Last Updated October 2017
© CreditCorner Financial Services, Inc.
Welcome to CreditCorner. Please read our privacy policy carefully to understand how we will use the information you provide while using sites associated with CreditCorner, i.e., www.sdcreditcorner.com and members.sdcreditcorner.com and sdcreditcorner.com/credit-access. This policy may change from time to time, so please check the website each time you use it for the most current information.

This privacy policy contains information on the following subjects:
What Information we Collect from Clients
How We Collect Information
Use of Cookies and Tracking User Traffic
The General Purposes for which we Use and Disclose the Information
How to Opt-Out of Certain Uses of the Information we Collect
How We Protect Your Information

When used in this privacy policy, the terms below have the following meanings:

“Personal Contact Information” means basic account and profile information entered by or on behalf of a member. This type of information is used to make contact and it includes the following type of information.

• First and Last name (middle initial and suffix, if applicable);
• Gender
• Home or Mobile Telephone Number
• E-mail Address;
• Current US Mail Address
• Credit Report Information

“Sensitive Information”

As a member of CreditCorner, the company may also collect the following information (in addition to basic contact information). This information is collected in order to carry out CreditCorner‘s legitimate business objectives.

• Social Security Numbers
• Credit or Debit Card Numbers, along with expiration date (if used as a form of payment)
• Drivers’ License Numbers, along with State of issue and address on license;
• Bank Account Numbers (if used as form of payment);
• Financial Account Numbers (for purposes of making disputes and interventions)
• Date of Birth
“Website Information” means information collected when individuals browse www.sdcreditcorner.com website, such as date and time of visit, pages viewed, time spent on the site, and websites visited before viewing the CreditCorner site. This information cannot be traceable to any specific person.

What Information We Collect From Clients

When you visit members.sdcreditcorner.com, (Member Site), you may provide us with three (3) different types of information: (a) personal contact information that you knowingly choose to disclose that is collected on an individual basis; (b) sensitive information; and (c) website use information collected on an aggregate basis by individuals browsing our website.

How We Collect Information

Personal Contact Information: We collect this information in order to contact you about your case or other relevant information from CreditCorner.

Sensitive Information: This information is only used for legitimate business purposes and is only shared with third parties to the extent necessary to fulfill those purposes. Sensitive information is encrypted before it is shared with any third party.

Website Information:

• www.sdcreditcorner.com: When you browse this site, you are able to do so anonymously. Generally, we don’t collect personal information when you browse this site — not even your email address. Your browser, however, does automatically tell us the type of computer and operating system you are using.

• members.sdcreditcorner.com: You only can access this site if you are a client of CreditCorner. In order to use this site and protect and secure the privacy and confidentiality of its clients, CreditCorner needs to track usage by member case number. Therefore, your use of the site constitutes consent to collection and storage of personally identifying information.

Use of Cookies and Tracking User Traffic

Some pages on this site may use “cookies”—small files that the site places on your hard drive for identification purposes. A cookie file can contain information such as a user ID to track the pages visited. These files are used for site registration and customization the next time you visit us.

Some parts of the site may also use cookies to track user traffic patterns. Lexington does this in order to determine the usefulness of our Web site information to our users and to see how effective our navigational structure is in helping users reach that information. Please note that cookies cannot read data off of your hard drive. Your Web browser may allow you to be notified when you are receiving a cookie, giving you the choice to accept it or not. If you prefer not to receive cookies while browsing our Web site, you can set your browser to warn you before accepting cookies and refuse the cookie when your browser alerts you to its presence. You can also refuse all cookies by turning them off in your browser, By not accepting cookies, some pages may not fully function and you may not be able to access certain information on this site.

In some of our emails to you, CreditCorner uses a “click-through URL.” When you click one of these URLs, you pass through our web server before arriving at the web site that is your destination. We track “click-throughs” to help CreditCorner determine your interest in particular topics and measure the effectiveness of our customer communications.

CreditCorner may use third-party advertising companies, including Google, to serve ads on its behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness and to serve ads based on a user’s prior visits to CreditCorner’s website. CreditCorner uses Analytics data and the DoubleClick cookie to serve ads based on a user’s prior visits to CreditCorner’s website. User’s may opt out of Google’s use of cookies, including the Doubleclick cookie, by visiting the Google advertising opt out page. Users may opt out of Google Analytics by visiting the Google Analytics opt out page. User’s may opt out of a third party advertising company’s use of cookies by visiting the Network Advertising Initiative opt out page.

The General Purposes for Which We Use and Disclose Information

How CreditCorner Uses the Information

Personal Contact Information: This type of information is used to correspond with CreditCorner and is not shared unless the client has given permission in the CreditCorner engagement agreement or doing so is necessary to provide the client needed legal services and fulfill CreditCorner‘s legitimate business purposes.

Sensitive Information: Sensitive information is used by CreditCorner to provide enrolled clients with the services requested.

To save you time and make our web services even easier to use, some areas of the Lexington web site allow you to create a “Client ID” using your personal information. The system saves your information and assigns you a unique CreditCorner Member ID. Next time you log into the client section of our web site you can simply enter your Client ID and password — the system will automatically look up the information it needs.

Under What Circumstances CreditCorner Shares Your Information

Personal Contact Information: Because the ability to communicate with our clients during any part of the credit recovery process is absolutely essential, your personal contact information may be shared with other CreditCorner employees. They will protect your personal information in accordance with the CreditCorner Customer Privacy Policy. CreditCorner will not share your personal contact information with other companies unless you specify otherwise.

CreditCorner works with other companies that help us provide CreditCorner services to you, and we may provide your personal information to these companies. For example, should we need to forward written documents to you we give shipping companies this information so they can deliver more efficiently. The information they receive is for shipping and delivery purposes only, and we require that the companies safeguard your personal information in accordance with CreditCorner‘s policies.

In addition, CreditCorner uses your personal contact information to keep you up to date on the latest service announcements, feature updates, special offers, and other information we think you would like to hear about. From time to time, we may also use your personal information in order to contact you regarding participation in a market research survey, so that we can gauge client satisfaction and improve our services further.

Sensitive Information: There may be some circumstances in which CreditCorner shares certain sensitive information with a third-party vendor. However, when this occurs, the information is encrypted and CreditCorner assures that it is handled in a manner consistent with this privacy policy and relevant laws. Sensitive information is only given to third party vendors when necessary to carry out the legitimate business objectives for which you retained the Firm. The circumstances under which sensitive information are shared with third parties include disputes and interventions to credit bureaus and creditors as well as processing of payments.

Website Information: This information is collected in order to allow CreditCorner to improve its Web site and better serve its members. This information allows CreditCorner to design and arrange Web pages in the most user-friendly manner and to continually improve its Web site to better meet the needs of its clients and prospective clients.

How to Opt Out of Certain Uses of the Information We Collect

If you wish to opt out of any e-mail services offered by CreditCorner, please click here. However, if you opt out of these services, CreditCorner will no longer be able to provide you legal services and it will need to close your case.

Additionally, CreditCorner may use third-party advertising companies, including Google, to serve ads on its behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness and to serve ads based on a user’s prior visits to CreditCorner’s website. CreditCorner uses Analytics data and the DoubleClick cookie to serve ads based on a user’s prior visits to CreditCorner’s website. User’s may opt out of Google’s use of cookies, including the Doubleclick cookie, by visiting the Google advertising opt out page. Users may opt out of Google Analytics by visiting the Google Analytics opt out page. User’s may opt out of a third party advertising company’s use of cookies by visiting the Network Advertising Initiative opt out page. Any information that these third parties collect via cookies and action tags is completely anonymous.

How We Protect Your Information

CreditCorner safeguards the security of the data you send with physical, electronic, and managerial procedures. We urge you to take every precaution to protect your personal data when you are on the Internet. Change your passwords often, use a combination of letters and numbers, and make sure you use a secure browser.

• Application of Encryption Technologies
CreditCorner‘s web site uses industry-standard Secure Sockets Layer (SSL) encryption on all web pages where sensitive personal information, including social security numbers, is collected. To sign up for service, or to log into the client section of the web site, you must use an SSL-enabled browser. This protects the confidentiality of your personal and credit card or checking account information while it is transmitted over the Internet.

• Evaluation of Information Protection Practices
Periodically, our operations and business practices are reviewed for compliance with corporate policies and procedures governing the security, confidentiality and quality of our information.

• Employee Access, Training and Expectations
CreditCorner‘s corporate values, ethical standards, policies and practices are committed to the protection of customer information. In general, CreditCorner‘s business practices limit employee access to confidential information, and limit the use and disclosure of such information to authorized persons, processes and transactions.

• Legally Compelled Disclosure of Information
CreditCorner may disclose information when legally compelled to do so, in other words, when we, in good faith, believe that the law requires it or for the protection of our legal rights. Privileged information about a members’ case is shared only when required by a court order or with a client’s express, written permission.

• Sharing Information with Outside Parties
CreditCorner may provide aggregate information about our site visitors and related Web site information to our affiliates, but this information will not include sensitive information.

Attorney-Client Privilege. CreditCorner is not a law firm, but since you do sign a power of attorney; information about a members’ case is considered privileged and is shared only when required by a court order or with a client’s express, written permission.

Our Company-Wide Commitment To Privacy
To make sure your personal information remains confidential, CreditCorner communicates these privacy guidelines to every CreditCorner employee, staff member, and third-party vendor.

• Protection of Minors
CreditCorner does not knowingly solicit personal information from children or send them requests for personal information.

• Third-Party Web Site Links
CreditCorner‘s web site may contain links to other sites. CreditCorner does not share your personal information with those web sites and is not responsible for their privacy practices. We encourage you to learn about the privacy policies of those companies.

• Changes to the Use of Personal Information
If CreditCorner is going to use your personal information differently from that stated at the time of collection, we will try to contact you via email using the most recent information we have. If you have not given us permission to communicate with you, you will not be contacted, nor will we use your personal information in a new manner.
CreditCorner‘s Privacy Policy is subject to change at any time. We encourage you to review the privacy policy regularly for any changes.