Privacy Policy

1. Introduction

Credit Coach ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our credit analysis and improvement services ("Service").

2. Information We Collect

We collect the following types of information:

• Personal Information: Name, email address, phone number, date of birth, Social Security number (for credit report retrieval), and mailing address.
• Credit Information: Credit report data retrieved with your authorization from the three major credit bureaus.
• Payment Information: Billing details processed through our secure third-party payment processor. We do not store full credit card numbers on our servers.
• Usage Data: Information about how you interact with our Service, including pages visited, features used, and device information.

3. How We Use Your Information

We use your information to:

• Provide, maintain, and improve our Service.
• Analyze your credit report and prepare dispute letters on your behalf.
• Generate personalized credit improvement recommendations.
• Process payments and manage your subscription.
• Communicate with you about your account and our Service.
• Comply with legal obligations.

4. Information Sharing

We do not sell your personal information. We may share your information with:

• Credit Bureaus: To retrieve your credit report with your authorization and to submit disputes on your behalf.
• Service Providers: Third-party companies that assist us in operating our Service, such as payment processors and hosting providers, subject to confidentiality obligations.
• Legal Requirements: When required by law, regulation, or legal process.

5. Data Security

We implement industry-standard security measures including AES-256 encryption for data at rest, TLS encryption for data in transit, access controls, and regular security audits. While we strive to protect your information, no method of electronic storage or transmission is 100% secure.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide the Service. After account closure, we retain data only as required by law or for legitimate business purposes. You may request deletion of your data at any time by contacting us.

7. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of your personal information.
• Opt out of certain data processing activities.
• Receive a copy of your data in a portable format.

To exercise these rights, contact us at support@creditcoach.cc.

8. Cookies and Tracking

We use essential cookies to operate the Service and analytics cookies to understand how our Service is used. You can control cookie preferences through your browser settings. Disabling certain cookies may affect the functionality of the Service.

9. Children's Privacy

Our Service is 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 collected information from a child, we will take steps to delete it.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website and updating the "Last updated" date.

11. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us at support@creditcoach.cc.