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This website is owned and operated by The Kelly Group Consulting, Inc., our subsidiaries, affiliates, divisions, contractors and all data sources and suppliers all of which are referred to herein as (“TKG”). TKG is committed to protecting personally identifiable information we obtain about you when you register to use one of our websites or become our customer (“Personal Information”). This Privacy Policy describes how we collect, use and disclose Personal Information. This Privacy Policy applies to members, customers, former customers, users, and applicants.

 

Collection of Personal Information

We collect information from applications, questionnaires, and other forms you submit to us, such as your name, your job title, your company’s name and industry sector, your company’s location (country, state and zip code), and your contact information (address, email, and telephone number). We collect information from your transactions and interactions with us, such as your professional interests, or information you may provide via your interactions with our online forums, blogs, or participation in our online communities. We may collect information from credit bureaus as authorized by you for the delivery of the services we provide you. We do not permit other parties to collect personally identifiable information about your online activities over time and across different websites when you use our websites and services.

Collecting Personal Information is necessary for performance of the services and functionalities offered on the website. If you decline to provide the requested Personal Information, we may not be able to process your inquiry, provision access to certain functionality, or fulfill requests.

Use of Cookies

We may use web-based tools when you visit our websites, such as “cookies” to track your online activities, including your registration, submissions, and information requests, in accordance with applicable law. Cookies are small text files placed by a website server on your computer or other device you are using to access the website. They are NOT viruses, capable of being programmed, capable of spreading malware or capable of identifying you personally. Some collect anonymous information of the pages you have viewed, and are used to assess the website’s performance so that we, in turn, can monitor and improve performance. Other cookies track your online activities on this website, including the IP address from which you accessed the website, and may link that information with Personal Information you have provided us through online registration, to help us remember your settings, all with a view to improving your experience on the website. We may also use your IP address to help diagnose problems with our server and to administer the website. The length of time we may keep a cookie on your device will depend on the nature of the cookie and the reason we have set it. We use “session” cookies, which expire when you close your browser and do not remain on your computer or device.

How to enable and disable cookies using your browser Your web browser may be set to accept cookies automatically, but can be changed to decline them. The Help section of the toolbar on most browsers will tell you how to set your browser to prevent accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Please note that if you decline to accept cookies, then you may be required to re-register each time you download or request materials from the website.

Use of Personal Information

We use Personal Information to register you with the website and provide you with requested information or services. We may also from time to time use your contact information to send you information about services and marketing materials via telephone, automated email messages, and direct mail. These email messages may contain web beacons and other features that tell us you received and were able to open the message. You may also opt out of receiving any marketing solicitation from us, including email, direct mail, and phone solicitations, by contacting us as provided below.

Disclosures of Personal Information

TKS may disclose Personal Information to third parties as required or permitted by law, under the following circumstances:

  1. We may disclose Personal Information to companies in our corporate group as necessary or appropriate to provide the product or service you requested, to contact you in connection with product or service offerings, or for other legitimate business purposes.
  2. We may disclose certain Personal Information to companies and individuals with whom we contract to perform business functions and services on our behalf. Such business functions may include hosting our web servers, analyzing data, providing legal, accounting and marketing services, and providing other support services.
  3. We may disclose certain Personal Information to other companies and individuals to help us market our products, including business partners in joint marketing agreements where applicable. We require all such parties to maintain the security and confidentiality of the Personal Information, and to process the data in accordance with our instructions.

Personal Data Security and Confidentiality

We have up-to-date physical safeguards, such as secure areas in buildings; electronic safeguards, such as passwords and encryption; and procedural safeguards, such as customer authentication procedures to prevent Identity theft. We restrict access to information about you to only those employees who need to know that information to provide products or services to you. We carefully select and monitor outside service providers, such as mail vendors, who have access to customer information, and we require them to keep it safe and secure. We do not allow them to use or share the information for any purpose other than the job they are hired to do. We train our employees on these security procedures, and we conduct regular audits to check on compliance with the procedures.

Personal Data Access and Correction

TKS may provide you access to Personal Information about you so you can correct or delete the Personal Information in accordance with applicable law. For security reasons, FICO will take steps to authenticate your identity before providing you with access to Personal Information.

Information About Children TKS does not knowingly collect personal information from children or create profiles of children through this website. Please be advised that the collection of personal information submitted in an e-mail is treated as though it was submitted by an adult seeking information on credit education products and services.  However, our website is not intended or designed to attract children.  Privacy Choices When Seeking Information Our Website When you visit our website, we do not collect any personal information about you unless you provide that information voluntarily.  To do so you may send us and e-mail, request additional information or complete a mortgage application online.  If you do not provide us that information, you are limited to the information generally available on our website.  However, you may choose to contact our offices by phone for any information required and you may also browse our website and download any information that is publicly available.  Correction of Data Provided If you have questions about information you provided on an TKS web site or web page, please submit a request to us to determine whether your personal information has been collected through our website.  Please submit your request in writing to the address below.  We require reasonable proof of your identity when requesting this information.  Reasonable proof may include but is not limited to verification of signature or unique identifier known only to you.

Our policy is to respond to you within 5 business days of receipt of your written request.  Upon confirmation of your identity, our Privacy Officer will provide you with access to the personal information requested or deny the request with a written explanation of denial.  This policy requires furnishing or denial of the information within 30 business days of the receipt of our acknowledgement of your written request.
Changes to this Privacy Policy? Our Privacy Officer is responsible for the periodic review and update to our Internet Security and Privacy Policy.  This policy is current as of July 23, 2016. We reserve the right to alter this privacy policy at our discretion. Any change to this policy will be posted on our website usually within 24 hours of each change.

Jeanne Kelly, Credit Coach