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Privacy Policy

We respect your right to personal privacy, online and off. Our Privacy Policy is designed to provide you with protection and value. And it's written in "plain English." Here are the highlights:

  • We do not sell information about you or your Accounts.
  • When we share information, it is only according to the guidelines described in our Privacy Policy.

Our Privacy Policy will evolve to meet the changing world in which we operate and we invite you to review it at any time.

I invite you to read our Privacy Policy below. If you have any questions or if anything is unclear, please email us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it or contact our customer care line at 919-821-4314.

Culbreth SpiveyPresident, Creations By Culbreth

Privacy Policy

We believe that Privacy is a cornerstone of our customer relationship. In designing our business, we strive to find methods to guard your privacy while affording you opportunities to save time and money.

  • We do not sell information about our customers, their Accounts, or transactions to others for their use.
  • We do not share information about your Accounts or transactions except in the limited circumstances described below.
  • When we do share information it is limited to the information necessary for the particular circumstance and only under strict controls to prevent misuse.
  • We restrict access to the information we obtain about you to only those employees and service providers who need to know that information to comply with the disclosure of information as outlined below.

Collection of Information

We collect customer information from the following sources:

  1. Transaction Information (your transactions with us, and your use of our products);
  2. Correspondence (the information you provide when communicating in writing, online, or by phone with our Customer Service Center, as well as our response and follow-up correspondence with third parties concerning, for example, resolution of disputed transactions);

We use this information to establish and maintain your Account(s), carry out your transactions, provide you with high-quality service, and to help prevent fraud. We may also use this information to confirm your identity when you call us to inquire about your Account(s).


"Cookies" are small computer files that are automatically placed on your computer's hard drive when you are connected to a website or remote server so that the website can recognize you upon your return to the website and tailor your experience based on your earlier use of the site. "Action tags" (also known as Web Beacons, Trackers, or Bugs) are invisible pixel .gif files placed on web pages that are used to track web navigation to those pages.

We use a cookie for each computer that visits our site. The cookie is integral to the customer experience and is necessary to use our online services. It allows us to customize the website presentation based on your Accounts. While cookies, including ours, can be disabled, if you disable our cookie you will not be able to use our website.

Our cookie does not collect information from your hard drive; rather, it allows us to recognize you and know how you navigated through our site. It is also part of our effort to detect and stop fraud.

We also may place web advertisements that link to our site from other websites. The companies that place or "serve" the advertisements use their own cookies, which are different from the cookie on the site on which the advertising appears. The cookies used by the companies that may serve ads for us do not track your name, address, email address, or phone number. The ad server's cookie does recognize your computer and allows the ad server to determine automatically which ads to show you, based on your use of our site, other sites you have visited, and ads you have previously seen and/or responded to. The ad server also uses action tags to understand how a person navigated on our site after responding to one of our banner ads. This information is never linked to an individual and is only used in aggregate with other information generated by visitors to our site. You have the right to elect not to participate in this anonymous tracking of information, which is used to select which ads to display when you visit certain websites. In order to determine your comfort level with these companies' information practices you should review their privacy policies. Click on the advertiser name below to go to its website to learn more about that agency's privacy policy, its use of cookies and action tags, and the options available to you in relation to those cookies.

At present, we do not include advertising on our own website. To the extent we do allow advertisements, we will post a link from our Privacy Policy to the privacy policy of agencies serving the ads. We recommend that you review each site's privacy policy including their use of cookies to understand the site's information handling practices and your options.

Sharing Information

We may disclose information about you to the following types of third parties: service companies (companies that provide us services in order to process transactions, provide statements, maintain our website and provide customer service, including customer contact); affiliates (companies owned by William C Spivey Inc owner,) ; financial service providers (companies with which we partner to process our financial transactions); and credit bureaus, collection agencies, law enforcement regulators and professionals such as lawyers and accountants. Outlined below is the information shared with each type of third party.

i. William C Spivey Inc

William C Spivey Incorporated is a corporation registered in the State of North Carolina that owns Creations By Culbreth.  Information sharing by affiliates may be related to one or more of the following areas: servicing your Account; regulatory and legal compliance; and fraud and loss protection.

ii. Sharing Information with Service Companies

In order to provide quality service, both online and offline, we contract with service providers for essential roles in processing transactions. We may disclose some or all of the information we collect to these processors and service providers but only the information needed to provide the service. Each of our service providers are forbidden to use your information provided by us for any purpose other than providing the service for our customers.

We also share information with collection agencies, lawyers, accountants, auditors, bank regulators, and law enforcement as may be necessary in the administration of your Account or to respond to a legal inquiry or subpoena.


We do not knowingly offer products and services to minors. Similarly, we do not collect information about children.


We are committed to customer service and privacy. If you have any questions, comments, or concerns regarding our Privacy Policy and its implementation, please do not hesitate to email us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it or call us at 919-821-4314.