PRIVACY STATEMENT
Last Updated: November 01, 2009
Keltsch & Associates LLC strives to offer
its visitors the many advantages of Internet technology and to
provide an interactive and personalized experience. We may use
Personally Identifiable Information (your name, e-mail address,
street address, telephone number) subject to the terms of this
privacy policy. We will never sell, barter, or rent your email
address to any unauthorized third party. Period."
How we gather information from users
How we collect and store information depends
on the page you are visiting, the activities in which you elect to
participate and the services provided. For example, you may be asked
to provide information when you register for access to certain
portions of our site or request certain features, such as
newsletters or when you make a purchase. You may provide information
when you participate in sweepstakes and contests, message boards and
chat rooms, and other interactive areas of our site. Like most Web
sites, Keltsch & Associates LLC also collects information
automatically and through the use of electronic tools that may be
transparent to our visitors. For example, we may log the name of
your Internet Service Provider or use cookie technology to recognize
you and hold information from your visit. Among other things, the
cookie may store your user name and password, sparing you from
having to re-enter that information each time you visit, or may
control the number of times you encounter a particular advertisement
while visiting our site. As we adopt additional technology, we may
also gather information through other means. In certain cases, you
can choose not to provide us with information, for example by
setting your browser to refuse to accept cookies, but if you do you
may be unable to access certain portions of the site or may be asked
to re-enter your user name and password, and we may not be able to
customize the site’s features according to your preferences.
What we do with the information we collect
Like other Web publishers, we collect
information to enhance your visit and deliver more individualized
content and advertising. We respect your privacy and do not share
your information with anyone.
Aggregated Information (information that
does not personally identify you) may be used in many ways. For
example, we may combine information about your usage patterns with
similar information obtained from other users to help enhance our
site and services (e.g., to learn which pages are visited most or
what features are most attractive). Aggregated Information may
occasionally be shared with our advertisers and business partners.
Again, this information does not include any Personally Identifiable
Information about you or allow anyone to identify you individually.
We may use Personally Identifiable
Information collected on Keltsch & Associates LLC to communicate
with you about your registration and customization preferences; our
Terms of Service and privacy policy; services and products offered
by Keltsch & Associates LLC and other topics we think you might find
of interest.
Personally Identifiable Information
collected by Keltsch & Associates LLC may also be used for other
purposes, including but not limited to site administration,
troubleshooting, processing of e-commerce transactions,
administration of sweepstakes and contests, and other communications
with you. Certain third parties who provide technical support for
the operation of our site (our Web hosting service for example) may
access such information. We will use your information only as
permitted by law. In addition, from time to time as we continue to
develop our business, we may sell, buy, merge or partner with other
companies or businesses. In such transactions, user information may
be among the transferred assets. We may also disclose your
information in response to a court order, at other times when we
believe we are reasonably required to do so by law, in connection
with the collection of amounts you may owe to us, and/or to law
enforcement authorities whenever we deem it appropriate or
necessary. Please note we may not provide you with notice prior to
disclosure in such cases.
Affiliated sites, linked sites and
advertisements
Keltsch & Associates LLC expects its
partners, advertisers and affiliates to respect the privacy of our
users. Be aware, however, that third parties, including our
partners, advertisers, affiliates and other content providers
accessible through our site, may have their own privacy and data
collection policies and practices. For example, during your visit to
our site you may link to, or view as part of a frame on a Keltsch &
Associates LLC page, certain content that is actually created or
hosted by a third party. Also, through Keltsch & Associates LLC you
may be introduced to, or be able to access, information, Web sites,
features, contests or sweepstakes offered by other parties. Keltsch
& Associates LLC is not responsible for the actions or policies of
such third parties. You should check the applicable privacy policies
of those third parties when providing information on a feature or
page operated by a third party.
While on our site, our advertisers,
promotional partners or other third parties may use cookies or other
technology to attempt to identify some of your preferences or
retrieve information about you. For example, some of our advertising
is served by third parties and may include cookies that enable the
advertiser to determine whether you have seen a particular
advertisement before. Other features available on our site may offer
services operated by third parties and may use cookies or other
technology to gather information. Keltsch & Associates LLC does not
control the use of this technology by third parties or the resulting
information, and is not responsible for any actions or policies of
such third parties.
You should also be aware that if you
voluntarily disclose Personally Identifiable Information on message
boards or in chat areas, that information can be viewed publicly and
can be collected and used by third parties without our knowledge and
may result in unsolicited messages from other individuals or third
parties. Such activities are beyond the control of Keltsch &
Associates LLC and this policy.
Children
Keltsch & Associates LLC does not knowingly
collect or solicit Personally Identifiable Information from or about
children under 13 except as permitted by law. If we discover we have
received any information from a child under 13 in violation of this
policy, we will delete that information immediately. If you believe
Keltsch & Associates LLC has any information from or about anyone
under 13, please contact us at the address listed below.
Contacting Us.
We can be reached by contacting:
Keltsch & Associates LLC
Email: privacy@mastercreditscore.com
Changes to this Policy
Keltsch & Associates LLC reserves the right
to change this policy at any time. Please check this page
periodically for changes. Your continued use of our site following
the posting of changes to these terms will mean you accept those
changes. Information collected prior to the time any change is
posted will be used according to the rules and laws that applied at
the time the information was collected.
Governing law
This policy and the use of this Site are
governed by Michigan law. If a dispute arises under this Policy we
agree to first try to resolve it with the help of a mutually
agreed-upon mediator in the following location: Auburn Hills,
Michigan. Any costs and fees other than attorney fees associated
with the mediation will be shared equally by each of us.
If it proves impossible to arrive at a
mutually satisfactory solution through mediation, we agree to submit
the dispute to binding arbitration at the following location: Auburn
Hills, Michigan, under the rules of the American Arbitration
Association. Judgment upon the award rendered by the arbitration may
be entered in any court with jurisdiction to do so.
Keltsch & Associates LLC is controlled,
operated and administered entirely within Michigan. This statement
and the policies outlined herein are not intended to and do not
create any contractual or other legal rights in or on behalf of any
party.
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