Its Applications By L C Thomas Hot

WBS Schedule Pro (PERT Version) Demo

By sending us your name and email you agree with our Privacy Policy

PRIVACY POLICY

Critical Tools, Inc. is committed to protecting your privacy. This Statement of Privacy applies to all Critical Tools, Inc. Web sites and governs data collection and usage at all Critical Tools, Inc. sites and services; it does not apply to other online or offline sites, products or services. Critical Tools, Inc. (criticaltools.com) is a general audience web site, intended for users of all ages. Personal information of all users is collected, used and disclosed as described in this Statement of Privacy.

COLLECTION OF YOUR PERSONAL INFORMATION

As an E-commerce Web site, Critical Tools, Inc. collects personal information, such as your e-mail address, name, address or telephone number. Critical Tools, Inc. may collect information about your computer hardware and software for statistical purposes to assist us with developing website solutions that will work with our customer’s hardware and software.

Critical Tools, Inc. encourages you to review the privacy statements of Web sites you choose to link to from Critical Tools, Inc. so that you can understand how those Web sites collect, use and share your information. We are not responsible for the privacy statements or other content on Web sites outside of the Critical Tools, Inc. Web site.

USE OF YOUR PERSONAL INFORMATION

Critical Tools, Inc. and its operational service partners collect and use your personal information to process product orders and deliver the products requested. It is possible that Critical Tools, Inc. may also use personal information to inform you of other products, send occasional product-oriented newsletters or inform you of services available from Critical Tools, Inc. and its affiliates. Critical Tools, Inc. may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Critical Tools, Inc. does not sell, rent or lease its customer lists to third parties. Critical Tools, Inc. may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your personal information (e-mail, name, address, telephone number) is not transferred to the third party.

We occasionally hire other companies to provide limited services on our behalf, such as handling the processing and delivery of mailings, providing customer support, processing transactions, or performing statistical analysis of our services. We will only provide those companies the personal information they need to deliver the service. They are required to maintain the confidentiality of your information and are prohibited from using that information for any other purpose.

Critical Tools, Inc. does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

Critical Tools, Inc. may access and/or disclose your personal information if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Critical Tools, Inc. or the site; (b) protect and defend the rights or property of Critical Tools, Inc., including its Web site; or (c) act under exigent circumstances to protect the personal safety of users of Critical Tools, Inc. or the public.

Personal information collected on this site may be stored and processed in the United States or any other country in which Critical Tools, Inc. or its affiliates, subsidiaries or agents maintain facilities, and by using this site, you consent to any such transfer of information outside of your country. Critical Tools, Inc. abides by the safe harbor framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of data from the European Union.

CONTROL YOUR PERSONAL INFORMATION

Critical Tools, Inc. offers its customers choices for the collection, use and sharing of personal information. You may go notify us of your preferences by emailing support@criticaltools.com.

Please be sure to provide complete account information so we can identify you in our records.

You may also stop the delivery of future promotional e-mail from Critical Tools, Inc. by responding directly to any email you receive with a request to remove you from the mailing list.

SECURITY OF YOUR PERSONAL INFORMATION

Critical Tools, Inc. is committed to protecting the security of your personal information. We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. For example, we store the personal information you provide on computer systems with limited access that are located in controlled facilities. When we transmit highly confidential information (such as a credit card number) over the Internet, we use a secure payment gateway so your information is protected.

CHANGES TO THIS STATEMENT

Critical Tools, Inc. will occasionally update this Statement of Privacy to reflect company and customer feedback. If there are material changes to this Statement or in how Critical Tools, Inc. will use your personal information, Critical Tools, Inc. will prominently post such changes prior to implementing the change. Critical Tools, Inc. encourages you to periodically review this Statement to be informed of how Critical Tools, Inc. is protecting your information.

Last Updated: January 2, 2017

WBS Schedule Pro (WBS Version)

The WBS Schedule Pro (WBS Version) software is the same software as WBS Schedule Pro with the same overall features and the same user interface. The only difference is that the Network Chart and Gantt Chart features have been disabled. If you only need to plan and manage your projects using WBS Charts then this is a great low price alternative to the complete WBS Schedule Pro package.

WBS Schedule Pro (PERT Version)

The WBS Schedule Pro (PERT Version) software is the same software as WBS Schedule Pro with the same overall features and the same user interface. The only difference is that the WBS Chart and Gantt Chart features have been disabled. If you only need to plan and manage your projects using Network Charts then this is a great low price alternative to the complete WBS Schedule Pro package.

Computer Name

Computer Name is only listed if the software was registered using version 5.1.0021 or later.

WBS Schedule Pro version 5.1.0021 was released on May 10, 2017.

If you have this version or a later version installed and wish to see the Computer Name in this form, you must Un-register and Re-register the software by starting the software and selecting File-Unregister and then File-Register.

Last Updated: May 10, 2017

WBS Version Explained

WBS Schedule Pro (WBS Version) is the same software as WBS Schedule Pro with the same overall features and the same user interface. The only difference is that the Network Chart and Gantt Chart features have been disabled. If you only need to plan and manage your projects using WBS Charts then this is a great low price alternative to the complete WBS Schedule Pro package.

If you are a former WBS Chart Pro* user looking for a direct upgrade or simply do not have a need for Network Charts or Gantt Charts then this product is for you.

*WBS Chart Pro was our flagship product for over 20 years. In 2014, WBS Chart Pro was combined with our other former product, PERT Chart EXPERT, to produce the all new WBS Schedule Pro software. Subsequently, the WBS Chart Pro software was retired and is no longer available.

WBS Chart Pro users – The WBS Chart Pro features you have become accustomed to plus much more are now a part of WBS Schedule Pro!

Last Updated: May 10, 2017

Account Details and Benefits

Account Details

When you create an account we will use the information in the current order to generate an account number and setup your account. Upon the completion of your order you will receive an email containing your account password and instructions for accessing the Customer Portal.

Benefits

Some of the benefits of having an account are:

View all orders placed on or after January 1, 2016
Display your Purchase Codes
See a list of Registered Users
Store your ordering information to pre-fill future orders

Note: For security purposes, your credit card information is not stored with your account information. In fact, we never see your credit card data or have access to it. As is common in the industry, your credit card information is passed through a secure gateway directly to the credit card processor when you place an order on our site. Your credit card data is always safe when you shop with us!

License Transfer

To transfer a license, start a registered version of WBS Schedule Pro and select File-Unregister. This puts the license back so it can be registered elsewhere.

In the event that the software is no longer available due to a hard drive failure, re-format, or re-image, contact us with the User Name or Computer Name. We will then reset that license here so you can register again.

Remember: Uninstalling the software does not Unregister the software!

Last Updated: May 10, 2017

Manage all orders with your new account

If you have ordered online from us in the past but never created an account, creating an account now will allow us to associate all orders (made on or after March 7, 2017) with this new account for easier management of orders, purchase codes (coming soon) and registered users (coming soon).

If your previous orders (made on or after March 7, 2017) were made with the same email address that you are using to make your current order, we will automatically associate these old orders with your new account.

If different email addresses were used for your previous orders other than the one on your new account, please send an email to with the following information:

Your new account number.
The email address used to create your new account.
Email addresses used on any previous orders.

We will then associate your previous orders with your new account and send you a confirmation.

Once your account is created and your old orders are associated with this new account, you will be able to manage all orders (made on or after March 7, 2017), all purchase codes (coming soon) and all registered users (coming soon) from your previous orders, current order and all future orders.

AI-driven collections strategies that decide when to send a text, call, or offer a hardship plan based on predicted state transitions.

The shift from product ownership to subscription models (Netflix, SaaS, BNPL) has created a need for real-time credit assessment. A credit score from 6 months ago is useless for a "Buy Now, Pay Later" (BNPL) transaction happening in 3 seconds.

: The ongoing relationship. Once a customer is on the books, these models track their actual payment behavior to adjust credit limits or target marketing efforts. Key Concepts and Methodologies

, written by Lyn C. Thomas, Jonathan N. Crook, and David B. Edelman and published by the Society for Industrial and Applied Mathematics (SIAM) , is widely recognized as the foundational text on consumer credit risk modeling. Often referred to by financial professionals as the "bible of credit scoring," this seminal textbook bridges the gap between complex mathematical theory and the operational strategies used by modern lenders.

Thomas, Crook, and Edelman evaluate the statistical methods and operations research techniques used to build credit scorecards, mapping out their distinct advantages and mathematical challenges. Logistic Regression and Weight of Evidence (WoE)

Recent advances in credit scoring include the use of:

The book is published by the Society for Industrial and Applied Mathematics (SIAM) . It covers the statistical rules, history, and real-world tools used to judge if someone can repay a loan. What is Credit Scoring?

, written by Lyn C. Thomas, David B. Edelman, and Jonathan N. Crook , stands as the industry bible for consumer credit risk modeling. Published by the Society for Industrial and Applied Mathematics (SIAM) , this foundational text bridges the gap between complex operational research and the real-world financial systems used by lenders worldwide.

Credit scoring typically involves assigning a numerical score to an individual or business based on their credit history and other relevant factors. The score is then used to predict the probability of default (PD) or the likelihood of repayment. The most widely used credit scoring model is the FICO score, which takes into account factors such as payment history (35%), credit utilization (30%), length of credit history (15%), credit mix (10%), and new credit (10%).

We take the security of your personal and financial data very seriously!

Our entire site uses the latest security and encryption technologies to safeguard the transmission and storage of your data and creating an account does not store your credit card information on our website.

In fact, when placing credit card orders on the Critical Tools Store, your credit card information passes through a secure, encrypted gateway directly to the credit card processor. It is never seen by us, is never stored by us and is always safe.

REFUND POLICY

Critical Tools will refund your purchase within 30 days provided that the software has not been registered. Once the software is registered, all purchases are considered final and non-refundable.

Last Updated: January 2, 2017

Its Applications By L C Thomas Hot | Credit Scoring And