Privacy Policy

This document was last updated on February 21th, 2010 5:00 pm.

Our Privacy Policy is designed to assist you in understanding how National Credit Auditors, Inc collect and use the personal information you provide to us and to assist you in making informed decisions when using our site, our products and services.

  1. Acknowledgement and acceptance of terms
    1. National Credit Auditors, Inc is committed to protecting your privacy. This Privacy Statement sets forth our current privacy practices with regard to the information we collect when you or your computer interact with our website. By accessing www.NationalCreditAuditors.com, you acknowledge and fully understand National Credit Auditors, Inc Privacy Statement and freely consent to the information collection and use practices described in this Website Privacy Statement.
  2. Information We Collect and How We Use It
    1. National Credit Auditors, Inc collects certain information from and about its users in four ways: directly from our Web Server logs, with Cookies and Web Beacons, directly from the user, and from credit reporting agencies after you have signed up for our service and authorized us to do so.
      1. Web Server Log Files
        1. Every visit to any page of the National Credit Auditors, Inc Web site is automatically recorded in a log file created by the Web server operating software. These log entries record information about the visit that is used to understand how many visitors come to the site and how they use it. These log entries cannot be used to identify any individual person. All visits recorded in this way are anonymous.
        2. Examples of the types of information automatically recorded include:
          1. The date and time of the visit.
          2. If the Web site was reached by using a link from another Web site, the name of the referring site is recorded.
          3. If the Web site was reached using Web search software, the word or phrase searched for is recorded.
          4. The type of computer operating system used.
          5. The type of Web browser software used.
          6. The Internet domain name each visitor uses. This is the name of the visitor's Internet Service Provider.
          7. The Internet Protocol address (IP address) of the computer used to access the Web site. This number is needed by the Web server to send each page to the visitor who requested it.
        3. The data collected in these log files is analyzed to extrapolate information about how visitors use the Web site. This includes, but is not limited to:
          1. Counting the number of visitors for a given time period.
          2. Measuring the average number of pages viewed during each visit.
          3. Measuring the average length of time each visit lasts.
          4. Identifying the most frequently visited pages.
          5. Understanding how visitors reach the site, and how they navigate within the site.
        4. These analyses are used to generate reports on Web site traffic. The reports are distributed to National Credit Auditors, Inc employees involved with publishing material on the Web site, so they may better understand how the site is used, and to make improvements.
      2. Use of Cookies and WEB beacons
        1. National Credit Auditors, Inc website uses "cookie" and "web beacon" technology. This information is used to help us serve you better by improving our website design, as well as our products, services, and promotions. Non-personally identifiable information obtained through cookies and web beacons may be shared with or obtained by service providers on our behalf.
        2. A cookie is a small data file that is placed on the hard drive of your computer when you visit a website. A "session cookie" expires immediately when you end your session (i.e., close your browser). A "persistent cookie" stores information on the hard drive so when you end your session and return to the same website at a later date, the cookie information is still available. A web beacon is a small string of code that represents a clear graphic image and is used in conjunction with a cookie.
        3. When you visit National Credit Auditors, Inc website, we may use both a session and a persistent cookie. This cookie may contain information (such as a unique user ID) that is used to track your usage of our website. A web beacon allows us to capture certain additional types of information about a visitor's actions on a web site, such as a visitor's cookie number, the time, date, duration and number of page views, and a description of the page where the Web beacon is placed.
        4. You can disable cookies at any time by using your browser options
      3. Personal Information Supplied by Users
        1. We will ask you to provide a minimum of personal information that we store on our servers. We do this in order to:
          1. Enroll you in our credit repair service.
          2. Contact you about our latest services, feature updates, or special offers we feel you will be interested in.
          3. Contact you, or have an authorized agency designated by us contact you, to participate in a market research survey to gauge our client satisfaction to improve our services.
        2. We will not disclose personally identifiable information we collect from you to third parties without your permission except to the extent necessary including:
          1. To protect ourselves from liability
          2. To respond to legal process or comply with law
          3. To mail or deliver to you certain documents that may be required in the course of our service to you
          4. In connection with a merger, acquisition, or liquidation of the company.
        3. National Credit Auditors may institute a Client Id and allow you access to your information, via personal password login procedures, in order to view the status of your service requests and to update personal information needed to complete your requests.
          1. Our systems will assign you a unique National Credit Auditors Client ID and allow you to choose your own password. Inputting your Client ID and Personal Password will allow the system to look up your client information for your review and input.
      4. Third Party Agencies
        1. We will review and record information supplied by you from credit reporting agencies, and will store that information on our secure server. We do this to:
          1. Identify the items on your credit report you wish repaired
          2. Track the status and progress of each item we are working on to remove from your credit report
          3. Create an accurate timeline in the repair process by type of item being removed
    2. Commitment To Data Security
      1. To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.
      2. National Credit Auditors, Inc uses industry-standard Secure Sockets Layer (SSL) encryption on all web pages where personal information is required. This protects the confidentiality of your personal and credit card or checking account information while it is transmitted over the Internet.
    3. Changes to this Statement
      1. National Credit Auditors, Inc has the discretion to occasionally update this privacy statement.
      2. This policy replaces all previous disclosures we may have provided you about our information practices. We reserve the right to change this policy, and to apply any changes to information previously collected, as permitted by law. If there are material changes to this policy or our information practices change in the future, we will notify you by posting the policy changes on our website.
    4. Contacting Us
      1. If you have questions regarding our Privacy Statement, its implementation, or failure to adhere to this Privacy Statement and/or our general practices, please contact us using the information available on the contact page.