The Credit Wiki does not host the domain site "C," please be aware that all hosting is carried out by third-party hosting providers which we select. This will mean that the data that you supply to us, or if third-party services or ourselves collect from you (including personal information) is hosted through third party service providers, on their servers which they own and control. The third party service providers themselves, and their servers can be located anywhere in the world (some are US based). Please be aware that your data may be replicated across multiple servers which are located in various countries. Once you access our services, you will be consenting to your data being transferred to numerous third-party companies located around the world.
The Credit Wiki receives this information because:
(a)You have provided this information directly to us;
(b)We have collected this information from you; and
(c)The third parties that we work with (including data analytics providers) collect this from you on our behalf. This will occur in cases where we use or deploy third-party tracking technology, or where we otherwise give these third parties access to our technology. Please refer to how we describe below in Section 4 (Information We Collect from You) how we collect information from you. You will be acknowledging that such collection may also be carried out by third parties.
*Personal Information: this means that your information may be used either alone or in combination with additional information to personally identify an 'individual' by their first & last name, email, address, phone number, or any other physical address provided by yourself. Including any additional contact information.
*Anonymous Information: this refers to any details that are not listed in under 'personal information' such as aggregated information.
3)Information which you supply to us: At present, we do require that you can provide us with certain types of personal information for you to use the site, and benefit from its features. Please find some examples:
3.1 Job Application: If you apply for a job with The Credit Wiki, on/via the site we will require you (or in some cases, provide the option) to supply specific pieces of your Personal Information such as your full name and email address.
3.2 Contact Us: If you complete a 'Contact Us' form, or request whether you have submitted this via the online form or email on the address displayed on the site. Alternatively, if you have completed the feedback or reporting feature, you may be required to supply us with your personal information such as your full name and address.
3.3 Purchases: Our site does offer the option of purchasing products and services directly from us. If you opt to make a purchase, we will, in turn, require sufficient personal information to process the selected purchase. Such information could include a credit card number and related account and billing information. We may use the products and services of third party service providers to process these purchases, in which case you will be providing the information to them as well.
3.4 Blog, Newsletters, Surveys & Promotions: The Site contains a blog forum displaying information about The Credit Wiki and its products and services. The Site may also offer you the opportunity to subscribe to newsletters and participate in surveys and other promotional activities. In each of the preceding cases, your interaction (such as responding on the blog forum, subscribing to a newsletter, or participating in a survey) may require you to provide specific Personal Information such as your name and email address.
4)Information We Collect From You: We collect both Personal Information and Anonymous Information from you in the following ways:
4.1 Log files, device & usage data: We will receive your information through server log files, but also by deploying tracking technologies within the Site. The reason that we accept this data is to analyze trends, track user movement around the Site, gather demographic information, and to generally collect information that we may find insightful or helpful. The type of information obtained may include (but is not limited to) internet protocol (IP) addresses, MAC address, phone number, device type, browser type, operating system type, type of browser, Internet Service Provider (ISP), date/time stamp of Site use, referring/exit pages, and clicked pages. For example, the Site uses Google Analytics, more information on which you can find here: https://www.google.com/intl/en/policies/privacy/partners/.
5.1 Provide access to our site: We will use your Personal Information to (a) administer and provide the Site to you. (b) To develop and improve the overall functionality of the Site. (c) Send you updates, promotions, offers, or other news of/about the Site or The Credit Wiki. (d) Respond to communications with you. (e) Identify or authenticate your access and use of the Site or an Account. (f) Send you advertisements or other third party marketing content.
5.4 Enforcement: There may be instances where we will have to share your Personal Information with any third party if we believe that disclosure of such information is helpful or reasonably necessary to (a) comply with any applicable law, regulation, legal process, or governmental request. (b) Enforce the Website TOU, including investigations of potential violations thereof; (c) detect, prevent, or otherwise address fraud or security issues; and (d) protect against harm to the rights, property or safety of The Credit Wiki, our users, yourself or the public.
6)Publically Available Information: Any content, or information that you make publically available on or via the site, will be visible and publically available to other users of the site. If you actively or passively allow your contact information to be public, you may receive unsolicited messages or activity from other users of the Site. We, therefore, encourage you only to post information that you are sure you want to be publicly accessible.
7)Access, accuracy & deletion: We always strive to maintain accurate personal information. If you would like to make amendments to or delete any of the personal information that you have previously supplied to us, we have created tools available on the site for you to do this. If you wish to delete any information, please contact us for support at [email protected] to request deletion (although we do not undertake to respond to, or otherwise implement, the request within any period). Please be aware that information deleted (whether directly by you or under a delete request) may or may not be permanently removed by The Credit Wiki, and may remain stored on our servers. In such cases, the information will no longer be accessible to you. We, in our sole and absolute discretion, decide whether or not to delete data from our servers permanently.
8)Opt-Out: If you decide that you do not want to receive any future promotional, advertising or site-related emails, you can select the unsubscribe link which is located at the bottom of every email that we send. Please be aware that if you opt out of this email service, we may still send you administrative emails to help you access our site, if this is still required.
10)Children's Privacy: Our site is not designed, nor does it want an association with children under the age of 13. So please note that we do not intend any Personal Information from anyone that we know, or suspect to be under the age of 13. If we learn that we have collected Personal Information from a child under 13, we will use commercially reasonable efforts to delete that information as quickly as possible. If you believe that we might have any such information, please contact us at [email protected]
11)Security: Please be aware that we always use administrative, physical and technical safeguards to protect your personal information. However please acknowledge that no method of transmission over the Internet, or method of electronic storage, is ever 100% secure. Therefore, while we try to use reasonably acceptable means to protect your Personal Information, we cannot guarantee its absolute security or confidentiality. If you have any questions about safety on the Site, you can contact us at [email protected]
12)Merger, sale or bankruptcy: If Applies Now Credit is acquired or merged with a third party entity we may (and have the right to) transfer and assign the Personal Information that you have supplied, or we have collected or received. In the event of a bankruptcy, insolvency, receivership, or comparable event, we may not be able to control how your Personal Information is treated, transferred, or used.
13)California Privacy Rights: California Civil Code Section 1798.83 permits our customers who are California residents to request specific information regarding our disclosure of Personal Information to third parties for their direct marketing purposes. If this applies to you, you can submit a request and send an email to [email protected] Please be aware that we are only required to respond to one request per customer each year.
14)Our California 'Do Not Track' Notice: At present we do not currently respond, nor take any action concerning the web browser 'do not track' signals, or any other application that can provide our consumers with the ability to select how the collection of personal data is acquired. There may be times when we may allow third parties, such as analytic companies to gather Personal Information about specific consumers' online activities over time, and across various sites.
15)Deletion of Content for California Residents: If you currently are a resident of California and are under the age of 18 and a registered user of the Site (for example, if you have an Account), California Business and Professions Code Section 22581 permits you to remove content or information you have publicly posted. If you wish to remove such content or information and you specify which content or information you want to be removed, we will do so by applicable law. Please be aware that after removal you will not be able to restore deleted content or information. Also, such removal does not ensure complete or comprehensive removal of the content or information you have posted and that there may be circumstances in which the law does not require us to enable removal of the content or information.
TheCreditWiki, can make searching for the best card far easier, especially when you need to consider several factors. You may not be aware, but there are a few cards that have APR rates that you will need to review before signing the contract with the bank or lender. You will also need to consider financing costs, and anticipate what you are going to need the card for, is it going to be a single one-off purchase, or do you want to carry a monthly balance? Understanding the potential financial implications is crucial, for example, if you don't make your required monthly or bulk payment by the agreed date, then your financing costs will increase. If this happens, you will incur several costs – such as paying the full current balance, and fees to the credit card issuer/bank. Another important factor is interest fees. Please be aware that they can fluctuate; they can shift from as low as 0% to as high as 35%. So, before signing the contract, review the credit card applications for any specifics regarding the interest rates, as they will be stated in the terms and conditions. TheCreditWiki strive to provide our customers with the most current, and up-to-date information, regarding rates, benefits and many more. Please do remember that the credit card offers that we have listed, are displayed without guarantee. If you want to affirm the terms and conditions, click on "Apply Now." You will be able to learn more about the full credit card offer, on a secured page that will be supplied by the card issuer(s). You will see the list of the best credit cards options currently available on the market listed below. We have provided you with all the relevant information about each provider to ensure that you will make an informed and confident decision.
When searching for the best credit card TheCreditWiki can help you to make the best decision based on your lifestyle and financial history. TheCreditWiki is a free service and promotes bolstered credit examination, through a comparison entity. The offers that you will see on thecreditwiki.com are from organizations, which thecreditwiki.com will receive remuneration.
Our reimbursement sometimes impacts the surveys, but it is only the order
that the classifications appear in, and nothing else. They will appear on our featured pages, but
you can still opt to use the best option for you, and we strive to provide this regardless of the
compensation that we may receive.
Please be aware, that this may affect the order in which these credit offers appear. Also, thecreditwiki.com does consider the restrictive guidelines of each lender, and the probability of the consumers' credit history. They will take this information into account, and will decide how, and when the credit cards offer will appear on the site.
Some of the web search services provided herein are provided by providers of third-party web search services. For information on the web search services data collection, please visit the end user privacy statements of CodeFuel here and Bing http://go.microsoft.com/fwlink/?LinkId=521839, both as updated from time to time and at any successor locations.