Last Updated August 2015
Habits at Work is part of Intersections Inc.
WHO WE ARE
Intersections is a leading provider of identity protection services and financial information and education services for consumers. We are also a provider to major financial institutions and other entities of identity theft management and mitigation services for their consumer customers. Learn more about us.
WHAT PERSONAL INFORMATION ABOUT YOU DO WE COLLECT?
The types of personal information which we collect about you depend upon the service or product which you purchase. We collect and retain information about your transactions with us. In order to provide our services and products to you, we may obtain from you, for example, your full name; your mailing address; your e-mail address; your phone numbers; your Social Security number; your credit card information; or other account or payment information, as needed. With your express authorization, we may also obtain your credit report from one or more of the national credit bureaus. In addition, we may obtain information about you from other third parties in connection with providing you with the products or services that you request and to help us understand our customer base. For example, we may obtain information about you from sources such as public record vendors, technology providers, the Internet and other sources.
DO WE COLLECT INFORMATION ABOUT YOUR VISIT TO OUR WEBSITES, INCLUDING USING COOKIES AND OTHER TECHNOLOGIES?
Even if you do not purchase one of our products or services, we retain, on a long-term storage basis, personally identifiable information about you if you volunteer information to us online or you sign in online to one of our member areas. Doing so permits us to understand and accommodate your online preferences and manage your relationship with us.
Our websites also may use various technologies to collect information when someone visits our websites. For example, as you browse one of our websites we may collect information about your visit, but not identifiers such as your name, phone number or e-mail address. Via Web server logs, for example, we may monitor statistics such as: the number of people that visit our site, which page(s) are visited on our site, from which domain our visitors come (e.g., aol.com, hotmail.com, etc.), and the type of Internet browsers people use to visit our site (e.g., Microsoft Internet Explorer, Safari (for Apple Computers), Mozilla Firefox, etc.). We also may use outsourcing programs, such as Google Analytics to assist us in analyzing data to better understand traffic to our websites, to tailor our websites and for advertising purposes. If you would like to opt-out of Google Analytics, please visit https://tools.google.com/dlpage/gaoptout/ for additional information and instructions from Google about how to do so.
We may use Google and other third-party advertising companies and advertising networks to serve ads and collect information when you visit our website. These companies may use information (not including your name, phone number or email address) about your visits to this and other websites over time in order to provide advertisements on this and other websites about goods and services that may be of interest to you. This information often is aggregate data or individual information that is tied to a browser or device rather than specific identifiers such as the visitor’s name and address; however, some of this information might be considered to be personally identifiable under some federal or state laws. If you would like more information about network advertising and to know your choices about not having this information used by third-party advertising companies, please visit: http://www.networkadvertising.org/managing/opt_out.asp.
With Google, for example, we use several Google offerings, including Display Advertising, Remarketing, Google Display Network Impression Reporting, and Google Analytics Demographics and Interest Reporting as part of our online advertising efforts. These tools do things such as facilitate the display of third party advertisements that may be of interest based on your online browsing history when you visit our site, as well as to facilitate the advertising of our offerings to you when you visit other websites. These Google tools also help us to better understand the effectiveness of our online advertising and understanding, on an aggregated basis, the demographics and interests of visitors to our website. For more information about how these Google advertising tools work, please visit: https://support.google.com/analytics/answer/2404395?hl=en&ref_topic=1631776&rd=1. In addition to the Google Analytics opt-out described in the preceding paragraph, Google also has a mechanism that allows individuals to customize their advertising preferences. For more information, please visit: https://support.google.com/ads/answer/2662856?hl=en.
Finally, Intersections websites may include links to websites operated by third parties. We do not control the information, through cookies or otherwise, that those third parties may obtain from you if you follow links to visit their websites, nor do we control their use and sharing of that information.
DO WE COLLECT INFORMATION FROM OR ABOUT CHILDREN?
None of our products and services or websites are designed for use by minors under the age of 18. If you are under 18 years old, please do not submit any personal information to us.
Parents and guardians of minors may be eligible to purchase our minor monitoring service. If you purchase the minor monitoring service, you must provide us with proof, satisfactory to us, that you are, in fact, the parent or legal guardian of the child in order to obtain information about a child through this service. Except to provide the minor monitoring service to enrolled customers, we do not intentionally obtain or retain information about minors.
If you are participating in the minor monitoring service, we do not share information about your child for any purposes, including marketing, except as expressly authorized by you or as set forth below:
- We may share information about your child to protect against fraud or as otherwise permitted or required by law, including to protect our legal interests.
HOW DO WE USE THE INFORMATION WHICH WE COLLECT ABOUT YOU?
We use personal information about you to verify your identity and to protect against fraud. We also use this information for our everyday business purposes, such as quality assurance and testing; to process your transactions; maintain your account; respond to court orders and legal investigations; or interact with our service providers. Further, we use your information to market our products and services to you and for joint marketing with other companies. We do not use your credit report information except as required or permitted by law.
WHAT INFORMATION ABOUT YOU DO WE SHARE?
We do not share personally identifiable information about you with nonaffiliated third parties, except as follows:
- With our service providers that help us to provide our products and services to you (such as credit card processors, credit bureaus and other sources of information we include in our services, and firms that assist us with our mailings, marketing and related services).
- In accordance with your express instructions or authorization.
- If you enrolled in the service via a financial institution with which we have a joint marketing agreement, we also may disclose certain of your information to that financial institution solely for use in connection with our jointly offered products and services. A joint marketing agreement between Intersections and a nonaffiliated company is an agreement under which Intersections and our nonaffiliated marketing partner agree to market various products or services to you.
- We may share personal information with companies affiliated with Intersections in cases where our affiliated company is providing services to Intersections. We do not, however, share personal information about you with our affiliated companies for their marketing purposes.
- Finally, in addition to the purposes described above, we may share personally identifiable information about you with nonaffiliated third parties for fraud prevention or other non-marketing purposes as permitted or required by law.
CAN YOU OPT-OUT OF OUR SHARING OF PERSONAL INFORMATION ABOUT YOU?
Financial companies, including Intersections, choose how they share your personal information. Federal law gives you the right to limit some, but not all, sharing. We have already indicated the circumstances under which we share your personal information. However, it is important for you to know that you may elect for us not to have us contact you for marketing purposes. You may call us or, if we send you an e-mail primarily for a marketing purpose, you may follow the instructions in the e-mail to opt out of receiving further marketing communications.
HOW DO WE PROTECT PERSONALLY IDENTIFIABLE INFORMATION ABOUT YOU?
To protect personal information about you from unauthorized access or use, we permit access only to Intersections employees and our service provider employees who have a need to know. In addition, we have implemented, and we maintain, technical, administrative and physical security safeguards.
If Intersections is acquired by another company or business, or merges with another company or business, or enters into any similar business transaction, personal information about you may be transferred as a part of that transaction. We will post a notice of that transaction on our websites and/or send you a privacy notice, if required by law.
QUESTIONS AND COMMENTS?