Effective Date: 8/1/2016
This web site and the various content, features and services offered on this web site (collectively, the
"Site") is owned and/or controlled by Everyday Finance Help. d/b/a Everyday Finance Help ("Everyday Finance Help" or "we"). The
Site provides access to Everyday Finance Help's online service that enables you to get matched with participating
providers of products or services in which you are interested, and then receive offers for and other information
about those products and services from those providers (the "Service"). Such providers of goods and services that
are participating in the Service may be referred to as "Providers".
Everyday Finance Help recognizes the
Information (as defined below) and other information we may collect from you and how we may use and share that
information that we collect on the Site and does not apply to information that we may collect by other means.
the Site or the Service.
Nature of Everyday Finance Help's Service
Please keep in mind that the goal of the Service is to create a marketplace where you can be quickly and easily
matched with Providers of the goods and services in which you are interested and from whom you may receive offers
for and other information about those goods and services. The Service will save you the time involved in having to
find service providers that match your interests on your own. In order to do this, we will need to collect certain
information from or about you and share that information with Providers. Providers may require additional
information from or about you as well. Depending on the type of products or services in which you are interested,
this information may include certain financial information. Thus, while we respect your privacy, the very nature of
the Service involves our collection of personal information, disclosure of that information to third parties and
communications to you from us and/or third parties.
Your California Privacy Rights
The following only applies to California residents who have an established business relationship
with Everyday Finance Help.
If we collect your name or other Personal Information from you (whether online or offline), and if you have given us
permission to share your Personal Information by clicking on the appropriate box or button on the Site, we may
occasionally make that Personal Information available to our parent company or other affiliated entities or to third
party businesses for their direct marketing purposes so that they can let you know about products or services that
may be of interest to you. If you later decide that you do not want us to share your Personal Information with these
entities for their direct marketing purposes, you may opt out of such sharing in the future by contacting
support@MyTopCreditCards.com . Your opt-out request will be processed within thirty (30) days of the date on which we
receive it. For more information on how your Personal Information is collected, used and shared, please read the
Information We May Collect
Personal Information means any information that may be used to idenffftify an individual, including, but not limited
to, a first and last name, a home or other physical address, a phone number or an e-mail address. In order to use
the Service, and thus request that Providers contact you with offers for or information about the products or
services that you indicate, you will need to provide Everyday Finance Help with Personal Information such as your name,
e-mail address, phone number and postal code.
The Site may include information, services or other features in addition to the Service, such as the ability to
participate in special offers, sweepstakes or other promotions, create an account, complete optional surveys (which
we may make available to you on the Site or by e-mail) or send questions or comments to us via e-mail. We may ask
you to provide certain Personal Information to access such features.
Depending on the type of products or services in which you are interested, we may collect from you certain
demographic and financial information, information about your interests and preferences and/or other information
about you (collectively, "Additional Information"). For example, we may collect information such as your age or
dateof birth, gender, zip code, household income, For the Service, this Additional Information will allow you to be
better matched with Providers and may present you with more or better competing and personalized offers. If you
choose to provide us with any non-Personal Information in an optional survey, we will treat that information as
Additional Information. When we use Additional Information in combination with any Personal Information, then such
We may sometimes receive information about you from our service providers or other business partners, outside web
sites or other third parties. For example, as part of our standard process of verifying that the information you
provide to us is accurate and that your request for offers from Providers is legitimate, we may receive additional
information about you from a third-party data compilation agency. We may supplement or compare information that you
provide to us on the Site with such information from third parties. Our use of such information from third parties
in combination with information that we collect from you on the Site will comply with the terms of this Privacy
How We May Use Your Information
Once you submit the initial Personal Information and any other information that we require for use of the Service,
we may retain and use that information for several purposes related to the Service, including:
1. We may use such information in order to verify that such information is accurate and that your request for offers
from Providers is legitimate.
2. We may use the e-mail address that you provide to send a transactional e-mail to you, re-confirming for you those
matching Providers who may be contacting you with offers, information or other services (by phone, e-mail or other
communication). We may also use the e-mail address that you provide to send a follow-up customer experience survey
to ensure the Service meets your expectations and that Providers respond to you in the manner in which you
3. We may e-mail or call you: (i) to clarify any questions; (ii) to obtain additional information relating to your
request and the products or services for which you requested to receive offers from Providers; and/or (iii) to
advise you of additional products or services for which you may be interested in receiving offers. Please note that
the number or relevance of offers that you receive from Providers may be affected if you do not consent to our
contacting you to obtain such additional information. Any information that we collect from you by such means will be
treated as though we had collected it on the Site.
4. If you consent (by checking the appropriate box when filling out a form or subscribing at the Site) to receiving
communications from us by e-mail or regular mail, such as updates, special offers or other information related to
the Site or the Service or special offers from our promotional partners, we may send you such communications
periodically. If you subsequently wish to opt out of receiving e-mails from us at any time, simply follow the
instructions for doing so included in the e-mails. We reserve the right to send you certain communications relating
to the Site or Service, such as service announcements or administrative or transactional messages, without offering
you the opportunity to opt-in to or opt-out of receiving them.
In order to submit your initial information to Everyday Finance Help and use the Service, you will need to consent (by
checking a box on the information form) to being contacted by Everyday Finance Help and by those matching Providers who
Please note that by providing this consent, you may be contacted by telephone by Everyday Finance Help and such
Providers notwithstanding any previous request you may have made to be placed on any national, state or
company-specific do-not-call lists.
We may use your Personal Information in order to fulfill or respond to any additional services or information that
you may request, such as creating an account for you, responding to your questions or entering you into a
sweepstakes. We may also use Personal Information to ensure compliance with our policies and applicable law.
With Whom We May Share Your Information
Once you have confirmed that you wish to receive offers from Providers who provide the type of products or services
you have identified in your request, eligible Providers will then compete for the right to submit offers to you. We
will share the Personal Information and other information that we have collected from you with some or all of these
competing Providers. The number of Providers with whom you will be matched (that is, the number with whom we will
share your information) will be determined by the Service and disclosed to you on the Site where you will be
submitting your Personal Information. However, the number of Providers with whom you will be matched will be at
least two whenever possible.
After these matched Providers receive your information from us, they may contact you directly via phone, e-mail or
other communication to obtain additional information related to your request, to submit their offers related to your
request and/or to perform any customary follow-up services. They may also use such information to obtain any
additional information about you from third parties that they deem necessary in determining the terms of their offer
or whether or not to make an offer. We will endeavor to ensure that such Providers do not use the Personal
Information about you that they obtain from us for any other purposes. However, we cannot make any guarantees
regarding Providers' use of such information and cannot be held responsible if they do use such information for such
other purposes. In addition, any Provider whose offer you accept or with whom you otherwise enter into a transaction
shall be free to keep, use and share your information that such Provider obtains from us as though such Provider had
collected such information directly from you. We have no control over, or responsibility for, the use of any
information that you may provide directly to a Provider, or any information that a Provider obtains from third-party
be subject to the privacy policies of such Provider, and we encourage you to review the privacy policies of
Providers before providing any information to them.
In certain circumstances, a Provider with whom we share your information may actually be a broker rather than a
direct provider of the products or services that you would like to receive. In such a case, we will grant the broker
permission to share the information about you that we provide to the broker with one direct provider of such
products or services. Such direct provider will then be considered the actual Provider for purposes of this Privacy
Policy and may use your information and contact you as set forth herein. We will endeavor to ensure that the broker
will not use your information for any other purposes, and we will not grant the broker permission to contact you
directly. However, we cannot make any guarantees regarding a broker's use of such information and cannot be held
responsible if the broker does use such information for such other purposes.
You may come to the Site from an online banner ad, link or similar source located on a third-party web site. The
owner or operator of that web site will not have access to the Personal Information that you submit
information with such party).
We may sometimes use other businesses to perform certain services for us, such as providing full-service management
of Provider accounts, managing our online advertising campaigns, performing data verification and other data
processing, facilitating transactional e-mail distribution, maintaining the Site and our mailing lists, sending
postal mail (if necessary) and providing marketing assistance and data analysis. We may provide Personal Information
to those businesses when that information is necessary for them to complete a requested transaction or otherwise
perform their duties. Third party service providers are contractually obligated to protect Personal Information
on Everyday Finance Help's behalf.
In addition, for non-California residents, if you have given us permission to share your Personal Information by
clicking on the appropriate box or button on the Site, we may occasionally make that Personal Information available
to our parent company or other affiliated entities or to third party businesses for their direct marketing purposes,
so that they can let you know about products or services that may be of interest to you. If you later decide that
you do not want us to share your Personal Information with these entities for their direct marketing purposes, you
may opt out of such sharing in the future by emailing firstname.lastname@example.org.
As Everyday Finance Help develops, we may buy other businesses or their assets or sell our business assets. Customer
information is generally one of the business assets involved in such transactions. Thus, in the event
that Everyday Finance Help or all of its assets are acquired, customer information would be one of the transferred
We reserve the right to disclose visitor information in special cases when we have reason to believe that disclosing
this information is necessary to identify, contact or bring legal action against someone who may be causing injury
to or interference with (either intentionally or unintentionally) our rights or property, other visitors, Providers,
our partner web sites or anyone else that could be harmed by such activities. We also reserve the right to disclose
visitor information when we believe in good faith that the law requires it.
From time to time, we may collect general, non-personal, statistical information about the use of the Site and the
Service, such as how many visitors visit the Site, how they get to the Site, how long they stay there and which
hyperlinks, if any, they "click" on. We collect this information through the use of "cookies" and other tracking
technologies, which are discussed in greater detail below. We collect this information in order to determine which
areas of the Site are most popular and to enhance the Site and the Service for visitors. We may group this
information into aggregate visitor data in order to describe the use of the Site and the Service to our existing or
potential business partners, advertisers, Providers or other third parties, or in response to a government request.
We may also group Additional Information that we collect from visitors into aggregate data for the same purposes.
However, please be assured that this aggregate data will in no way personally identify you or any other visitors to
Cookies and Other Tracking Technologies
Some of our web pages utilize "cookies" and other tracking technologies. A cookie is a small text file that a web
information about web site activity. Most browsers allow you to control cookies, including whether or not to accept
them and how to remove them. You may set most browsers to notify you if you receive a cookie, or you may choose to
block cookies with your browser. However, please be aware that some features of the Site may not function properly
with links on the Site. We do not control these cookies. The use of advertising cookies sent by third party servers
is standard in the Internet industry.
Tracking technologies may record information such as Internet domain and host names; Internet protocol (IP)
addresses; browser software and operating system types; clickstream patterns; and dates and times that our Site is
accessed. An IP address is a number that is automatically assigned to your computer whenever you are surfing the
web. Web servers, the big computers that "serve up" webpages, automatically identify your computer by its IP
address. If you come to the Site from an online banner ad, a link on a third-party web site or a similar source, an
anonymous identification number may be passed to the Site. This information cannot be used to gather any personally
identifiable information about you. It will only allow us to track the overall effectiveness of our online
It is not our practice to link the information we record using cookies or other tracking technologies to any
other tracking technologies to identify a visitor only when we feel it is necessary to enforce compliance with the
Site's policies, to protect the Site, the Service, our customers or others, or when we believe in good faith that
the law requires it.
Links to Other Sites
Please be aware that when you are on the Site, you could be directed to other sites that are beyond our control.
These other sites may send their own cookies to visitors, collect data or solicit Personal Information. The privacy
the privacy practices of these other sites and cannot guarantee the security of any of your Personal Information
We intend to take reasonable and appropriate steps to protect the Personal Information that you share with us from
unauthorized access or disclosure. When you transmit Personal Information from your PC to our servers, your
information is protected by both a "firewall" (a combination of computer hardware and software that helps keep
unauthorized visitors from accessing information within our computer network) and industry standard SSL (secure
socket layer) encryption. Unfortunately, no data transmission over the Internet can be guaranteed to be 100 percent
secure. As a result, while we strive to protect your Personal Information and privacy, we cannot guarantee or
warrant the security of any information you disclose or transmit to us online and cannot be responsible for the
theft, destruction, or inadvertent disclosure of your Personal Information.
If we provide visitors with the ability to create an account on the Site and you create such an account, you may be
asked to choose a password for your account, in which case access to your account shall be protected by your
password. We recommend that you do not disclose your password to any other person. You are responsible for
maintaining the confidentiality of your password and account, and are fully responsible for all activities that
occur under your password or account. If you create an account on the Site, you may view and update your account
information at any time by logging into your account.
The Site and the Service are not intended for use by children under 13. We do not knowingly collect Personal
Information from anyone under 13 years of age. If you are under 13, please do not submit any Personal Information on
following the posting of changes to these terms will mean you accept those changes.
such practices comply with the laws of any other territory. Visitors who use the Site or the Service and reside
outside the United States do so on their own initiative and are responsible for compliance with local laws, if and
to the extent local laws are applicable. If you reside outside the United States, by using our Site or the Service,
you consent to the transfer and use of your information outside your country.
Everyday Finance Help
1801 E 51st Street Suite 365-295
Austin, TX 78723