Your privacy is important to Axa 1 Holdings, LLC (“ACS”, “Approved Credit Score”, “we”,  “us”, or “Company”). Please read our Privacy Policy carefully to understand how we collect, use, disclose, transfer, and store your information. By visiting this website or agreeing to content that includes a link to this document (“Online Ads”), you agree to the practices described in this Privacy Policy and our Terms of Use
  1. Our Collection and Use of Personal Information
Personal Information is information you provide us that can be used to uniquely identify or contact a single person, such as your name, email address, phone numbers and tax identification number. You may be asked to provide Personal Information when you interact with Approved Credit Score, Online Ads, or one of Approved Credit Score ’s related companies, such as in connection with a completed or abandoned transaction or a request for information from Approved Credit Score. Approved Credit Score and its related companies may share your Personal Information with each other and use it consistent with this Privacy Policy. Approved Credit Score may supplement the Personal Information you provide with Personal Information available from other sources, such as public databases, data aggregators, and other commercially available sources.
  1. Examples of Personal Information We Collect and How We Use It
You may provide Approved Credit Score with a variety of Personal Information, including your name, mailing address, email address, phone number, payment information, and tax identification number. The Personal Information we collect allows us to deliver requested products, services and information to you, to stay in contact with you, and to manage Approved Credit Score ’s relationship with you. By providing Approved Credit Score with Personal Information, you consent to Approved Credit Score ’s transfer and storage of that information. Approved Credit Score also may use your Personal Information for research, development, and analysis, and for advertising, marketing, product and service offerings, security, fraud prevention, and other business activities.
  1. Our Collection and Use of Non-Personal Information
Non-Personal Information is information in a form that does not allow for direct association with a specific person. This information is compiled and analyzed on both a personal and an aggregated basis. We may collect, use, monitor, analyze, transfer, and disclose Non-Personal Information for any purpose.
  1. Examples of Non-Personal Information We Collect and How We Use It
We may collect and aggregate information regarding user access, activity and behavior on our website, such as when you visit the website and what content is of interest or seems to be most useful to you. If we combine Non-Personal Information with Personal Information, the combined information is treated as Personal Information for purposes of this Privacy Policy.Non-Personal Information includes:Device Information – We may collect specific information for the device you use to access our website. For example, we may collect device model, IP address, MAC address, operating system version, application software, fonts, and other device information and identifiers.Cookies and Other Technologies – We use a variety of technologies to collect and store information when you visit our website. This technology may involve sending web beacons and cookies or anonymous identifiers to your device. We use Cookies and Other Technologies to analyze your behavior when accessing our website and to deliver ads to you that relate to your interests.Log Information – When you visit our website, we collect certain information automatically and store it in log files. This information includes IP address, browser version, ISP data, referring and exit pages, operating system version, date / time stamps, cookie data, and clickstream data. We use Log Information to administer the website, analyze trends, maintain site security, learn about user behavior, and improve the overall quality and availability of the site.Click-Through URLs – In some email messages, we use a Click-Through URL to link to content on our website. When you click one of these URLs, you pass through a separate web server before reaching our site. We use Click-Through URLs to help us determine interest in a particular topic and to measure the effectiveness of our email communications.Anonymized Information – If we separate Non-Personal Information from Personal Information, the separated information is treated as Non-Personal Information for purposes of this Privacy Policy.
  1. Our Sharing of Information with Others
Personal InformationWe do not share Personal Information with businesses or individuals outside of Approved Credit Score, except under the following circumstances:Consent – We will share your Personal Information with others outside of Approved Credit Score when we have your consent to do so.Service Providers – We provide Personal Information to related companies and other trusted businesses or persons who use, analyze, or process it on our behalf, based on our instructions and in compliance with appropriate confidentiality and security measures. For example, we may use others to:
  • deliver, evaluate the effectiveness of, and assist in improving our products and services
  • conduct consumer research and satisfaction surveys
  • assist us in analyzing and understanding consumers and how to reach them more effectively
  • assist us in fraud prevention, with our security measures, and to provide us technical support
  • provide customer support
  • manage customer data, and to ensure data integrity and accuracy
  • process financial transactions and perform accounting functions
  • advertise, market, or make product or service offerings
Legal Reasons – We will share Personal Information with others outside of Approved Credit Score if we have a good-faith belief that disclosure is necessary or appropriate to:
  • comply with applicable law, regulation, legal process or enforceable governmental request
  • protect our operations or customers
  • detect, investigate, or address fraud, security, or technical problems
  • investigate potential violations of and enforce applicable terms of service
In the event of a reorganization, merger, or sale we may transfer any and all personal information we collect to the relevant third-party.Non-Personal InformationWe may share Non-Personal Information publicly and with our strategic partners. For example, we may share Non-Personal Information to describe the size and success of our firm.
  1. Transparency and Choice
Approved Credit Score may use third-party display advertising companies, including Google, to serve Approved Credit Score ads on its behalf on sites across the Internet. Approved Credit Score and its display advertisers use cookies to inform, optimize, and serve ads based on your past visits to Approved Credit Score ’s website.You may find additional information, opt-out of, or otherwise customize display advertising from Google or DoubleClick by visiting Google’s Ads Preference Manager.You may find additional information and opt-out of other participating third-party display advertising by visiting the Network Advertising Initiative opt-out page.Approved Credit Score may use third-party analytics companies, including Google Analytics to analyze and understand user behavior when visiting our website.You may find additional information and opt-out of Google Analytics by visiting the Google Analytics opt-out browser add-on.You also may want to consider disabling cookies within your browser. Please note, however, that certain features of the Approved Credit Score website will not function properly or be available once cookies are disabled.
  1. Social Media Plug-ins
Plug-ins for social networks, such as Facebook, Twitter, LinkedIn, Yahoo, Windows and Google plus (among others), may be integrated on Approved Credit Score’s website.By interacting with us through a social media plug-in, certain information will be transmitted to the related social network, and you permit us to have on-going access to information from your social network profile. If you do not want the social network to collect information about you, or to share it with Approved Credit Score and other third parties, please review the privacy policy of the relevant social network and/or log out of the relevant social network before you visit Approved Credit Score ’s site.
  1. Information Security and Retention
Approved Credit Score takes precautions to safeguard your Personal Information from loss, theft, and misuse, as well as unauthorized access, disclosure, alteration, and destruction. These precautions include technical, physical, and managerial procedures. Because email and instant messaging are not recognized as secure communications, we request that you not send private information to us by email or instant messaging services. We regularly review our compliance with our Privacy Policy and enforce safeguards within the company. We are committed to working with appropriate regulatory authorities to resolve any complaints regarding the transfer of Personal Information that we cannot resolve with our customers directly. Approved Credit Score uses Secure Sockets Layer (SSL) encryption on all pages where Personal Information is collected. This protects the confidentiality of your Personal Information while it is transmitted over the Internet. For your own protection, you should exercise care with the information you share over the Internet. You should always use a secure browser and exercise good judgment in using passwords, such as using a combination of upper and lower case letters, numbers, special characters, and you should avoid using the same or similar passwords across multiple sites. Clients may access their Personal Information by logging into their account. We make good-faith efforts to give you ways to update or to delete your Personal Information quickly, unless we need to keep that information for a legitimate business or legal purpose. Some changes require personal contact with an assigned Approved Credit Score representative. Approved Credit Score retains Personal Information and Non-Personal Information for the time necessary and reasonable to fulfill the purposes outlined in the Privacy Policy, unless a longer retention period is required or permitted by law. We may reject requests to change or delete information that are unreasonably repetitive, require disproportionate technical effort (for example, requiring the development of new systems or fundamental changes to existing systems), risk the privacy of others, or would be extremely impractical (such as information stored on backups). We work to protect data from accidental or malicious destruction. Accordingly, we may not immediately delete or change residual copies and we may not delete or change information from our backup systems. Unless a disproportionate effort is required, we will provide information access and correction without charge.
  1. Third Party Privacy Policies
This Privacy Policy only addresses the use and disclosure of information we collect from you. This policy does not apply to the practices of companies that Approved Credit Score does not own or control or to people that Approved Credit Score does not employ or manage. Approved Credit Score does not control the privacy policies of third parties, and you are subject to the privacy policies of those third parties where applicable. We encourage you to ask questions before you disclose your personal information to others. For more information about each such third party, please refer to the third party’s privacy policy. If you provided your information on the website of an entity not related to Approved Credit Score, and that entity shared your information with us, the privacy policy of that website governs the non-related entity’s use of your information, which may be different from this policy.
  1. Children
We do not knowingly collect Personal Information from children under 18. If we learn that we have collected the personal information of a child under 18, we will take steps to delete the Personal Information as soon as possible.
  1. Consumer Surveys
Approved Credit Score may invite you to join a survey panel through which you will be able to share your opinions about proposed new services or other issues relevant to Approved Credit Score and its practice. Your participation in this panel is voluntary and is not required in order to engage Approved Credit Score ’s services. Opting in also does not affect your ongoing Approved Credit Score services. If you are invited to join a survey panel, your input may be sought in order to assist Approved Credit Score to better market its Approved Credit Score services to interested consumers and provide more efficient and effective services overall. You agree that Approved Credit Score, including its third party providers, can use (as it chooses and at its sole discretion) any information and feedback you provide in response to survey and panel questions. You acknowledge and agree that Approved Credit Score will be the sole owner of the services and survey questions about which you provide information and feedback and that you have no claim to any Approved Credit Score services or the revenue or profits derived from them. You hereby assign to Approved Credit Score all intellectual property rights embodied in the information and feedback you provide to Approved Credit Score (about the services and in response to the survey questions) and shall execute any documents necessary to effect the foregoing. All information and feedback you provide to Approved Credit Score as part of the panel is the confidential business proprietary information of Approved Credit Score and you shall not disclose such information and feedback to anyone other than the designated individuals at Approved Credit Score responsible for the services and/or survey(s). You warrant and represent that your participation on the panel will not violate the rights of any person or entity and will not cause liability for payment to any entity or person. If you participate, you will be awarded points based on your completing surveys and otherwise engaging in the panel. You acknowledge and agree that you understand that any points or awards provided are solely for completing surveys and otherwise participating in the panel. It is within Approved Credit Score ’s sole discretion to decide what award to provide and the points that will be required for an award. The award system may be changed at Approved Credit Score ’s discretion, but if a panel participant has met the minimum requirement for an award, that award will be provided to the individual before applying a new incentive structure.Because your participation in the panel is not required for your Approved Credit Score services, you may opt out of the panel at any time without terminating your Approved Credit Score representation. Similarly, you may continue serving on the panel even if your Approved Credit Score representation ends. You will need to opt out of the panel in order to no longer receive emails or informational material about the panel surveys unless participation is terminated by Approved Credit Score . Approved Credit Score reserves the right to terminate your participation in the panel at any time. Some of the reasons your enrollment in the panel may be terminated include, but are not limited to, inactivity from all panel activities for a period of time or offensive conduct toward Approved Credit Score , its employees, contractors, or agents, or toward fellow panel members. If Approved Credit Score terminates your participation or if you voluntarily cancel your participation, you will receive the appropriate award for all points you have accrued to date if those points have accumulated to the minimum required for any award; otherwise, all points will be forfeited. As a member of the panel, you will receive e-mails and other material from our third party provider(s) and you may be asked additional information about yourself. The personally identifying information you provide Approved Credit Score and third party provider(s) will be treated as set forth in this Privacy Policy. Under no circumstances will Approved Credit Score share with its third party provider(s) information about your client case unless you provide specific, written authorization to do so.You also acknowledge and understand that information you provide as part of the panel will be kept on the platform provided by Approved Credit Score’s third party provider(s). This type of information may include answers you have given as part of the panel registration process and substantive answers you have given in surveys.
  1. Privacy Policy Changes and Questions
Approved Credit Score may update its Privacy Policy from time to time. Changes to this Privacy Policy will be posted on this website, with a corresponding revision date. Please check the website and Online Ads each time you use them for the most current information and to ensure that you are aware of any updates. 
  1. Request for Information
If you have any questions or concerns about Approved Credit Score ’s Privacy Policy, please contact us: [email protected] Updated 01/12/2017