Privacy Policy

Your privacy is important to us. Your Credit Alliance (YCA) DOES NOT disclose any information about you to anyone, except as permitted by law. Access to your information is restricted to those employees who need to know that information to provide service to you. We maintain physical, electronic and procedural safeguards to protect this information. By law, your information is properly disposed of after the statute of limitations has expired.

Why we collect personal information

We collect personal information to enroll you in our service. The information we require is kept to the minimum necessary to establish online or offline services. YCA uses your personal information to provide you with improved customer service, communicate with you regarding your case file via your personal client web portal or emails. In addition, we use your personal information to keep you up to date on our latest service, credit news updates, special offers, and other information we think you may wish to hear about. From time to time, we may also use your personal information to contact you to participate in a market research survey so we can gauge client satisfaction and improve our service further.

How we collect personal information

We collect information about you at the time you sign up for our service, and any time we enter information from your credit report or creditor/bureau replies into our database. The latter is necessary to make that information and account status available to you via the client web portal. In addition, when you sign up for a new YCA service, or ask to be included in a mailing list, we may collect and store the information you provide in a database.

When we disclose personal information

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as these parties agree to keep your information confidential. Because the ability to communicate with our clients during any part of the credit correction process is absolutely essential, your personal information may be shared with any and all YCA employees. They will protect your personal information in accordance with the YCA Customer Privacy Policy and internal policy and procedures as well.

When we disclose personal information

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as these parties agree to keep your information confidential. Because the ability to communicate with our clients during any part of the credit correction process is absolutely essential, your personal information may be shared with any and all YCA employees. They will protect your personal information in accordance with the YCA Customer Privacy Policy and internal policy and procedures as well.

How we protect your personal information

YCA safeguards the security of the data you send us with physical, electronic, and operational procedures. The YCA web site uses High Assurance Secure Socket Layer (SSL) encryption on web pages where personal information of a sensitive nature is transmitted. To log into the client portal section of Your Credit Alliance web properties, you will be provided with an SSL connection, and will need an SSL-enabled browser such as Internet Explorer, Firefox, or Opera. SSL helps protect the confidentiality of your personal information as it is transmitted over the Internet.

Collecting other personal information

When you browse the YCA web site, you are able to do so anonymously, although “anonymous usage statistics” are collected. Your browser will automatically tell YCA IT staff basic information such as screen resolution, operating system, and other such details that may be used in aggregate to provide an improved end-user experience in revisions and editions of the site or portions of the site. The YCA web site is capable of and may use “cookie” technology from time to time or for certain “landing pages” or referring URLs. When you first connect to our site, the cookie may identify your browser via a unique, random number. The cookies do not reveal any personal information about you; they help IT staff better track and provide for which parts of our web sites are the most popular, where our visitors are going, where they come from, and how long they spend there. In some of our emails to you, we use a “click-through” URL. When you click one of these URLs, you may pass through our web servers before arriving at the web site that is your destination. We track click-throughs to help us determine your interest in particular topics and measure the effectiveness of our customer communications. YCA safeguards the security of the data you send us with physical, electronic, and operational procedures. We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and action tags (tracking pixels) to measure advertising effectiveness.

Consensual Agreement

By using our site, you consent to our privacy policy.

Future Developments

From time to time, we may use customer information for new, unanticipated uses not previously disclosed in our privacy notice. If our information practices change at some time in the future, we will post the policy changes to our web site to notify you of these changes and provide you with the ability to opt out of these new uses. If you are concerned about how your information is used, you should check back at our web site periodically. We will only use data collected after a policy has changed for the new purposes. If you have comments or questions about our privacy policy, please contact us.