Security and Privacy Policy

Effective on February 22, 2010

This privacy statement describes how Actual CreditWorth collects and uses the personal information you provide on our Web site: www.actualcreditworth.com. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.

A word on safety, security, anonymity and total privacy: From the start of Actual CreditWorth®, Inc., we have endeavored to treat your information with the utmost security and privacy, thereby ensuring your total anonymity within our system. That is why we DO NOT have or require your personal information to use our site. You can log in using any name of your choosing and whatever password you wish. We do not have access to you password in any other sense than a line of XXXXXXX. Individuals at Actual CreditWorth® cannot view it.

Actual CreditWorth is a member of the TRUSTe Privacy Program. TRUSTe is an independent, organization whose mission is to build user's trust and confidence in the Internet by promoting the use of fair information practices. This privacy statement covers the Web site www.actualcreditworth.com. Because this Web site wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe.

If you have questions or concerns regarding this statement, you should first contact us at contact@actualcreditworth.com. If you do not receive acknowledgement of your inquiry or your inquiry has not been satisfactorily addressed, you should contact TRUSTe at http://watchdog.truste.com/pvr.php?page=complaint&url=

TRUSTe will then serve as a liaison with us to resolve your concerns.

Collection and Use of Personal Information

We collect the following personal information from you

• Contact Information such as your email address
• Billing Information such as credit card number, and billing address (collected by our cart provider)
• Unique Identifiers such as user name, password

We also collect the following information from you

• Demographic information such as income level

As is true of most Web sites, we automatically gather information about your computer such as your IP address, browser type, referring/exit pages, and operating system.

We use this information to

• Fulfill your order
• Send you an order confirmation
• Respond to customer service requests
• Respond to your questions and concerns
• Improve our Web site
• Conduct research and analysis

Choice/Opt-Out
We only send you service related emails in response to your request. These are generally one time response emails and not promotional in nature. If you wish for us to delete your previously supplied email address you can contact us at contact@actualcreditworth.com with your request.

Information Obtained from Third Parties

If you provide us personal information about others, or if others give us your information, we will only use that information for the specific reason for which it was provided to us.

Information Sharing

We will share your personal information with third parties only in the ways that are described in this privacy statement. We will not sell, loan, rent or otherwise share your personal information with anyone for their promotional purposes.

We may provide your personal information to companies that provide services to help us with our business activities such as web site hosting or offering customer service. These companies are authorized to use your personal information only as necessary to provide these services to us.

We may also disclose your personal information

• as required by law such as to comply with a subpoena, or similar legal process
• when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request,
• if Actual CreditWorth is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information,
• to any other third party with your prior consent to do so.

Third Party E-Commerce Solutions Provider
Our shopping cart is hosted by our e-commerce solutions provider. They host our ordering system, and collect your billing information directly from you for the purpose of processing your order. This company does not use this information for any other purpose and they do not share, nor do we store, your sensitive personal information (credit card number) back with us.

Cookies and Other Tracking Technologies

We, or our third party partners, may use cookies, for example, to keep track of your preferences and session information. Cookies are also used to collect general usage and volume statistical information that does not include personal information.

Links to Other Web Sites
Our Site includes links to other Web sites whose privacy practices may differ from those of Actual CreditWorth. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any Web site you visit.

Security

When we collect personal information directly from you, we follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can contact us at contact@actualcreditworth.com

In order to make a purchase from us, you must use our shopping cart provider to finalize and pay for your order. Its privacy statement and security practices will also apply to your information. We encourage you to read that privacy statement before providing your information.

Additional Policy Information

Correcting and Updating Your Personal Information
To review and update your personal information to ensure it is accurate, contact us at contact@actualcreditworth.com.

Notification of Privacy Statement Changes
We may update this privacy statement to reflect changes to our information practices. If we make any material changes we may notify you by email (sent to the e-mail address provided at the time of your order) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Contact Information

You can contact us by writing or email us at the address below:

Actual CreditWorth
37 Haywood Street
Ashville, NC 28801
Email: contact@actualcreditworth.com

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