An Honorable Debt Relief & Card Debt Settlement Plan - Bright Credit

Privacy Policy

The privacy practices of this statement apply to our services available under the domain and sub-domains of www.BrightCredit.com. By visiting our Web sites you agree to be bound by the terms and conditions of this Privacy Policy. If you do not agree please do not use or access our services.

A special note about children
Children are not eligible to use our services and we ask that minors
under the age of 18 do not submit any personal information to us.
Although this Policy may seem long, we have prepared a detailed Policy because we believe you should know as much as possible about Bright Credit practices so that you can make an informed decision. Bright Credit reserves the right to modify, amend or otherwise alter the terms of this Privacy Policy at any time, and without notice. All users of this site will be bound by the terms of this Privacy Policy and any subsequent modifications, amendments or alterations thereto.

Privacy Philosophy

Bright Credit.com believes that online privacy is crucial for the ongoing success of the Internet as a service, commercial and entertainment medium. We collect personal information from you in order to provide you with information about our services. In registering for certain services offered by Bright Credit you may be asked to provide your name, mailing address, e-mail address, zip code, telephone number and other personal information about you. We request this information from you so that we can provide you with the personalized service necessary to meet our goal of making our sites and our business a valuable service to you! However, unless you designate otherwise, the personal information you provide will be known only to you and to Bright Credit. It will always be your choice to provide this information to Bright Credit affiliates. If others want this information, including your name or your email address, we will provide it only if you give us permission to do so.

Information We Collect
Information gathered online can generally be categorized as either anonymous or personally identifiable. Anonymous information is information that cannot be traced back to a specific individual. For example, Bright Credit knows how many web surfers have visited our sites on a given day, but we do not know the names, e-mail addresses or gender of the people visiting us.

Personally identifiable information is information you provide that lets us know specific facts about you so that we can deliver to you a specific service or product you have requested. This information can include your name, telephone number, address, zip code, etc.
Gathering and Use of Personally Identifiable Information

Our Web site uses an input form for clients and potential clients to request information about our services. To make a request, individuals are required to provide their contact information and personal information about their finances (“Personal Information”).
Any information that you send to us may be collected and maintained in a file specific to you. Please note that unique identifiers, such as social security numbers, may be used as account numbers in our internal record system.

The Personal Information that is collected is used to help determine your suitability for our services and to customize your experience in the event that you are accepted into our program.

Your Personal Information is also used for the purposes of providing debt services and is used to get in touch with the client, when necessary. The client may be contacted via telephone, U.S. Mail, or e-mail in the future to notify the client of new services that we think they may be interested in. We may use Personal Information collected in order to send you information about our services, to fulfill your requests, to perform internal research, to respond to your inquiries or to contact you when necessary.

Your Personal Information may also be used along with information collected from our other users to create various forms of statistical data. Such statistical data, which generally does not contain information that is identifiable to any individual user, may be shared with our partners, employees, third party vendors, independent contractors, and affiliates.

Third party vendors or independent contractors engaged by this company may have access to your Personal Information in order to perform their services. Under no circumstances will any said third party vendor or independent contractor be permitted to use your Personal Information for any other purpose but to assist us with our business. We require all third party vendors or independent contractors engaged by this company to comply with our Privacy Policy, maintain the confidentiality of your Personal Information and to comply with applicable federal and state laws.

Please note that we reserve the right to disclose Personal Information for legal purposes, for the protection of this web site, for the protection of Bright Credit (or any of its partners, employees, third party vendors, independent contractors or affiliates) and/or for the protection of other users of our web site. Specifically, we reserve the right to disclose Personal Information as allowed by law or share your Personal Information with third parties if required by law to do so, or if we believe such action is necessary to either: (a) conform with the requirements of the law or to comply with legal process served upon us, (b) protect or defend our legal rights or property, this web site, or other users of this web site, or (c) investigate, prevent or take action regarding illegal activities, suspected fraud, or situations involving potential threats to the physical safety of any person.

We agree to be bound by all principles of confidentiality as required by law. However, due to the existing regulatory environment, we cannot ensure that all of your private communications and Personal Information will never be disclosed in ways not otherwise described in this Privacy Policy. By way of example (without limiting the foregoing), we may be forced to disclose information to the government or third parties under certain circumstances, or third parties may unlawfully intercept or access transmissions or private communications. We can (and you authorize us to) disclose any information about you to law enforcement or other government officials as we, in our sole discretion, believe necessary or appropriate, in connection with an investigation of fraud, intellectual property infringements, or other activity that is illegal or may expose us to legal liability.
Therefore, although we use industry standard practices to protect your privacy, we do not promise, and you should not expect, that your Personal Information or private communications will remain private.

Gathering and Use of Anonymous Information
Each time a visitor comes to an Bright Credit Web site, we collect some information from the visit to improve the overall quality of the online experience, including product and service monitoring, product and service improvement, and targeted advertising. At the Bright Credit Web sites, we collect the visitor's domain name (e.g. whether the user is logged on from aol.com or cerfnet.net), referral data (e.g., we record the address of the last URL a user visited prior to clicking through to an Bright Credit Web site), and browser and platform type (e.g., an Internet explorer browser on a NT platform).

In addition to collecting these types of information, Bright Credit collects aggregate queries for internal reporting and targeted advertising. We also count, track, and aggregate the visitor's activity into our analysis of general traffic flows at our sites (e.g. tracking where traffic comes from, how traffic flows within the Bright Credit properties, etc.). To these ends, we may merge information about you into group data, which may then be shared on an aggregated basis with our advertisers; but Bright Credit will not disclose your individual identity or personal data without your permission. When Bright Credit does present aggregated information to outside companies, no one will be able to identify or contact you.
When appropriate, users will be given the opportunity to receive information from third-party organizations in connection with services or events offered by Bright Credit. This option may be made available through a Bright Credit Web site registration and/or through registration processes maintained by a participating third party. In all cases, you will be informed before you register for the event or service that a third party will be receiving the registration information you provide and you will have the option not to participate in any service or event that requires third party involvement.

Use Of Bright Credit Cookies
Bright Credit Web sites use cookies to track traffic flow and patterns of travel within and through the sites. Cookies are a standard Internet technology that allow us to both store and retrieve login information on a user's system. Our Web server automatically asks a new user whether his or her browser will agree to accept a Bright Credit cookie file. If a visitor accepts, our Web server will identify the user's cookie for Bright Credit’s use in internal reporting. If a user accepts a Bright Credit cookie, but would later like to remove it from his or her computer, he or she can just remove it from their browser.

Demographic Information
When we do present information to our advertisers, it is in the form of grouped statistics compiled from our users' answers to survey questions and on-site behavior. Bright Credit will not disclose the contact or demographic information of any individual user to advertisers or any other outside organization without the express permission of the individual
BRIGHT CREDIT Promise
Information is the cornerstone of our ability to provide superior service. Our most important asset is our clients' trust. Keeping client information secure, and using it only as our clients would want us to, is a top priority for all of us at Bright Credit. This is our promise to you:

• We will safeguard, according to strict standards of security and confidentiality, any information our clients share with us.
• We will limit the collection and use of client information to the minimum we require to deliver superior service to our clients, which includes advising our clients about our services and other opportunities, and to administer our business.
• We will permit only authorized employees, who are trained in the proper handling of client information, to have access to that information.
• We will not reveal client information to any external organization unless we have previously informed the client in disclosures or agreements, been authorized by the client, or are required by law.
• We will not use or share personal information for any purpose other than the underwriting or administration of a client's account or file, or as disclosed to the client when the information is collected, or to which the client consents.
• We will attempt to keep client files complete, up to date, and accurate.
• We will continuously assess ourselves to ensure that client privacy is respected.

Security
This site has security measures in place to protect the loss, misuse and alteration of the information under our control. Bright Credit uses industry standard efforts to safeguard the confidentiality of your personal identifiable information, such as firewalls and Secure Socket Layers. However, "perfect security" does not exist on the Internet.

Links to Other Sites
Please note that this site contains links to other web sites. Bright Credit is not responsible for the privacy practices of or the content contained in other web sites. When you use a link to go from this site to another web site, or are otherwise directed or redirected to another web site, this Privacy Policy no longer applies. Your browsing and activity on such third party web sites are subject to their own respective privacy policies, if any, which may differ from that of Bright Credit.

Opt Out
Our clients have the opportunity to opt out receiving further communications from us at any time. Our clients can do so by sending an e-mail to info@BrightCredit.com.
To exercise your right to opt out of having your Personal Information used for any purpose other than the service that you have specifically inquired about or requested, or if you would like to direct us not to make certain disclosures, please e-mail us with a detailed description of your request at the following address: info@BrightCredit.com.
If you do not opt out, your Personal Information may be used as described in this Privacy Policy.