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Valassis Privacy Statement

Last Review/Update: November 16, 2016

This Privacy Statement applies to this website or application and to related websites, applications, services and mobile applications on or in which this Privacy Statement appears or is linked or referenced (collectively, the "Valassis Properties"). The Valassis Properties are owned and/or operated by Valassis Communications, Inc. or any of its affiliates ("Valassis","we" or "us"). We are dedicated to ensuring that this Privacy Statement helps clarify how we collect and process your information.

This Privacy Statement describes:

  • The information we collect on or through the Valassis Properties and how we collect it.
  • How we use and process the information we collect.
  • Your choices regarding the collection and processing of your Personal Information.

It does not cover the privacy practices of third parties that we do not own or control.

It is important to note that we may provide third party content or links to third-party websites or applications, or include features that allow you to connect your account with third parties, such as financial institutions or social media platforms like Facebook.

Anytime you leave our properties or interact with third-party features, you should also read the applicable third party's privacy policies and terms of service to make sure you understand how they might collect and share information about you (approaches and philosophies can be different).

Before submitting information to or through the Valassis Properties, please review this Privacy Statement carefully.  (If you have not done so already, please also review our Terms of Use.)

When you use, access or interact with the Valassis Properties, you are agreeing to our Terms of Use and consenting to how we collect, share and otherwise use information about you as described in this Privacy Statement. 

1. Personal Information

The types of information we may collect from you fit in two general categories:

  • Personal Information: This is information that can be used to identify you personally, such as your name, address, email address, Social Security number or phone number.
  • Non-Personal Information: This is information about you or your household that doesn't identify you personally, like your gender, income or the types of financial products in which you may have an interest.

When we combine information that isn't Personal Information (like Non-Personal Information or Usage Information, which we explain below) with Personal Information, we treat it like Personal Information for as long as it is combined.

For clarification, Personal Information does not include information that has been made anonymous or aggregated so that it can no longer be used to identify a specific person.

2. Information Collection

We collect information that you provide to us and from your use of the Valassis Properties.  The type of information that we collect and how we process it depends on how you use and access the Valassis Properties.

a. Information that You Provide to Valassis:  You may provide us with your Personal Information when you create an account to use one of the Valassis Properties, register for a sweepstakes or other promotion, request a free sample, contact us for help or information, sign up for newsletters, provide feedback or otherwise voluntarily supply your Personal Information to us (e.g., direct messaging).  We may collect location information from your mobile device that is relevant to the services that you access through your mobile device.

b.  Information that Valassis Collects When You Use the Valassis Properties:  When you use the Valassis Properties, we collect information about how you interact with the Valassis Properties.  For some solutions, we use cookies, web beacons and other Data Collection Technologies (defined in Section 4c below) to collect this information, which may include IP address, domain name, browser type, mobile service provider, mobile device type, operating system type, web pages viewed, access date and time, referring website address and website address of the web page you visit after you leave the Valassis Properties.  Some of the information collected may be Personal Information. 

Some of the emails that we send to you may include a click-through link.  Before you arrive at the linked website, you pass through our servers.  We track these 'click-throughs' to help us determine your interest in particular topics and measure the effectiveness of our customer communications.

3. Information Processing

a. How We Use Information

We use the information that you provide to us to operate the Valassis Properties, including:

  • personalizing the types of information that you receive from Valassis;
  • assessing trends in your use of the Valassis Properties or purchases of products or services;
  • customizing, improving and developing content and functionality that helps us better serve your needs;
  • facilitating communication between Valassis and you;
  • effectuating your opt-out of our direct mail campaigns;
  • providing you with information that we think may interest you, such as company news and certain products, services, special deals and promotions;
  • providing features like your free credit reports and scores;
  • displaying third-party advertisements that may interest you based on your activity on the Valassis Properties;
  • enforcing our agreements with you;
  • developing aggregate, non-identifiable data that may be used for our business purposes.
  • sending you important administrative information regarding the Valassis Properties; and
  • preventing fraud and other prohibited or illegal activities.

 We and our business partners also may combine different types of information collected from or about you through various sources, including Personal Information, and use the combined information for the purposes described in this Privacy Statement. 

b. How We Share and Disclose Information

Unless you have consented, we will not share or disclose your Personal Information other than as described in this Privacy Statement.  Notwithstanding the foregoing, we may share and disclose your information, without your prior consent as follows:

i. Affiliates:  We may share your information with our affiliates and strategic business partners;

ii.  Fulfillment of Services:  Valassis may retain third-parties to perform functions on our behalf, such as customer service, web hosting, fulfillment and data analyses companies. These third parties may have access to Personal Information needed to perform their functions but we require that they not use it for any other purpose;

iii.  Compliance with Law and Fraud Protection:  We may disclose any information, including Personal Information, as we deem necessary, in our sole discretion to comply with a subpoena, regulation, binding order of a data protection agency, legal process, governmental request or other legal or regulatory process.  Valassis reserves the right to disclose your Personal Information if we believe you have or are violating our Terms of Use or in order to protect or defend Valassis' rights or property, even without a subpoena, warrant or other court order; and

iv.  Sale or Merger:  If all or part of Valassis (or any of its assets) is sold, merged or otherwise transferred to another entity, we will continue to process information consistent with this Privacy Statement. 

4.   Policy on Cookies, Interest-Based Advertising and "Do Not Track"

a. What Are Cookies?  Cookies are small text files placed in your computer browser directories to store your information about your use of the Valassis Properties and your activities online (collectively, "Cookies").  A Cookie typically contains the name of the domain (internet location) from which the Cookie originated, the "lifetime" of the Cookie (i.e., when it expires), and a randomly generated unique number or other identifier.  

We use Cookies so that we can improve your online experience – for example, by remembering you when you return to one of the Valassis Properties and tailoring content to your interests.

b:  Your Control of Cookies:  If you wish to reject Cookies or manage the Cookies you accept, you may adjust your browser settings to reject Cookies or alert you when a Cookie is placed on your computer. The Help feature on most browsers will tell you how to prevent your browser from accepting new Cookies, how your browser will notify you when you receive a new Cookie or how to disable Cookies.   Although you are not required to accept our Cookies, if you set your browser to reject Cookies, you may not be able to use all of the features and functionality of the Valassis Properties. 

c.  Online Advertising:   In addition to Cookies, we may also use data collection technologies such as pixel tags, web beacons and clear GIF files (collectively with Cookies, the "Data Collection Technologies") that are used in connection with online advertising. These Data Collection Technologies are provided by ad management partners and other third parties.

We and our ad management partners also may use Data Collection Technologies to record the actions of users of the Valassis Properties, to measure statistics of our marketing efforts, to deliver advertisements on the Valassis Properties that may be more relevant to individual consumers and to improve the consumer experience on the Valassis Properties.  

We support the Self-Regulatory Principles for Online Behavioral Advertising of the Digital Advertising Alliance ("Principles").  This means that we allow you to exercise choice regarding the collection of information about your online activities over time and across third-party websites for online interest based advertising purposes.  More information about these Principles can be found here

d.  Opting Out of Interest-Based Advertisements:  If you want to "opt out" of receiving online interest-based advertisements, please follow the instructions at www.aboutads.info/choices or http://www.networkadvertising.org/choices/.  An "opt-out" Cookie will be placed on your device indicating that you do not want to receive interest-based advertisements.  If you delete Cookies on your device generally, you will need to opt-out again. 

Please note that opting out of interest-based advertising does not mean you will no longer see advertisements from us or on the Valassis Properties; rather, opting out means that the online ads that you do see will not be based on your particular interests. 

In addition, when you opt-out of receiving interest-based advertisements through the links above, Data Collection Technologies on the Valassis Properties may still collect information about your use of the Valassis Properties, including for analytics, fraud prevention and any other purpose permitted under the Principles.

e.  Messaging Services:  A subscriber to our credit focused messaging services can opt-out of those solutions by simply sending us an internet message with the request as defined in the Terms of Use.

f.  Data Collection by Third Parties:  Please note that certain third parties that we do not control may use Data Collection Technologies on the Valassis Properties.  This privacy statement does not apply to those third parties or their Data Collection Technologies.

5. Security

Valassis is committed to protecting your information. We have implemented industry acceptable security safeguards designed to protect your information from unauthorized access and use. 

We strive to ensure that Valassis' agents, contractors or business partners that have access to information in connection with providing services for the Valassis Properties keep the information confidential and do not use the information for any other purpose than to carry out the services they are performing for Valassis. 

Although we work hard to protect your information, no data transmission over the Internet is completely secure and, consequently, we cannot guarantee the security of your information.  Disclosure of information to Valassis is at your own risk.  We urge you to take every precaution to protect your information when you use the Internet or store information on your computer or mobile device.

6. Children

We do not knowingly collect information from minors. To use the Valassis Properties, you must be the age of legal majority in your place of residence. We do not use an "age gate" or other mechanism to determine the age of users of the Valassis Properties. By using the Valassis Properties, you hereby represent that you are at least the age of legal majority in your place of residence. All information provided to Valassis is treated as if provided by an adult.

If we learn that a minor has submitted information about himself/herself to us, we delete it as soon as possible. If you believe that we have collected Personal Information from a minor, please contact us at wecare@valassis.com.

7. California Consumer Rights Information

A business subject to California Civil Code section 1798.83 is required to disclose to its California customers, upon request, the identity of any third parties to whom the business has disclosed Personal Information within the previous calendar year, along with the type of Personal Information disclosed, for the third parties' direct marketing purposes.  If you are a California resident and would like to make such a request, please submit your request in writing to:  19975 Victor Parkway, Livonia, MI 48152, or by email to: wecare@valassis.com.  Please note that under California law, businesses are only required to respond to a customer request once during any calendar year.

Under California Civil Code Section 1789.3, we are required to provide California residents with the following specific consumer rights information:

i.  The Valassis Properties are owned and/or operated by Valassis Communications, Inc. and/or its affiliates, 19975 Victor Parkway, Livonia, MI 48152

ii.  Unless otherwise expressly stated, the Valassis Properties are provided without charge.

iii.  To file a complaint regarding any of the Valassis Properties or to receive further information regarding use of the Valassis Properties, please send a letter to the above address or contact us via email at wecare@valassis.com (with "California Resident Request" as the Subject Line). You also may contact the Complaint Assistance Unit of the Division of Consumer Services of California's Department of Consumer Affairs in writing at 400 R Street, Suite 1080, Sacramento, California 95814 or by telephone at 916.445.1254 or 800.952.5210.

8. General

a.  Links To Other Websites:  Certain of the Valassis Properties may include links to third-party websites or services that Valassis does not own or control.  We are not responsible for the information collection practices of any website or service that we do not own or control.  We encourage you to review and understand the privacy practices of third-party websites or services before providing any information to or through them.

b.  Changes To Privacy Statement:  The Effective Date of this Privacy Statement is set forth at the top of this webpage.  We may make changes to this Statement and will notify you of any material change by posting notice on this webpage.  We will not make retroactive changes that reduce your privacy rights unless we are legally required to do so.  Your continued use of the Valassis Properties after the Effective Date constitutes your acceptance of the amended Privacy Statement. The amended Privacy Statement supersedes all previous versions. 

c.  Dispute Resolution and Arbitration:  Please see our Terms of Use for important information about dispute resolution and arbitration associated with the solutions we provide.

d.  Information Transmission:  The Valassis Properties are hosted in the United States and other jurisdictions. If you are visiting the Valassis Properties from outside the United States, your information may be transferred to, stored and processed in the United States. The data protection and other laws of the United States may not be as comprehensive as those in your country.  By using the Valassis Properties, you consent to transfer of your information to our facilities as described in this Privacy Statement and our Terms of Use

9. Questions?

You may contact us at wecare@valassis.com to request corrections, amendments or deletions to any Personal Information that you have provided through the Valassis Properties.  Valassis will use reasonable efforts to supply you with requested Personal Information and correct any factual inaccuracy or delete your Personal Information from our marketing databases. To honor your request, we will need the exact information you wish to correct, amend or delete.

If you have questions about this Privacy Statement, please contact us at wecare@valassis.com.

 

 

 

Valassis Terms of Use 

Last Review/Update: November 30, 2016

1. General

These Terms of Use govern the use of this website or application and to related websites, applications, services and mobile applications (“Valassis Properties” or each, a “Valassis Property”).  If you do not agree to the terms and conditions set forth below, please do not use the properties or any information contained therein.  By using the Valassis Properties and/or the information contained therein you agree to these Terms of Use set forth below.  The Valassis Properties are owned and/or operated by Valassis Communications, Inc. or any of its affiliates (“Valassis,” “we,” or “us”).  We reserve the right in our sole and absolute discretion to make changes to how we operate and provide the Valassis Properties or any of the services we provide.

These Terms of Use include an agreement to resolve any disputes through binding arbitration that includes a class action waiver as well as important disclaimers and limitations of liability.

2. Content

All text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork, computer code and other content and materials (collectively, “Content”), including, but not limited to, the design, structure, selection, coordination, expression, “look and feel” and arrangement of such Content, contained on the Valassis Properties is owned, controlled or licensed by or to Valassis, and is protected by trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.  Except as expressly provided in these Terms of Use, no part of the Valassis Properties and no Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way, including mirroring, to any other computer, server, website or other medium for publication or distribution or for any commercial enterprise, without Valassis' express prior written consent.

Valassis does not represent or endorse the accuracy or reliability of any advice, opinion, statement, or other information displayed or distributed through the Valassis Property.  You acknowledge that any reliance upon any such opinion, advice, statement, memorandum, or information shall be at your sole risk. Valassis reserves the right, in its sole discretion, to correct any errors or omissions in any portion of the Valassis Properties.  Valassis does not and cannot review all materials or information posted to the Valassis Properties by users, and Valassis is not responsible for any such materials or information posted by users.  However, Valassis reserves the right at all times to disclose any materials or information as necessary to satisfy any law, regulation or government request or requirement, or to edit, refuse to post or to remove any materials or information, in whole or in part, that in Valassis' sole discretion is objectionable or in violation of these Terms of Use.  Notwithstanding, you may print or download one copy of the information on this Valassis Property solely for your personal non-commercial home use, provided you keep intact all copyright, trademark and other proprietary notices, and you may print or download the coupons provided on this Valassis Property.

All registered trademarks ®, trademarks ™ and service marks that may be used on any coupons featured on this Valassis Property to identify the products and services of other companies are the property of their respective owners.  Valassis makes no claims to these trademarks ®, trademarks ™ and service marks.  Valassis reserves the right to add additional trademarks ®, trademarks ™ and service marks that identify products and services displayed on coupons featured on this Valassis Property.

3. Your Use of the Site

You may not use any "deep-link", "page-scrape", "robot", "spider" or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Valassis Properties or any Content, or in any way reproduce or circumvent the navigational structure or presentation of the Valassis Property or any Content, to obtain or attempt to obtain any materials or information through any means not purposely made available through the Valassis Property.  Valassis reserves the right to bar any such activity.  You may not attempt to gain unauthorized access to any portion or feature of the Valassis Property, or any other systems or networks connected to the Valassis Property or to any Valassis server, or to any of the services offered on or through the Valassis Property, by hacking, password "mining" or any other illegitimate means.  You may not probe, scan or test the vulnerability of the Valassis Property or any network connected to the Valassis Property, nor breach the security or authentication measures on the Valassis Property or any network connected to the Valassis Property.  You may not reverse look-up, trace or seek to trace any information on any other user of or visitor to the Valassis Property, or any other customer of Valassis, including any Valassis account not owned by you, to its source or exploit the Valassis Property or any service or information made available or offered by or through the Valassis Property, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than your own information, as provided for by the Valassis Property.  You agree that you will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Valassis Properties or Valassis' systems or networks, or any systems or networks connected to the Valassis Properties or to Valassis.  You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the Valassis Properties or any transaction being conducted on the Valassis Properties, or with any other person's use of the Valassis Properties. You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send to Valassis on or through the Valassis Properties or any service offered on or through the Valassis Properties. You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity.  You may not use the Valassis Properties or any Content for any purpose that is unlawful or prohibited by these Terms of Use, or to solicit the performance of any illegal activity or other activity which infringes the rights of Valassis or others. You shall not link this Valassis Property to any other site without the express prior written approval of Valassis.

4. Modifications

Valassis may change these Terms of Use at any time and such changes will be effective immediately upon posting. You should check these Terms of Use periodically because your continued use of the Valassis Properties will be deemed acceptance of any modified terms and conditions. If you do not agree to the modified terms and conditions, you should discontinue use of the Valassis Properties.

5. Information

Valassis makes an effort to keep the information on this Valassis Property reliable and accurate, but does not guarantee the reliability or accuracy of any of the information on either this Valassis Property or on sites that are linked to this Valassis Property.  Valassis cannot and does not guarantee the reliability or accuracy of information provided by third-parties through the Valassis Properties, including credit report or credit score information provided by credit reporting agencies or other business partners.

Valassis also does not guarantee that the files or information available for downloading are free of infection from viruses or other harmful components.  Valassis shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon.   All coupons, offers and promotions on this site are subject to change without notice.  Valassis provides you, our visitors, a venue for obtaining the information contained in this Valassis Property and has no control over the legality of any coupons or other offers made by Valassis, the ability of any of the other companies to complete the sales or services in accordance with the offers, or the quality of the goods and/or services offered by the other companies.  Valassis has no control over whether the other companies will honor the offers and coupons shown on this Valassis Property and does not guarantee the accuracy or completeness of the materials or information contained on this Valassis Property.  In the event you have a dispute with another company in any way relating to this Valassis Property or the use of materials or information from this Valassis Property, you agree to waive and release Valassis from any and all claims, demands, actions, damages, losses, costs or expenses of every kind and nature, known and unknown, disclosed and undisclosed relating to that dispute.

6. Disclaimers

WE PROVIDE THE VALASSIS PROPERTIES, OUR SERVICES, OUR CONTENT, AND ALL CONTENT AVAILABLE THROUGH THE VALASSIS PROPERTIES OR OUR SERVICES “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED.  VALASSIS (INCLUDING ITS AFFILIATES) DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, QUALITY, ACCURACY, TITLE AND NON-INFRINGEMENT, AND ANY WARRANTY ARISING OUT OF COURSE OF DEALING, USAGE OR TRADE.  WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, VALASSIS (INCLUDING ITS AFFILIATES) DOES NOT WARRANT THAT THE VALASSIS PROPERTIES WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT DEFECTS WILL BE CORRECTED.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE VALASSIS PROPERTIES, OUR SERVICES, OUR CONTENT, OR OTHERWISE AVAILABLE THROUGH THE VALASSIS PROPERTIES OR OUR SERVICES WILL CREATE ANY WARRANTY REGARDING VALASSIS (OR ITS AFFILIATES) OR ANY OF THE VALASSIS PROPERTIES OR OUR SERVICES THAT IS NOT EXPRESSLY STATED IN THESE TERMS OF USE.  YOU USE THE VALASSIS PROPERTIES AND OUR SERVICES, AND USE, ACCESS, DOWNLOAD, OR OTHERWISE OBTAIN OUR CONTENT OR OTHER CONTENT AVAILABLE THROUGH THE VALASSIS PROPERTIES OR OUR SERVICES AT YOUR OWN DISCRETION AND RISK.  YOU ASSUME ALL RISK FOR ANY DAMAGE THAT MAY RESULT FROM YOUR USE OF OR ACCESS TO THE VALASSIS PROPERTIES OR OUR SERVICES OR THE USE OF ANY OF OUR CONTENT OR OTHER CONTENT AVAILABLE THROUGH THE VALASSIS PROPERTIES OR OUR SERVICES.  YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING ANY COMPUTER SYSTEM OR MOBILE DEVICE USED IN CONNECTION WITH THE VALASSIS PROPERTIES OR OUR SERVICES), OR THE LOSS OF DATA THAT MAY RESULT FROM THE USE OF THE VALASSIS PROPERTIES OR OUR SERVICES OR THE USE OF ANY OF OUR CONTENT OR OTHER CONTENT AVAILABLE THROUGH THE VALASSIS PROPERTIES OR OUR SERVICES.

7. Limitation Of Liability

VALASSIS (INCLUDING ITS AFFILIATES) WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (SUCH AS LOSS OF PROFITS, LOSS OF GOODWILL, LOSS OF USE, LOSS OF DATA, BUSINESS INTERRUPTION, OR OTHER INTANGIBLE LOSSES) ARISING OUT OF OR RELATING IN ANY WAY TO THE VALASSIS PROPERTIES OR OUR SERVICES OR THE USE OR INABILITY TO USE ANY OF THE FOREGOING EVEN  IF VALASSIS (INCLUDING ITS AFFILIATES) HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

EXCEPT AS REQUIRED BY APPLICABLE LAW, IN NO EVENT WILL THE TOTAL LIABILITY OF VALASSIS (INCLUDING ITS AFFILIATES) TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF, OR ANY INABILITY TO USE ANY PORTION OF THE VALASSIS PROPERTIES OR OUR SERVICES WHETHER IN CONTRACT, TORT, OR OTHERWISE, EXCEED YOUR ACTUAL, OUT-OF-POCKET EXPENSES OR DAMAGES.

IF ANY OF THE FOREGOING LIMITATIONS ARE FOUND TO BE INVALID, THE TOTAL LIABILITY OF VALASSIS (INCLUDING ITS AFFILIATES) FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION OF ANY KIND OR NATURE WHATSOEVER SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.

8. Indemnification

You will defend (if requested by Valassis), indemnify, and hold harmless Valassis (including its affiliates) and their respective officers, directors, equity holders, employees, agents and licensors (collectively, the “Valassis Parties”) from and against any and all claims, losses, expenses, demands, or liabilities, including attorneys' fees and costs, incurred by the Valassis Parties in connection with any claim by a third party arising out of or in any way related to:  (1) your use of the Valassis Properties or our services; (2) your violation or alleged violation of these Terms of Use or your violation or alleged violation of any applicable law; (3) your infringement or alleged infringement of any intellectual property or other right of any other person or entity; or (4) any dispute between you and a third party, including any provider of third party content.  You must not settle any such claim or matter without the prior written consent of Valassis. The Valassis Parties reserve the right, at their own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you further agree that you will cooperate fully in the defense of any such claims.

9. Additional Terms of Use for Online Credit Information

We provide certain online credit information through the Valassis Properties including (i) a free credit score from a major credit bureau (plus free credit monitoring), along with factors impacting your credit score and (ii) access to certain financial offers from our marketing partners.

In order to receive the online credit information you will need to register for an account.  By registering, you certify that:

  • You are 18 years of age or older
  • You have a valid U.S. Social Security number
  • Any information you provide to us, both when you register and in the future, is and will be true, accurate, current and complete
  • You are only registering an account for yourself
  • You will keep all information up to date

You must not sell, transfer, or assign your account to anyone else.  

When you register, you authorize us to create and maintain an account in your name using your account registration information and other information that may be collected about you in accordance with our Privacy Statement as part of providing credit information (collectively, such information is your “Profile.”). By registering, you also specifically consent to let us request and receive your consumer report data and other data about you from third parties to include in your Profile as follows:

I understand that I am providing written instructions in accordance with the Fair Credit Reporting Act and other applicable law for Valassis  (including its affiliated companies) to request and receive copies of consumer reports, scores and related information about me from third parties, including, but not limited to, TransUnion.  I understand that my instructions let Valassis and its affiliated companies obtain such information at any time for as long as I have a client account to use as described in the Terms of Use and Privacy Statement.

As described in our Privacy Statement, you expressly consent and request that Valassis and its affiliated companies obtain your credit report, credit score, and other relevant information in order to analyze, sort, and present certain information or features to you.  With respect to offers from our marketing partners, Valassis does not guarantee that you will be presented with offers for any particular types of products or services or that you will meet the approval criteria for any particular offer. It is always your choice whether to apply for a product or service offered by our marketing partners and we will never submit an application for a product or service to a marketing partner on your behalf without your consent.  All credit information is presented through the Valassis Properties for educational purposes only.  We do not guarantee that the information we present through the Valassis Properties, including credit report or credit score information, is the same information that may be used or reviewed by a third party to assess your creditworthiness or eligibility for any particular product or service or for employment.  Valassis is not a credit repair organization, credit counselor, or financial or legal advisor as defined under federal or state law, and Valassis does not offer credit.  Use of the Valassis Properties is not a replacement for personal, professional advice or assistance regarding your finances, credit history or fixing your credit rating.  You must comply with all applicable laws when using the Valassis Properties. You are not permitted to use the Valassis Properties to obtain any consumer credit report, score or other consumer credit information under false pretenses or in violation of the Fair Credit Reporting Act or applicable state or federal law.

If you decide you want to deactivate your account you can opt-out of these solutions by simply sending us an internet message with the request to creditscore@redplum.com.

YOU ACKNOWLEDGE THAT VALASSIS IS SOLELY AN INTERMEDIARY (I) BETWEEN YOU AND ANY CREDIT REPORTING AGENCY OR OTHER INFORMATION PROVIDERS ACTUALLY SUPPLYING YOUR CREDIT REPORTS, CREDIT SCORES AND OTHER INFORMATION; AND (II) BETWEEN YOU AND OUR BUSINESS PARTNERS WHOSE OFFERS WE PRESENT. VALASSIS EXPRESSLY DISCLAIMS ANY LIABILITY FOR ANY ERRORS OR OMISSIONS IN OUR CONTENT OR OUR SERVICES, INCLUDING THE INACCURACY OR INCOMPLETENESS OF ANY SUCH CREDIT REPORTS, CREDIT SCORES, OFFERS OR OTHER INFORMATION, TOOLS OR ANALYSES AVAILABLE THROUGH OUR SERVICES OR OUR CONTENT.

10. Links to or Connections with Third Party Sites or Applications

Our services or communications to you may contain third party content or links to third party sites, applications or services (collectively, “Third Party Content”).  The Valassis Properties or our services may also include features that allow you to connect your account with accounts or services provided by third parties (collectively, “Third Party Services”).  We do not control, maintain, or endorse the Third Party Content or Third Party Services, and we are not responsible or liable for any Third Party Content or Third Party Services, including any damages, losses, failures, or problems caused by, related to, or arising from Third Party Content or Third Party Services.  Your interactions and business dealings with the providers of the Third Party Content or Third Party Services, including products or services offered by such third parties, are solely between you and the third party.  You should review all of the relevant terms and conditions associated with Third Party Content or Third Party Services, including any privacy policies and terms of service.  We are not responsible for any information that you agree to share with third parties in connection with Third Party Content or Third Party Services.

11. Monitoring of our Services and Disclosure for Administrative and Legal Reasons

Valassis has the right, but not the obligation, to monitor our services electronically. We may access, use, preserve, transfer or disclose, at any time and without notice to you, any information (including Personal Information as defined in our Privacy Statement) as reasonably necessary to:  (1) comply with any applicable law, regulation, subpoena, or legal process, or respond to any governmental request or cooperate with law enforcement, if we believe such action is required or permitted by law; (2) enforce the Terms of Use, including to investigate potential violations; (3) protect the safety, integrity, rights, or security of our clients, our services or equipment, or any third party; or (4) detect, prevent, or otherwise address fraud, security, or technical issues related to our services or the services of our business partners.

12. Termination of Use

Valassis may, in its sole discretion, terminate your account or your use of the Valassis Property at any time.  Valassis reserves the right to change, suspend, or discontinue all or any aspects of the Valassis Property at any time without prior notice.

13. Dispute Resolution and Arbitration

In the interest of resolving disputes between you and Valassis in the most expedient and cost-effective manner, you and Valassis agree that every dispute arising in connection with these Terms of Use will be resolved by binding arbitration.  You and we further agree that the Federal Arbitration Act (“FAA”) governs the interpretation and enforcement of this arbitration provision. Arbitration is less formal than a lawsuit in court.  Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts.  Arbitrators can award the same damages and relief that a court can award.  This agreement to arbitrate disputes includes all claims arising out of or relating to any aspect of these Terms of Use, and/or your access to, or use of, the Valassis Properties, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of when the claim arises.  The arbitrator also has exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this binding arbitration agreement.

YOU UNDERSTAND AND AGREE THAT YOU AND VALASSIS ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY.  YOU ALSO UNDERSTAND AND AGREE THAT YOU ARE WAIVING YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION RELATING TO ANY ACTION OR CLAIM THAT MAY ARISE IN CONNECTION WITH THESE TERMS OF USE OR YOUR ACCESS TO, OR USE OF, THE VALASSIS PROPERTIES.

Despite the provisions of this Section 13 above, you and we both agree that nothing in these Terms of Use will be deemed to waive, preclude or otherwise limit the right of either of us to:  (a) bring an individual action in small claims court within its jurisdictional limits; (b) file a complaint with the applicable federal, state, or local agency if that action is available; (c) seek injunctive relief in a court of law in aid of arbitration; or (d) to file a suit in a court of law solely for injunctive relief to stop unauthorized use or abuse of our services or address an intellectual property infringement claim.

Any arbitration between you and Valassis will be governed by the FAA, the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, "AAA Rules") of the American Arbitration Association ("AAA"), as modified by these Terms of Use, and will be administered by the AAA. The AAA Rules and filing forms are available online at www.adr.org, by calling the AAA at 1-800-778-7879 or by contacting Valassis at creditscore@redplum.com.

A party who intends to seek arbitration must first send a written notice of the dispute to the other by certified mail ("Notice").  Valassis’ address for Notice is: Valassis Communications, Inc., 19975 Victor Parkway, Livonia, MI 48152, Attention:  Legal Department.  The Notice must: (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought ("Demand").  You and Valassis agree to use good faith efforts to resolve the claim directly, but if you and Valassis do not reach an agreement to do so within 30 days after the Notice is received, you or we may commence an arbitration proceeding.  The arbitration proceedings, including any exchanged materials, shall be confidential and you and Valassis agree to use reasonable efforts to streamline the proceedings, including discovery, consistent with the objectives of efficient dispute resolution.

If you commence arbitration in accordance with these Terms of Use, payment of any fees will be governed by the AAA Rules.  Any arbitration hearing will take place at a location to be agreed upon in Michigan, but if the claim is for $10,000 or less, or as otherwise required, you may choose whether the arbitration will be conducted:  (a) solely on the basis of documents submitted to the arbitrator; (b) through a non-appearance based telephone hearing;  or (c) by an in-person hearing as established by the AAA Rules in the county (or parish) of your registered account address.  Regardless of the manner in which the arbitration is conducted, the arbitrator must issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based.  The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees or expenses at any time during the proceeding and upon request from either party made within fourteen (14) days of the arbitrator's ruling on the merits.

YOU AND VALASSIS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR A CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

Further, unless both you and Valassis agree otherwise, the arbitrator may not consolidate more than one person's claims or otherwise preside over any form of a representative or class proceeding.  If Valassis makes any future change to this arbitration provision (other than a change to its address for Notice), you may reject the change by sending us written notice within 30 days of the change to Valassis’ address for Notice, in which case your account with Valassis will be immediately terminated but this arbitration provision, as in effect immediately prior to the amendments you reject, will survive.  If any provision of this Section 13 is unlawful, void, or unenforceable for any reason, then that provision will be given effect to the greatest extent possible and the remaining provisions will remain in full force and effect.

14. Miscellaneous

You may not use the Valassis Properties and may not accept these Terms of Use if (a) you are not of legal age (at least 18 years old) to form a binding contract with Valassis, or (b) you are a person barred from receiving the services under the laws of the United States or other countries including the country in which you are resident or from which you use the services.

We control and operate the Valassis Properties from the United States and we make no representations or warranties that the information, products, or services provided through our services or our content are appropriate for access or use in other jurisdictions. You are not permitted to access or use our services in any jurisdiction or country if it would be contrary to the law or regulation of that jurisdiction or if it would subject us to the laws of, or any registration requirement with, such jurisdiction.  We reserve the right to limit the availability of our services or the provision of any of our content to any person, geographic area, or jurisdiction, at any time and in our sole and absolute discretion.

These Terms of Use shall be governed by the laws of the State of Michigan (without regard to the rules governing conflicts or choice of laws).  They contain the entire understanding and agreement of the parties relating to the subject matter.  In the event that any provision of these terms and conditions is determined to be invalid, unenforceable or otherwise illegal, such provision shall be deemed severed and the remainder of the terms and conditions shall remain in full force and effect.  No term or condition shall be deemed waived, and no breach shall be deemed excused, unless such waiver is in writing and is executed by the party against whom such waiver or excuse is claimed.

 

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