Privacy Policy

Thank you for visiting https://www.comparecredit.com/ (the “Site”). The Site is operated by CompareCredit LLC (“Company,” “we”, “our” or “us”). Your visit to the Site is subject to this Privacy Policy. This Privacy Policy is mostly intended to inform our Site visitors, whom we do not need to personally identify when they visit the Site. Please understand that if you contact us using the Contact Us details in this Privacy Policy or under our separate Terms of Use, we could have more information about you than we have when you merely browse our Site, which does not require our knowing your name or how to contact you.

Site visitors’ personal information will be processed in accordance with this Privacy Policy. This Privacy Policy provides information regarding how we collect and process our Site visitors’ personal information, which is very limited in what we collect unless you specifically contact us and identify yourself to us. When we refer to “personal information” in this Privacy Policy, we mean information that directly or indirectly identifies you or can be used to identify you as an individual, but for most Site visitors we only have an IP address and their activities on the Site, which we do not use to identify persons specifically.

This Privacy Policy does not apply to information about a Site user a financial institution or business partner may collect about someone after they navigate away from our Site to a third-party website, whose separate privacy policies will apply in such event. Our advertising partners who advertise the Site and our services on our behalf across other third-party websites may recognize you on our Site based on other websites you have visited or other information they have about you, but they don’t tell us who specifically sees our ads (or identify you to us). Many websites collect a lot more information about their website visitors, so we wanted to explain how your visit to our Site may differ from visits to other sites.

We recommend that you periodically review the Privacy Policy for any updates. If you do not agree with any provision of this Privacy Policy, do not use the Site.

When you use or interact with the Site, we may collect personal information about you in two different ways: (1) information you provide to us and (2) information we collect automatically through technology. Either way, we need only limited personal information to offer our services via the Site.

Let’s start with what happens the least – Site users specifically contacting us: Unless you specifically seek to contact us, we generally do not need to know (or seek to know) who is using our Site to be able to provide our services via the Site. Site visitors do not need to provide information to us identifying who they are to use services via the Site.

Here's how we may know who you are: If you email or mail us under a Contact Us communication, we may have more information about you from that communication, as provided by you, which we would use to respond to your query to us.

Our business contacts of our business partners and service providers generally contact us outside of the Site via business email and phone communications. We use their names, titles, company, address, email address, and phone numbers to conduct our business with them. Should they need to reach us outside of their normal communication channels with us, see Contact Us below.

We and our service providers on our behalf need to collect IP address and click path or activities of Site visitors when they are on the Site to provide our services via the Site; we cannot do so otherwise. We refer to this limited information as “Site Presence Data.” This Site Presence Data is considered personal information and could be used to identify you when paired with other information that we do not collect via the Site, but we do not need to identify users to provide our Services via the Site.

Our service providers may also use automatic data collection tools, including cookies, pixels, or other tracking technologies to collect Site Presence Data to help us make the Site available and to help with our marketing and improve and tailor the Site experiences. In addition to the Site Presence Data, our service providers may also collect the URL of the last and next website you visit, your browser and operating system, your Internet Protocol (“IP”) address, how long you spend on the Site, and what pages you view for them to help with our marketing.

You may adjust your browser or device settings used to access the Site to limit transmission of your Site Presence Data and other elements of your digital footprint. If you do, you may not be able to access the full functionality and features available on the Site.

You may see additional information regarding the cookies, pixels, or other tracking technologies used on this Site at the end of this Privacy Policy in its Addendum.

To be able to make our financial product review and referral services available, we track who visits a financial institution’s website from a link on our Site based on the limited Site Presence Data we have about you. We are not a financial institution ourselves, we do not offer financial products and do not control any linked third-party websites, which have their own separate privacy practices you should review on the separate sites. We do not sell your data to websites you visit from links on our Site; it is up to you in your own personal discretion to determine whether to learn more about a particular financial product or apply for it, and if you choose to do so, you separately provide your personal information to the issuer as requested on their website and subject to their separate privacy practices.

We may also use personal information of Site visitors to communicate regarding your requests to us, to prevent fraud, to protect the security of our systems, to comply with applicable laws, to protect the Company and the rights of our users and partners.

We sometimes engage on third-party social media websites regarding our business and services on those third-party sites, but we do not collect data about users of those sites, followers of our accounts or others and carry it over to keep and use in our business operations, which are focused on the Site and our services from the Site.

Our third party service providers help us operate the Site and assist us to collect the data described above under “Information Collected Automatically; Site Presence Data.” They have access to limited personal information from you via the Site for the purposes as described above. We do not control whether they may also have other data about you from other websites you may visit.

Financial institutions may let us know when someone on our Site applies for or obtains a financial product from them for our business information purposes; this communication would not identify a user by name and occurs by comparing IP addresses on our Site and their site.

We may disclose your personal information to third-party service providers to facilitate our services, perform functions on our behalf, such as, without limitation, providing technical, analytical, hosting and marketing functions for the Site, to receive advice from our legal and financial advisors and to operate and manage our business. We reserve the right to transfer your information in the event of any liquidation, dissolution, or merger or the sale or transfer of our assets and/or business or any portion of our assets and/or business. We will not otherwise share your personal information, except as required or permitted by law; requested by governmental entity or law enforcement authority, subpoena, court order, or discovery request; or when we otherwise believe in good faith that such disclosure is necessary or appropriate in connection with any activity that (potentially) violates the law or our internal policies and procedures (including relating to intellectual property, fraud, contracts, and privacy) or may expose us to liability.

Your information may be visible to your internet service provider, wireless carrier, employer or other persons supporting the device you use to access the Site.

As described above under “Information Collected Automatically; Site Presence Data,” we do track on the Site to collect the limited Site Presence Data, without which we cannot offer our services. For this reason, we are unable to honor or respond to Do Not Track (“DNT”) signals directed to the Site.

For information regarding DNT and how to enable this setting, if available, on your devices please see https://allaboutdnt.com.Some third-party sites do keep track of your browsing activities when they serve you content, which enables them to tailor what they present to you. If you are visiting such sites, your browser allows you to set the DNT signal so that third parties (particularly advertisers) know you do not want to be tracked. You may consult the help pages of your browser to learn how to set your preferences so that websites do not track you.

We employ reasonable measures to secure our business information and systems, which include the Site and personal information; however, “perfect security” does not exist on the Internet, and there is always the risk that unauthorized persons may access or use your personal information. We will not be responsible or liable for any damages, losses, or causes of action arising out of or in connection with the disclosure of your personal information. You use the Site and otherwise send us such information if you contact us directly at your own risk.

In the last 12 months, we have collected each of the categories of personal information noted below and disclosed it, for a business purpose, to the categories of recipients in the table. The table also indicates when we sold or shared the personal information to third parties for targeted or cross-contextual advertising in the last 12 months and the types of third parties. For purposes of this Privacy Policy, when we use the term “third party” we mean entities that are not our service providers or contractors providing services on behalf of us, and that are not entities with whom you interact with directly.

We do not use or disclose Sensitive Personal Information outside of the permitted purposes set forth under Section 7027(m) of the CCPA Regulations.

Company retains your personal information for as long as necessary to fulfill the purposes for which such personal information was collected and in compliance with applicable laws. The criteria used to determine the retention periods include: (i) how long the personal information is needed to provide the Site services and operate the business; (ii) the type of personal information collected; and (iii) whether we are subject to a legal, contractual, or other obligation to retain the personal information (e.g., mandatory data retention laws, government orders to preserve data relevant to an investigation, or data that must be retained for the purposes of litigation or disputes).

We are a South Carolina, USA business. If you are a resident of another state, you may be able to exercise certain privacy rights in relation to your personal information that we or our service providers or contractors have collected (subject to certain limitations at law) such as the rights below. Our services are not intended for non-US residents.If you have a privacy rights request for us, please visit Contact Us below, unless a different option is offered in the chart below.

Please understand that for Site visitors, we collect only the Site Presence Data and do not need to identify you specifically. By making a privacy rights request to us you may need to disclose more personal information to us than we would otherwise have about you. To give effect to some privacy rights requests below, we will need to ask you to provide sufficient information for us to reasonably verify that you are the person about whom we collected personal information or an authorized representative of such person; and describe your request with sufficient detail for us to properly understand, evaluate, and respond to it.

The right to request the following information relating to the personal information we have collected about you and disclosed about you:

The right to access and obtain a copy of the specific pieces of personal information we have collected about you in a structured, machine-readable format that may be transmitted to another entity without hindrance, to the extent technically feasible.

The right to request that we correct your inaccurate personal information (if any) maintained by us.

The right to request the deletion or erasure of personal information we have collected from you, subject to certain exceptions.

We do not sell data to financial institutions, but you may seek a product from them directly on their website by following links on this Site to their separate Sites, and according to their separate terms.

We advertise generally; we do not specifically know who sees our advertisements. In the Addendum to this Privacy Policy, you can see the parties serving ads for us under “Advertising Cookies.” If you see an advertisement for the Site or our services after you leave the Site, you can contact the party serving the ad to limit ads they present to you, directly, or when you make an election by visiting DigitalAdvertisingAlliance.org if they participate in this Alliance.

Our Site also runs Google Analytics. To opt out of being tracked by Google Analytics across all websites, visit https://tools.google.com/dlpage/gaoptout.

Depending on your state of residency, if your privacy rights request is denied, we may provide an explanation for the denial and instructions on how you may appeal a denied request.

You can change your mind on how you exercise your rights.

California Civil Code Section 1798.83, known as the “Shine the Light” law, permits California residents to request and obtain from us a list of their personal information (if any) that we disclosed to third parties for direct marketing purposes in the preceding calendar year and the names and addresses of those third parties. Requests may be made only once a year and are free of charge.

It is up to you to determine to go to a financial institution’s separate website linked from our Site. If you elect to use that Site or apply for a financial product, you are separately providing your personal information to the operator of that website.

We do not discriminate against you for request any of the rights noted above. We are permitted to deny or limit your request in accordance with applicable laws.

Please see chart above as well as the instructions immediately preceding the chart.

For some requests, we will not be able to respond to your request if we cannot verify your identity or authority (or your authorized agent’s authority) to make the request and confirm that the requested personal information relates to you. In order to verify your identity, we will generally require the matching of sufficient information you provide us to the information we maintain about you in our systems. In order to minimize the personal information we collect, we will address requests case by case. In certain circumstances, we may decline a request to exercise the rights described above, in accordance with applicable law.

This Privacy Policy does not apply to any other third-party website, including those that may be linked to on the Site. We do not control the privacy policies or practices of others nor the content or operation of these other websites. We encourage you to ask questions and read the privacy policies of other websites before you disclose any personal information to them.

Our services are not for minors. We do not knowingly process personal information of consumers we know to be less than 18 years of age.

We operate from South Carolina, USA. Our services and the Site are not for non-US residents. If you are visiting the Site from outside the United States and provide us with personal information, then your information will be accessed, transferred, stored, and processed by us in the United States where data protection laws may differ from those in the country where you are located. You are solely responsible for complying with all local laws, rules, and regulations regarding online conduct and website access. By interacting with the Site, you hereby expressly consent to the transfer of your personal information to recipients, as described in this Privacy Policy, that are located in the United States and understand that such information will be stored and processed in accordance with this Privacy Policy and the laws of the United States.

From time to time, we may change this Privacy Policy. We will notify you of any material changes to this Privacy Policy as required by law. We will also post an updated copy of this Privacy Policy on the Site. Please check the Site periodically for updates.

For more information on contacting us regarding privacy requests, click here.

This Addendum contains information regarding cookies, pixels or other tracking technologies(collectively, “cookies” for short) used on the Site to collect Site Presence Data as describe in this Privacy Policy. Some people may view this Addendum, colloquially, as a “cookie notice.”

Below are the cookies we use to collect Site Presence Data to be able to make services available on this Site, for marketing our services and to help improve our Site. We are not able to make our services available via the Site without being able to collect your IP address and activities on the Site. These cookies are not optional, but you are free not to use the Site.

Google is a partner that helps us collect optional information about Site users via Google Analytics and serves ads on our behalf. Google may use your data differently than we do. More information on how Google Analytics uses your data can be found at www.google.com/policies/privacy/partners. To opt out of being tracked by Google Analytics across all websites, visit https://tools.google.com/dlpage/gaoptout.