Last Update: 09/12/2012

1. Users
2. Type of Information Collected
3. Cookies
4. Third Parties
5. How Your Information is Used
6. Protecting Your Personal Information
7. Your Choice
8. Disclosures to Third Parties
9. Notification of Changes
10. Disputes

Throughout this section and all sections of the website, OnlyTrust, LLC shall be referred to as "OnlyTrust" or "OnlyTrust, LLC."

This Privacy Policy, as amended from time to time (the “Policy”), governs OnlyTrust’s collection and use of your personal information. By using the Website you consent to the collection, use and disclosure of your personal information in accordance with this Policy. This Policy is governed by the laws of Idaho irrespective of your location.

1. Users
   
   

   This Website is intended for adults who wish to boost their credit profile.

   NOTICE TO CHILDREN UNDER THE AGE OF 18 AND THEIR PARENTS OR GUARDIANS:

   ONLYTRUST DOES NOT KNOWINGLY COLLECT PERSONAL INFORMATION FROM, OR MARKET ONLINE TO, CHILDREN UNDER THE AGE OF 18. IF YOU ARE UNDER THE AGE OF 18, YOU MUST NOT USE THIS WEBSITE. PLEASE DO NOT SEND ONLYTRUST ANY PERSONAL INFORMATION INCLUDING YOUR EMAIL, NAME AND/OR CONTACT INFORMATION. IF YOU WANT TO CONTACT ONLYTRUST, YOU MAY ONLY DO SO THROUGH YOUR PARENT OR LEGAL GUARDIAN.

2. Type of Information Collected
   
   

   When you visit this Website, we may collect certain non-personal information such as your Internet Protocol (“IP”) address, browser type, and operating system. This type of information does not identify you personally. When you register with OnlyTrust, we may also collect the personal information that you submit such as your name, address, email address and country of origin (“Registration Information”). Registration Information may include verification of your identity with a government issued ID. Additionally, we may collect certain information from our contributors for tax purposes.

3. Cookies
   
   

   When you visit our Website, you may search and review certain information without disclosing your identity. We may use cookies to manage a visitor’s session and to enable registered users to utilize the “remember me” function. Cookies may be used irrespective of whether you register with us or not. “Cookies” are small text files transferred by a web server to your hard drive and thereafter stored on your computer. The type of information a cookie collects includes the date and time you visited, your browsing history, your preferences, and your username.

   In some instances, our third party service providers may use cookies on our Website. We cannot control or access cookies used by third party service providers. This Policy covers only cookies used by OnlyTrust, and not any cookies used by third parties.

   You have the ability to either accept or decline the use of cookies on your computer. Typically, you can configure your browser to not to accept cookies, however, declining the use of cookies may limit your access to certain features of the OnlyTrust Website. For example, you may have difficulty logging in or using certain interactive features of our Website, such as our member-only areas and OnlyTrust Forum. You should be able to experience the basic functions on OnlyTrust’s Website, even if you decline the use of cookies.

4. Third Parties
   
   

   OnlyTrust uses third party service providers such as Stripe to process purchases made on our Website. In addition, our Website may occasionally contain links to other sites. If you click on these links, you leave the OnlyTrust Website and we are not responsible for the content or the security of your personal information when using the other site. These sites may have their own privacy policies governing the storage and retention of your personal information. They may collect information such as your name, mailing address, IP address, browser specifications, and credit card number. This Policy does not govern personal information provided to, stored on, or used by third party sites. We recommend that when you enter a third party site, you review the third party’s privacy policy as it relates to safeguarding your personal information.

5. How Your Information is Used
   
   

   We use your personal, demographic and profile data to enhance your experience at our site and to enable us to present content in which we think you may be interested. We use your contact information to send you information about our company and promotional material from our partners. We may also use your personal, demographic and profile data to improve our site, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders placed online.

   OnlyTrust may also use your personal information to:

   1. Verify a user’s identity for security purposes
   2. Create and manage your membership account
   3. Process your transactions
   4. Provide customer services
   5. Display services or offers that may be of interest to you
   6. To communicate with you about your credit report, new products and services
   7. To run our interactive features such as the Blog or Forum
   
   

   OnlyTrust may provide users with SMS messages that may contain marketing, promotional, informational and transactional content. Data obtained from users in connection with this SMS service may include your name, address, cell phone number, your provider's name, and the date, time, and content of your messages. In addition to any fee of which you are notified, your provider's standard messaging rates apply to our confirmation and all subsequent SMS correspondence. All charges are billed by and payable to your mobile service provider. You may remove your information in connection with this SMS service by sending your request via e-mail to mobilestop@onlytrust.com or by sending "STOP" to the SMS text message you have received.

   We may also convert your information into anonymous data in order to help us monitor traffic on our Website. For example, we may also use the personal information disclosed to us to assist you with technical difficulties you may experience while using our Website. We may share your personal information and the demographic information we have collected with our third party service providers.

6. Protecting Your Personal Information
   
   

   As a valued customer, we recognize that protecting your privacy is important to you. For this reason, OnlyTrust is committed to protecting your personal information in several ways. Our servers are only accessible to a select number of authorized personnel. Your Registration Information is protected by a unique customer password and user ID, and your password is encrypted. You should not disclose your password information to anyone and you should always remember to log off if using a shared computer. We also use secure socket layer technology (SSL) for specific types of information, such as your login information. Lastly, when you register with OnlyTrust, we allow you to utilize an “alias” so that your user ID cannot be seen by other users of OnlyTrust. We may retain your personal information for as long as is required to fulfill our business objective.

   Additionally, the personal information collected by OnlyTrust may be stored and processed in a country other than your home country. By providing us with your personal information and using the OnlyTrust Website, you are consenting to any such transfer of information outside of your home country.

   We have taken certain security protections in safeguarding your personal information. However, as with most electronic transactions, no method is 100% safe. While we strive to use a commercially acceptable means to protect your personal information, we cannot guarantee its security. Therefore, OnlyTrust assumes no liability regarding the theft, loss, alteration or misuse of personal or other information, including without limitation such information that we have provided to third parties, or with regards to the failure of a third party to abide by the privacy policy or agreement between OnlyTrust and a third party.

7. Your Choice
   
   

   You may review, change or delete the information you provide to us by going to the “My Profile” section of the Website or by sending us your requested changes in writing to: OnlyTrust LLC, 6575 141st Ave NW, Suite 101, Ramsey, MN 55303. You may opt out of receiving our newsletters when you register with OnlyTrust. By opting out, you will no longer receive certain special offers or promotions. We may continue to send you any legally required notifications and certain notifications, including but not limited to service related notices or notices regarding a change to any of OnlyTrust’s policies (“Required Notices”). For example, we may send you a notice regarding server problems or scheduled Website maintenance. In order to opt-out of receiving Required Notices, you may need to deactivate your account.

8. Disclosures to Third Parties
   
   

   On occasion, OnlyTrust may be required to disclose your personal information due to legal or regulatory requirements. In such instances, we reserve the right to disclose your personal information as required in order to comply with OnlyTrust’s legal obligations, including, but not limited to, complying with court orders, warrants, subpoenas, service of process requirements, or discovery requests.

   We may also disclose data we collect to third parties for the following purposes:

   1. considering you for an account with the third party
   2. sharing of your information with trusted third parties such as credit bureaus and/or other financial services providers
   3. for marketing products and services which we determine, in our sole judgment, that you might find of interest via channels such as postal direct mail, telemarketing and email
9. Notification of Changes
   
   

   We reserve the right to change this Policy from time to time, and at our sole discretion. You should make note of the “last updated date” at the beginning of this Policy. With this information, you should be able to identify if the Policy has been updated recently.

   If substantially all of OnlyTrust’s assets are sold or merged with another company, OnlyTrust will notify you of the transaction. The acquiring company will be given access to your personal information without your consent. If OnlyTrust sells only a part of its business, the acquiring entity will have access to your personal information without your consent and OnlyTrust may send you a notice regarding this sale.

10. Disputes
    
    

    Any disputes regarding your privacy are subject to this Privacy Policy and OnlyTrust’s Terms and Conditions, including but not limited to any provisions related to indemnification, limitations on damages, choice of law and arbitration.

If you have any questions about this Privacy Policy, the practices of this site or your dealings with this website, please contact us by mail at:

OnlyTrust LLC
6575 141st Ave NW
Suite 101
Ramsey, MN 55303
info@onlytrust.com