Privacy Security Statement
Legal Notices
Credit Adjustments, Inc. (CAI) is a privately owned corporation. We provide exceptional collection services in sectors to include higher education, healthcare, government, utility, and retail. CAI authorizes users of this website to copy materials posted on this website strictly for their own personal, non-commercial use. Any and all other uses of the materials posted on this website are prohibited. The authorization granted herein does not extend to the design, format, or layout of this website, which may be further protected under applicable trade dress, trademark, or copyright laws. All copyright, patent, trademark, and other intellectual property-related notices must remain affixed to any materials downloaded from this website. Failure to maintain such notices voids the authorization granted above.
In granting this authorization, CAI grants no other right, title, ownership, license, or other property interest in the materials and subject matter posted on this website, and in any intellectual property rights protecting such materials and subject matter.
The names of other products and companies mentioned herein may be trademarks and/or service marks held by their respective owners.
Forward-Looking Statements
Materials prepared by CAI and posted on this website that are not historical facts are forward-looking statements. As such, these forward-looking statements are subject to various risks and uncertainty factors that could cause actual results to differ materially from expectations. Users of this website are cautioned to consider any and all forward-looking statements posted on this site in light of these risks and uncertainty factors.
No Duty to Update
Materials posted on this website are current only as of the date that such materials are posted. With the passage of time, these materials may become incomplete, obsolete, or outdated. CAI has no obligation and makes no commitment to update these materials.
Privacy
CAI is committed to protecting the personal information that you provide to us via this website. Please read this Privacy Policy carefully as it explains what information CAI collects about you and how we use your information collected via this website.
Use of Personal Information
In connection with the operation of the CAI Site we may ask you to provide us with information that personally identifies you or allows us to contact you ("Personal Information") when, among other things, you register to download materials, fill out a survey, or make a request for information. We will use the Personal Information that you provide us in these circumstances to operate the CAI Site, to satisfy CAI's legitimate business interests, such as customer analysis and internal marketing study and analysis, and to provide information that you request from the CAI Site ("Primary Use"). Unless you instruct us not to do so, CAI may also use the Personal Information that you provide us to contact you regarding additional or new services and features offered by CAI, special offers by CAI, or important information regarding CAI ("CAI Secondary Use").
Choice
You may stop delivery of informational or promotional mail from us by following the instructions included in the informational or promotional mail itself. Also, we will take reasonable steps to give you the opportunity to correct inaccuracies in the Personal Information we retain concerning you and delete Personal Information concerning you upon your request.
Security
The Personal Information that we collect from you is stored in operating environments that employ reasonable security measures and that are not available to the general public. CAI is not responsible for unauthorized access to such information by hackers or others that obtain access through illegal measures, in the absence of negligence on the part of CAI. Further, the other sites that you may access through the CAI Site may have different security practices and you should familiarize yourself with those practices.
Complaints
If at any time you believe that we have acted contrary to this Privacy Policy, please notify us by phone or using one of the contact forms on this website and we will take steps to investigate and will use reasonable measures to remedy the problem.
Disclosure for Legal Purposes
We may disclose Personal Information if required to do so by law or in the good-faith belief that such action is necessary: (a) to conform to the edicts of the law or comply with legal process served on us or our affiliates; (b) to protect and defend our rights or property or those of our users; (c) to protect the personal safety of our users or the public; or (d) in connection with a merger, consolidation or sale of substantial assets of CAI. As we continue to develop our business, we might buy or sell assets related to our business. In such transactions Personal Information generally is one of the transferred business assets. Also, in the event that CAI or substantially all of its assets are acquired, Personal Information will be one of the transferred assets.
Anonymous Information
Please understand that, in addition to collecting Personal Information, CAI will also gather information that does not personally identify you regarding your use of the CAI Site ("Anonymous Information"). The Anonymous Information that we collect regarding your use of the CAI Site may be used by us to measure the effectiveness of marketing efforts on the CAI Site, for improving the services we offer to you, or to improve the CAI Site. Generally, you will not be aware when such Anonymous Information is being collected about you - it may be collected in various ways, such as through traffic data or direct surveys of our customers and may entail the use of, among other things, cookies, IP addresses, or other numeric codes used to identify the computer or other device used to access our site.
Cookies
We use cookies to provide you with better service. Cookies are pieces of information that a Website transfers to your computer's hard disk for recordkeeping purposes. Cookies can make the Web more useful by storing information about your preferences for a particular site. The use of cookies is an industry standard, and many major Websites use them to provide useful features for their customers. Cookies in and of themselves do not personally identify users, although they do identify a user's computer. Most browsers are initially set to accept cookies. If you prefer, you can set your browser to refuse cookies. However, you may not be able to take full advantage of the functionality of the CAI Site or services if you do so.
Venturing off the CAI Site
The CAI Site may contain hyperlinks that can take you to Websites run by other third parties ("Third-Party Sites"). Any hypertext or other links to third party Websites from the CAI Site are provided solely as a convenience to you. If you use these links, you will leave the CAI Site. CAI has not reviewed all of these third party sites and does not control and is not responsible for any of these sites or their content or practices. Thus, CAI does not endorse or make any representations about them, or any information, software, or other products or materials found there, or any results that may be obtained from using them. If you decide to access any of the third party sites linked to the CAI Site, you do this entirely at your own risk. Remember, this Privacy Policy only applies to the CAI Site. When you are no longer on the CAI Site, you may encounter different privacy and security practices and you should familiarize yourself with those practices each time you visit a new site.
Modifications
CAI reserves the right to modify the Privacy Policy at any time. Please review the Privacy Policy each time you use the Website, as your continued use of the CAI Site signifies your assent to such modification.
Contact Us
If at any time you believe that CAI has not followed the above policy, or if you would like your information deleted from our system, please contact us by phone or via the form on this website.