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The Water Cooler
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<blockquote data-quote="SlugSlinger" data-source="post: 3080936" data-attributes="member: 7248"><p>Now that we've covered the No-Nos, let us explain how we could share with third parties. We may share information about you, including Personal Information, with third parties in a variety of ways, such as:</p><p></p><ul> <li data-xf-list-type="ul">Agents acting on our behalf. We may share information about you with service providers or agents in order to have them perform on our behalf any of the activities we are permitted to conduct under this Privacy Policy and our Terms of Service. This includes things like designing or operating features, helping us research and test feature improvements, identifying offers or personalized recommendations, performing analytics and marketing our Services. These third parties are acting on our behalf so while they may have access to your information, including things like your credit reports and scores, they're required to follow our instructions and meet the standards explained in our Privacy Policy when handling information about you that we provide them.</li> <li data-xf-list-type="ul">When we collaborate with third parties to provide and improve our Services. We may sometimes share information about you with third parties we collaborate with in connection with providing or improving our Services. This can occur, for example, when we're providing an integrated or co-branded feature with a partner (e.g., our Credit Score Simulator) or doing a joint research project with another organization to help improve our Services. We may also share information like the feedback you submit to us if it relates to both our Services and a partner's products. When we share information with third-party collaborators, our collaborators are obligated to follow the No-Nos above, but may also use the information in connection with their own activities to the extent allowed under their own privacy practices (e.g., respond to your feedback, conduct additional research, or improve a feature of theirs).</li> <li data-xf-list-type="ul">Our partners when you ask for their services. We may also give you opportunities to interact with third party partners through our Services, such as when we provide you with the opportunity to review and send your personal information to a partner in order to pre-populate your application on the partner’s site or we send you to the partner’s site for you to provide the information directly to them. In some cases, if you click through to go to a partner’s site, you will automatically be sending your personal information to that partner to pre-populate your application on the partner’s site. When this happens, you will still have to submit your application on the partner’s site. Remember that any information you provide to the partner, whether through us or on your own, will be subject to their privacy practices and terms and conditions.</li> <li data-xf-list-type="ul">When you publicly post the information. As part of our Services, we may provide opportunities for you to publicly post reviews, questions, comments, suggestions or other content, which may include Personal Information and portions of your Member Profile designated as public profile information, like your name or user name. Anything you share in a public forum is, obviously, public, so think carefully about what you decide to share. You should also read our <a href="https://www.creditkarma.com/about/rules" target="_blank">Community Rules</a> for more information on what is appropriate to post. If you would like us to remove Personal Information included in Community Content, contact us <a href="mailto:legal@creditkarma.com">here</a>. In some cases, we may not be able to remove your Personal Information, but we will try to respond to let you know why.</li> <li data-xf-list-type="ul">As Part of a Corporate Change. We may disclose and transfer information about you to a third party as part of, or in preparation for, a change of control, restructuring, corporate change, or sale or transfer of assets. If such a business transfer results in a material change in the treatment of your Personal Information, you will be notified by e-mail (using the primary email address on your account) or by a prominent notice on our site.</li> <li data-xf-list-type="ul">For Legal Reasons. We reserve the right to transfer or disclose information about you to third parties for certain legal purposes. (You can read more about these in the “<a href="https://www.creditkarma.com/about/privacy-20180122#howInfoUsed" target="_blank">How We Use the Information We Collect</a>” section above.)</li> <li data-xf-list-type="ul">With Your Consent. There may also be other limited contexts in which we share specific types of personal information with your express consent.</li> </ul><p>We may also share with third parties de-identified or aggregated data we collect, such as de-identified or aggregated credit reports or scores, de-identified demographic information, or information about the computer or device from which you access the Service. We share such information for a variety of purposes, including to analyze Service usage, develop shared services, and improve our own products and features.</p></blockquote><p></p>
[QUOTE="SlugSlinger, post: 3080936, member: 7248"] Now that we've covered the No-Nos, let us explain how we could share with third parties. We may share information about you, including Personal Information, with third parties in a variety of ways, such as: [LIST] [*]Agents acting on our behalf. We may share information about you with service providers or agents in order to have them perform on our behalf any of the activities we are permitted to conduct under this Privacy Policy and our Terms of Service. This includes things like designing or operating features, helping us research and test feature improvements, identifying offers or personalized recommendations, performing analytics and marketing our Services. These third parties are acting on our behalf so while they may have access to your information, including things like your credit reports and scores, they're required to follow our instructions and meet the standards explained in our Privacy Policy when handling information about you that we provide them. [*]When we collaborate with third parties to provide and improve our Services. We may sometimes share information about you with third parties we collaborate with in connection with providing or improving our Services. This can occur, for example, when we're providing an integrated or co-branded feature with a partner (e.g., our Credit Score Simulator) or doing a joint research project with another organization to help improve our Services. We may also share information like the feedback you submit to us if it relates to both our Services and a partner's products. When we share information with third-party collaborators, our collaborators are obligated to follow the No-Nos above, but may also use the information in connection with their own activities to the extent allowed under their own privacy practices (e.g., respond to your feedback, conduct additional research, or improve a feature of theirs). [*]Our partners when you ask for their services. We may also give you opportunities to interact with third party partners through our Services, such as when we provide you with the opportunity to review and send your personal information to a partner in order to pre-populate your application on the partner’s site or we send you to the partner’s site for you to provide the information directly to them. In some cases, if you click through to go to a partner’s site, you will automatically be sending your personal information to that partner to pre-populate your application on the partner’s site. When this happens, you will still have to submit your application on the partner’s site. Remember that any information you provide to the partner, whether through us or on your own, will be subject to their privacy practices and terms and conditions. [*]When you publicly post the information. As part of our Services, we may provide opportunities for you to publicly post reviews, questions, comments, suggestions or other content, which may include Personal Information and portions of your Member Profile designated as public profile information, like your name or user name. Anything you share in a public forum is, obviously, public, so think carefully about what you decide to share. You should also read our [URL='https://www.creditkarma.com/about/rules']Community Rules[/URL] for more information on what is appropriate to post. If you would like us to remove Personal Information included in Community Content, contact us [EMAIL='legal@creditkarma.com']here[/EMAIL]. In some cases, we may not be able to remove your Personal Information, but we will try to respond to let you know why. [*]As Part of a Corporate Change. We may disclose and transfer information about you to a third party as part of, or in preparation for, a change of control, restructuring, corporate change, or sale or transfer of assets. If such a business transfer results in a material change in the treatment of your Personal Information, you will be notified by e-mail (using the primary email address on your account) or by a prominent notice on our site. [*]For Legal Reasons. We reserve the right to transfer or disclose information about you to third parties for certain legal purposes. (You can read more about these in the “[URL='https://www.creditkarma.com/about/privacy-20180122#howInfoUsed']How We Use the Information We Collect[/URL]” section above.) [*]With Your Consent. There may also be other limited contexts in which we share specific types of personal information with your express consent. [/LIST] We may also share with third parties de-identified or aggregated data we collect, such as de-identified or aggregated credit reports or scores, de-identified demographic information, or information about the computer or device from which you access the Service. We share such information for a variety of purposes, including to analyze Service usage, develop shared services, and improve our own products and features. [/QUOTE]
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