FlipScore
Privacy Policy

Consumer Privacy Notice

Important Notice Regarding Your Personal Information
How Does FlipScore Credit Make Use of Your Personal Information?
Who is providing this notice?

This notice is being made on behalf of FlipScore Credit, Inc. (“FlipScore” or “FlipScore Credit” or “we” or “us”)

Why?

According to federal law, financial companies can select in what ways your personal information can be shared. As per the law, consumers can limit some of this sharing. By law, we are required to tell you exactly how your personal information is collected, shared, and protected by us. Please continue reading this document carefully to understand what we do with your information.

What?

The information we collect from you and share depends upon which of our products or services are being used by uou. This information may include:

  • Social Security Number and Other Identification Information
  • Account Balances
  • Payment and Transaction History
  • Credit History and Credit Score
  • Income, /Content/landing/assets, and Liabilities
  • Loss and Claim History

If you discontinue your relationship with us for any reason, we will continue to share your information as laid out in this document.

How?

As a means to run everyday business, financial companies will be required to share their customer’s personal information. Below, you will find a list of the many reasons it is required for financial companies to share their customer’s personal information, the reasons FlipScore Credit shares and which reasons you can limit your sharing for:

Reasons for Sharing Your Personal Information Do We Share ? Can This Sharing Be Made Limited?
To process transactions, maintain accounts, respond to legal investigations and court orders, credit bureaus reports, and other such everyday business purposes Yes No
For marketing products and services to you Yes No
For joint marketing with other financial companies No We don’t share
For everyday business purposes of affiliates; information about transactions and experience of our customers No We don’t share
For everyday business purposes of affiliates; information about the creditworthiness of our clients No We don’t share
For our affiliates to market to you No We don’t share
For non-affiliates to market to you No We don’t share
Questions?

Contact us at support@flipscorecredit.com

What We Do
How Does FlipScore Credit Secure My Personal Information?

We employ security measures that are in line with federal law to secure your personal information against unauthorized sources that can access and use it. To do this, we secure our buildings, files, and have computer safeguards in place. These security measures include physical, electronic, and procedural safeguards to ensure that there is no unauthorized access to our customer’s personal information. These safeguards are tested periodically to keep them updated and ensure that they are working. We employ the use of risk management and training with our employees to guarantee that they know the importance of maintaining the confidentiality of our customer’s information and it’s proper handling.

How Does FlipScore Credit Collect My Personal Information?

We collect your personal information when you apply for our products and services. We may also collect your information from other sources such as, affiliates, other companies, and credit bureaus.

Why Sharing Can’t Be Limited?

With accordance to federal law, you only have the right to limit:

  • Sharing for affiliates’ everyday business purposes - information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you

Check your state laws and individual company policies that may give you additional rights to limit other sharing.

Definitions
Affiliates

Separate companies with a common owner or parent. They can be financial or non-financial companies.

  • We do not share the personal information of our customers with our affiliates.
Non-Affiliates

Separate companies that do not share an owner or parent. They can be financial or non-financial companies.

  • We do not share personal information of our customers with outside companies unless we explicitly ask your permission first. This information is shared for marketing purposes. You may see offers on our website from third-party companies, but we do not share your personal information for them to provide these offers.
We may disclose customer information about you to credit reporting agencies, in response to a subpoena or court order, as required by certain federal and state laws, and pursuant to your request or authorization.
Joint Marketing

This refers to a formal agreement between financial companies that are non-affiliates that market financial products and services together to you.

  • We do not share your personal information in connection with joint marketing.

Online Privacy Policy

This Online Privacy Policy (“Policy”) applies to your interaction with FlipScore Credit, Inc. (“FlipScore Credit,” “FlipScore,” “we,” “us,” and “our”) at any online site, mobile application, or similar technology that we own and control (each a “Site”) unless a different online and/or mobile policy is posted at a particular Site or is made available to you and by its terms supersede this Policy. Other privacy policies may also apply in addition to the terms of this Policy. You may also receive additional privacy notice in connection with your use of a particular product or relationship with a specific business.

Please note that when we are present on a third-party platform, such as a page or handle on a social media site, then the privacy policy and terms of use of that third party will apply, unless stated otherwise. This Policy is not a contract and does not create any legal rights or obligations.

What Information Does The FlipScore Site Obtain And How Is It Used?
Types of Information

You may use a number of different devices to interact with us, including but not limited to a PC, laptop, tablet, or mobile phone. We may offer Sites that allow browsing without any registration. We may also offer online account accessibility.

Information that we may collect from you online includes information that you put in like your name, address, email, and other contact information, data gathered through your activity, and your location. There may be additional information that we gather about the device you are using, your browser, your IP address, the operating system of your device, and additional information about your device. We may also gather additional information through cookies, tags, and other technologies, as described in more detail below.

Location Information

If you use location services on your device, our Site may collect information about your location. This information includes address, city, and/or zip code that you provide while submitting your online application for an account. The Site may also access location information directly from your device in order to perform location-based services that you request. The automatic location information is gathered through your device’s IP address and other technology like GPS. We may use the information gathered to provide requested location-based services.

Depending on your device and browser, you can limit access to certain location information in your device and browser settings. However, by changing these settings, you may limit the functionality we provide through our Site. We suggest that you look at the information given by your device and browser to learn more about your location settings.

About “Cookies”

Our Site’s software may use Cookies in order to provide better service. Cookies are a small fragment of information that a website or app retains in the web browser or application on your device that it can access at a later date. Cookies cannot be accessed by other websites or applications other than the one that sets them. A lot of cookies only last through a single session on the website or application. We may use cookies for a variety of administrative purposes. For instance, to save your preferences for certain types of information. We may also use them to maintain continuity during a session or visit by gathering data about how you use our Site. We also use them to monitor online promotions, check for fraud, and information security purposes.

There are certain cookies that are used to facilitate online activity. Such cookies, known as session cookies, may be required to access specific services on our Site. These cookies will also help you by eliminating the need to enter your information more than once. The cookies deactivate once you log off of the services and are permanently deleted once you close your web browser or application. With the information we gather in the form of cookies, we may use it to match the web browser and the device used to access your account on our Site for security purposes.

Other cookies are used to personalize your visit. These cookies may be created on our Site to allow us to give you relevant information that might be useful to you when you visit at a later time. These cookies are in place to retain your personal preferences from an earlier visit to our Site in order to customize your experience. These cookies remain on your device until you delete them.

There are also cookies that help us evaluate our Site. We may use these cookies in order to track visitors and their navigation through our Site. This includes pathways to certain pages, time spent on a page, and the number of visitors on/to a page. This helps us better our user experience by helping us decide to edit, improve, or delete specific pages. These cookies also remain on your device unless you delete them.

Cookies are also used to evaluate the effectiveness of certain advertising placed on third-party locations on the internet. We may use these cookies and other related software and technology in order to track the responses to our online marketing and to access our rankings on search engine results pages. These cookies are stored on your device when you view our marketing at another internet location or on our Site. These cookies identify and track ads that led you to visit our Site. These cookies also remain on your device until you delete them.

We may use third-party marketing agencies to create and present ads to you and/or to collect information in regard to advertising when you visit our Site or other locations where you might view our ads. This third-party marketing tech uses information about your visits to our Site and other sites on which we advertise. In the process of presenting ads to you, another cookie may be placed onto your browser or app. In addition to the cookies, we may use certain web beacons provided to us by thirdparty advertising agencies to help us manage our online marketing. These web beacons let us access and recognize a browser’s cookies when it is used to access our Site, and to see which adverts are bringing visitors onto our Site. To learn more about third-party marketing agencies and cookies, you can contact us at support@flipscorecredit.com.

Data collected on one browser, app, or device may be used in order to provide online adverts on another browser, app, or device that may be associated with the browser, app, or device on which the initial data was collected. We do not store any information through cookies that would allow anyone to contact you via phone call, email, or U.S mail.

Our sites may have certain tools and widgets available, which will enable you to easily share information onto another platform, such as social media platforms. At times, you may see information from thirdparty sites embedded onto our Site. This information may include but is not limited to a map, information streaming, including streaming from third-party social media sites. These widgets, tools, and embedded information may function by using third-party cookies that are used by third-party sites. You can review information about these cookies on the third-party sites or social media platforms on which you have an account in order to review their policies and how they gather information through the use of cookies.

Do You Have to Accept Cookies?

You may be able to change your browser settings to reject cookies. However, if you choose to take this action, you may be limiting the functionality of our Site and how we provide our services to you. The latest versions of most internet browsers have cookie management tools that may allow you to reject or delete cookies. We suggest going through the information provided by your browser and browser provider to get a clearer idea of how to use these tools.

Do Not Track

On updated versions of most major browsers (Firefox 5+, Internet Explorer 9+, Safari 5.1+, and Chrome), you have a privacy preference that can be set called Do Not Track or DNT. DNT enables users to inform web services that they want to limit the information about their web page visits collected across all websites.

In accordance with the Policy, we, along with our service providers and/or third-party analytics may collect specific Personally Identifiable Information or PII about your online activities over time, including on third-party websites and applications. This information is gathered for marketing purposes, such as advertising that are tailored to you based on your visits to these websites. We may also use this information for internal research and product development purposes. While our Site does not comply with DNT services, you may be able to block all cookies and collection of data through your browser as described above.

Additional Cookies

There are certain times where the term “cookies” is used to refer to other locally stored files and information such as those stored in an Adobe® folder on your device. These cookies will not be deleted when you delete cookies from your browser. We may use these specific cookies to prevent fraud and for information security purposes. These cookies are not used for tracking behavior for marketing purposes. If you require more information, please read the information provided by Adobe to see how to disable and control Flash® objects. If you choose those options, you may limit the functionality we can provide when you visit our Site.

Additional Technologies

We may also use technologies such as web beacons, scripts, ad tags, tagged URLs, and clear GIFs, and may permit our third-party service providers to use these technologies. With these technologies, we may gauge the effectiveness of our marketing and other communications to you. With this information, we can determine viewing and response rates, and this will provide us with data that will tell us which offers to present to you on our Sites as well as third-party sites.

Using Information

Along with all the uses described above, we may use the information we gather for other purposes that are permitted by law. These purposes include servicing, communication with you, Site improvement, products and service improvement, legal compliance, risk management, information security, fraud prevention, marketing and tailoring the presentation of our products and services to you, and tracking website usage in order to evaluate our Site’s usefulness.

Sharing

We may share the information we collect with our trusted service providers who work with us but do not have any independent use of the information that we give them and adhere to the rules set in our Policy. These service providers include data processors and marketing agencies that help us market our products and services to you and keep track of our advertising and Site usage. When required by law or permitted by you, we may share information with additional third-party individuals or organizations for purposes such as in response to legal processes.

Off-Site Links

For your convenience and reference, our Site may provide links to other websites. Unless stated otherwise, these links are explicitly there to provide you with convenience and do not constitute any endorsement. These third-party linked sites do not fall under the umbrella of our control and may not have the same privacy, security, or accessibility standards. Third-party websites are solely responsible for the content they provide and the availability of their sites. We suggest referring to the privacy and security policies of said third-party sites upon your visit.

In some instances, we may make third-party products available to you for purchase in connection with your account with us. With your purchase, you acknowledge and agree that the terms of those products and services are between you and the third-party provider. We expressly disclaim that any warranties associated with those services and you agree to hold us harmless from any loss or damage you may incur in connection with those services.

Children

We do not use our Site to knowingly collect information from or market to children under the age of 13. If a child under the age of 13 has provided us with personal information without parental or guardian guidance or consent under any circumstances, the parent or guardian can contact us directly atsupport@flipscorecredit.com. In this case, we will delete all information gathered from the underage individual from our files within a reasonable time and unsubscribe them from any promotional contact opportunities.

Security

Your discretion and confidentiality are of the utmost importance to us. We have in place appropriate physical, electronic, and procedural safeguards to protect the information we collect from or about our users. We limit access to your information to only those who need it to operate, such as authorized employees and contractors that need it to develop or improve our Site and services. These safeguards are regularly and systematically reviewed to protect your information against unauthorized access, improper use, disclosure, and to maintain the accuracy and integrity of your information.

Policy Updates and Effective Date

We reserve the right to modify this Policy at any time and without prior notice. If we make any changes to this Policy, we will update the Policy with the changes and revise the “Effective Date“ posted at the top of this Policy. Any updates to the Policy become effective when we post the updates on the Site. You may also revisit this page to view the current copy of this Policy. Your use of the Site following any update to this Policy means that you acknowledge and accept the updated Policy.

Your Consent

By using our Site, or interacting with FlipScore Credit marketing and advertisements, page, or an account on third-party sites, you are consenting to this Policy, including the usage and release of your information in the manner stated in this Policy.

Contact us

If you have any questions regarding privacy and this Policy while using the site, or have questions about our practices, products, or services, please contact us at support@flipscorecredit.com.