and arrangement, are protected to the
fullest extent possible by applicable laws related to copyrights, trademarks, trade secrets and
all other intellectual property and proprietary rights (collectively, "Intellectual
Property Rights"), and any unauthorized use of the Materials or Services may violate such
laws and the Terms of Use. You agree not to copy, republish, frame, download, transmit, modify,
adapt, create derivative works based on, rent, lease, loan, sell, assign, distribute, display,
perform, license, sublicense or reverse engineer the Site, Materials or Services, any portions
of the Site, Materials or Services or the selection and arrangement of the Site, Materials or
Services, except as expressly authorized herein. In addition, you agree not to use any data
mining, robots or similar data gathering and extraction methods in connection with the Site,
Services or Materials. “Credit Card Forums” grants you non-exclusive, non-transferable, limited permission
to access and display the Web pages within this site, solely on your computer and for your
personal, non-commercial use of this Web site. This permission is conditioned on your not
modifying the content displayed on this site, your keeping intact all copyright, trademark, and
other proprietary notices, and your acceptance of any terms, conditions, and notices
accompanying the content or otherwise set forth in this site. The rights granted to you
constitute a license and not a transfer of title. The above permission does not relate to paid
products and services, for which you must pay the applicable monies to “Credit Card Forums” before
accessing them.
Use of the “Credit Card Forums” Materials or User Content for any other purpose is expressly prohibited and
may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum
extent possible.
You shall pay all costs and charges, including phone charges and telecommunications equipment costs, that you incur in order to access or use the Site, Services and Materials. You must adhere to all limitations on dissemination, usage and reproduction of any Materials that you download from the Site that are subject to such limitations. You agree to use the Services only to access, utilize, post, send or receive Materials in an appropriate manner as related to the particular Materials or Services being accessed or used by you. As some examples of improper activities when accessing or using the Site, Services or Materials, you agree that you shall not:
1. Collect, harvest, mine or engage in any other activity to obtain e-mail addresses, phone
numbers, personal information or any other information about others.
2. Use or attempt to gain access to or use another's account, password, Service, Materials or
computer systems or networks connected to any “Credit Card Forums” server or to the Site without
authorization from “Credit Card Forums”, whether through hacking, password mining or any other means.
3. Remove or falsely add to any uploaded Materials any copyright, trademark or other legal or
proprietary rights notices, author attributions or other information such as origin or source of
the Material.
4. Access or attempt to access any Material that you are not authorized to access or through any
means not intentionally made available through the Site or Services.
5. Make available any files containing Materials where you do not own or control, or have not
received the necessary licenses to, all Intellectual Property Rights, rights of privacy and
publicity and all other rights in and to such Materials.
6. Use any Materials in any manner that infringes any Intellectual Property Rights or other
rights of any party.
7. Transmit unsolicited or bulk communications to any “Credit Card Forums” account holder or to any Credit Card Forums
website e-mail address
8. Post or otherwise submit any software, programs or files that are harmful or disruptive of
another's equipment, software or other property, including any corrupted files, time bombs,
Trojan horses, viruses and worms.
9. Create a false identity for the purpose of misleading others or otherwise.
10. Download any Materials posted by another that you know, or reasonably should know, cannot be
legally reproduced, distributed, performed or displayed in such manner.
11. Disrupt, interfere or inhibit any other user from using and enjoying the Site or other
affiliated or linked sites, Materials or Services.
12. Disrupt or interfere with the security of, or otherwise cause harm to, the Site, or any
Services, Materials, systems resources, accounts, passwords, servers or networks connected to or
accessible through the Site or any affiliated or linked sites.
13. Access or use the Site in any unlawful manner or any manner that could damage, disable,
overburden or impair any “Credit Card Forums” server or the network(s) connected to any “Credit Card Forums”
server.
14. Violate any applicable laws or regulations related to the access to or use of the
Site, or engage in any activity prohibited by the Terms of Use.
15. Prepare, compile, use, download or otherwise copy any Site user directory or other user or
usage information or any portion thereof, or transmit, provide or otherwise distribute (whether
or not for a fee) such directory or information to any third party.
16. Engage in any chain letters, contests, junk e-mail, pyramid schemes, spamming, surveys or
any other duplicative or unsolicited messages (commercial or otherwise).
17. Violate the rights of “Credit Card Forums” or any third party (including rights of privacy and
publicity) or abuse, defame, harass, stalk or threaten another.
18. Use any “Credit Card Forums” domain name as a pseudonymous return e-mail address.
19. Market any goods or services for any business purpose (including advertising and making
offers to buy or sell goods or services), unless specifically allowed to do so by
“Credit Card Forums”.
20. Upload, post, transmit, share, store or otherwise make available any content or material
that
a. Contains any private information of any third party, including, addresses, phone numbers,
email addresses, and credit card numbers.
b. We deem to be child pornography, excessively violent, harassing, inappropriate, indecent,
lascivious, lewd, obscene, profane, racist, harmful, threatening, unlawful, defamatory,
infringing, abusive, inflammatory, harassing, vulgar, obscene, fraudulent, invasive of privacy
or publicity rights, hateful, or racially, ethnically or otherwise objectionable.
c. Contains software viruses or any other computer code, files or programs designed to
interrupt, destroy or limit the functionality of any computer software or hardware or
telecommunications equipment.
d. In the sole judgment of “Credit Card Forums Institute”, is objectionable or which restricts or inhibits
any other person from using or enjoying the Site, or which may expose Company or its users to
any harm or liability of any type.
e. Would constitute, encourage or provide instructions for a criminal offense, violate the
rights of any party, or that would otherwise create liability or violate any local, state,
national or international law.
21.Solicit personal information from anyone under 18 or solicit passwords or personally
identifying information for commercial or unlawful purposes.
22. Use or attempt to use another's account, service or system without authorization from
“Credit Card Forums”, or create a false identity on the Service or the Site.
23. When using Services or Materials, you will be subject to any posted guidelines, rules or
licenses applicable to such Services or Materials, in addition to the Terms of Use. Materials
and Services provided by third parties, if any, (collectively, the "Third-Party
Services") are governed by separate agreements accompanying such Materials and Services.
“Credit Card Forums” offers no guarantees and assumes no responsibility or liability of any type with
respect to the Third-Party Services, including any liability resulting from incompatibility
between a Third-Party Service, “Credit Card Forums” Materials, “Credit Card Forums” provided Services or another
Third-Party Service. You agree that you will not hold “Credit Card Forums” responsible or liable with
respect to the Third-Party Services. “Credit Card Forums”, in its sole discretion, may (but has no
obligation to) monitor or review the Materials and Services at any time.
“Credit Card Forums Institute” may at any time without notice and in its sole discretion:
1. Terminate a Service, access to or use of any Materials or an area of the Site where Materials
are posted or submitted.
2. Disclose any information related to your use of a Service or Material, or the substance of
any of your posted or submitted Materials, as “Credit Card Forums” deems necessary to comply with
applicable law, regulation, legal process or governmental request. You agree to use extra care
when disclosing any personally identifiable information about yourself or your children in any
Services or when you post or otherwise submit any Materials.
Materials encompassing any software code, including programs, tools, utilities, files and otherwise, and accompanying documentation that are made accessible via the Site (collectively, "Software") are the copyrighted work of “Credit Card Forums Institute”. Use of such Software is governed by the terms of the license agreement that accompanies or is included with the Software, or by the license agreement expressly stated on the Site page(s) accompanying the Software. You will not be able to use, download or install any Software that is accompanied by or includes a license agreement unless you agree to the terms of such license agreement. Absent a license agreement that accompanies the Software, use of the Software will be governed by the Terms of Use. You agree that you will not decompile, reverse engineer or otherwise attempt to discover the source code of the Software. The Software is made available solely in accordance with the license agreement. Without limiting the foregoing, unless the accompanying license agreement expressly allows otherwise, any copying or redistribution of the Software is prohibited, including any copying or reproduction of the Software to any other server or location for further reproduction, redistribution or use on a service bureau basis. Any unauthorized use, copying or distribution of the Software is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.
All of your User Materials that you post on or otherwise submit via the Site and Services shall
not be confidential information or trade secrets owned by you or any other party. You will
receive no compensation for any use of your User Materials. “Credit Card Forums” may, but is not required
to, post or use any of your User Materials that you may post or otherwise submit. “Credit Card Forums” does
not pre-screen User Materials that users provide or otherwise submit via the Site or Services.
However, “Credit Card Forums” may remove any posted or submitted User Materials from the Site or any
Service for any reason without notice in its sole discretion. By posting or submitting your User
Materials, you represent and warrant that you own or otherwise control all of the Intellectual
Property Rights and other rights to your User Materials as described in these Terms of Use,
including all the rights necessary for you to post or submit your User Materials.
You are solely and entirely responsible for all of your User Materials that you post or
otherwise submit via the Site or Services. You shall assume all risks associated with the use of
your User Materials including any reliance on the accuracy, completeness or usefulness of your
User Materials. “Credit Card Forums” does not guarantee the accuracy, integrity or quality of your User
Materials. You acknowledge and agree that by accessing or using the Site or Services, you may be
exposed to User Materials from others that are offensive, indecent or otherwise objectionable.
For all of your User Materials that you post or otherwise submit to the Site, including
a. comments to Communications Venues
b. questions
c. suggestions
d. ideas
e. feedback
f. other information about the Site or the Services
you grant “Credit Card Forums” an unrestricted, irrevocable, non-exclusive, worldwide, royalty-free and
fully paid up license under all Intellectual Property Rights to use, reproduce, publicly
display, publicly perform, copy, edit, modify, translate, reformat, transmit and distribute such
User Materials, with or without having your name attached to such User Materials, in any manner
or form and for any purpose, with full rights to sublicense such rights through multiple tiers
of distribution, and you also acknowledge and agree that “Credit Card Forums” is free to use any ideas,
concepts, know-how or techniques that you provide for any purpose without any compensation to
you. You acknowledge and agree that “Credit Card Forums” shall not be liable for any failure to store User
Materials on the Site at any time.
The Site, Services or Materials may include links that will take you to other sites outside of the Site ("Linked Sites"). The Linked Sites are provided by “Credit Card Forums” to you as a convenience and the inclusion of the links do not imply any endorsement by “Credit Card Forums” of any Linked Site. “Credit Card Forums Institute” has no control of the Linked Sites and you therefore acknowledge and agree that “Credit Card Forums” is not responsible for the contents of any Linked Site, any link contained in a Linked Site or any changes or updates to a Linked Site. You further acknowledge and agree that “Credit Card Forums” is not responsible for any form of transmission received from any Linked Site.
“Credit Card Forums Institute” may block, restrict, disable, suspend or terminate your access to all or part
of the free Site, Services and Materials at any time in “Credit Card Forums Institute”'s sole discretion,
without prior notice to you or liability to “Credit Card Forums”. Specifically, after a period of
inactivity, “Credit Card Forums Institute” reserves the right to disable or terminate a user's account. If an
account has been deactivated for inactivity, the user name associated with that account may be
given to another user without notice to you or such other party.
If you violate the terms and conditions “Credit Card Forums” may, at their sole discretion, block,
restrict, disable, suspend or terminate the paid conditions.
The site, services and materials, are provided by “Credit Card Forums” under these terms of use "as
is" without warranty of any kind, either express, implied, statutory or otherwise,
including, but not limited to, the implied warranties of title, non-infringement,
merchantability or fitness for a particular purpose. Without limiting the foregoing, “Credit Card Forums”
makes no warranty that
i. The site, services or materials will meet your requirements.
ii. The site, services or materials will be uninterrupted, timely, secure, or
error-free.
iii. The results that may be obtained from the use of the site, services or materials
will be effective, accurate, or reliable.
iv. The quality of the site or any services or materials purchased or accessible by you
will meet your expectations and
v. Any errors or defects in the site, services or materials will be corrected.
This site, services and materials may include technical or other mistakes, inaccuracies, or
typographical errors. “Credit Card Forums” may make changes to the site, materials and services, including
the prices and descriptions of any software or products listed, at any time in its sole
discretion and without notice. The site, materials and services may be out of date, and “Credit Card Forums
Institute” makes no commitment to update the site, materials and services. You acknowledge and
agree that:
i. “Credit Card Forums” does not control, endorse, or accept responsibility for any materials or
services offered by third parties, including third-party vendors and third parties accessible
through linked sites.
ii. “Credit Card Forums” makes no representations or warranties whatsoever about any such third
parties, their materials or services.
iii. Any dealings you may have with such third parties are at your own risk and
iv. “Credit Card Forums” shall not be liable or responsible for any materials or services offered by
third parties.
“Credit Card Forums Institute” specifically disclaims any liability with regard to the site, services and any
actions resulting from your use of the site and materials and participation in any services.
Managers, hosts, participants and other third parties are not authorized “Credit Card Forums”
spokespersons, and their views do not necessarily reflect those of “Credit Card Forums”. To the maximum
extent permitted by law, “Credit Card Forums” will have no liability related to user materials arising
under intellectual property rights, libel, privacy, publicity, obscenity or other laws.
“Credit Card Forums” also disclaims all liability with respect to the misuse, loss, modification or
unavailability of any user materials.
The use of the site, services or the downloading or other use of any materials is done at your
own discretion and risk and with your agreement that you will be solely responsible for any
damage to your computer system, loss of data or other harm that results from such activities.
“Credit Card Forums” assumes no liability for any computer virus or other similar software code that is
downloaded to your computer from the site or in connection with any services or materials. No
advice or information, whether oral or written, obtained by you from “Credit Card Forums” or via the site,
services or materials shall create any warranty not expressly stated in the terms of use.
“Credit Card Forums” will not be liable for any loss that you may incur as a result of someone else using
your password or account with respect to the site or any services or materials, either with or
without your knowledge.
In the event the foregoing limitation of liability set forth herein shall be for any reason held
unenforceable or inapplicable, you agree that “Credit Card Forums Institute”'s aggregate liability shall not
exceed the amount paid, if any, for the purchase of any product or service from www.creditcardforums.org
or Credit Card Forums other websites or links.
This Site can be accessed from countries around the world and may contain references to “Credit Card Forums” products, services and programs that are not available in your country. These references do not imply that “Credit Card Forums” intends to announce such products, services or programs in your country. The Site is controlled, operated and administered by “Credit Card Forums”. If you access the Site from a location outside India, you are responsible for compliance with all local laws.
“Credit Card Forums Institute” will, in appropriate circumstances, terminate the accounts of users who infringe the Intellectual Property Rights of others. “Credit Card Forums” will investigate notices of copyright infringement and take appropriate actions. If you believe that your work has been used or copied in a way that constitutes copyright infringement and such infringement is occurring on this Site or in connection with the Services or Materials, please provide notification of claimed copyright infringement to copyright@creditcardforums.org. Only communications related to copyright infringement will be responded to from this email address.
In the event of your or others' access to or use of the Site, Services or Materials in connection with the transmission of spam newsgroup postings or unsolicited e-mail in violation of these Terms of Use, you acknowledge and agree that “Credit Card Forums” would be irreparably harmed there under and that monetary damages would be an insufficient and ineffective remedy therefore you agree that “Credit Card Forums” is entitled to obtain immediate injunctive relief against any such transmission (in addition to all other remedies available at law or in equity). “Credit Card Forums” may without restriction block, filter or delete unsolicited e-mail.
“Credit Card Forums Institute” may run advertisements and promotions from third parties via the Site, Services or Materials in any manner or mode and to any extent. Your communications, activities, relationships and business dealings with any third parties advertising or promoting via the Site, Services or Materials, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, shall be solely matters between you and such third parties. You acknowledge and agree that “Credit Card Forums” is not responsible or liable for any loss or damage of any kind incurred as the result of any such dealings or as the result of the presence of such non-”Credit Card Forums” advertisers on the Site or in connection with the Services or Materials.
You agree to indemnify and hold “Credit Card Forums” and its officers, co-branders, other partners and
employees harmless from any claim or demand, including reasonable attorneys' fees, made by any
third party due to or arising out of:
a. Your User Materials and any other content (e.g. computer viruses) that you may
submit, post to or transmit through the Site (including a third party's use of such User
Materials or content (e.g. reliance on the accuracy, completeness or usefulness of your User
Materials)).
b. Your access to or use of the Site, Services or Materials (including any use by your
employees, contractors or agents and all uses of your account numbers, user names and passwords,
whether or not actually or expressly authorized by you, in connection with the Site or any
Services or Materials).
c. Your connection to the Site, Services or Materials.
d. Your violation of the Terms of Use.
e. Your infringement of any third party's Intellectual Property Rights when using any of
the Software made available on the Site, Services or in any Materials.
f. Your violation of any rights of any third party.
g. Your access to or use of Linked Sites and your connections thereto. or
h. Any dealings between you and any third parties advertising or promoting via the Site,
Services or Materials.
It is the express wish of the parties that the Terms of Use and all related documents have been drawn up in English.
“Credit Card Forums Institute” reserves the right to contact you from time to time regarding new site features, product launches, etc through e-mail, SMS, phone call , physical mail etc.
The Site may include certain services that may be available via your mobile phone, such as alerts and information. By using or registering for these the Mobile Services, you agree that we may communicate with you regarding “Credit Card Forums Institute” and other entities by SMS, MMS, text message or other electronic means to your mobile device.
Please refer to our Terms of Sale for the terms, conditions and policies applicable to your purchase of products or services from Company. By ordering products or services from Company through the Site, you agree to be bound by and accept the Terms of Sale. The Terms of Sale are subject to change without prior notice at any time, in Company's sole discretion so you should review the Terms of Sale each time you make a purchase.
You are solely responsible for your interactions with other “Credit Card Forums” users. We reserve the right, but have no obligation, to monitor disputes between you and other users.
Any claim or controversy that arises out of or relates to this agreement, or the breach of it, the same shall be referred to a person nominated by the Company whose decision shall be final and binding upon the parties hereto. Such references shall be deemed to a submission to arbitration in accordance with the provisions of the Arbitration and Conciliation Act, 1996.
The Terms of Use and other rules, guidelines, licenses and disclaimers posted via the Site or in
connection with the Materials and Services constitute the entire agreement between “Credit Card Forums” and
you with respect to your access to or use of the Site, Materials and Services superseding any
prior agreements between you and “Credit Card Forums” on such subject matter (including any prior versions
of the Terms of Use).
You may also be subject to additional terms and conditions that may apply when you use other
“Credit Card Forums” services, third party content or third party software.
You may not assign or otherwise transfer the Terms of Use nor any right granted hereunder
without “Credit Card Forums”'s prior written consent.
If for any reason a court of competent jurisdiction finds any provision of the Terms of Use, or
portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent
permissible so as to effect the intent of the parties as reflected by that provision, and the
remainder of the Terms of Use shall continue in full force and effect. Any failure by “Credit Card Forums”
to enforce or exercise any provision of the Terms of Use or related right shall not constitute a
waiver of that right or provision.
The section titles used in the Terms of Use are purely for convenience and carry with them no
legal or contractual effect.
This Privacy Policy explains what information is collected from visitors to “Credit Card Forums Institute”, why the information is collected and how it is used. It also explains user options for accessing and managing information, our data security practices and other matters. “Credit Card Forums” is operated and owned by “Credit Card Forums” . This Policy became effective 1 January 2005 and is subject to our Terms of Use.
We collect personal information from you to identify you, to ensure that we provide you with the correct feedback regarding your performance in various tests, and to help us deliver a superior educational experience. Information collected enables us to give you convenient access to our service offerings and products, and may help us tailor your educational experience.
1. Information you provide:
We collect information to provide more effective services. We ask for your name, email address,
and other personal information when you register to use certain features of our website. We also
may ask for this information at other times, such as when you enter contests or other promotions
sponsored by us and/or our partners. If you use a feature that requires payment of a fee, we
collect your credit card data or payment account information.
If you choose to use our invitation service to tell a friend about our site, we ask you for information to send the invitation (such as your friend's email address). We automatically send your friend a one-time email or instant message inviting him/her to visit our site. We store this information to: send this one-time invitation, register a referral if your invitation is accepted, and track the success of our referral program. Your friend may contact us at our office or e-mail or telephone to request that we remove this information from our database.
When you use one of our paid products, we track the web pages, and information that has been
accessed by you, and store it on our servers. This enables us to track items that you have
completed, and those that you need to see.
2. Cookies:
We send cookies (small files containing a string of characters) to your computer, thereby
uniquely identifying your browser. Cookies are used to track your preferences, help you login
faster, and aggregated to determine user trends. This data is used to improve our offerings,
such as providing more content in areas of greater interest to a majority of users.
Most 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. Some of our features and services may
not function properly if your cookies are disabled.
3. Log information:
When you access our website, our servers automatically record information that your browser
sends whenever you visit a website. These server logs may include information such as your web
request, Internet Protocol address, browser type, browser language, the date and time of your
request and one or more cookies that may uniquely identify your browser.
4. User communications:
When you send email or other communication to us, we may retain those communications in order to
process your inquiries, respond to your requests and improve our services.
5. Links:
We may present links in a format that enables us to keep track of whether these links have been
followed. We use this information to improve our customized content. Clicking on links may take
you to sites outside our domain. We are not responsible for the privacy practices of other web
sites. We encourage our users to be aware when they leave our site to read the privacy
statements of each and every web site that collects personally identifiable information. This
Privacy Policy applies solely to information collected by our Website.
6. Alerts:
We may alert you by email if we update our website in a way that we believe you should know
about. Email alerts are usually prompted by new features on the websites, or substantial
improvements in product offerings.
7. Public Forums:
When you use certain features on our website like the discussion forums and you post or share
your personal information such as comments, messages, files, photos, will be available to all
users, and will be in the public domain. All such sharing of information is done at your own
risk. Please keep in mind that if you disclose personal information in your profile or when
posting on our forums this information may become publicly available.
If you use a feature requiring payment of a fee, we transmit your credit card data to our bank
for processing. If we encounter a problem with payment, we may review the order information with
you and our bank to resolve it. We do not otherwise disclose your credit card information. We do
not share your email address or your personal information with third party marketers.
We offer secure pages to collect sensitive information on our order form, such as credit card
information. We also use administrative, physical and technical precautions to help protect the
confidentiality, security and integrity of personal information stored on our system. We host
the Site at a commercial-grade data center that employs extensive security practices. While no
computer system is completely secure, we believe the measures implemented by our Site reduce the
likelihood of security problems to a level appropriate to the type of data involved.
Other than the above mentioned sharing of data related to credit card information, we only share personal information with other companies or individuals outside of “Credit Card Forums”in the following limited circumstances:
We have a good faith belief that access, use, preservation or disclosure of such information is
reasonably necessary to :
a. Satisfy any applicable law, regulation, legal process or enforceable governmental
request
b. Enforce applicable Terms of Use, including investigation of potential violations
thereof
c. Detect, prevent, or otherwise address fraud, security or technical issues, or
d. Protect against imminent harm to the rights, property or safety of “Credit Card Forums” or
“Credit Card Forums” its users or the public as required or permitted by law.
If we become involved in a merger, acquisition, or any form of sale of some or all of our
assets, we will provide notice before personal information is transferred and becomes subject to
a different privacy policy.
We may share with third parties certain pieces of aggregated, non-personal information, such as
the number of users subscribed to a particular product, or the number of users registered on our
website. Such information does not identify you individually.
We may provide information to service providers to help us bring you the services we offer.
Specifically, we may use third parties to facilitate our business, such as to host the service
at a co-location facility for servers. Where we utilize third parties for the processing of any
personal information, we implement reasonable contractual and technical protections limiting the
use of that information to our specified purposes.
Currently, we plan to retain user data while an account is active and for at least ten years
afterward. We may alter this practice according to legal and business requirements. For example,
we may lengthen the retention period for some data if needed to comply with law or voluntary
codes of conduct. Unless otherwise prohibited, we may shorten the retention period for some
types of data if needed to free up storage space.
You can access and manage your account information. You can update your usage by accessing further paid services or products, or change details such as email address, and personal information.
By accessing our website, you agree to this Privacy Policy. This document supersedes any prior communication on this topic and reflects the entire and exclusive Privacy Policy for this Site. This Policy is subject to our Terms of Use, which take precedence over any conflicting Policy provision. We may change our Policy by posting a new version of it on our Site.
We are posting this Policy in an effort to be a good web citizen. If you have a question, please bring it to our attention at www.creditcardforums.org.