Privacy Policy

Effective January 1, 2020

TABLE OF CONTENTS

  • 1. INTRODUCTION
  • 2. INFORMATION COLLECTION
  • 3. INFORMATION USE
  • 4. INFORMATION SHARING AND DISCLOSURE
  • 5. INFORMATION PROCESSING AND RETENTION
  • 6. YOUR RIGHTS
  • 7. PRIVACY POLICY CHANGES
  • 1. INTRODUCTION

    Working Assets, Inc. and its subsidiaries and brands, including CREDO Mobile, Inc., CREDO Long Distance, CREDO Action, CREDO Connect, and CREDO Energy (collectively “CREDO,” “we,” “us,” or “our”) are committed to preserving your privacy and safeguarding your sensitive information. The following statements describe our general information-gathering and usage practices.

    2. INFORMATION COLLECTION

    CREDO primarily collects personally identifiable information from and about individuals who use our services, take actions with us, visit our websites or mobile applications, or join our marketing and activism lists. This section describes the categories of personal information CREDO collects and the ways that CREDO collects them.

    CREDO does not target minors as customers or activists, and does not intentionally collect information from people under 13 years of age.

    2.1 Information You Provide to Us

    2.1.1 Account Information

    When you sign up for services or take an action with CREDO, you provide information that we use to open an account, process an order or action, or establish a membership with CREDO. The information you provide varies depending on the service you’ve requested, but may include:

    Contact Information: Your name, email address, zip code, billing and shipping addresses, and phone numbers
    Payment Information: Your bank account or credit card information
    Credit Check Information: Your full name, Social Security Number, and date of birth
    Order Information: A list of the products you purchase from us, the amount and types of telephone services you enroll in, and the type of energy services you enroll in—this may include the date and method by which you joined CREDO and the dates of any purchases and account changes
    Action Information: A list of the CREDO petitions you sign, the CREDO donations groups you vote for, contributions you make through CREDO, and any other actions you volunteer for through CREDO—this may include the date and method by which you joined CREDO and the dates of any actions and account changes

    2.1.2 Additional Information You Choose to Provide

    In the course of using CREDO’s services or taking an action with CREDO, you may choose to provide us with additional personal information, including:

    Advocacy Information: When you take an action with CREDO Action, like signing a petition, responding to a survey, volunteering to make a call, voting on donations groups, or registering for an event or protest, taking this action may provide us information about your political or personal beliefs.
    Contribution Information: When you make a monetary contribution through CREDO, you may provide your Contact Information, plus your employer, occupation, the amount, time, and purpose of the contribution
    Other Information: When you engage in open ended communication with CREDO by filling in a form on our site, responding to a survey from us, entering a contest or sweepstakes, posting on a CREDO community forum, or communicating directly via phone, email, or mail with a CREDO representative, you may voluntarily choose to provide us with personal information that may be collected and stored along with the communications themselves.

    2.2 Information We Collect Automatically

    2.2.1 Information We Collect Automatically When You Use CREDO Telephone Services

    When you are enrolled in one of our telephone services, we receive information from our underlying carriers about your usage of those services, including:

    Phone Records: The phone numbers you call or text, the phone numbers you receive calls or texts from, the timing and duration of your calls and texts, the timing and amounts of your data usage, the city and state or country your phone is located in at the time of a call, and billing information related to your international roaming usage
    Device Information:The models, instrument numbers, serial numbers, and activation statuses of your connected mobile devices and SIM cards
    Port Information: Requests from another carrier to port your number from CREDO to the other carrier and responses from other carriers to requests to port your number from another carrier to CREDO

    When you are enrolled in one of our telephone services, we also generate account and billing data based on the services and plans you’re enrolled in, including:

    Billing Information: A monthly bill with itemized charges for mobile and/or long distance telephone services based on your usage records
    Account Number: A number CREDO assigns to mobile and long distance telephone accounts

    CREDO is committed to minimizing the data it collects and stores about how you use our telephone service. Accordingly, we want you to be aware that:

    • CREDO does not receive, store, or assign precise handset location information, handset IP addresses, or logs of websites visited by your phone in the course of providing telephone service.
    • CREDO does not receive or store the content of customer communications sent using our services except customer communications directed to us for customer service purposes.

    2.2.2 Information We Collect Automatically When You Visit Our Websites

    We use website cookies, pixels, and similar tools to identify return visitors to our websites and automatically collect information about you when you visit any of our websites, including:

    Identifiers and Device Information: Your IP address, device type, operating system, browser type, and internet service provider
    Geo-location: city and country
    Site Use Information: Your referring URL, referring ad/campaign, time and date of any logins, which site pages you visit, and how you interact with them
    Do Not Track Signals: CREDO may receive “do not track” signals from your browser when you visit our websites. However, given the lack of a standard for interpreting those signals, we are not currently set up to respond to them.

    2.2.3 Additional Information We May Collect Automatically

    Interaction Analytics: In addition to the Order Information and Action Information listed in Section 3.1.1, we keep a record of what emails we’ve sent you and when, the IP address of the device you used to open them, the links you’ve clicked in those emails, any CREDO Action issue areas you’ve taken action on and which partner organization, if any, referred you to CREDO.
    Inferences from Other Information: We keep a record of inferences about you or your account from the other information collected in this Section 2, including preferences, characteristics, behaviors, and evaluations

    2.3 Additional Information We Collect About You From Third Parties

    Credit Information: When you sign up for service with CREDO Mobile, we may collect your credit score and other credit information from third party credit agencies.
    List Information: From time to time, we obtain lists of consumer names, addresses, email addresses, and/or phone numbers to market our products and services.
    Credit Card Product Information: If you have one of our branded credit cards, as long as your card active is we receive an annual notice from the issuing bank that includes your name, address, phone number, and the last four digits of your social security number. This file lets us know that you are still a user of our product, but CREDO does not keep or otherwise use the file or the information it includes.

    2.4 Third Party Collection Practices

    Our sites and/or mobile applications may link to merchants and information sites. Each of these sites has its own privacy practices and any information you share with these sites is subject to their policies and practices and is independent of CREDO.

    3. INFORMATION USE

    3.1 Purposes

    This section describes the categories of purposes for which CREDO uses the information we collect about you. Capitalized terms refer to the categories of personal information described in Section 2.

    3.1.1 We Use Your Information to Provide the Services You’ve Requested

    This might include things like completing a transaction or order, creating and managing member accounts, enabling you to use our services, enabling or carrying out the political action you’ve volunteered for, managing our donations program, sending you account-related messages, providing customer service, producing bills, and providing you information about your telephone usage.

    To do this, we may use your Account Information (including Contact Information, Payment Information, Order Information, and Action Information), information we collect automatically (including your Phone Records, Device Information, Port Information, Billing Information, Account Number, Interaction Analytics, Inferences from Other Information, Identifiers and Device Information, and Site Use Information), and information we collect from third parties (including Credit Card Product Information).

    3.1.2 We Use Your Information to Improve, Audit, and Develop Our Products and Services

    This might include things like ensuring the proper functioning of accounts, services, and actions, improving the usability of existing services, developing new products and features, planning political actions, targeting action emails, conducting research and testing, and administrating website and service data analytics that measure the performance of our products, services, and actions.

    To do this, we may use your Account Information (including Contact Information, Payment Information, Order Information, and OrderAction Information), additional information you choose to provide (including Advocacy Information, Contribution Information, and Other Information), and information we collect automatically (including your Phone Records, Device Information, Port Information, Billing Information, Account Number, Interaction Analytics, Inferences from Other Information, Identifiers and Device Information, and Site Use Information).

    3.1.3 We Use Your Information to Protect CREDO’s Services, Member Accounts, and Member Information

    This might include verifying users who access accounts and personal information, ensuring the technical security of your account and personal information, ensuring the security of our business, detecting and preventing fraud, abuse, or other security incidents, and enforcing our Customer Agreement, Terms of Service, and other agreements and policies.

    To do this, we may use your Account Information (including Contact Information, Payment Information, Credit Check Information, Order Information, and Action Information), additional information you choose to provide (Contribution Information, and Other Information), information we collect automatically (including your Phone Records, Device Information, Port Information, Billing Information, Account Number, Interaction Analytics, Inferences from Other Information, Identifiers and Device Information, Geo-Location, and Site Use Information), and information we collect from third parties (including Credit Information and List Information).

    3.1.4 We Use Your Information to Comply With Our Legal Obligations

    This might include things like complying with federal, state, and local laws and regulatory requirements, complying with audits, and resolving disputes.

    To do this, we may use your Account Information (including Contact Information, Payment Information, Credit Check Information, Order Information, and Action Information), additional information you choose to provide (including Advocacy Information, Contribution Information, and Other Information), information we collect automatically (including your Phone Records, Device Information, Port Information, Billing Information, Account Number, Interaction Analytics, Inferences from Other Information, Identifiers and Device Information, Geo-location, and Site Use Information), and information we collect from third parties (including Credit Information, List Information, and Credit Card Product Information).

    3.1.5 We Use Your Information to Customize Our Marketing

    This might include things like providing you information about our products and services, improving the layout and content of our sites, developing special offers and promotions that we believe might interest you, targeting advertisements, and administrating website and service data analytics that measure the performance of our products, services, and actions.

    To do this, we may use your Account Information (including Contact Information, Payment Information, Order Information, and Action Information), information we collect automatically (including your Billing Information, Account Number, Interaction Analytics, Identifiers and Device Information, Inferences from Other Information, Geo-Location, and Site Use Information), and information we collect from third parties (including Credit Information, List Information, and Credit Card Product Information).

    3.1.6 We May Use Your Information for Other Business Purposes

    This might include any other purpose that we disclose to you at the time we collect the information or that you have otherwise consented to.

    3.2 Email Policy

    CREDO uses your e-mail address to communicate with you about your account, the services you’re enrolled in, actions and activism opportunities you may be interested in, your vote on donations distributions, CREDO newsletters and tips, and special marketing offers. You can opt out of receiving non-account-related communications from us by following the opt-out instructions in our e-mails or by visiting https://www.credomobile.com/subscriptions/.

    3.3 Call/SMS Policy

    By signing up for CREDO Mobile Service through our website or by opting in to any of our optional offers and activism opportunities contact lists, you give express permission for us to contact you on your device. Message and data rates may apply if your device is not using CREDO Mobile service. Text “stop” to any promotional or list text to opt out of non-account-related SMS communications from us.

    By entering your phone number on any Credo Action call campaign page on the Sites, you give express permission to call that phone number for the purpose of connecting you with legislators or decision-makers.

    3.4 Cookie Policy

    Cookies are small text files containing information that are stored by your web browser. This technology allows us to remember you when you visit or take actions on our sites. CREDO uses cookies to identify return visitors, allow you to log in to your account, control the serving of ads to you while you are online, and track and analyze how our websites are being used. You can set your browser to not accept cookies, but this may limit your ability to use our websites.

    4. INFORMATION SHARING AND DISCLOSURE

    4.1 Third-Party Sharing

    While CREDO does not sell your information, from time to time we share your personal information with third parties at your direction or with your explicit permission. We also need to share your information with others on a more regular basis in order operate our business and provide services to you. This section describes the categories of third parties CREDO may share your information with in the regular course of business. Capitalized terms refer to the categories of personal information described in Section 2.

    4.1.1 Affiliated Companies

    CREDO is a collection of affiliated companies all owned by one parent company. To operate more efficiently, we share staff, facilities, and systems among those companies. Accordingly, we also share personal information among those companies in order to provide, analyze, improve, and develop our services. This applies to all categories of personal information we collect.

    We share information with a variety of service providers that perform services on our behalf. For example, these service providers may include companies that, among other things, help us provide customer service, produce and deliver customer bills, provide telephone services, provide energy services, run credit checks, develop website interaction analytics, and deliver targeted advertisements. We only provide personal information to these service providers if it’s necessary for them to perform the tasks we’ve contracted with them to do. We require that these service providers secure and protect the information from unauthorized disclosure and limit their use to the contracted purposes.

    Depending on the service provider, this sharing may include your Account Information (including Contact Information, Payment Information, Credit Check Information, and Order Information, and Action Information), additional information you choose to provide (including Advocacy Information, Contribution Information, and Other Information), information we collect automatically (including your Phone Records, Device Information, Port Information, Billing Information, Account Number, Interaction Analytics, Inferences from Other Information, Identifiers and Device Information, Geo-location and Site Use Information), and information we collect from third parties (including Credit Information and List Information).

    4.1.3 Government Regulators and Law Enforcement

    CREDO may disclose your information to a government regulator or other authority to comply with our legal obligations in case of a regulatory audit or investigation.

    We will also release personal information pursuant to a valid U.S. subpoena, summons, or court order. We may release name and address information to a governmental entity without a subpoena or court order in the case of a good faith belief that an emergency involving danger of death or serious physical injury to any person requires disclosure without delay. We work to maintain a balance between complying with our legal obligations and protecting the privacy of our members’ information against improper requests. So, unless specifically prohibited by court order or statute, we will notify you in writing of a request prior to releasing information in response to a subpoena, summons, or court order, or after the fact, in the case of an emergency request. For more information, please see our transparency report.

    4.2 Company Sale or Change of Corporate Control

    If CREDO enters into a merger, acquisition, bankruptcy, receivership, sale of all or a portion of its assets, your customer information will also be transferred as one of the business assets of CREDO.

    4.3 Aggregated or Anonymized Information

    CREDO and/or its third party providers may provide aggregated or anonymized information such as the number of users who visit a particular linked site to other parties.

    5. INFORMATION PROCESSING AND RETENTION

    5.1 Telephone Account and Usage Record Retention

    CREDO is committed to minimizing the data it collects and stores about how you use our telephone services. CREDO retains customer name, address, phone number, email address, and product type information for historical purposes. CREDO stores individually-identifiable customer telephone billing data for five years unless longer storage is needed for tax, business, accounting, or legal purposes.

    5.2 Information Transmission

    To protect the security of your personal information, we use Transport Layer Security (TSL), which ensures all information is encrypted while being transmitted across the Internet between CREDO’s system and your web browser.

    Please note that, whenever CREDO handles information that you enter on its sites or on its apps, regardless of where this occurs, we take steps to ensure that your information is treated securely and in accordance with the relevant Terms of Service and this Privacy Policy. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, CREDO cannot ensure or warrant the security of any information you transmit to us or from our online products or services or on our apps, and you do so at your own risk. Once we receive your transmission, we make our best effort to ensure its security on our systems.

    5.3 Information Security

    Our sites and apps have security measures in place to protect the loss, misuse and alteration of the information under our control. CREDO follows all state and federal guidelines protecting customer information. Additional protections apply for certain information CREDO collects and maintains about the telecommunications services you obtain from CREDO and how you use those services. This information is categorized by the federal government as Customer Proprietary Network Information or CPNI, and its use and sharing is governed by specific laws.

    6. YOUR RIGHTS

    6.1 California Privacy Rights

    If you are a California resident, effective January 1, 2020, the California Consumer Privacy Act (“CCPA”) allows you to request that CREDO disclose to you the categories and/or specific pieces of personal information CREDO has collected about you in the last twelve months, as well as the categories of sources for that information, the business or commercial purposes for collecting that information, and the categories of third parties with which the information was shared. Under certain circumstances, California residents may also request deletion of personal information from our records. These are rights afforded to you by California law, and CREDO will not charge you different prices or discriminate against you if you exercise those rights. Please be aware that, pursuant to various CCPA exceptions and in order to protect your information and our ability to provide services, there are certain specific pieces of personal information we will not provide to you and certain categories of information we will not delete.

    If you are a CREDO Mobile account holder in California, you may log in to your Member Services account here to make a request. For all other California residents, you may visit this page to submit a request. You will be asked to provide your name and email address. We may also require that you provide additional information and submit a signed affidavit for verification purposes.

    We do not sell your personal information. We do, however, share personal information with third parties for business purposes as described in Section 5. This includes advertising and marketing on our sites and elsewhere based on users’ online activities over time and across different sites, services, and devices.

    6.2 Nevada Privacy Rights

    We do not sell your personal information. To contact us regarding NRS 603(a) – Nevada’s online privacy law, Nevada members may email us at [email protected]

    7. PRIVACY POLICY CHANGES

    This policy may be changed from time to time. Please refer to the effective date of the policy to determine whether changes have been introduced. To inquire about the content of such changes, or if you have any questions about this Privacy Policy, the practices of CREDO sites or apps, or your dealings with our web sites or apps, please contact:

    Customer Service Team
    101 Market Street, Suite 700
    San Francisco, California 94105

    Customers: 800-411-0848
    Non-customers: 800-555-7774
    [email protected]