Effective Date: 7/18/2017
Please note that we review our privacy practices from time to time, and that our practices are subject to change. We ask that you bookmark and periodically review this page to ensure continuing familiarity with the most current version of our Policy. All amended terms shall be automatically effective after they are posted on the Site and applied retroactively if you use the Site after this Policy is amended.
By using or accessing the Site, you agree to be bound by the terms and conditions of this Policy. If you do not agree with the terms of this Policy, please do not use or access the Site.
A primary purpose of collecting information from you is to provide you with a safe, smooth, effective, and personalized experience. We will only collect information about you that we consider necessary.
Our servers log the standard non-personally identifiable information that accompanies Internet transmissions, like the date and time of a visit, browser type, IP address, and type of device. My411 also collects a visitor's state and zip code to provide more personalized marketing offers. My411 may store cookies on a visitor's device in order to manage a visitor's session on the Site. You may opt-out of receiving cookies by adjusting your web-browser settings to reject cookies. If you reject cookies, you may not be able to fully utilize the Site. A detailed summary of cookies can be found below. By using or accessing the Site, you agree that My411 may collect your information as outlined above.
"Cookies" (including without limitation "confirmation pixels" for crediting affiliate marketers and/or for other purposes) are small files used to store, and sometimes track, information about you. They are sent to your browser from a webserver and placed on your device's hard drive to assist us in providing our services. Generally, cookies help provide personalized services and promote trust and safety. The Site may require that you accept cookies. Our cookies are only read by the server that placed them, are unable to execute any code or virus, and do not permit us to determine the identity of, or gather any other personally-identifiable information about a specific user.
To learn more about cookies, click the links below:
When you visit the Site you are sharing information (outlined above) with My411. You acknowledge that data can be collected, maintained by, or transferred to a company, or other entity, including, but not limited to, lenders, within the sole judgment of My411. You also acknowledge and agree that the data can be combined and/or refined and/or used in any other manner with data from any of the websites owned and/or operated, in whole or in part, by My411.
Please be advised that My411 advertisers or websites that have links on the Site may collect personally-identifiable information about you. The privacy practices of those advertisers or websites linked to the Site are not covered by this Policy.
The Site will not disclose your information except as described below:
We may contact you (i) if you use the services provided by the Site or if you contact us directly by mail or email, (ii) regarding any problems or for website misuse, (iii) regarding our services, such as new Website features or other updates, (iv) about "special offers" from our partners, and (v) to provide advanced notice with regard to FACTA provisions. Simply unsubscribe if you do not wish to receive optional communications.
Recognizing the global nature of the Internet, you agree to comply with all applicable local laws and regulations regarding online conduct and privacy, as well as content. Specifically, but not as a limitation, you agree to comply with all applicable laws regarding transmission of technical and personal data exported from the United States or the country in which you reside.
We do not tolerate spam. You are not licensed to add us to your mail (whether email or physical mail) list. Additionally, you are not licensed to add any user to your mail (whether email or physical mail) list without his or her affirmative consent. You are not licensed to use spam in promoting the Site.
Whenever the Site handles your information, we take steps to ensure that the information is treated securely and in accordance with this Policy. Your information is stored on our servers located in the United States. We use reasonable procedural and mechanical safeguards to protect your information against loss or theft as well as unauthorized access and disclosure to protect your privacy, including encryption. Please note, however, that no method of data transmission over the Internet or method of electronic storage is 100% secure. We cannot, therefore, warrant or ensure the security of any information collected or from the services offered, and visiting the Site is done so at your own risk. Once we collect user information, we make our reasonable best effort to ensure its security on our systems.
My411 reserves the right to transfer any and all information that we collect from visitors, or that we otherwise collect concerning or in connection with the Site, to a third-party in the event of a sale or other transfer of assets or of any portion of our business. Ultimately, you are solely responsible for maintaining the secrecy of your information. Please be careful and responsible.
This website is not intended for use by individuals under the age of 18. We are in compliance with the requirements of the Children's Online Privacy Protection Act (COPPA) and we do not knowingly collect any information from anyone under 13 years of age. Our website, products and services are directed to people who are at least 18 years of age and older. When notified of a user who is not over the age of 18, our website will take immediate remedial measures to remove that individual from our user database.