1. Information We Collect

We collect different types of information from you depending on how you interact with our services:

• Personal Information: This includes any data that can be used to identify you personally, such as your name, email address, phone number, date of birth, address, and any other information you provide to us.
• Financial Information: To generate credit scores, we may collect information about your financial status, credit history, loan information, and other relevant data.
• Technical Data: This includes your IP address, browser type, device information, and usage details about how you interact with our website and services.
• Other Data: We may collect additional information if you submit forms, participate in surveys, or interact with customer support.

2. How We Use Your Information

We use the information we collect for the following purposes:

• Credit Score Generation: To provide personalized FICO-based credit scores and other financial services.
• Service Improvement: To enhance our services, improve user experience, and conduct analytics.
• Communication: To send you important updates, marketing materials, and service-related information.
• Security: To protect our systems, detect and prevent fraud, and ensure the integrity of our services.
• Legal Compliance: To comply with any applicable laws, regulations, or legal processes.

3. How We Share Your Information

We do not sell or rent your personal information to third parties. However, we may share your information under the following circumstances:

• Service Providers: We may share information with third-party vendors, consultants, and other service providers who perform tasks on our behalf, such as payment processing, data analytics, or customer support.
• Legal Requirements: We may disclose your information if required to do so by law, court order, or in response to a governmental request.
• Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our business, your information may be transferred as part of that transaction.
• With Your Consent: We may share your information for other purposes if you provide explicit consent.

4. Data Security

We take the security of your personal information seriously and implement appropriate technical and organizational measures to safeguard your data. However, no method of transmission over the internet or electronic storage is entirely secure, and we cannot guarantee absolute security.

5. Data Retention

We will retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. Once your information is no longer needed, we will securely delete or anonymize it.

6. Your Rights

Depending on your jurisdiction, you may have certain rights regarding your personal information, including:

• Access: The right to request a copy of the information we hold about you.
• Correction: The right to request corrections to any inaccurate or incomplete information.
• Deletion: The right to request the deletion of your personal information in certain circumstances.
• Objection: The right to object to the processing of your personal information for specific purposes.
• Data Portability: The right to request that we transfer your personal information to another service provider.

To exercise these rights, please contact us at the email address provided below.

7. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to improve your experience. Cookies are small files placed on your device to collect information about your usage patterns. You can choose to block or disable cookies through your browser settings, but this may limit your ability to use some features of our website.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those external sites. We encourage you to read their privacy policies before interacting with their services.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected such information, we will take steps to delete it.

10. Changes to This Policy

We reserve the right to modify or update this Privacy Policy at any time. Any changes will be posted on this page with an updated "Effective Date." Your continued use of our services after the changes take effect will constitute your acceptance of the revised policy.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us at: