Privacy Policy

FreeCreditReportsInstantly.org (“we” or “us”) wishes to make you clear about the information that we collect about our site visitors and users, how we use that information and what are your choices in relation to the use and collection of this information. This Privacy policy explains our practices in relation to the information collected on our website, FreeCreditReportsInstantly.org. Please take some time to review this policy before you use our website.

When you use our site, FreeCreditReportsInstantly.org, you agree with the terms of our privacy policy mentioned here. In case you do not agree with any of the clauses, we request you not to use this site. We reserve all right to make any amendments in this policy without issuing any prior notice. Any amendments in the policy will be effective as soon as the revised policy is posted on the site. Use of this site after the changes implies your acceptance of the changed policy, which is effective at that time. Hence, we request you to read our privacy policy every time, before you use this site. 

Both non-personal and personal information is collected by us through our site, FreeCreditReportsInstantly.org. Personal information refers to the information that can help anyone identify you. Non-personal information is the IP addresses, demographic information, aggregate information and the likes that do not reveal your identity as a person.   

Personal Information – Given below are the kinds of personal information that we may collect: 

• Information you provide while placing an order for any credit-related product on our site. For instance, you may be prompted to submit your personal information, like name, date of birth, postal address, e-mail address, social security number and telephone number.
• Information you may provide about your children when you enroll them for ant of the child identity monitoring services/product. For instance, being the child’s guardian, you may have to provide the first and the last name of the child, date of birth and social security number that are indeed mandatory requirements for registration of the child with the credit agency for the identity monitoring service. 
• Your debit and credit card information is also collected either from your credit reports or from you directly, when you enroll for our card registry products. For instance, we can ask the debit or credit card account information from you over the phones, on our website, and via your credit reports with the 3-credit bureaus, in case of cancellation of cards (as requested by you) if your card is stolen or lost.
• Whenever you wish to purchase something from our site, we may ask for your credit card details or any other payment account details, billing address and other such important payment information from you.
• Some other information we may collect from you can be mother’s maiden name and the city of your birth. This can at times be used for verification, in case you forget the login information required to access our online products.

Non-personal Information – When you visit this site, we may collect some of your non-personal information like, the record of the website pages visited by you. Non-personal information is usually collected from these sources such as, cookies, environmental variables, pixel tags, server log files and other such technologies. Discussed below are the details of these sources for complete transparency:

• Server Log Files – Internet Protocol address is the number assigned automatically to your computer by the Internet Service Provider that you choose. This number gets identified and stored (registered) in the log files of our server automatically when you visit our site. This also stores information like the time at which you visited our website and the pages of our website visited by you. IP address of all our site visitors, including you, is used by us for purposes like calculating the usage levels of our site, administration of our website, and to diagnose the problems in the site with the servers of the site. Collection of IP addresses of site visitors is a very common practice and is automatically done by thousands of websites.  
• Environmental Variables – We as well as our credit report service providers may also collect some environmental variables, like computer type (Macintosh or Windows), OS version, Internet browser, screen resolution and the version of the Internet browser. Most browsers collect this information in order to optimize your overall experience of using the website.
• Cookies and Other Similar Technologies – FreeCreditReportsInstantly.org, our credit report service providers or/and non-affiliated third-parties mat make use of “cookies” and other such technology on the website. Cookies refer to the data that is transferred from the web server to the computer of an individual for the purpose of recordkeeping. Many websites make use of cookies to make your access of any particular website easier. Cookies in no way harm or damage your files or computer. If you do not wish your information to be collected through cookies, you can opt for an option to decline cookies automatically, provided by most browsers. Or, you may even opt for the choice whether to accept or decline the transfer of any particular cookie or cookies from any specific website to your system, every time.
• Pixel Tags – FreeCreditReportsInstantly.org, along with its non-affiliated third-parties, and service providers, can use the pixel tags, clear GIFs, web beacons and similar means, in relation to some pages of the website and HTML-formatted e-mail messages compile statistics about the usage of the site and its response rates. Pixel Tag is the electronic image, usually a single pixel of 1x1, which is normally not visible to the visitors of the site and can be related to cookies on the hard drives of the visitors. Pixel tags help us to count the number of users who have visited specific pages of our website, to make available online advertising, branded services and assist in determining the effectiveness of advertising or promotional campaigns. When used in the e-mail messages that are formatted in HTML, Pixel Tags can also help to track whether an e-mail has been opened by the receiver or not.  
• Information Provided By You Voluntarily – We may also gather non-personal information, like geographical location, et al, when such information is provided to us voluntarily by you. When such information does not have anything that can identify you as an individual or other users of our website, it is all non-personal information. In addition, an aggregation of such non-personal information, while keeping the identities of our site visitors as a secret, still gives us useful data, like the number of users visiting us from any specific area telephone code.   
• Please be aware that we any non-personal information is combined with the personal information, the end information will be treated as personal information.

Personal Information collected by us is used in the various ways given below:

• Request fulfillment - Your personal information collected by us may be used in relation with services, information or products requested by you.
• Administrative Communication - We may utilize your personal information to keep you updated about the changes in policies or terms and conditions of our site. As this information can be important to your use of our website, you may not be granted the discretion to opt out of receiving any such communications in future.
• Any Other Communication in Future - Your personal information may be used by us to inform you about promotions, programs, services or products on our website that we believe may cater to your interest. In case, you do not wish to receive e-mail marketing messages, you can any time opt out of our list of senders.
• Purchases - In order to complete the purchase transaction requested by you, we may use your personal as well as payment information.
• Promotions - We often conduct contests, sweepstakes and similar promotions on our website. To participate or win such promotions, you are normally prompted to provide some personal information. So, it is advisable that you read through any applicable rules before you participate in any promotion on our website, as they may include any additional conditions about the personal information that we may be collecting or how we may be using that information, apart from what is mentioned in this privacy policy. In case of any contradiction between the treatment of the collected personal information in those promotions and the ones that are mentioned here, the terms and conditions of those rules would hold right.  
• Internal Purposes of Our Business - Your personal information may also be used for some internal purposes of our business, like audits and data analysis. Additionally, we may also use it to improve the information we provide on our website and help us in making available targeted promotions to our customers.

Non-Personal Information - As non-personal information cannot be used for your personal identification, such information can be used by us for any purpose. Additionally, we also have the rights to disclose this information to third parties as well.

In a few instances, we may also combine the non-personal and personal information. In such a case, if the combined information can reveal your personal information, it will be treated as personal information.
We, along with our marketing and affiliate partners, may merge or enhance your personal information with data available from other sources and utilize it for online marketing/direct marketing purposes. All this is done only to the extent the law, look-up service programs and individual references permits us. In case we merge or enhance your personal information with data made available by other sources, reasonable steps would be taken to uphold the quality and integrity of such information.

We may have to disclose your personal as well as non-personal information to the following third-parties:

• Affiliates – We may share your information collected by us with our affiliated companies to make available the products requested by you, improve the products to better match your preferences, and for the marketing purposes in future. 
• Business Partners – We may also partner with other firms to offer or provide you with services or products ordered by you and may have to share your personal and non-personal information with them. We may have to share your information with such third-parties because of the purposes mentioned in this policy. 
• Service Providers – We collaborate with third parties that provide services that include but does not limit to list enhancement, data analysis, order fulfillment and other similar administrative services. We may share information with such third parties so as to allow them to provide their services to us. E-mail list management, advertising, marketing distribution, customer support, specific product functionalities, data analysis, surveys, research and fulfillment and enhancement services are some of the services that are offered by such third parties.
• Assignment – We have the right to share any or all the information that we collect from the users of our site with third parties or affiliates in case of any sale, reorganization, transfer, sale, transfer, joint venture or disposition of the entire or a part your stock, asset or business. (This also does not include any limit on bankruptcy or any other such proceedings).
• Emergencies, compliance, law enforcement and other purposes that are permitted by law – Despite of being contrary to any other provision of this privacy policy, we have the right to share personal information with others if we believe it to be appropriate (a) to conform to the legal process; (b) to reply to the requests from the government; (c) to implement our terms and conditions; (d) to protect the safety, rights, property or privacy of FreeCreditReportsInstantly.org, you, our affiliate partners or others; (e) to allow us to go for available solutions or restrict the damages that we may need to sustain; and (f) for any other cause that is permitted by the applicable law.
• Non-personal, aggregate information – We have right to share the aggregated information (collective information about our site visitors and not specifically about you) and other anonymous and non-personal information with third parties, including our affiliates to make and deliver targeted advertising on our websites and those of the third party websites. If you prefer to restrict our use of your cookies in relation to your web experience or our network advertising partners, please disable your cookies settings before you use our website.  

You can make your choice when it comes to the update of your information, knowing about new products or offers by us, our affiliates or partners. If you do not want to receive any mails or communication from us, our partners and affiliates, you may disable your cookies or click on the unsubscribe link in the next mail sent by us.

We will try to comply with your opt-out request, described above. However, please be aware that in such a case, it will not be possible for us to eliminate your personal information from third party databases with which we have already shared your information. In case, you do not wish to receive any marketing e-mails from any third parties, you are requested to contact third parties directly or opt for their specific opt-out methods that may be mentioned in their specific privacy policy. 

We utilize various security tools and measures, like firewalls, to avoid any misuse or alteration of information on the website and protect against any loss. Unfortunately, security of no storage or transmission of data can be 100% guaranteed on the Internet. In case, you have reasons to believe that the privacy of your interaction with us has been tampered with in any way, please inform us as soon as possible.

FreeCreditReportsInstantly.org may have links to third party websites but the privacy policy and content on those websites are in no way our responsibility. These links are included only for the convenience of our site visitors and are not endorsements by us. In case, you provide any personal information through the third-party website, the information will be handled according to the privacy policy of the third-party and not our website. PLEASE NOTE THAT OUR PRIVACY POLICY DOESN’T ADDRESS THE INFORMATION OR PRIVACY OF ANY THIRD PARTY WEBSITES.

We do not suggest or represent that our website, or any of its part, is available or is appropriate for use in any specific jurisdiction. Visitors, who choose to access or use this site, do it at their risk and would be responsible for abiding to their local laws and rules. We reserve the rights to limit the availability of this site, in part or as a whole, to any geographic area, person or jurisdiction that we choose, whenever we choose and at our sole discretion.

A SPECIAL NOTE TO OUR VISITORS WHO ARE BELOW 18 YEARS

Our site, FreeCreditReportsInstantly.org is not meant for individuals who are below 18 years of age. However, we do not object to anyone below this age to be browsing our site. But we request anyone below 18 years to not submit their personal information, like name, email address and postal address. You may also not register, enroll or buy products from our website.