The Information We Collect from You
RealSerious.com, a service of AmerUSA (“AmerUSA”), allows you to provide third party access to your credit report, public record information, and related information (“Credit Information”) conveniently and affordably through our Web site. We collect your personal information only if you decide to provide third party access to your Credit Information, subscribe to our newsletter, participate in one of our contests or surveys or transact other business with us. In order to process your transactions and provide you with quality customer service, we need your full name and current and/or billing address, your email address (so we can contact you) and, if you requested to pay for a third party’s access to your Credit Information, a valid credit card number, your Social Security number and certain other personal information, such as your date of birth, address information, employment information, and certain credit card and loan account information. We use personal information to authenticate the credit card number and to confirm that the person requesting your credit report really is you and not an impostor or other person improperly seeking to access your information.
What Security Measures We Take
AmerUSA takes precautions to secure your personal information. If and when we ask you to provide your personal information, we will do so through a web page that uses the Secure Sockets Layer (SSL) protocol. This protocol provides security for your information by encrypting it as it travels from your computer to our computer. We then move all of the personal information that we collect or obtain about you, including your credit report, to a special computer for security purposes by means of a one-way transfer on our proprietary network. This special computer is not connected to the Internet, and AmerUSA has controls in place to limit access to and secure the data maintained therein.
How We Use and Share Your Personal Information
If you indicate to us that you are interested in receiving information regarding other products and services your name and e-mail address may be shared with a third party in order to present these offers to you. Personal information that is shared with these entities will be monitored in accordance with our security and confidentiality policies. If you prefer not to receive such information, you may indicate your preference by marking the appropriate box when you register, place an order or update your account information, and AmerUSA will not send you any promotional materials.
When you agree to share your Credit Information, AmerUSA will share that information to identified third parties. AmerUSA must also share some of your personal information with third parties in order to process your transaction. For example, AmerUSA must share your name, address and social security number with one or more of the major credit reporting agencies in order to obtain your requested credit report, and must share your name, address and credit card account number with our credit card processing partner in order to process your payment.
If you indicated to us when you registered, placed an order or updated your account that you were interested in receiving information about products and services provided by AmerUSA, your name and email address may be shared with a third party in order to present these offers to you. These entities are only allowed to use shared information for the intended purpose only and will be monitored in accordance with our security and confidentiality policies. In the event you indicate that you want to receive offers from AmerUSA, your information may be used to serve relevant ads to you when you visit the site. AmerUSA also may disclose your personal information to third parties in the good faith belief that such action is necessary in order to comply with, or be responsive to, legal process served on us (such as a subpoena), or if we believe such disclosure is necessary to protect and defend the rights, property or safety of AmerUSA, our users or others. In addition, we may disclose your personal information to consultants, agents and advisors, such as attorneys and accountants, in the good faith belief that such disclosure is within the scope of their professional duties to AmerUSA and with the understanding that such professionals will abide by our security and confidentiality policies.
The Collection of Anonymous Data
In order to enhance the usefulness of our web site and our products and services, AmerUSA will collect data about our customers' use of our web site, in a manner that does not include any personally identifiable information. While you browse the AmerUSA web site, we note which pages of our site you visit and note the IP address of your computer (as all Web sites do automatically), but we do not link that address information to your personal information. The general information we gather enables us to serve our customers better by continually enhancing our site based on up-to-date use patterns.
Updating Your Personal Information
You can correct or update at any time the personal information that you provided and that we maintain on you by accessing the AmerUSA web site and selecting "My Account" from the Main Navigation Menu. AmerUSA is not responsible for and cannot amend the information in your credit report, which is produced by one or more credit reporting agencies. If you believe that some of the information in your credit report is inaccurate, you must contact the applicable credit reporting agency directly.
Notification of Changes to this Privacy Statement
AmerUSA may amend this Privacy Statement at any time, but will notify users in advance of any material change, by posting a notice of the change in a prominent position on the home page of the AmerUSA web site. If the amendment would permit us to share your personal information with third parties in a manner materially different than described in this Privacy Statement, unless required by law or court order or in order to safeguard the operations of our site or our customers, you will be given an opportunity to inform us that you do not consent to such sharing of your personal information.
cookie when you terminate your session.
We may use third-party advertising companies to serve ads on our site or on other sites which we use for advertising. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness; and they are not authorized to use the information we share with them for any other purpose. Any information that these third parties collect via cookies and action tags is completely anonymous.
Links to Other Web Sites
Policy Regarding Children
We define children as individuals under the age of 18. Our Web Site is not intended for the use of children and we do not intend to collect information about children through our Web Site. You must be at least 18 to use this website.