ABSTRAK(R)® Privacy Policy

This privacy policy applies to www.ABSTRAK.com, a website managed by Credit Spectrum Corporation (collectively “ABSTRAK(R)”). It governs the privacy of its users, sets out the different areas where user privacy is concerned and outlines the obligations & requirements of the users, the website and its owners.

Furthermore, the way ABSTRAK(R) processes, stores and protects user data and information is also detailed below.


The ABSTRAK(R) Platform


ABSTRAK(R) takes a proactive approach to user privacy and ensure that necessary steps are taken to protect the privacy of its users throughout their online experience. ABSTRAK(R) complies with all domestic laws and requirements regarding user privacy.

Use of Cookies

This website may at times use cookies to improve user experience. Where applicable, ABSTRAK(R) uses a cookie control system allowing the user, on their first visit, to allow or disallow the use of cookies on their device.

Cookies are small files saved to the user’s hard drive that track, save and store information about the user’s interactions and usage of the website. This allows ABSTRAK(R), through its server to provide the users with a tailored experience within the site. Users are advised that if they wish to deny the use and saving of ABSTRAK(R)-related cookies to their device’s hard drive, they should adjust their browser’s security settings to block all cookies arising either from ABSTRAK(R) or its external servers. Cookies may also be stored to your computer’s hard drive by external vendors when ABSTRAK(R) uses referral programs, sponsored links or advertising. These cookies are used for conversion and referral tracking and typically expire in 30 days, though some may take longer. No personal information is ever stored, saved or collected.

Please note: ABSTRAK(R) does not use tracking software to monitor its visitors.


Contact & Communication


Users contacting ABSTRAK(R) do so at their own discretion and, provide personal information at their own risk. ABSTRAK(R) utilizes commercially reasonable efforts to protect the privacy of your personal information, although all users of such forum do so at their own risk.

ABSTRAK(R) uses the information that you submit solely to provide you with further information about the products / services ABSTRAK(R) offers or to assist you in answering any questions or queries you may have submitted. This includes using your details to subscribe you to any email newsletter program ABSTRAK(R) operates but only after obtaining your express permission. The statements set forth above do not constitute a comprehensive statement of your user rights in regard to receiving email marketing material.


Email Newsletter


At various times, ABSTRAK(R) may send out email to inform subscribers about new products, updates and services that have become available, or to notify users that bugs have been fixed. In compliance with CAN-SPAM Act of 2003, subscribers are given the opportunity to unsubscribe from email notification at any time through an automated system. This process is detailed at the footer of each email you will receive. If for any reason, the automated system should become unavailable, clear instructions on how to unsubscribe will be detailed at the bottom of the email.

Email notifications are always sent in compliance with the CAN-SPAM Act of 2003. ABSTRAK(R) holds all personal details relating to such notifications securely in accordance with the Federal Trade Commission Act (15 U.S.C. §41-58) and the Children’s Online Privacy Protection Act (15 U.S.C. §§6501-6506). No personal details are ever provided to  third parties or shared with other companies or individuals not employed by Credit Spectrum Corp. and all our communication complies with the various provisions of the Federal Trade Commission Act (15 U.S.C. §§41-58), the Financial Services Modernization Act (Gramm-Leach-Bliley Act) and the Electronic Communications Privacy Act (18 U.S.C. §2510). You may at any time request a copy of personal information held about you by ABSTRAK(R). Your corporate representative may at any time request a copy of corporate information held about your firm by ABSTRAK(R).


External Links


Although ABSTRAK(R) only accesses reputable data sites managed by secure sources, users are advised adopt a policy of caution before clicking any external web links while in ABSTRAK(R). In addition, users accessing ABSTRAK(R) will not be requested to access external sites.

Despite commercially reasonable efforts, ABSTRAK(R) cannot guarantee or verify the contents of any externally-linked website. Users are reminded that they access external links at their own risk. ABSTRAK(R) and/or its agents, representatives, principals and owners cannot be held liable for damages or inconvenience caused by accessing external links on their own, and User waives any and all claims against ABSTRAK(R) its agents, representatives and principals for any and all damages incurred due to their accessing external links.


Advertising and Sponsored Links


ABSTRAK(R) will never contain or even refer to sponsored links or advertising.


Social Media Platforms


ABSTRAK(R) is a self-standing platform that does not rely on any communication, engagement or actions taken through external social media platforms. Any communication with or through an external social-medium platform would have to be initiated by users at their own risk.

Nevertheless, users are advised to use social media platforms wisely and communicate with them with due care and caution in regard to their own privacy and personal details. ABSTRAK(R) will never ask for personal or sensitive information through social media platforms and, instead, encourage users wishing to discuss sensitive or transaction details to contact them through nominally secure communication channels such as telephone or email.