Privacy Policy

The Credit Guru’s Customer Privacy Policy

Last updated November 2015
JMR Ventures Inc.

Protecting your privacy is extremely important to The Credit Guru. We strive to keep your personal information confidential. By ensuring that you are aware of and understand The Credit Guru Client Privacy Policy, we can provide you with better service. Please take a moment to read the following policy to learn how we handle your personal information.

Why we collect personal information

We collect personal information to enroll you in our service. The information we require is the absolute minimum necessary. The Credit Guru uses your personal information to provide you with superior customer service, and to communicate with you regarding your case. In addition, we use your personal information to keep you up to date on the latest service announcements, feature updates, special offers, and other information we think you would like to hear about.

How we collect personal information

We collect information about you at the time you sign up for our service, and any time we enter information from your credit report into our database. In addition, when you sign up for The Credit Guru service, or ask to be included in an email mailing list, we collect and store the information you provide. All client information which is stored is kept in a secure offline database.

When we disclose personal information

Because the ability to communicate with our clients during any part of the credit recovery process is absolutely essential, your personal information may be shared with each employee and staff member of The Credit Guru. The Credit Guru staff will protect your personal information in accordance with The Credit Guru Customer Privacy Policy. The Credit Guru will not share your personal contact information with a third party unless you specify otherwise with the exception of the three major reporting agencies (Experian, Equifax and Transunion) since it is necessary for identification information to be shared with these companies in order for them to process the dispute requests we send on your behalf.

Your address information may also be provided to shipping agencies so that they may deliver correspondence from us to you and from us to the credit bureaus on your behalf. At your request, we may also send written correspondence on your behalf to a third party which will only include the personal information you authorize us to use at that time.

How we protect your personal information

The Credit Guru safeguards the security of the data you send us with physical, electronic, and managerial procedures. We urge you to take every precaution to protect your personal data when you are on the Internet.

The Credit Guru’s web site uses industry-standard Secure Sockets Layer (SSL) encryption on all web pages where personal information is required. To sign up for The Credit Guru’s service, or to log into the web site, you must use an SSL-enabled browser such as Netscape Navigator 3.0 or later, or Internet Explorer.

Collecting other personal information

When you browse The Credit Guru’s web site, you are able to do so anonymously. We do not collect personal information when you browse — not even your email address. Your browser, however, does automatically tell us the type of computer and operating system you are using.
Like many web sites, The Credit Guru’s web site uses “cookie” technology. When you first connect to our site, the cookie identifies your browser with a unique, random number. The cookies we use do not reveal any personal information about you, except perhaps your first name so we can welcome you on your next visit. Cookies help us understand which parts of our web sites are the most popular, where our visitors are going, and how long they spend there. We use cookies to study traffic patterns on our site so we can make the site even better.

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. Any information that these third parties collect via cookies and action tags is completely anonymous.

Our company-wide commitment to privacy

To make sure your personal information remains confidential, we communicate these privacy guidelines to every one of The Credit Guru’s employees and staff members.

The Credit Guru does not knowingly solicit personal information from children or send them requests for personal information.

The Credit Guru’s web site does contain links to other sites. The Credit Guru does not share your personal information with those web sites and is not responsible for their privacy practices. We encourage you to learn about the privacy policies of those companies.

If we are going to use your personal information differently from that stated at the time of collection, we will try to contact you via email using the most recent information we have. If you have not given us permission to communicate with you, you will not be contacted, nor will we use your personal information in a new manner.

The Credit Guru’s Customer Privacy Policy is subject to change at any time. We encourage you to review the privacy policy regularly for any changes.