Privacy Policy – creditcardeing

Effective Date: December 10, 2021

Red Ventures (includes “us,” “we,” or “our”) is a portfolio of brands and digital platforms (such as mobile and/or TV applications) that connect people with information to help make some of life’s most important decisions. Some examples of Red Ventures’ brands are Allconnect, Bankrate, CNET, MYMove, BestColleges, LonelyPlanet, and The Points Guy. For the purposes of this Privacy Policy, the websites, apps, and products provided by Red Ventures will be referred to as the “Services.” Certain Red Ventures Services have different privacy policies (such as our Services in Brazil or Joint Ventures), you should check each Service for its specific policy before use.

This Privacy Policy describes the type of Personal Information that we may collect for our own purposes; how we use, disclose, and protect that information; and the choices that you have. By using the Services, you acknowledge the information collection practices and purposes outlined in this Privacy Policy. Any capitalized terms used, but not defined, in this Privacy Policy has the meanings provided in the Terms of Use of the applicable Services.

Categories of Personal Information	Examples	Categories of Entities We Disclose Personal Information To
Identifiers	A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.	Affiliates, Service Providers, Business Clients, Partners
Personal Information categories listed in the California Customer Records Statute (Cal. Civ. Code §1798.80(e))	A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, credit card number, debit card number, or any other financial information, medical information, or health insurance information	Affiliates, Service Providers, Business Clients, Partners
Protected classification characteristics under California or Federal law	Age, race, ancestry, national origin, citizenship, religion, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, pregnancy, childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information.	Affiliates, Service Providers, Business Clients
Commercial information	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies	Service Providers, Business Clients, Partners
Internet or network activity data	Browsing history, search history, and information regarding a consumer’s interaction with an internet website application, or advertisement	Service Providers, Business Clients, Partners
Precise Geolocation	Any data that is derived from a device and that is used or intended to be used to locate a consumer within a geographic area that is equal to or less than the area of a circle with a radius of 1,850 feet, except as prescribed by regulations	Service Providers
Sensitive Personal information (per California Customer Records Statute (Cal. Civ. Code §1798.140 (ae))	Including but not limited to a consumer’s account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account, a consumer’s social security, driver’s license, state identification card, or passport number.	Affiliates, Service Providers

Sale of Personal Information. We do not sell, rent, or loan your Personal Information to third parties for money. However, we may engage in activities, subject to your privacy choices, where sharing your information in the Identifiers and Internet or network activity data sections of the above chart, to social media platforms, analytics providers, and advertising companies may be considered a “sale” under certain applicable laws. See the Manage Your Information section of this Policy for more information on your privacy choices.

Retention of Personal Information. We retain your Personal Information so long as it is reasonably necessary for the purpose for which it was collected, compliance with our legal obligations, resolution of disputes, fraud prevention and enforcement of our agreements . To determine the appropriate retention period for your Personal Information, we consider the amount, nature, and sensitivity of the Personal Information; the potential risk of harm from unauthorized use or disclosure; the purposes for which we process it; whether we can achieve those purposes through other means; and the applicable legal requirements.

In some circumstances we may anonymize your Personal Information so that it can no longer be associated with you, in which case it is no longer Personal Information. Upon expiration of the applicable retention period , we will securely destroy your Personal Information in accordance with applicable laws and regulations.

Types of Information We Collect

The following are examples of the types of information that we may collect directly from you, about you, and/or from other sources, including third parties, business partners, our affiliates, or publicly available sources.
Information collected directly from you:

Account Registration. Your name, email, phone number and other relevant information when you create an account. We also may collect information relating to the actions that you perform while logged into your account. The purpose for collection and use of this data is that we have a business need to provide account related functionalities to our users. Accounts can be used for easy checkout, save your preferences, select areas of interest, and transaction history.
Lead Forms and Order Placement. We collect information when you use our lead and order forms on our Services. This may include your name, email, phone number, billing address, shipping address, and payment information (e.g., credit card number). In addition, these forms may ask for information specific to your request, such as car make and model for auto insurance, military service for secondary education, or other information requested by our business clients. The purpose of collection and use of this data is that we use your information to perform activities associated with a contract to provide you with products or services.
Financial information. For certain Red Ventures’ Services, you may provide us with information such as national identifier, credit history, income, loan amounts, and account balances related to requesting financial products and services. Examples include credit card inquiries personal insurance quotes, and loan inquiries for products such as mortgages, personal loans, and student loans. In some situations, for certain Services, our GLBA notice may also apply to the collection, use and sharing of this financial information. The purpose of the collection is we have a business need to use this information to facilitate your request and connect you to lenders that deliver the products and services you request.
Information You Post on the Services. When available on the Services, we may collect Personal Information from you when you provide or post information to our Services, including your username, comments, likes, interests, status, pictures, and references to your online presence. We may use this information for our purposes and/or make this information available to others as you request and/or permission.
Information You Provide About Others. Sometimes, you may provide information about others, for example, to refer a friend for a newsletter. We may use this information to make our Services available to the people you refer to us.
Surveys. When you participate in a survey, we collect information that you provide through the survey. If the survey is provided by a third-party service provider, the third party’s privacy policy also applies to the collection, use, and disclosure of your information. The purposes of collection and use of this data are that we have a business need to understand your opinions and collect information relevant to our organization.
Sweepstakes or contests. When you choose to participate in a sweepstakes or contest, we collect information about you, which includes contact information to notify you if you are selected. The purpose of collection and use of this data is that we have a business need to operate the contest or sweepstakes. In some contexts, we are also required by law to collect information about those that enter our sweepstakes.
Mailing List. If you sign up for one of our mailing lists we collect your email address and/or postal address. The purpose of collection and use of this data is that we have a business need to share information about our products or services.
Partner Promotion. We collect information that you may choose to provide as part of a promotion with another company. The purpose of collection and use of this data is that we have a business need to fulfill our promotions.
Feedback/Support. If you provide us feedback or contact us for support, we may collect your name and e-mail address, as well as any other content that you send to us, to reply. The purpose for collection and use of this data is that we have a business need to receive and act upon your feedback or issues.

Disclosure Of Information

In addition to the specific situations discussed elsewhere in this policy, we may disclose your Personal Information in the following situations:

Affiliates and Acquisitions. We may disclose your Personal Information with our corporate affiliates (e.g., parent company, sister companies, subsidiaries, joint ventures, or other companies under common control). If another company acquires, or plans to acquire, our company, business, or our assets, we will also disclose your Personal Information to that company using appropriate safeguards, including at the negotiation stage.
Our Business Clients. When we collect information on behalf of our business clients, we disclose that information with those clients.
Service Providers. We disclose your information to service providers. Among other things, service providers may help us to administer our website, conduct surveys, provide technical support, assist, or support our business operations and other administrative functions, process payments, and assist in the fulfillment of orders.
Partner Promotion. We may offer contests, sweepstakes, or other promotions with third party partners. If you decide to enter a contest, sweepstakes, or promotion that is sponsored by and/or associated with a third-party partner, then the information that you provide will be disclosed to them. Their use of your information is not governed by this privacy policy.
Audience Measurement Services. We may disclose your Personal Information to audience measurement companies that help us and other websites measure and understand the audiences that view our content.
Video Viewing Behavior. Consistent with applicable law, we may disclose your video viewing behavior with third parties including advertising companies, analytics partners, and social media sites.
Aggregated and Anonymous Information. We may disclose aggregated, anonymous information with any third party. This information is not linked to Personal Information that can identify you or another individual person.
Advertising. We may disclose certain data to Advertising Platforms, including Google and Social Networks such as Twitter, Facebook, LinkedIn, and Snapchat to allow us to target existing users and customers with highly relevant advertising campaigns. For the purposes of such campaigns. We may share a unique code (such as a hashed email address) with the applicable Advertising platform for that identifier to be matched against existing users of the relevant Advertising Platform and to identify potentially relevant audiences for targeted advertising. We use services such as Google Ads’ Customer Match, LiveRamp, LinkedIn Matched Audiences, and Facebook Custom Audiences for these purposes. In addition to advertisements for our own goods and services, we may also facilitate third parties to advertise their own goods and services including by targeting those advertisements to those that might be most interested in them. These advertisements may be shown within our Services. To provide advertisements relevant to you, your IP address may be used, as well as your operating system and device type. Information about your device will be used to show you advertisements which work properly on that device. You may be able to adjust your preferences by visiting our Cookie Policy or below in the ‘Your Choices’ section of this policy. To opt-out of advertising on a person-based level from LiveRamp, please click here.
Public. Some of our Services may provide the opportunity to post comments, or reviews, in a public forum. If you decide to submit information on our Services, that information may be publicly available
Other Persons or Entities with Your Consent. With appropriate consent when required, certain Services may disclose your Personal Information with third party marketing partners, and they may contact you by email, telephone, postal mail or other common communication methods with marketing and promotional messages about their products or services. Sometimes we will give you the option to receive further communications from one of our advertising partners, for example when we run a competition with that advertiser. When you provide consent to receive communications from that third party advertiser, your personal information will be managed by that third party’s privacy policy. In some cases, we may also ask if you would like us to disclose your information to other third parties that are not described elsewhere in this Privacy Policy.