Credit Building Cards for Bad Credit

Effective Date: JANUARY 2025

At JanesPennyPinching.com ("we," "us," or "our"), we value your privacy and are committed to protecting the personal information you provide while using our website, JanesPennyPinching.com (the "Site"). This Privacy Policy explains how we collect, use, share, and protect your personal information, and describes your rights and choices regarding your information.

By using our Site and submitting your information, you agree to this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not use our Site.

1. Information We Collect

We may collect the following types of information from you:

• Personal Information: Information you provide directly when filling out forms, including but not limited to:
  • Name
  • Email address
  • Phone number
  • Physical address
  • Information related to the service you are seeking (e.g., home services, repairs, etc.)
• Automatically Collected Information: Information collected automatically through cookies, web beacons, and other tracking technologies, including:
  • IP address
  • Browser type and version
  • Device type
  • Pages visited and time spent on the Site
  • Referring URLs
• Credit Information (Soft Pull):
  For every lead submission, we conduct a soft credit pull. A soft credit pull is a credit inquiry that does not impact your credit score. This inquiry allows us and our Our Marketing Partners to evaluate your creditworthiness to provide relevant offers and services. No hard inquiry will be made, and your credit score will remain unaffected.
• Mobile Number Verification:
  We verify your mobile number using an SMS verification system, such as Twilio, to confirm your identity and prevent fraud. By providing your phone number, you consent to receive SMS messages for verification purposes. You are responsible for any fees related to SMS messages, including standard message and data rates charged by your mobile service provider.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide and improve our services
• To sell the information you provide as leads to third-party service providers ("Marketing Partners")
• To perform a soft credit pull on every lead submitted, allowing Marketing Partners to assess your eligibility for certain services without impacting your credit score
• To verify your mobile number via SMS to ensure the integrity of your lead submission
• To communicate with you regarding inquiries or offers related to our services
• To comply with legal obligations and regulations
• To enforce our Terms and Conditions
• For marketing and promotional purposes, including sending you promotional emails and communications, subject to your opt-out rights

3. How We Share Your Information

We may share your personal information with the following parties:

• Third-Party Marketing Partners: We sell your information as leads to Marketing Partners, who may contact you to offer services that you requested or related services.
• Credit Reporting Agencies: A soft credit pull will be conducted for every lead submission to assist Marketing Partners in assessing your creditworthiness. This soft inquiry will not affect your credit score.
• Service Providers: We may share information with third-party vendors and service providers (e.g., Twilio) who assist in operating our Site, performing SMS verification, and providing services to you.
• Legal Obligations: We may disclose your information when required by law, such as to comply with a subpoena, government inquiry, or other legal process.
• Business Transfers: In the event of a merger, acquisition, or sale of our assets, your information may be transferred to the successor organization.

4. Cookies and Tracking Technologies

Our Site uses cookies and similar tracking technologies to enhance your browsing experience, improve our services, and understand how you use our Site.

• Cookies: Small data files stored on your device that help us remember your preferences and actions on our Site.
• Web Beacons: Small graphic images embedded in emails or web pages that allow us to track whether you have opened or interacted with specific content.

You can adjust your browser settings to refuse cookies, but doing so may affect the functionality of our Site.

5. Your Rights and Choices

California Consumer Privacy Act (CCPA) Rights:

If you are a California resident, you have the following rights under the CCPA:

• Right to Know: Request information about the personal data we have collected and how we have used and shared it.
• Right to Delete: Request that we delete the personal data we have collected from you, subject to certain exceptions.
• Right to Opt-Out: Opt-out of the sale of your personal information to third parties. To opt-out, please visit our Do Not Sell My Personal Information page.

To exercise any of these rights, you may contact us here or submit a request through our CCPA Rights Page.

Opt-Out of Marketing Communications:

You can opt-out of receiving marketing communications from us by following the unsubscribe instructions in the email or contacting us here.

6. How We Protect Your Information

We use industry-standard security measures to protect the personal information we collect. However, no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.

7. Third-Party Links and Websites

Our Site may contain links to third-party websites. This Privacy Policy applies only to information collected on our Site. We are not responsible for the privacy practices or content of third-party sites, and we encourage you to read their privacy policies before providing any personal information.

8. Children’s Privacy

Our services are not directed to children under the age of 13, and we do not knowingly collect or sell personal information from children under 13. If we become aware that we have collected personal information from a child under the age of 13, we will take steps to delete such information.

9. Do Not Track Signals

Some browsers may transmit "Do Not Track" (DNT) signals. We do not currently respond to DNT signals, as there is no industry consensus on how to handle them. However, you may use your browser settings to manage tracking preferences.

10. Telephone Consumer Protection Act (TCPA) Compliance

By providing your phone number on our Site, you consent to receive communications from us and our Marketing Partners, including marketing calls and text messages, which may be made using automated systems or prerecorded messages. You can revoke your consent by opting out of future communications as provided in each message or by contacting us here. You are responsible for any messaging fees or data charges that may apply.

11. CAN-SPAM Act and California Anti-Spam Law Compliance

We comply with the CAN-SPAM Act and California Anti-Spam Law in our email communications. If you receive an email from us that you no longer wish to receive, you may unsubscribe by following the instructions included in the email.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will post the updated policy on this page and update the "Effective Date" above. Your continued use of the Site after any changes constitutes your acceptance of the updated Privacy Policy.

13. Contact Us

If you have any questions about this Privacy Policy, the information we collect, or your rights, please contact us at:

• Email: Jane@JanesPennyPinching.com
• Phone: +1 (888) 435-0550
• Mailing Address: 421 Broadway, Unit #520, San Diego, CA 92101

 

Introduction

At JanesPennyPinching.com transparency and trust are fundamental to our business. To provide you with a clear understanding of our relationships with advertisers and third-party service providers, we have prepared this Advertising Disclosures page. This page explains how advertising works on our Site and in communications with you, ensuring full compliance with the Federal Trade Commission (FTC) guidelines.

1. Sponsored Content and Advertisements

JanesPennyPinching.com may feature sponsored content, advertisements, and links on our website, in emails, and through other communication methods. Sponsored content or advertisements may be in the form of text, images, banners, or hyperlinks that promote third-party services or products. In some cases, we may be compensated by third parties in exchange for placing their ads or sponsored content on our Site.

When applicable, we will clearly label or disclose sponsored content or paid advertisements using terms such as "Sponsored," "Ad," or "Advertisement" to differentiate it from our editorial content.

2. Affiliate Links

Some links on our Site may be affiliate links. This means that if you click on an affiliate link and make a purchase or take certain actions, we may earn a commission or referral fee. The price you pay will not change because of the affiliate relationship.

Affiliate links are used to support the operation of our business and are disclosed in accordance with FTC guidelines. We strive to provide you with valuable content while being transparent about our partnerships with affiliate programs.

3. Lead Sales and Third-Party Advertisers

JanesPennyPinching.com sells the information you provide through forms on our Site as leads to third-party service providers ("Marketing Partners"). These Marketing Partners may contact you to offer services related to your inquiry or other related services.

In some cases, we are compensated when a third-party advertiser purchases your information as a lead or when you engage with their services. While we aim to connect you with reputable providers, JanesPennyPinching.com does not endorse any specific third-party provider and is not responsible for the quality, reliability, or accuracy of the services provided by those Marketing Partners.

4. No Endorsement

The inclusion of third-party advertisements, affiliate links, or sponsored content on our Site does not constitute an endorsement or recommendation by JanesPennyPinching.com. We do not guarantee the accuracy or reliability of the information provided by advertisers or affiliate partners. It is your responsibility to evaluate the services and offers before making a purchase or engaging with third-party service providers.

5. Native Advertising

In some cases, advertisements on our Site may be integrated into our content in a manner that resembles editorial content. This type of advertising is known as native advertising. When native advertising is used, we will clearly label the content as sponsored to comply with FTC guidelines and to ensure transparency for our users.

6. Compensation Disclosure

As required by law, we disclose that we may receive monetary compensation or other benefits from advertisers, affiliates, or third-party service providers in connection with sponsored content, affiliate links, or lead generation activities. The compensation received may influence the placement or prominence of the content on our Site, but it does not influence our commitment to providing valuable, relevant content for our users.

7. Changes to This Policy

We may update this Advertising Disclosures page from time to time to reflect changes in our advertising practices or legal requirements. When we do, we will post the updated policy on this page and revise the "Effective Date" at the top of the page.

8. Contact Us

If you have any questions about our advertising practices or this Advertising Disclosures page, please contact us at:

• Email: Jane@JanesPennyPinching.com
• Phone: +1 (888) 435-0550
• Mailing Address: 421 Broadway, Unit #520, San Diego, CA 92101

 

Effective Date: JANUARY 2025

Welcome to JanesPennyPinching.com. These Terms and Conditions ("Terms") govern your use of our website located at JanesPennyPinching.com (the "Site") and the services we offer, including the collection of information via forms and the sale of leads to third-party service providers. By accessing or using our Site and services, you agree to be bound by these Terms.

If you do not agree with these Terms, please discontinue the use of our Site and services.

1. Services

JanesPennyPinching.com. collects information from users through forms on the Site. By submitting information through our forms, you acknowledge that the information you provide may be sold to third-party service providers ("Buyers") for marketing, sales, and business purposes. We do not guarantee that any Buyer will contact you or that you will receive services from them.

2. Eligibility

By using this Site, you represent that you are at least 18 years old and are legally capable of entering into a binding contract.

3. User Information and Consent

By submitting your information through forms on our Site, you agree to provide accurate, current, and complete information. You consent to our collection, use, and sale of your information to third-party service providers in accordance with our Privacy Policy.

Consent to Contact: By submitting your contact details, you agree that JanesPennyPinching.com. and third-party Marketing Partners may contact you via phone, text, email, or other communication methods. Such communications may be made using automated systems, prerecorded messages, or other marketing technologies, subject to the Telephone Consumer Protection Act (TCPA) and relevant anti-spam laws.

You have the right to opt-out of receiving marketing communications by following the unsubscribe or opt-out instructions provided in such communications, as required by the California Anti-Spam Law, CAN-SPAM Act, and other applicable laws.

4. Lead Sales and Buyer Responsibility

The information you provide on our Site may be sold to our Marketing Partners for marketing, sales, or other purposes. Once your information is shared with our Marketing Partners, they are responsible for how they use your information, which will be governed by their own terms and privacy policies.

JanesPennyPinching.com does not control or supervise third-party Buyers. We are not responsible for any actions taken by third-party Buyers, including but not limited to marketing efforts, services offered, or the quality of services provided. You are encouraged to review each Marketing Partner’s terms and policies before engaging with them.

5. User Responsibility

You are responsible for providing accurate and complete information when using our services. If you provide false, inaccurate, or incomplete information, you may be liable for damages resulting from such misinformation.

You agree that you will use the Site and services only for lawful purposes and that you will not engage in any activities that violate any federal, state, or local laws or regulations, including but not limited to anti-spam laws and privacy regulations.

6. Compliance with Federal and California Laws

California Consumer Privacy Act (CCPA):

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA):

• Right to Access: Request information about what personal data we have collected and how it is being used.
• Right to Deletion: Request that we delete any personal data we have collected from you.
• Right to Opt-Out of Sale: Request that your personal data not be sold to third parties.

To exercise any of these rights, please visit our CCPA Rights Page or contact us at:

• Email: Jane@JanesPennyPinching.com
• Phone: +1 (888) 435-0550
• Mailing Address: 421 Broadway, Unit #520, San Diego, CA 92101

Telephone Consumer Protection Act (TCPA):

By providing your phone number, you agree to receive communications, including marketing calls and text messages, which may be made using automated systems or prerecorded messages. You can opt out of receiving such communications by following the instructions provided by the caller.

CAN-SPAM Act & California Anti-Spam Law:

We comply with the CAN-SPAM Act and California Anti-Spam Law to prevent unwanted email communications. You can opt-out of receiving commercial emails from us or our Buyers at any time by following the unsubscribe instructions provided in each email.

7. Review and Feedback

Our platform may allow users to post reviews or feedback on third-party service providers. By submitting reviews, you agree to provide honest, lawful, and non-defamatory content.

We reserve the right to moderate, remove, or edit reviews that violate these Terms, contain inappropriate content, or are otherwise fraudulent. We do not guarantee the accuracy or authenticity of reviews posted by other users.

8. No Guarantee

JanesPennyPinching.com does not guarantee that:

• You will be contacted by any third-party service provider after submitting your information.
• The services provided by our Marketing Partners will meet your expectations or requirements.
• Any transaction or agreement you enter with our Marketing Partners will be successful or satisfactory.

9. Refund Policy

JanesPennyPinching.com does not offer refunds for the information collected or sold as leads. All lead sales are final, and no refunds will be issued under any circumstances.

10. Dispute Resolution

In the event of a dispute arising between you and one of our Marketing Partners, you agree to resolve the dispute directly with the Marketing Partner. JanesPennyPinching.com is not responsible for disputes that arise from services provided by our Marketing Partners.

If you have a dispute related to the use of our services, please contact us at Jane@JanesPennyPinching.com. If the dispute cannot be resolved, you agree to submit the matter to arbitration as governed by the laws of the State of California.

11. Limitation of Liability

To the fullest extent permitted by law, JanesPennyPinching.com shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business, arising out of or related to your use of our Site or services.

12. Indemnification

You agree to indemnify, defend, and hold harmless JanesPennyPinching.com, its affiliates, directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including attorneys' fees) arising out of your use of the Site, submission of inaccurate information, or violation of these Terms.

13. Modification of Terms

We reserve the right to update or modify these Terms at any time. Changes will be effective upon posting to the Site. Your continued use of the Site following any changes constitutes your acceptance of the updated Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California and the federal laws of the United States. Any disputes arising from these Terms shall be resolved in the courts located in [Orange County, California].

15. Contact Information

If you have any questions about these Terms, please contact us at:

• Email: Jane@JanesPennyPinching.com
• Phone: +1 (888) 435-0550
• Mailing Address: 421 Broadway, Unit #520, San Diego, CA 92101

By using our Site, you agree to these Terms. Please review them carefully.

 

Do Not Sell My Personal Information – CCPA

California Consumer Privacy Act (CCPA) Privacy Rights

This section applies to California residents and outlines your rights under the California Consumer Privacy Act (CCPA).

Your Rights Under CCPA

As a California resident, you have the right to:

• Right to Know: You can request information about the categories of personal information we collect, use, disclose, and sell. You also have the right to request specific pieces of personal information we have collected about you.
• Right to Delete: You may request that we delete any personal information we have collected from you, subject to certain exceptions allowed under the CCPA.
• Right to Opt-Out of Sale: You have the right to opt-out of the sale of your personal information. We do not sell your personal information to third parties. However, if this changes in the future, we will update this privacy policy accordingly and provide you with the option to opt-out.
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights. This means we will not deny you goods or services, charge you different prices or rates, or provide a different level of quality based on your CCPA rights.

Categories of Information We Collect

We collect the following categories of personal information:

• Identifiers such as name, email address, billing and shipping address, phone number, etc.
• Commercial information, including purchase history.
• Internet or other electronic network activity information, such as browsing history and interactions with our website.
• Payment information necessary for processing your orders.

How to Submit a Request

If you are a California resident and wish to exercise any of your rights under the CCPA, please contact us at:

• Email: Jane@JanesPennyPinching.com
• Phone: +1 (888) 435-0550
• Mailing Address: 421 Broadway, Unit #520, San Diego, CA 92101


   

We will verify your identity and process your request in accordance with CCPA guidelines. Please note that you may submit a request through an authorized agent, but the agent must provide proof of authorization.

Do Not Sell My Personal Information

As of January 2022, we do not sell your personal information. If this policy changes, you will be provided with the option to opt-out of the sale of your information by clicking a "Do Not Sell My Personal Information" link at the bottom of our website.

Updates to This Policy

We may update this CCPA Privacy Policy as required by law or changes in our business practices. When we update this policy, we will notify you by updating the "Last Updated" date at the top of this policy.

 

Consent to Submit Information and Opt-In Agreement​

By submitting your information through this form, you acknowledge and agree to the following:

1. Use of Information: You consent to ChooseYourPath.online collecting, using, and sharing your personal information (including, but not limited to, your name, contact details, and any other information submitted) for the purposes of providing the services you requested, including marketing, business inquiries, and connecting you with third-party service providers ("MARKETING PARTNERS").
2. Sale of Information: You understand and agree that ChooseYourPath.online may sell the personal information you provide as a lead to our Marketing Partners, who may contact you directly to offer services related to your request or other related services.
3. Soft Credit Pull: You consent to ChooseYourPath.online conducting a soft credit pull as part of the lead submission process. This will not impact your credit score but is used to assess your creditworthiness for certain services provided by our Marketing Partners.
4. SMS and Phone Communications: You agree to receive communications from ChooseYourPath.online and its third-party Buyers, including automated calls and text messages, regarding your inquiry or other related offers. Message and data rates may apply. You can opt-out of these communications at any time by following the instructions provided in each message or contacting us directly.
5. Email Communications: You also consent to receiving marketing emails from ChooseYourPath.online and its Marketing Partners. You may unsubscribe from these emails at any time by using the "unsubscribe" link provided in the email.
6. Responsibility for SMS Charges: You acknowledge that you are responsible for any SMS messaging fees and data charges that may apply as a result of receiving communications from ChooseYourPath.online or our Marketing Partners.
7. Privacy Policy and Terms: By submitting this form, you confirm that you have read and understood ChooseYourPath.online’s Privacy Policy and Terms and Conditions, and you agree to be bound by them.