Privacy Policy – Commitment to Your Privacy
This site is owned and operated by National Credit Federation (NCF). Your privacy on the Internet is important to us. At NCF, we want to make your experience on our website educational, satisfying, safe and secure. Because we gather certain types of information about our users, we feel you should understand our policy and the terms and conditions surrounding the how we get and use of that information. This privacy statement discloses what information we gather and how we use it.

Sharing of Information
NCF does not share, sell, rent, or in any other way provide your information to anyone for any use or under any circumstance.

Security
NCF operates secure data networks protected by industry standard firewall and encryption protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our customers.

Information NCF Gathers and Tracks
NCF gathers two types of information about users:
Information that users provide manually on our web site. This information is gathered on our Enrollment (Sign Up) Form and includes name, address, email address, Social Security Number, and date of birth. This information is not shared or used for any marketing purposes whatsoever.
Information NCF gathers through aggregated tracking information derived mainly by tallying page views throughout our sites. This information allows us to better tailor our content to readers’ needs and to help us better understand the demographics of our audience.

Usage Tracking
NCF tracks user traffic patterns. However, we do not correlate this information with data about individual users. NCF does break down overall usage statistics according to a user’s domain name, browser type, and MIME type by reading this information from the browser string (information contained in every user’s browser). NCF sometimes tracks the search terms that users enter in public search engines, which generate a “click through”, but this tracking is never associated with individual users. We use tracking information to determine the effectiveness of individual search terms.

Cookies
We may place a text file called a “cookie” in the browser files of your computer. The cookie itself does not contain Personal Information although it will enable us to relate your use of this site to information that you have specifically and knowingly provided. But the only personal information a cookie can contain is information you supply yourself. A cookie can’t read data off your hard disk or read cookie files created by other sites. NCF uses cookies to track user traffic patterns (as described above). You can refuse cookies by turning them off in your browser. If you’ve set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. You do not need to have cookies turned on to use this site.

Your Consent
By using this site, you consent to the collection and use of this information by NCF. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

Public Safety and Legal Process
We will not share information about individual users with any third party, except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.