Online Personal Credit Reports and Scores

Opt-In For Experian Marketing Information
We believe consumers should have choices about the use of all their personal information. If you provide us with your email address, we will use your name, physical address, and email address to provide you information about products developed by Experian and our affiliate companies. We may also ask you to participate in surveys. If you change your mind and do not want to receive information about these products, you will be given the opportunity to opt-out in each mailing you receive.

Security
Experian protects your information over the Internet by using a secure web server, which allows your web browser programs (i.e. Netscape Navigator/Communicator or Microsoft Internet Explorer) to interact with Experian's web server via an encrypted session. Experian employs a Secure Sockets Layer (SSL) connection that provides an encrypted connection between your computer and Experian. The 128 bit encrypted connection scrambles ordinary text or data into cipher text to safeguard your sensitive and private information during its journey across the Internet. The information is decrypted, or put back into a readable format, when it reaches its intended destination, your computer.

Depending on which browser you use, you will know you are in a secured area by 'https' appearing in front of the URL (Uniform Resource Locator) in the address bar, and/or a locked padlock appearing somewhere in the lower corner of your screen. When you visit our Web site, you may move in and out of secured areas. Any time that you are on a registration page or viewing your personal credit report, you will be in a secure area.

Additionally, Experian restricts access to information that you provide only to those employees who need to know such information to provide and process the information you have requested or to investigate matters you have requested be investigated. Experian maintains physical, electronic and procedural safeguards to guard your information. Experian also utilizes systems access controls to protect your information. Experian continually monitors access to its systems to detect unauthorized attempts to gain access to information.

Our Web site may contain links for other offers and services in which we feel you may have an interest. We believe these sites share a similar commitment to consumer privacy and urge you to review their privacy policy when visiting their sites. We cannot, however, be responsible for their privacy practices.

Privacy Policy Changes
Experian reserves the right to change this privacy policy at any time. Therefore, we encourage you to review this privacy policy from time to time to review any changes in our information sharing practices.

Please note: This privacy policy applies only to this on-line Web site and application(s). It does not apply to any products or services offered through other channels.

Consumerinfo.com (CIC) Privacy Policy:

What Is Our Commitment To You:
We are sensitive to your privacy concerns, and are committed to letting you know what information is being collected on our Sites, how the information is being used and what choices you have regarding the collection and use of the information. Please take a moment to review this privacy notice and feel free to contact us with any questions at privacy@consumerinfo.com.

What Types Of Information Do We Collect About You?
The primary reason we collect personal and credit information about you is to provide products and services that you have requested and to enroll you into our membership products. The type of information we collect, and the primary purpose for which it is collected includes:

• Required product registration information such as name, address, Social Security number, and date of birth, is utilized to establish your membership or one-time transaction record and to verify your identity. We require this verification in order to provide you with your personal credit information.
• Credit information we receive from credit reporting agencies is utilized to provide you with the products and services we offer.
• Billing information, such as credit card number, is required to process the payment for the products and services you order from us.
• Other information we collect, such as city of birth and mother's maiden name, is used to verify your identity in the event you forget your login information required for our online services. Email addresses are collected and used to send you notifications, special offers and our latest e-newsletter via electronic mail.

We will also collect certain information arising out of your use of our web site, or augment the data we collect with other information from other online or offline sources. We reserve the right to collect information about you and store it in connection with other online or offline information we may possess or obtain about you.

Corrections or updates to your information including your email address, phone number, mailing address, credit card information or password reminder phrase can be made through "My Credit Center" in the section labeled "Account Tools." If necessary, other corrections or updates to your information (such as your name or Social Security number) can be made by contacting a customer care representative at 1 877 284 7942. For your protection, our customer care representatives may request supporting documents before making any changes or updates to your membership information.

Do We Share Information With Third Parties?
We do not share information with any non-affiliated third party except: (1) in select circumstances when a business partner refers you to us and you give us permission to share specific information, such as your name and email address, with that business partner on your order form, or (2) as permitted or required by law, such as inquires by law enforcement or to comply with Federal laws such as the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003 (CAN-SPAM Act of 2003) or the Fair and Accurate Credit Transactions Act (FACTA).

If you choose, we may disclose the information that we collect to our affiliated companies from time to time for marketing purposes and to enhance our products and services to better suit your needs. When identifying methods of improving our products and services or if we think a product may be of interest to you, we may arrange to extend select special offers of goods or services to you either directly or through affiliates. If you would like to opt-out of having your information shared with partners and/or affiliates, please refer to the section labeled "Offering You Choices - Marketing Options," below.

In order to provide the products you have requested, we may disclose the information we collect to companies that perform services on our behalf, such as the credit reporting agencies from which we obtain your credit report(s), credit card processors, email communications management firms or call center providers. Our third party service providers are contractually limited to using the information received from ConsumerInfo.com, Inc. solely for the purposes of providing you with the services you requested.

Our Sites may contain links for other offers and services that we feel you may have an interest in. We believe these sites share a similar commitment to consumer privacy and urge you to review their privacy policy when visiting their sites. We cannot, however, be responsible for their privacy practices.

Offering You Choices - Marketing Options
You have choices when it comes to learning about new offers or services you can use to help meet your financial management goals. If you do not wish to receive offers of products or services from ConsumerInfo.com, Inc. or its partners or affiliates, here are the methods in which you can opt out:

• New Order Opt-out Option: While placing an order for the purchase of a credit report or monitoring service, you may select to opt out of receiving special offers and newsletters from us and our affiliated companies directly on your order form.
• Email Opt-out Options: Each marketing email we send includes instructions and an opt-out link. Alternatively, you may opt out by calling our Customer Care Center toll-free at 1 877 284 7942. You may exercise this opt out choice at any time.
• Refusing Cookies: Subject to the section below pertaining to cookies and web beacons, you have the ability to prohibit being served an advertisement based on cookie technology. We utilize reputable third-party vendors to serve advertisements. If however, you are not comfortable with cookies, you can adjust the settings within your browser to further prohibit being served a cookie. Please see the browser's instructions to perform this task. The National Advertising Initiative (NAI) has developed an opt-out tool with the express purpose of allowing consumers to "opt-out" of the targeted advertising delivered by its member networks. You can visit the NAI opt-out page and opt-out of this cookie tracking. Please visit: http://www.networkadvertising.org/optout_nonppii.asp for more information.
• Partner sharing Opt-out Options: If a business partner refers you to our Site, you may choose not to have your information shared with that partner by opting-out directly on your order form.
• Affiliate sharing Opt-out Options: While placing an order for the purchase of a credit report or monitoring service, you may select to opt-out of receiving offers from our affiliated companies directly on your order form. Please note that suppressed contact information will not be used for any other purpose other than to ensure compliance with your opt-out request and to comply with the CAN-SPAM Act of 2003 and any other applicable state and/or federal laws regarding your choices when it comes to commercial email marketing.

Cookies And Web Beacons
A cookie is a small piece of information that many Web sites use to help make shopping online easier. The information is stored on your computer's hard drive and provides a number of conveniences for you. We may set and access cookies on your computer to provide you with customized content and to assist in providing the services that you have requested. We also work with companies who provide services to maintain our Web site and email efforts and enable those service providers the rights to use cookies on our Web site. They are prohibited from using that information for any other purposes than those in this privacy policy. Most cookies are "session cookies," which automatically delete themselves from your hard drive after each session. Like many Web sites, we may automatically track information based upon your behavior on Our Web sites. We may combine information that we obtain through the use of cookies with Personal Information, other aggregate or anonymous data, including a unique ID we may assign you. As described above, we and trusted third parties use this information to better understand, protect and service our customers. The information may include such information as browser type, Internet service provider (ISP), referring/exit pages, platform type, date/time stamp, IP address and number of clicks to analyze trends, administer Our Web sites, track user's movement in the aggregate, and gather broad demographic information for aggregate use.

If you want to prevent a third-party advertising network from setting and/or reading cookies on your computer, you may wish to alter the cookie settings within your browser. Please review the instructions for your browser on how this is performed. Please see "Offering You Choices-Marketing Options" above for information on how to opt-out of sharing your Information.

What Is Our Policy Relating To Former Customers?
Our policy regarding the collection and use of information about former customers is the same as that regarding the collection and use about existing customers (refer to section titled What types of information do we collect about you?).

How Do We Protect Your Information?
We restrict access to nonpublic personal information about you to those of our employees who need to know that information in order to provide products to you. We maintain physical, electronic, and procedural safeguards designed to protect your nonpublic personal information.

ConsumerInfo.com, Inc. protects your information over the Internet by using a secure web server, which allows web browser programs (Netscape or Microsoft Internet Explorer) to interact with our web server via an encrypted session. We employ a Secure Sockets Layer (SSL) connection that provides an encrypted connection between your computer and ConsumerInfo.com, Inc. The 128 bit encrypted connection scrambles ordinary text or data into cypher text to safeguard sensitive information during its journey across the Internet. The information is decrypted, or put back into a readable format, when it reaches its intended destination. Depending on which browser you use, you will know you are in secured area by "https" or a lock appearing in the lower right hand corner of your browser window. When you visit our Sites, you may move in and out of secured areas. Any time that you are on an order page or viewing your personal credit report, you will be in a secured area.

Transferability Of Information
In the event we go through a business transition, such as a merger, acquisition by another company, or sale of all or portion of our assets, your personally identifiable information will likely be among the assets transferred. You will be notified by means of notice on our Sites for thirty (30) days of any such change in ownership or control of your personal information. For more information, please refer to the section labeled "Privacy Notice Changes," below.

A Special Note Regarding People Under 18 Years Old
Consumers under the age of 18 must not send any personal information to us, -including but not limited to information such as name, address or email address.

Privacy Notice Changes
We reserve the right to change this privacy notice at any time. You agree to obtain annual notices of, and changes to, this privacy notice electronically by visiting this Site. Therefore, we encourage you to review this Site from time to time to review changes to our privacy notice.

Please note that our offline privacy notice (not covering information collected over the phone or by facsimile) may differ slightly from our online privacy notice.

Please keep in mind that this Privacy Notice only applies to your use of your promotional membership. If you choose to continue using this or any additional products after the expiration of your complimentary membership, you will be asked to re-enroll at a separate Web site with a different privacy notice.