effective 11/24/04
last modified 12/01/09

Your INFORMATION is safe with us!

Our Commitment to Privacy

Credit Hour, Inc. is committed to respecting your privacy and protecting your personally identifiable information. We want you to be aware of our online information practices and the choices you can make about how your information is collected and used. To make this notice easy to find, we make it available on our homepage, at the bottom of every page of our site, and at every point where personally identifiable information may be requested.

The Information We Collect

You can visit our site without identifying yourself or volunteering any personally identifiable information. In cases where you do volunteer to us your personally identifiable information, we will only use it to facilitate and support your client relationship with us. The information required is the absolute minimum necessary and all information provided is held in the strictest confidence. The types of information we may collect is as follows:

• name
• mailing address
• email address
• telephone number
• payment information
• services purchased
• professional/affiliate information
• survey/poll information
• client preferences

Special Note About Email Addresses

We may collect your email address if you:

• contact us by email
• complete a custom form on our site
• volunteer it for the purpose of receiving information in the future (opt-in)
• have registered or purchased or otherwise have an existing relationship with us

We do not collect your email address or the email address of others when you use our site to recommend our site to others.

How We Use The Information We Collect

We use the personally identifiable information you volunteer online to:

• better understand your needs
• provide you with better service
• communicate back to you
• provide our services to you
• fulfill a specific request made by you
• help you complete a transaction
• create a more complete client record by combining it with information you provide offline
• provide you with pertinent information we believe to be of interest to you
• update you on our services, special offers, and upcoming events
• contact you for occassional market research purposes

We never use or share the personally identifiable information provided to us in ways unrelated to the ones described above without also providing you an opportunity to opt-out or otherwise prohibit such unrelated uses.

How We Disclose Your Information

We will never share, sell, lease, or convey your personally identifiable information to anyone without your advance permission or unless ordered by a court of law. We will only share your information internally with our employees who are acting on our behalf to the extent necessary to provide our services to you. They will protect your personally identifiable information in accordance with this Privacy Policy.

Third Party Internet Sites

This site contains links to other sites that have separate and independent privacy and data collection practices. We encourage you to learn about the privacy policies of the respective company sites. We do not share your information with these sites and we bear no responsibility or liability for their policies or actions.

How We Protect Your Information 

To prevent unauthorized access or disclosure, maintain data accuracy, and ensure the appropriate use of information, we have put in place appropriate physical, electronic and managerial procedures to safeguard and secure the information we collect online. For futher protection, we urge you to exercise caution when you are on the Internet by changing your passwords often, using a combination of upper and lower case letters with numbers, and making sure you're using a secure connection.

How You Can Access or Correct Your Information

To request access to all of the personally identifiable information that we collect online and maintain on you, or to correct any errors in such information, please send an email request to getsmart@credithour.com. To protect your privacy and security, we will take reasonable steps to verify your identity before making any corrections.

Your Consent

By using the this site, you consent to the collection and use of your personally identifiable information by Credit Hour, Inc. as disclosed in this Privacy Policy. If we change our Privacy Policy, we will post those changes on this site so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it. We encourage you to review this policy regularly for changes as it is subject to change at any time.

If you have any questions or concerns regarding this Privacy Policy or the online practices of this site, please don't hesitate to contact us via one of the methods below:

Phone:		(888) 2-GET-SMART         (888) 243-8762		Monday - Friday 9 am - 5 pm ET
Email:		getsmart@credithour.com
US Mail:		Credit Hour, Inc. 33966 W 8 Mile Road Suite 100 Farmington Hills, MI 48335