Privacy Policy/TOS
Terms of Use
Please read these Terms of Use carefully before using this site. By using this site, you signify your agreement with these Terms of Use. If you do not agree with any of the below Terms of Use, do not use this site. L2C reserves the right, in its sole discretion, to modify, alter or otherwise update these Terms of Use at any time. Such modifications shall be effective immediately upon posting of the modified Terms of Use. By using this service after we have posted notice of such modifications, alterations or updates, you agree to be bound by the revised terms. These Terms of Use were last updated on May 25, 2010. L2C retains the right to deny access to anyone at its complete discretion for any reason including for violation of any of these Terms of Use. This Web site provides links to many other Web sites affiliated with L2C that may have Terms of Use Policies different from, or in addition to, the Terms of Use specified herein, particularly in the case of Web sites hosting third-party content or that allow postings by third-parties. By accessing such Web sites through links provided on this Web site, you agree to abide by each applicable Terms of Use policy as therein specified.
Use of Site Information
Information that you may view, copy or download at this web site is not a transfer of title to that information. Any of the information you copy or download ("information") is subject to the following restrictions:
- the information must in all instances retain all copyright and other proprietary notices contained in the information;
- the information may not be used for any commercial purpose other than evaluating the benefits of doing business with L2C; and
- the information must not be transferred to any other person unless such other person is apprised of and accepts all obligations arising under these terms and conditions of use.
This web site, including all information, is copyrighted and protected by copyright laws and treaty provisions. By visiting this site, you agree to comply with all applicable copyright laws. Except as expressly provided herein, L2C does not grant any express or implied right under any trademarks, copyrights or trade secret information.
Disclaimer of Warranties and Liability
L2C cannot assure the materials on this web site to be correct or current in every respect, nor does L2C express or imply any representations or warranties regarding the accuracy or completeness of materials contained on this site. L2C shall not be liable for any third-party content or "links" that may be accessed through our web site. L2C does not ensure the privacy or confidentiality of any communication made through this site. L2C does not warrant that the content or functions of this site will be error-free or that it is free of viruses or other harmful agents. L2C shall under no circumstances be liable for any special, incidental or consequential damages that result from the use of, or the inability to use, the materials or services contained in or represented on this site.
Links to and from Third Party Sites
Hypertext links in this web site may direct you to the web sites of others. The linked sites are not under the control of L2C and L2C is not responsible for the availability or contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. L2C is not responsible for webcasting or any other form of transmission received from any linked site. L2C is providing these links to you only as a convenience and the Inclusion of any link does not imply L2C's endorsement of the site. L2C is not liable in any way for the outside services and web sites to which web site may link.
To obtain consent to create a hypertext link to this Site, please email your request to Contact Us or send regular mail to Internet Manager; L2C, Inc., P.O. Box 550089, Atlanta, GA. 30355. If approved, you will be granted a limited, non-exclusive right to create a hypertext link to this Site provided that such link (i) does not portray L2C and/or its affiliates or any of their respective products and services in a false, misleading, derogatory or otherwise defamatory manner; and (ii) does not imply any sponsorship, approval, endorsement or affiliation of your web site or products by L2C. Your linking rights will not provide you any rights to any trade or service marks, site content or any other intellectual property of L2C. L2C may revoke this limited linking right at any time.
Copyrights, Trademarks and Restrictions
This entire web site is protected by copyright law and international copyright treaty. Except as otherwise provided, copying or reproduction of any material from this site to any other location for further reproduction or redistribution is expressly prohibited. Any reproduction or redistribution of any content of this site is a violation of copyright law.
The L2C logo, the name L2C, Link Marketing, FirstScore, Link2Credit , and Link2Cell are registered service marks of L2C, Inc. ("L2C"). ValueLink is a service mark of L2C for its subscriber and customer management and consultation services. The use of these service marks without ® does not constitute a waiver of any rights conveyed from the United States Patent and Trademark Office. The absence of a product or service name or logo from this list does not constitute a waiver of L2C's service mark, trademark or other intellectual property rights concerning that name or logo.
Certain other marks mentioned in this site are service marks, trademarks or registered marks of their respective owners and are used with permission.
All L2C credit analysis methods and models are proprietary intellectual property of L2C and may be used only by L2C. Data sources are confidential. All information used by L2C in its credit evaluation processes and all methods employed in L2C processes comply with the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. as amended and other relevant laws.
Privacy
L2C is very respectful about the privacy concerns of the visitors to its sites on the Internet. As a general policy, no personal information is automatically collected from visitors to this site. However, certain non-personal information of visitors may be recorded by the standard operation of L2C's Internet servers. This information is primarily used to provide an enhanced online experience for the visitor. E-mail addresses and other personally identifiable data about visitors to this site are known to L2C only when voluntarily submitted by the users. L2C will only use personally identifiable data provided at this site for the purposes described at the time it is collected.
L2C restricts access to nonpublic personal information about consumers whose credit L2C evaluates. L2C is required by law to maintain the confidentiality of information provided to us and not use it except as required to provide its services to or on behalf of consumers. We maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information. Information you may provide to us is transmitted to us through a secure sockets layer (SSL) transmission. In addition, information we collect is subject to numerous measures designed to help protect it from unauthorized access or alteration, including for example, internal and external firewalls, physical security measures, and encryption of certain information. Although no security measures can provide absolute protection of data, but we will strive to provide a superior level of protection for your information.
L2C does not presently place cookies but in the future this policy may change. A "cookie" is a small piece of information sent by a Web server and stored by the user's Web browser so the information can later be read back from that browser. Cookies enable the browser to identify itself to the server, and allow the server to maintain an active "session" with an individual user. Cookies help the browser remember some specific information. We may in the future use a third-party tracking service that uses cookies to gather statistical information about how our site is used. This information will not be connected to any of your personal information.
We want you to be fully informed about how we will use your information and protect your privacy. We may change this Privacy Policy in the future. You agree that we may notify you of changes in our Privacy Policy by posting a new or updated policy on the Web sites. We will notify you of any material changes by providing a notice to that effect on the home page. You should periodically check this Privacy Policy for changes. Changes will take effect 30 days after we post a new or updated Privacy Policy. Your continued use of our site following the posting of changes to this Policy will mean you accept those changes.
Other Terms and Conditions
In all respects, your use of this site is governed by and enforced in accordance with the laws of the State of Georgia, USA, as it is applied to agreements entered into and to be performed entirely within Georgia, You agree that any legal action or proceeding between Fair Isaac and you for any purpose concerning this Site or the parties' obligations hereunder is to be adjudicated in the state and federal courts located in Fulton County, Georgia, USA. L2C's waiver of any provisions or conditions of these terms of use or the acquiescence of L2C hereto in any act (whether commission or omission) shall not constitute a general waiver of such provisions or conditions. You agree to indemnify, defend and hold harmless L2C, Inc., its officers, directors, employees, agents, licensors, suppliers and any third party providers of information or services to the Site from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of these Terms of Use. Any and all rights not expressly granted herein are reserved.