Privacy Policy

Privacy Policy

Last Updated: May 24, 2018

Credit Chronometer is operated by Davis & Gilbert LLP (“we” or “us”) and has created this privacy policy (“Privacy Policy”) in order to demonstrate our firm commitment to your privacy. Our practices regarding information collection and usage solely for the website located at www.creditchronometer.com (the “Website”) is disclosed below. This Privacy Policy does not apply to any other website or service provided by us, our affiliates or clients, unless it appears on such website or service. We reserve the right, at our discretion, to change, modify, add or remove portions from this Privacy Policy at any time by posting such changes here. Your continued use of our Website following the posting of any changes to this Privacy Policy indicates your acceptance of such changes. If you do not agree to this Privacy Policy, you are not authorized to access or otherwise use the Website or service.

Collection of Personal and Non-Personal Information

We do not collect personally identifying information unless you voluntarily supply us with personally identifying information. When using the Website, in order to utilize some of the services that may be available, such as registering for or subscribing to the blog newsletter, submitting a comment to a blogpost or other forms or information you provide when you contact us, you may be asked to provide, or may choose to provide, certain personally identifiable information about you, such as your name, address and email address (“Personal Information”). In addition, we may also collect non-personally identifiable information, such as IP host addresses, web pages viewed, browser type, referring pages, usage and browsing habits and similar data, and may aggregate Personal Information in a manner which does not identify any individual (“Aggregate Information”).

Information Usage

By providing Personal Information on the Website, you consent to receive information and updates regarding our services, such as new blog post alerts, announcements and event invitations. We will only use your Personal Information as described herein, unless you have specifically consented to another type of use, either at the time the Personal Information is collected from you or through some other form of consent from you or notification to you:

  • We may use your Personal Information to respond to your inquiries or requests.
  • We may use your Personal Information to send you emails from time to time about our services, but we will not provide your Personal Information to third parties for them to contact you directly unless otherwise permitted by this Privacy Policy or you provide your consent.
  • We may permit our vendors and subcontractors to access and process your Personal Information, but they are only permitted to do so in connection with performing services for us. They are not authorized by us to use the information for their own benefit.
  • We may disclose Personal Information as required by law or legal process.
  • We may disclose Personal Information to investigate suspected fraud, harassment or other violations of any law, rule or regulation, or the terms or policies for our services.
  • We may transfer your Personal Information in connection with the sale, merger, reorganization or change of control of Davis & Gilbert or as part of a bankruptcy proceeding.
  • We may use and disclose Aggregate Information for any number of reasons.

Grounds for Using Your Personal Information:

We rely on the following legal basis to process your Personal Information:

  • It may be necessary for us to use and disclose your Personal Information for the performance and fulfillment of the contract between us and to provide you with our services;
  • We may use and disclose your Personal Information where it is necessary for our legitimate interests (or those of a third party) and your interest and fundamental rights do not override those interests;
  • If you specifically consent to certain uses of your Personal Information, we may use your Personal Information in a manner consistent with that consent; and
  • We will also process, transfer, disclose and preserve Personal Information when we have a good faith belief that doing so is necessary.

By posting a review and/or comment on our Website you consent to the use of your review/comment in accordance with this Privacy Policy, including granting permission to us to display your review/comment on the Website for public viewing. Further, you grant to us an irrevocable, nonexclusive, perpetual, worldwide, royalty-free right and license to use, display, modify, reproduce, publish, distribute, make derivative works of, and otherwise commercially and non-commercially exploit your review/comment. Reviews/comments that include obscenities, racially or ethnically offensive content, content that defames any person or company, or content that contains any material deemed objectionable by us, may be removed from the Website at our sole discretion.

Cookies and Similar Technologies

When you visit our Website, we may track information about your visit and store that information in web server logs, which are records of the activities on our Website. The servers automatically capture and save the information electronically. Examples of the information we may collect include: your unique Internet protocol address; the name of your Internet service provider; the town/city, county/state and country from which you access our Website; the kind of browser or computer you use; the number of links you click within the Website; the date and time of your visit; the web page from which you arrived to our Website; the pages you viewed on the Website; and certain searches/queries that you conducted via our Website. The information we collect in web server logs helps us administer the Website, analyze its usage, protect the website and its content from inappropriate use and improve the user experience.

In order to offer and provide a customized and personal service, we and our affiliates and/or third-party contractors may use cookies, web beacons, clear gifs and similar technologies to store and help track information about you, customize your use of the Website and for other purposes to make your access more convenient or to enable us to enhance and monitor the Website. An example of such third party is Google Analytics, which we use to collect and analyze demographic and other information, and through which Google will collect certain information to be used according to Google’s privacy practices. You may opt-out of data collection by Google Analytics as set forth in the “Your Choices, Rights and the Opt-Out Process” section below. Cookies are text files containing small amounts of information which we download onto your computer or device when you visit our Website. Cookies and similar items are not used by us to automatically retrieve Personal Information from your device without your knowledge. You can set your browser to notify you when you receive a cookie, flush any cookies that may already be on your computer and/or device or refuse to accept cookies. You should understand that some features of many sites may not function properly if you don’t accept cookies. Further information on cookies is available at www.allaboutcookies.org. By deleting our cookies or disabling future cookies you may not be able to access certain areas or features of our Website or some of its functionality may be affected.

Our Security Procedures

We restrict access to Personal Information about you to those persons who need such information to provide products or services to you. We maintain reasonable physical, electronic and procedural safeguards that comply with applicable regulations designed to guard your Personal Information from unauthorized access. However, we cannot guarantee that unauthorized persons will always be unable to defeat our security measures and due to the inherent open nature of the Internet, we cannot ensure or warrant the security of any information provided online.

Social Media

This Website contains links and interactive features with various social media platforms. If you already use these platforms, their cookies may be set on your device when using our Website. These social media platforms collect information pursuant to their own policies. We do not control their practices, so you should read their policies on their sites. You should be aware that Personal Information which you voluntarily include and transmit online in a publicly accessible blog, chat room, social media platform or otherwise online may be viewed and used by others without any restrictions. We are unable to control such uses of your information when interacting with a social media platform, and by using such services you assume the risk that the Personal Information provided by you may be viewed and used by third parties for any number of purposes.

Third Party Links

This Website may contain links to other websites. Please be aware that we are not responsible for the privacy practices of other websites and by linking to such websites we are not endorsing their content or practices. We encourage you to be aware when you access any such third-party links and to read the privacy policies of each website that you access.

Your Choices, Rights and the Opt–Out Process

You may opt-out of receiving commercial emails from us at any time by contacting us at privacy@dglaw.com. Please note that there might be a brief delay between when you submit your request to “opt-out” and when it is processed and reflected in our systems; accordingly you may continue to receive communications from us for a limited time after you unsubscribe. To opt-out of the use of Google Analytics, click here.

Subject to local law, you may also have certain rights regarding information that we have collected and that is related to you. If you are located in the European Union with rights under the General Data Protection Regulation (“GDPR”), you have the right to withdraw previously provided consent for our processing of your Personal Information by contacting us at privacy@dglaw.com. Such individuals also have the following rights:

  • Right to access – This right allows individuals to obtain confirmation that his or her Personal Information is being process and allows individuals to request details of the processing of his or her Personal Information, including, without limitation, categories of recipients to whom the Personal Information have been or will be disclosed and purposes of processing.
  • Right to rectify – This right allows individuals to rectify any inaccurate Personal Information about him or her.
  • Right to restrict processing – This right allows individuals to block or suppress processing of Personal Information under certain circumstances.
  • Right to be forgotten – This right is also known as the “right to erasure.” It is an individual’s right to have Personal Information erased or to prevent processing in specific circumstances.
  • Right of data portability – This right allows individuals to move, copy or transfer Personal Information from one place to another in a secure manner without interrupting the integrity and usability of the information.
  • Right to object to processing – This right allows individuals to object to certain types of processing, including direct marketing, profiling and providing for purposes of scientific or historical research and statistics.

To exercise any of the following rights, you may contact us at privacy@dglaw.com.

Cross Border Transfers

Our Website is maintained in the United States of America (“USA”). By using the Website, you freely and specifically give us your consent to export your Personal Information to the USA and to store and use it in the USA as specified in this Privacy Policy. You understand that data stored in the USA may be subject to lawful requests by the courts or law enforcement authorities in the USA. We may transfer Personal Information from the European Economic Area and Switzerland to the USA and other countries, some of which have not been determined by the European Commission to have an adequate level of data protection. Personal Information of European Union residents will be transferred in compliance with the requirements of the GDPR.

Record Retention

If you provide us with Personal Information through the Website, we retain your information for as long as necessary for our business purposes. This may include, but is not limited to, retaining such information to comply with our legal obligations, to resolve disputes, and to enforce our agreements. Even if we delete some or all of your Personal Information, we may continue to retain and use Aggregate Information previously collected. Please note that we will not be liable for disclosures of your data due to errors or unauthorized acts of third parties.

Questions

If you have questions about this Privacy Policy, or would like to review or make changes to your Personal Information, please email us at privacy@dglaw.com. If you are located in the European Union with rights under the GDPR and have any complaints regarding our privacy practices, you have the right to complain to a supervisory authority.