Privacy Policy

The policy below is applicable to all CredAxis sites and to www.credaxis.com in general. Your privacy on the Internet is important to us. We have created this privacy statement in order to demonstrate our firm commitment to your privacy. As part of the operations of www.credaxis.com, we gather certain types of information about users. This CredAxis Privacy Policy (the "Privacy Policy") explains the types of information we gather, what we do with it and how you may correct or change information that CredAxis may collect.

Information Collected by CredAxis
CredAxis may collect two types of information about users: personal information (such as name and e-mail address) and aggregate information (such as information about how many users log on to our sites on a daily basis). CredAxis may collect any information about you that you make available to us through your use of our website, the internet, or otherwise.

Personal Information
Personal information is collected when users voluntarily register for membership services. Personal information includes e-mail addresses, user registration data, passwords, external homepages, gender, birth date, interests, hobbies, travel preferences and any other user-specific data. We may also receive personal usage and demographic information from our third-party partners, and we also collect e-mail addresses from users who send us support mail or request technical or other help. This information enables CredAxis to improve its sites to make your online visits more productive and enjoyable.

Our site's registration form requires users to, along with other information, give us a valid e-mail address. We may use your e-mail addresses from the registration form to inform you of the status of, new membership benefits and features, to let you know of urgent problems on our site, and to present special members-only opportunities to buy products and services that are appropriate to the interests of our community.

Aggregate Information
One method of collecting aggregate information about your activities online (such as the pages you access most frequently or the search terms you enter), and information volunteered by you (such as survey or registration information), is by tracking Internet Protocol (IP) addresses. An IP address is a number that is automatically assigned to your computer whenever you surf the Web. The computers that deliver the Web pages to you automatically identify your computer by its IP address. When you request a page from one of our sites, our servers log your IP address. CredAxis sites record IP addresses for the purpose of system administration and to provide aggregate data to advertisers about the volume of use on our sites. We also use your IP address to help diagnose problems with our server and to administer our web site. In addition, your IP address is used to help identify you and to gather broad demographic information.

Sharing Data with Third Parties
CredAxis shares aggregate information with third parties for advertising and promotional purposes. CredAxis may also share personal information with consultants and affiliates for internal business purposes and may divulge personal information if such information is subpoenaed, or if CredAxis believes that membership has been used to commit unlawful acts or acts that may endanger the health or safety of another user or of the general public. CredAxis may disclose any information that you provide to it for any purpose it believes reasonably necessary for its business purposes.

Use of Cookies
CredAxis sites use 'cookies' to record information. A cookie is a small data file that Web sites store on your hard drive when you visit them. Cookies allow us to measure activity on our sites and to improve your user experience by remembering your passwords and viewing preferences, and allowing you to visit various members-only parts of our sites without re-registering. Cookies allow us to determine which areas and features of our sites are most popular by measuring user activity. This information allows us to make improvements and updates to improve your www.credaxis.com experience. CredAxis sites do not use cookies to retrieve any information from your computer.
Most browsers are set to accept cookies. If you prefer, you may set your browser to refuse cookies or to alert you when cookies are being sent. However, some parts of our sites, such as the members-only areas will not function properly if you choose not to accept cookies.

Links to Third Parties
This site contains links to sites other than our own. Those sites may not follow the same privacy policies as www.credaxis.com. Such links may be to advertisers, content providers or partners who may use our logo and/or style as a result of a co-branding or application service provider agreement. These sites may send their own cookies to you, and may collect information and use it in a way inconsistent with CredAxis's privacy policy. Such sites may contain information that content providers independent of www.Credaxis.com have created, maintained, published, posted or otherwise made available.

The use of any information or materials that you may access at these external sites is purely voluntary. You should not rely on the contents without independent and thorough review of the accuracy, completeness, effectiveness, timeliness and correct sequencing. These external sites may also refer to specific commercial products, processes, or services by trade name, trademark, service mark, manufacturer or otherwise. Unless CredAxis has provided explicit authority, such references in no way indicate our endorsement, recommendation or preference.

www.credaxis.com may use a third-party ad company to display ads on our site. These ads may contain cookies. While we use cookies in other parts of our Web site, cookies received with banner ads are collected by our ad company, and we do not have access to this information.

http://www.networkadvertising.org/optout_nonppii.asp

Third Party Cookies
In the course of serving advertisements to this site, our third-party advertiser may place or recognize a unique "cookie" on your browser.

Public Forum
Information posted to message boards, chat areas, clubs and home pages is available to the general public and becomes public information. In addition, the site offers to visitors the possibility to provide their own content. PLEASE EXERCISE CAUTION WHEN DECIDING TO DISCLOSE YOUR PERSONAL INFORMATION. Users under the age of 18 should be particularly careful not to provide any personally identifying information while using chat rooms or message boards. Users of chat areas and message boards must follow acceptable standards of behavior when posting messages online. CredAxis reserves the right, but is not obligated, to refuse or delete any content for any reason in its sole and absolute discretion.

Children's Guidelines
CredAxis encourages parents and guardians to spend time with their children online and be aware of the sites their children visit.

CredAxis relies on our users to be truthful in responding to the question of age. Person's under the age of 13 are not permitted to use our website and are not allowed to submit or post information, thereby meeting the guidelines established by TRUSTe Children’s Program.

Users are provided the option to remove their e-mail address from our database at any time by opting out of receiving future communications and/or membership benefits by sending an e-mail to feedback@credaxis.com.

Corrections/Updates
This site provides users with options for changing and modifying information previously provided. You can edit your personal information.

Additional Information
No transmission of data over the Internet is guaranteed to be completely secure. It may be possible for third parties not under the control of www.credaxis.com to intercept or access transmissions or private communications unlawfully. While we strive to protect your personal information, CredAxis cannot ensure or warrant the security of any information you transmit to us. Any such transmission is done at your own risk.

Under no circumstance, including but not limited to negligence, shall CredAxis or its employees or agents be liable for any special, incidental or consequential damages that result from the use of the information or materials on CredAxis sites, even if CredAxis or an authorized representative of CredAxis, has been advised of the possibility of such damages. CredAxis reserves the right to change this Privacy Policy at any time without notice, and any such change shall become effective immediately upon posting online.

USE OF THIS SITE SIGNIFIES YOUR UNDERSTANDING AND AGREEMENT TO COMPLY WITH THE ENTIRE PRIVACY POLICY.

We may be contacted via e-mail to feedback@credaxis.com regarding any question or concern you may have.