Information Collection and Use
We will collect and use personal information about you to respond to your request for products and services offered through this website. We will also collect information in order to notify you about products, services, and other opportunities we think will be of interest to you.
How We Collect Information
Information provided by you: CardCritics collects personal information from you in the following instances:
- Registration for Newsletters. CardCritics collects personal information from you if you register online for one of CardCritics’ newsletters. If you subscribe to CardCritics’ newsletter, your email address is collected. In connection with your subscription to CardCritics’ newsletter, we also collect information on whether you viewed the newsletters and clicked on any links within such newsletters. If you request to unsubscribe from receiving newsletters from us, we add your email address to our suppression file, to comply with CAN-SPAM. When you register online with CardCritics, CardCritics may ask for personal information like your first name, last name, and e-mail address.
- Correspondence. If you contact CardCritics through the Site, or send CardCritics personal correspondence, such as emails or letters, or if other users or third parties send CardCritics correspondence about your activities or postings on www.CardCritics.com or its social media accounts, CardCritics collects such information submitted into a file specific to you.
- Social Media. To the extent that you like or follow one of our social media profiles by clicking on any of the buttons featured on the Site, we may link such activities and any personal information with the personal information we have collected.
Information from service providers: Information is collected from third party service providers about geographical demographics, such as median household income or age. We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness. We may also acquire information on whether or not you purchased a product or service of a CardCritics.com advertising partner, advertising networks; as well as additional information through data analytics providers and operating systems and platforms.
How We Use Information
We use the information we collect from you and third parties to operate our services made available through the Site, communicate with you, conduct research and development to improve or enhance our services and customer experience. These are a few examples:
- To improve our recommendations and insights. The information we collect also helps us tailor our content and improve the way we match you to recommended offers or insights. We’re constantly working on ways to better identify and present the information that’s most relevant to you.
- To communicate with you. We use information we collect to provide you with our newsletter, requested support, or to send you personalized offer recommendations. You have the option to decline such offers and be removed from e-mail promotion lists at any time. To make this request, please email info [at] CardCritics.com
- To conduct research and to improve and promote our services. We use the information we collect to conduct research and to improve or enhance and promote our Services.
Who Has Access to Information
CardCritics does not sell your personal information. The following describes some of the ways that your personal information may be disclosed in the normal scope of business:
- Advertisers. CardCritics may aggregate personal information and disclose such information to advertisers and other third parties for their marketing and promotional purposes. For example, CardCritics may aggregate location information and disclose it to advertisers to inform them of where their ads are performing.
- Network Advertising. CardCritics may use third-party advertising companies for marketing, advertising and promotional purposes, as well as to serve advertisements to you. Using third-party advertising companies helps us and third-party advertisers better determine which advertisements or content to serve to you. For example, the third-party advertisers may use information regarding your visits to www.CardCritics.com and other websites in order to provide advertisements about goods and services, that third party advertisers believe will be of interest to you.
The types of information that may be collected by third-party advertising companies include the following:
- the type of Internet browser you use;
- the type of computer operating system you use;
- the domain name of a website you visit, as well as information related to websites and webpages you are viewing when an advertisement is requested;
- whether or not you visit specific pages of www.CardCritics.com or other websites;
- your IP address;
- the location of your Internet service provider’s point of presence;
- the date and time of a visit to a website;
- search keywords passed from another server;
- the number of times you have clicked on an advertisement; and
- other interactions between you and a website.
Controlling Your Personal Information
You may choose to restrict the collection or use of your personal information in the following ways:
- Do not fill out forms: Filling out all forms is entirely optional and only required in order to sign you up for offers or additional info such as newsletters.
- If you have previously agreed to us using your personal information for direct marketing purposes or newsletters, you may change your mind at any time by writing to or emailing us at info [at] CardCritics.com.
- Turn off cookies. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the Site.
Newsletters and CAN-SPAM Compliance
CardCritics.com may send newsletters to CardCritics subscribers. Subscriptions to CardCritics.com newsletters are verified by sending an e-mail. CardCritics.com is fully compliant with the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003. You may unsubscribe by clicking on the unsubscribe link within the newsletter.
A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyze web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.
Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. Cookies may collect information that includes your internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. CardCritics, its external service providers, internal service providers, and third-party advertising companies, may set and access cookies on your computer to track and store preferential information about you. For example, a third-party advertising company may assign a cookie to you, to limit the amount of times you see a particular advertisement or to help better determine which advertisements to serve to you. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer.
You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
Personal information you submit to CardCritics is password-protected for your privacy and security. CardCritics uses industry-standard SSL-encryption to protect data transmissions. In the unlikely event that an unauthorized third party compromises CardCritics security measures, CardCritics will not be responsible for any damages directly or indirectly caused by an unauthorized third party’s ability to view, use or disseminate such information.
Links to Other Websites
California Consumers’ Privacy Rights
Personal Information Collected
CardCritics collects Personal Information provided by Consumers through the Site. In the past 12 months, CardCritics has collected the following information from Consumers:
|Category of Information||Examples||Information Collected||Business or Commercial Purpose for Collection|
|Identifiers||A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.||Yes||Fulfill requests submitted through the Site, including subscription to our newsletter;Track Site access and interaction;Personalize and improve the Site;Advertising/marketing services; Update internal database;Analytics;Detect security incidents, or protect against malicious, deceptive, fraudulent, or illegal activity; andLegal compliance|
|Categories of personal information described in subdivision (e) of Section 1798.80.||A name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card, or any other financial information, medical information, or health insurance information.||No||N/A|
|Characteristics of protected classifications under California or federal law||Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran military status, genetic information (including familial genetic information).||No||N/A|
|Commercial Information||Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.||Yes||Track Site access and interaction;Personalize and improve the Site;Advertising/marketing services; Update internal database;Analytics;Track consumer interaction (counting ad impressions, verifying positioning and quality of ad impressions, etc.);Detect security incidents, or protect against malicious, deceptive, fraudulent, or illegal activity; andLegal compliance|
|Biometric information||An individual’s physiological, biological or behavioral characteristics, including an individual’s deoxyribonucleic acid (DNA), that can be use, singly or in combination with each other or with other identifying data, to establish individual identity, including but not limited to, imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information.||No||N/A|
|Internet or other electronic network activity information||Browsing history, search history, and information regarding a consumer’s interaction with an Internet website, application, advertisement.||Yes||Provide Site access and interaction;Track Site access and interaction;Personalize and improve the Site;Advertising/marketing services;Update internal database;Analytics;Detect security incidents, or protect against malicious, deceptive, fraudulent, or illegal activity;Debug to identify and repair errors that affect functionality; Track consumer interaction (counting ad impressions, verifying positioning and quality of ad impressions, etc.); andLegal compliance|
|Geolocation data||Physical location, position, and movement data.||No|
|Sensory information||Audio, electronic, visual, thermal, olfactory, or similar information.||No||N/A|
|Professional or employment-related information||Present and past employment data.||No||N/A|
|Education information||Education records maintained by educational institutions or third parties on behalf of these institutions.||No||N/A|
|Inferences drawn from any other information||Data reflecting a consumer’s preferences, characteristics, habits, attitudes, predispositions, intelligences, and abilities.||No||N/A|
The categories of Personal Information described above are collected from the following categories of sources:
- Directly from Consumers or their agents, such as through Consumers’ responses to forms on this Site.
- Directly and indirectly from activity on the Site, such as through Consumers’ interaction with this Site.
In addition to collecting personal information through the Site, we may also collect personal information through advertising networks; advertising partners; data analytics providers; and operating systems and platforms. Additional categories of Personal Information will not be collected or used for materially different purposes without first providing the Consumer with notice.
Uses of Personal Information
The information we collect is used as indicated above and to:
- Fulfill the purpose for which the information was provided by the Consumer.
- Perform the activities described to you when collecting your Personal Information or as set forth in the CCPA.
- Provide the Consumer with information, products, or services that have been requested.
- Perform internal and external marketing.
- Carry out obligations and enforce contractual rights.
- Improve the services provided through the Site, such as through testing, research, analysis, and development.
- Respond to requests from law enforcement and government organizations as required by law, court order, or government regulation.
- Evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, sale, or other transfer of some or all of our assets whether on an ongoing basis or as part of a discrete transaction in which collected personal information is among the assets transferred.
Sharing and Sale of Personal Information
In the preceding 12 months, CardCritics has disclosed personal information in the “identifiers” category to its email service providers for a business purpose. For instance, if you request to unsubscribe from receiving email newsletters from us, we may share your email address with our marketing partners, such as third party advertising networks and email publishers, to effectuate your request to unsubscribe and to comply with CAN-SPAM.
In addition, we may disclose your personal information in any of the above categories if legally required to do so, in our sole discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to (a) conform to legal requirements or comply with legal process; (b) protect our rights or property, or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public. Also, in the event that we, or substantially all of our assets, are acquired, personal information in all of the above categories may be included within the transferred assets. In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of, such personal information in all of the above categories in a transaction approved by the court.
Under the definitions of “Sell” and “Sale” in the CCPA, we do not sell your personal information. However, in the event that we, or substantially all of our assets, are acquired, such personal information may be included within the transferred assets. Further, in the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of, such information in a transaction approved by the court.
We do not have any actual knowledge of the sale of personal information of minors under 16 years of age. Personal Information for minors under 16 years of age is neither collected, disclosed, nor sold. There are no financial incentives to disclose.
Consumers have several rights under the CCPA regarding their personal information. These include:
- The right to know what categories and specific pieces of personal information are collected, disclosed for a business purpose, or sold by requesting this information from CardCritics.
- The right to request deletion of personal information collected or maintained by CardCritics.
- The right to opt-out of the sale of personal information.
- The right not to receive discriminatory treatment for choosing to exercise privacy rights under the CCPA.
Your Right to Request to Know and How to Submit a Verified Request to Know
A “request to know” is a request related to the personal information that a business has about such consumer. It may include a request for any or all of the following from us:
- specific pieces of personal information that we have collected about you;
- categories of personal information that we have collected about you;
- categories of sources from which the personal information was collected;
- categories of personal information that we have sold or disclosed for a business purpose about you;
- categories of third parties to whom the personal information was sold or disclosed for a business purpose; and
- the business or commercial purpose for collecting or selling personal information.
The CCPA permits requests to know from the same consumer up to twice in a twelve (12) month period.
To submit a request to know, you may email us at privacy [at] CardCritics.com. To process your request, we may require that you submit the following information in conjunction with your request: your first name, last name, California address, phone number, and email address. The information which you provide will be used to verify your request and to attempt to identify you within our data records. If you elect to use an authorized agent to exercise your right to submit a request for information, we may require the following before processing the request: 1) provide proof of your written and signed permission with the authorized agent to act on your behalf; 2) directly verify your own identity with us; and 3) directly confirm with us that you provided the authorized agent permission to submit the request on your behalf. The information which you submit in conjunction with your request will be used for the express purposes of verification and providing you with responsive information to your request, if required.
CardCritics only stores email addresses for subscribers who have signed up to receive the CardCritics newsletter. For the remaining non-email subscriber traffic, the only Personal Information collected are IP addresses. In many instances, due to the nature of the Personal Information collected, for non-email subscribers, CardCritics cannot verify consumers’ identities to the degree of certainty required to fulfill requests to know or delete your collected Personal Information. CardCritics cannot fulfill these requests because email addresses and IP addresses are generally publicly available across various publicly accessibly websites and would not permit CardCritics to verify Consumers’ identities to a reasonable degree of certainty.
Your Right to Request Deletion and How to Submit a Verified Request to Delete
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. To submit a request to delete, you may email us at privacy [at] CardCritics.com, or send your request to: ConsumerTrack, Inc., 1700 E. Walnut Avenue 2nd Floor, El Segundo, CA 90245. To process your request, we may require that you submit the following information in conjunction with your request: your first name, last name, California address, phone number and email address. The information which you provide will be used to verify your request and to attempt to identify you within our data records. If you elect to use an authorized agent to exercise your right to submit a request for deletion, we may require the following before processing the request: 1) provide proof of your written and signed permission with the authorized agent to act on your behalf; 2) directly verify your own identity with us; and 3) directly confirm with us that you provided the authorized agent permission to submit the request on your behalf. The information which you submit in conjunction with your request to delete will be used for the express purposes of verification and fulfilling your request, if required. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights), we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
As noted above, CardCritics only stores email addresses for subscribers who have signed up to receive the CardCritics newsletter. For the remaining non-email subscriber traffic, the only Personal Information collected are IP addresses. In many instances, due to the nature of the Personal Information collected, for non-email subscribers, CardCritics cannot verify consumers’ identities to the degree of certainty required to fulfill requests to know or delete your collected Personal Information. CardCritics cannot fulfill these requests because email addresses and IP addresses are generally publicly available across various publicly accessibly websites and would not permit CardCritics to verify Consumers’ identities to a reasonable degree of certainty.
We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
- Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
- Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
- Debug products to identify and repair errors that impair existing intended functionality.
- Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
- Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
- Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
- Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
- Comply with a legal obligation.
- Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
Your Right to Non-Discrimination for the Exercise of Your Privacy Rights
California affords consumers with the right not to receive discriminatory treatment by a business for the exercise of their privacy rights conferred by the CCPA. This means that you cannot be denied goods or services; be charged different prices or rates; be provided with a different level or quality of goods or services; or have it suggested that you will receive a different price or rate or different level or quality of goods or services. However, a business may offer a financial incentive or price or service difference if it is reasonably related to the value of the consumer’s data. A business shall notify consumers of any financial incentive or price or service difference.
Many of the offers appearing on this Site are from advertisers from which this Site receives compensation for being listed here. This compensation may impact how and where products or services appear on this Site (including, for example, the order in which they appear).
All financial products, shopping products and services are presented without warranty. Additionally, this Site may be compensated through third party advertisers, and feature sponsored content and links.
Questions or Concerns
Governing Law; Arbitration
THE PARTIES AGREE TO WAIVE THE RIGHT TO BRING OR PARTICIPATE IN ANY CONSOLIDATED OR CLASS ACTION AND AGREE THAT ALL FORMS OF CLASS ACTION OR CLASS ARBITRATION ARE EXPRESSLY PROHIBITED. THE PARTIES UNDERSTAND THEY WILL NOT HAVE THE RIGHT TO A TRIAL BY A COURT OR A JURY AND THAT THE INFORMATION THAT CAN BE OBTAINED IN DISCOVERY FROM EACH OTHER OR FROM THIRD PERSONS IN ARBITRATION IS GENERALLY MORE LIMITED THAN IN A LAWSUIT. IN ADDITION, OTHER RIGHTS THAT THE PARTIES WOULD HAVE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION. THEREFORE, YOU DO NOT HAVE THE OPPORTUNITY TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS AND YOU GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. BY USING WWW.CARDCRITICS.COM YOU CONSENT TO THESE RESTRICTIONS.
You and CardCritics shall select the arbitrator, and if you and CardCritics are unable to reach agreement on selection of the arbitrator within thirty (30) days after the notice of arbitration is served, then the American Arbitration Association shall select the arbitrator. Arbitration shall not commence until the party requesting it has deposited One Thousand Dollars ($1,000.00) with the arbitrator for the arbitrator’s fees and costs. The party requesting arbitration shall advance such sums as are required from time to time by the arbitrator to pay the arbitrator’s fees and costs until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs.
Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon you and CardCritics and your and CardCritics’ respective administrators, executors, legal representatives, successors and assigns, and may be entered in any court of competent jurisdiction. Notwithstanding the previous sentence, in no event shall either you or CardCritics be entitled to punitive, special, indirect or consequential damages and both you and CardCritics hereby waive your and CardCritics’ respective rights to any punitive, special, indirect or consequential damages, including, but not limited to, damages for any loss of profit, revenue or business.
Should a dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and GOFreeCredit.com, jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Los Angeles County, California.
Last Updated: February 01, 2022