Privacy & Policy

Credit Spread Cheat Sheet, LLC (referred to hereinafter as “CSCS,” “we,” or “us”) has created this privacy policy (hereinafter referred to as the “Privacy Policy”) to disclose our information gathering and dissemination practices. You agree to this Privacy Policy, in its entirety, when you: (1) access or use creditspreadcheatsheet.com (the “Website”); and/or (2) purchase, subscribe to, or register to use any of CSCS’s Website tools or other online services. If you do not agree with the terms and conditions of our Privacy Policy, please do not use or access the Website or purchase, subscribe to, or register to use any of CSCS’s Website tools or other online services.

Privacy

Your privacy is very important to us. We are committed to safeguarding the information you entrust to us through use of the Website and/or your subscription to our services. The Website is not directed at individuals under 18 years of age. Individuals under 18 years of age are not permitted to use the Website and/or submit their personal information on the Website. CSCS does not knowingly solicit or collect information from individuals under the age of 18. By agreeing to this Privacy Policy, you affirm that you are at least 18 years of age.

What this Privacy Policy Covers

This Privacy Policy covers CSCS’s treatment of personally identifiable information that CSCS collects when you use its Website and/or services. This policy does not apply to the practices of companies that CSCS does not own or control, or to people that CSCS does not employ or manage.

Information We Collect

CSCS collects personally identifiable information when you use the Website and/or purchase, subscribe to, or register to use any of CSCS’s Website tools or other online services.

CSCS may collect nonpublic personal information from you in a variety of ways, including online forms for ordering products and services, and other instances where you are invited to volunteer such information. The type of information we may collect from you includes, but is not limited to: your first and last name(s), your street address(es), your city, your state, your zip code, your phone number(s), your e-mail address(es), your IP address(es), time and date stamps for your visits to the Website, and any information required to process an application to receive product(s) and/or services being offered on the Website, such as credit card billing information.?While not all of the information that we collect from you is nonpublic personal information, the information we collect may be associated with nonpublic personal information that you provide us through the Website. We may also collect nonpublic personal information from you pursuant to the terms of the sections of this Privacy Policy entitled “Cookie Technology.”

Each time a visitor comes to an CSCS website, CSCS’s servers — like most on the Web — collect some basic technical information, including, for example, the visitor’s domain, referral data including the last URL a user visited prior to clicking through to the Website, and browser and platform type. We also count, track, and aggregate the visitor’s activity into our analysis of general traffic flows at the Website (e.g. tracking where

traffic comes from, how traffic flows within the Website, etc.). CSCS collects non-identifiable information to measure how our registered users and subscribers use the Website. This information may include statistics about the numbers and timing of unique visits to our web site(s), repeat visits, and which pages are viewed.

Cookie Technology

CSCS may also collect information about how you use the Website. For example, we may track the number of unique views received by the pages of the Website or the domains from which unique views originate. We may use “cookies” to track how you use the Website. A cookie is a piece of software that a Web server can store on your computer and use to identify you should you visit the Website again. CSCS may set and access cookies on your computer. We use cookies in a limited way to speed access to the Website, to identify unique browsers that visit the Website, and to track usage of the Website.

CSCS gathers anonymous information about our users through cookie technology on an aggregate level only.

How We Use The Information

CSCS uses information for four general purposes: To verify you are a subscriber, to customize the content you see on the Website, to fulfill your requests for certain products and services, and to contact you about specials and new products.

CSCS will only use your nonpublic personal information collected through your use of the Website or your purchase, subscription to, or registration to use any of CSCS’s Website tools or other online services for the purposes set forth in this Privacy Policy. By agreeing to this Privacy Policy, you consent to the use of your nonpublic personal information as set forth herein.

CSCS uses registration and subscription information to maintain records about your use of our services, for billing purposes, and for us to occasionally send you information on products and services that we offer. THIS INFORMATION IS NOT SHARED WITH ANY THIRD-PARTY, unless specifically stated or in other special situations described below.

In addition to the uses set forth above herein, CSCS may use information collected through the Website for research regarding the effectiveness of the Website and CSCS’s marketing and advertising efforts, to analyze trends, administer the Website, track users’ movements, and gather broad information for aggregate use. IP addresses are not linked to personally identifiable information.

CSCS will not sell the personal information that you supply to us or disclose the information to third-parties for any purpose other than those set forth in this Privacy Policy. In order to carry out the uses set forth in this Privacy Policy, it may be necessary for CSCS to disclose aggregate, anonymous data obtained from you to third-parties. We may also disclose nonpublic personal information about you as permitted and/or required by law. By agreeing to this Privacy Policy, you specifically consent to such disclosure.

Subscriber and Site Visitor Surveys

From time to time, CSCS may conduct surveys, although you don’t have to respond to them. This research is compiled and analyzed only on an aggregated (group) basis. We do this to better understand our users’ needs and improve your overall experience when using our service. Your personal information and responses will

remain strictly confidential, even if a third-party conducts the survey. We may also notify you of a new product or new area of the Website that we think may be of interest you. If you’d prefer us not to contact you, simply click on the “Unsubscribe” link at the bottom of the e-mail or reply to the e-mail with “Remove me” in the body of your message.

Opt-In and Opt-Out

By agreeing to this Privacy Policy, you authorize us to contact you with new offers and information via e-mail messages (“E-Mail”). By agreeing to this Privacy Policy, you expressly agree to receive E-Mail sent by CSCS. Your mobile service provider’s standard data and messaging rates will apply to all E-Mails received on your mobile device. All charges are billed by and payable to your mobile service provider. By agreeing to this Privacy Policy, you represent that you are the owner or authorized user of the wireless device on which E-Mail messages will be received, and that you are authorized to approve the applicable charges.

We do not guarantee that your use of your mobile device to receive E-Mail will be private or secure, and we are not liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures best suited for your situation and intended use of the E-Mail.

You have the right to opt-out of receiving E-Mail messages at any time. If you wish to opt-out of receiving E-Mail from us, simply click on the “Unsubscribe” link at the bottom of the e-mail or reply to the e-mail with “Remove me” in the body of your message. We will have ten (10) days from receipt of your E-Mail to remove you from our E-Mail service list.

Account Information and Preferences

CSCS gives you the ability to edit your account/subscriber information and preferences at any time. Log in as usual. Visit “Manage Subscriptions” and then “Edit Profile” to edit your account/subscriber information and preferences.

Security

Access to your personal information is password-protected for your privacy and security. We use industry-standard SSL-encryption to protect data transmissions. CSCS works to ensure the integrity and security of our network and systems. Information about you that is maintained on our systems is protected using industry standard security measures that include, but are not limited to, security measures in place to protect the loss, misuse, and alteration of the information under our control. We do not store financial information, credit card numbers or social security numbers on the Website. However, due to the nature of the Internet, computer networks, systems and other factors, we cannot guarantee that the information submitted to, maintained on, or transmitted from our systems will be completely secure. Additionally, the Website may contain links to other Internet web sites. We are not responsible for the privacy practices or the content of such Internet web sites.

Changes to this Privacy Policy

CSCS reserves the right to revise, amend, or modify this policy and our other policies and agreements at any time and in any manner. If we make any substantial changes, we will notify you by posting a prominent announcement on the Website. By agreeing to this Privacy Policy, you consent to receive your notice of the privacy policy via the Website. Any and all changes to this Privacy Policy are effective immediately upon posting on the Website. Your continued use of the Website and/or continued subscription to any service offered by CSCS constitutes your acknowledgment and acceptance of the modified Privacy Policy.