Privacy Policy

What information do we collect?

We collect information from you when you fill out a form (example: contact us form).

When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address, phone number or website. You may, however, visit our site anonymously.

Google, as a third party vendor, uses cookies to serve ads on your site. Google's use of the DART cookie enables it to serve ads to your users based on their visit to your sites and other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy..

What do we use your information for?

Any of the information we collect from you may be used in one of the following ways:

• To improve our website

How do we protect your information?

We do not collect any personal and/or any sensitive information. The only payment option within our site is handled through Paypal and only for donations, as we do not sell anything (products and/or services) on our site. Because we do not collect any personal and/or sensitive information, we also do not store or hold any personal or sensitive information, whatsoever.

Do we use cookies?

Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information

We may use cookies to keep track of advertisements.

Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third party links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

California Online Privacy Protection Act Compliance

Because we value your privacy, we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.

Childrens Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Online Privacy Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

Terms and Conditions

Please also visit our Terms and Conditions section establishing the use, disclaimers, and limitations of liability governing the use of our website at http://creditlibrary.org/policy.html (Bottom of this page)

Your Consent

By using our site, you consent to our online privacy policy.

Changes to our Privacy Policy

If we decide to change and/or update our privacy policy, we will post those changes on this page.

This policy was last modified on 01/2010

Read more at FTC.GOV. You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law.

Terms & Conditions

You agree, know and promise not to hold (us) (we) (our) - (creditlibrary.org & subdomains of creditlibrary.org) liable for information and/or any content within this site for any reason. You agree, know, understand that this site is for informational purposes only, and no guarantees have or will be made by us (creditlibrary.org) on the accuracies and/or validity of the content within this site. You agree the content or anything within this site is not to be considered (legally or otherwise) as advice. Any legal advice you seek should be by a licensed attorney; we (creditlibrary.org) are not providing legal advice on any issues at any time for any reason. While every attempt has been taken to provide accurate information, there are too many variables to guarantee it is. Moreover, pages within this site (creditlibrary.org) are posted by users or visitors, because of that and other variables, there is no way to confirm that the posted information is either correct or incorrect. Please do not rely solely on any or all of the information provided on this site. Again, it is for information purposes only and you should seek confirmation on anything provided.

If you send us a message asking a 'credit' question or any question, we will do our best to come up with an answer(s), option(s), idea(s), and/or suggestions for you, but we are not guaranteeing the content, answer(s), option(s), idea(s), and/or suggestions as accurate, correct, or likewise. No warranties, guarantees, promises, claims, and/or representations have or will be made for anything within this site, subdomains of the site, and/or any site linking to or from our site (creditlibrary.org). If all terms above and within this page cannot be agreed upon, we respectfully request you leave our site (creditlibrary.org). By continuing within our site, visiting our site, and/or revisiting our site, you express and imply your agreement to all terms set forth within this site. You agree that the terms within this page and/or within our site can at any point be changed, updated and/or deleted by us (creditlibrary.org) for any reason.

You consent, acknowledge and/or agree that terms above and within this page are completely agreed upon by you. Donations: All donations are made with no expectations made or perceived by you. Donations are simply for the sole purpose of donating or gifting us funds and no product, service or likewise is given to you for donating.

If you donate for the purpose of gaining a 1 way back-link: We will post your link if the content and relevance is appropriate. We have every intention on keeping your link permanent. However, variables out of our control may terminate the link posted. An example of a variable out of our control: inappropriate material added to the site linked on our site. For the purpose of clarifying what is and isn't appropriate: no adult material, no site that sells/promotes/advertise anything illegal, no site/ad/URL that promotes hatred in anyway, no site that promotes racism or anything racist in anyway, and/or any other site that we believe the general public will or may or might find offensive will not be listed. Because of this, we cannot make guarantees, claims or promises on the length of time it may or may not be posted on our site and/or the location the link/ad/site/URL is placed within our site. We have and hold the absolute right to post your link, not post it, alter it, post it temporarily, and so on. All donations are non-refundable. No refunds will be given at any time for any reason. You agree, know, understand and you are aware that any donation you make is non-refundable and there is no promise, guarantee, representation and/or claim that you will receive anything for donating. You know, agree and understand we (creditlibrary.org) make the decision on what is and what isn't appropriate, regardless of your opinion as well as others. If you are not sure whether your site is appropriate or not, you have the option before donating and/or adding our link, to contact us via the contact form supplied by us under our 'Contact Us' page. You can at that point ask us to review your site. You must do this before donating, if you donate for the purpose of the "thank you" back-link, and we find your site inappropriate, we will not post the site, and we will enforce our "no refund" policy. Please take the time to contact us if you want our opinion on whether your site is deemed appropriate by us before donating.

By continuing within our site, you express, know, understand and agree with our privacy policy, terms and conditions, and the disclaimer below.

Disclaimer: We (creditlibrary.org) are not attorneys, we are not acting or advising as an attorney, and we cannot and will not provide any legal advice on any issue at any time for any reason. Any legal advice you seek should be by a licensed attorney.