Credit Consult and our affiliated companies (collectively, “Company,” “us,” “we,” or “our”) are committed to respecting your (“you” or “your”) online privacy. This Privacy Policy outlines our privacy practices in connection with your access to or use of our websites, services, applications, and advertising, such as emails and newsletters (collectively, the “Service”). By accessing or using our Service, you acknowledge you have read, understood, and agree to be bound to our terms, including this Privacy Policy.

Who are we?
Credit Consult is an informational website that connects consumers with third party service providers. We may earn revenue from our clients and partners for clicks, referrals, calls, and services delivered. Please note that we are a referral service, we do not sell or buy lead form data or lead lists, and do not provide or sell products and services directly.

Generally, and as outlined below, Company collects your personal identifying information when you provide it, such as via a request form, so that we can contact you directly and connect you with a provider to fulfill your request, and for follow-up communications. We also collect routine device and other data, and we use data to deliver advertisements that may be of interest to you.

What does this Privacy Policy cover?
This Privacy Policy outlines how we collect, use, and disclose information. Unless otherwise expressly stated, this Privacy Policy does not apply to any third-party practices, websites, or services, including of our clients or affiliates, whether or not referenced in our Service. Each third party will have its own privacy practices and policies, which you should review before using them.

How do we collect and use information?
When you contact us, including by filling out a request form on our website, we collect the information you provide, such as your first and last name, phone number, email address, city, and zip code. Like many companies, we also collect Internet and device information, such as from cookies and other automated technologies, when you browse our website.

We collect all of this information for our business purposes, namely to provide and improve our Service, including to connect you with services and providers that satisfy your request for information. Part of these business purposes includes compliance with applicable laws, such as responding to legal requests, enforcing this Privacy Policy and our rights, and protecting others and our Service. We may also use data to personalize your experience and communications, for security purposes, to protect against harmful activity, for debugging for functionality, auditing interactions, and internal research, and otherwise with your consent.

In addition, we collect information for commercial purposes, such as for marketing offers. For example, we collect device and other data for marketing and sales efforts to better target advertisements and other content in an effort to create a more personally relevant experience. The information is also used to predict responses to advertisements and to help determine which ads perform best and which content is most appropriate for different individuals. We may also use data for follow-up communications. In particular, by providing your contact information to Company through the Service, you consent to receive emails, calls, and text messages from Company regarding your request and other advertising messages. Providing consent is NOT a condition of purchasing any goods or services. Your information may be combined with information collected from other sources to assist with targeting ads to your preferences and behaviors and for other Company sales and marketing efforts.

We use information for the same reasons that we collect it. For example, we use information for business purposes, such as running our website and providing information that you request, as well as commercial purposes, such as advertising to you after you leave our website.

More specifically, we collect the following information and use it for the referenced purposes.

Category	Examples of Data Collected	Collection Point	Purpose for Collection and Use
Identifiers and Background	Contact Information, such as name, phone number, and email address. Personal Background, such as requests for consultation and quotes.	We collect this information when you provide it, such as when you fill out a request form. We may also collect data from third parties, to append to the information you’ve provided.	We collect and use data for all business purposes, such as providing and improving our Service, responding to communications, and for security and auditing purposes. We may also collect and use your contact information to market relevant offerings to you.
Commercial Data	Transactions, such as products or services considered, or purchasing tendencies. Inferences, such as creating a profile relating to consumer preferences and trends.	We collect this information when you provide it, such as when you request for a referral. We may also collect information from third parties to help with responding to your requests.	We collect and use data for all business purposes, such as providing and improving our Service, responding to communications, and for security and auditing purposes. We may also use inference information to market offerings of interest to you.
Device Data	Internet and Network Data, such as browsing history, search history, and information regarding an interaction with a website, application, or advertisement. See below for more information about cookies and other tracking technologies. Geolocation, such as from an IP address.	We collect this data through cookies and other automated technologies. For example, like many companies, we automatically gather information about your device, such as your IP address, browser type, and operating system. For more information on these practices, see below.	We collect and use data for all business purposes, such as providing and improving our Service and for security and auditing purposes. We may also use data to market offerings of interest to you. Further, we may use geolocation data to provide offers relevant to your general location.
Non-Personalized Data	Public, Aggregate, De-Identified, and/or Pseudonymized Information	We may collect this information at any time, from public, third party, and other sources.	We may collect and use this data for any business or commercial purposes. For example, we may use aggregate data for analytics.

When do we disclose information?
As part of our business, we disclose information as follows and for the outlined purposes, which include our business purposes to provide and improve the Service and comply with legal and contractual obligations, as well as commercial purposes, such as to market our business.

• Clients and Related Providers. We share your information as applicable to fulfill your request for information. For example, if you submit a request form or call us about a consultation, we might share your information with third-party service providers to complete your request.

• Company Parties; Merger or Sale. We may share information with affiliated companies that are related to us under a common ownership where they comply with this Privacy Policy. Such disclosure is for our business purposes, including to provide and improve our offers. Further, we may share information as part of a sale, merger, acquisition, or other change in control or entity status, either in whole or in part. We reserve the right to transfer or assign your information as part of any such transaction or investigation.

• Service Providers and Contractors. We share information with service providers that allows us to provide and improve the Service. Service providers only use your information for a contracted-business purpose. Such disclosure is for our business purposes, in particular to provide you with the Service. We may likewise share information with “contractors” that are not service providers but to whom we disclose information for a business purpose. Such disclosure is for business purposes of providing you with products and services that you have requested or considered.

• Cookies/Device Data. For more information about our use of cookies and other technologies, see further below. Such disclosure is for our business purposes, in particular to provide you with the Service, as well as commercial purposes, such as to market to consumers that may be interested in our Service or related offers. Company may also contract with third-party advertising companies to serve ads on our behalf. These companies may use cookies or other measures to collect non-identifier information.

• Legal Process and Protection. We may disclose information as necessary to comply with our legal obligations, such as to respond to government requests, law enforcement inquiries, legal processes, subpoenas, and court orders. We may disclose information when we believe it is necessary to investigate, prevent, or respond to illegal, fraudulent, or injurious actions or security incidents that may cause harm to us, the Service, or others. We may also disclose information in good faith where necessary to investigate or enforce a violation of this Privacy Policy, our terms, or any legal rights.

• Third Parties. We may disclose contact, device, commercial, aggregate, and other information to third parties not described above, such as affiliates who provide substantially similar services as the original service about which you requested more information. For example, we may choose to disclose contact information so that a relevant third party can contact you or other data that Company or a third party could use for targeted advertising. Such disclosure facilitates our Service as well as marketing purposes. If you wish to opt-out, follow opt-out instructions or contact us, and see below.

• Consent. We may disclose information as requested or consented to by you. Such disclosure may be for any business or commercial purpose as described to you.

How do we use cookies and similar technologies?
As with many companies, we may use cookies, pixels, gifs, web beacons, log files, and/or similar technologies to automatically collect certain information when you use the Service or interact with our digital media content, such as when you visit our website. This allows us to track individual users, determine when content is accessed, and customize user experiences. For example, unless you have opted out of cookies or changed your cookie settings in your internet browser, your browser automatically sends us certain device, browser, internet connection, and general geolocation information and certain internet activity information. For instance, we may collect your mobile device identifier or MAC address, ISP carrier information, date and time you access the Service, the pages you visit, and whether you click on ads. You can change your cookie settings in your internet browser and use settings on your device to manage your privacy controls. For more information and ways to opt out, see https://www.allaboutcookies.org/, and learn how to disable these tools by opting-out of third-party cookies and mobile device ID practices.

As part of our practices, we may use third-party advertising companies to display ads tailored to your individual interests based on your online activity and to provide ad-related services such as analytics and market research. Third parties, in turn, may use a cookie, web beacon, or other similar technology to collect information. To opt-out of cross-device linking, visit www.aboutads.info/choices or perform a global opt-out on each browser and device.

In particular, we may use Google cookies and tools, such as Google Analytics and in certain cases Google Maps, for analytics and advertising and to improve the user experience, and your information may be shared with Google; for more information, visit the Google Cookie Policy, Google Analytics Opt-Out Browser Add-On, or Ads Settings. We may also use Meta and other cookies for the purposes stated above, and your information from cookies may be shared with Meta; for more information visit the Meta/Facebook Cookie Policy.

Please note that there are different types of cookies and related technologies, which may be placed by us or third parties, including essential cookies that are required to display and provide the Service; preference cookies that are used to store preferences and improve user experience; analytics cookies to determine how the Service is used and which often collect non-personalized information; and marketing cookies to deliver personalized and targeted advertisements that may be of interest to you and others and which are used for business purposes for advertising to those that visit the Service and commercial purposes for marketing to others.

Do we sell or share information?
We do not “sell” your submission form details, rather, if you are connected with a third-party provider, the third party will collect information from you directly.

Company may participate in targeted ads, also called interest-based or online behavioral advertising, which may include cross-context behavioral advertising. Under some privacy legislation, if applicable to you and Company, the use of certain types of cookies and technologies may constitute selling or sharing of device or technical information, such as for business purposes (e.g., providing our Service) and commercial purposes (e.g., to provide marketing tailored to your inquiries and to provide services to you).

To opt out of these practices, contact us as outlined below and on our website

How do we protect and transfer information?
Consistent with others in our industry, we take efforts to employ technical, administrative, and physical security measures for personal information, taking into account reasonable security procedures and accessible technology. However, no system can be completely secure; and we cannot promise, and you should not expect, that your personal information will always remain secure. Your provision of personal information is at your own risk. The safety and security of your information also depends on you. Take steps to safeguard your passwords and other data, and notify us as soon as possible if you believe your security has been breached.

If you are visiting the Service from a location outside of the United States, your connection will be through and to servers located in the United States, and all information you provide will be processed and maintained in our web servers and internal systems located within the United States. By using the Service, you authorize and specifically consent to the transfer of personal data to the United States and its storage and use as specified in this Privacy Policy.

How long do we retain information?
We retain personal information for the length of time necessary to fulfill the purposes outlined in this Privacy Policy, unless a different retention period is requested by you or required or permitted by law. For example, we will retain your personal information for as long as it is needed to provide you with the Service or fulfill a legal or contractual obligation. We may also aggregate, deidentify, or anonymize personal information as applicable for use in analytics, such as to analyze trends over periods of time without specifically identifying you.

We use the following criteria to determine how long we retain personal information: (a) our relationship with you, such as if there is an open request, (b) legal obligations to retain personal information for certain purposes, and (c) other obligations or considerations relating to the retention of data, such as contract requirements, investigations, or statutes of limitation.

What are your privacy rights?
We value consumer privacy rights and strive to provide flexibility with how your personal data is used and shared. If you want to make a privacy request or have any questions, please contact us as outlined below with your full name and email address, phone number, or other identifier used in connection with our Service, and the name of the service for which information was provided or requested, so that we can verify your request. If an authorized agent is making a request on your behalf, the agent should provide its name and contact information, such as an email address, in addition to your information. There may be situations where we cannot grant your request, for example if you make a request and we cannot verify your identity, or if you request deletion of data but we have a legal obligation to keep your personal information. Where we deny your request in whole or in part, we will take steps to inform you of the denial and provide an explanation of our actions and the reasons for the denial.

Applicable privacy laws have different requirements and depend on various factors, such as where you live and how much revenue or data is at issue. Generally, we adhere to the following set of privacy rights to the extent applicable and subject to any limitations authorized by law.

• Access.
  You can access and obtain your data and ask us for certain information, including the categories of personal information collected and used, the categories of the sources of data, the business or commercial purposes for collecting, referring, or sharing data, the categories of third parties to whom data is disclosed, and the specific pieces of personal information collected. You also have a similar right to data portability.

• Amend.
  You can amend, correct, or rectify your data if it is inaccurate.

• Delete.
  You can have your data deleted subject to certain legal limitations.

• Limit.
  You can limit the processing of your data, in particular any sensitive data, and limit use of automated decision-making, such as profiling.

• Opt-Out.
  You have the right to opt-out of certain data practices. For example, you can unsubscribe from marketing communications by following the opt-out instructions in each message or by contacting us as outlined in this Privacy Policy (we may still send non-marketing messages). See also the Do Not Sell/Share and informational links above.

• Complaints.
  You have the right to make certain complaints, including for privacy concerns. We value your feedback and seek the opportunity to work with you on any issues. You have the right to no discrimination for asserting your privacy rights.

• Specific State Laws.
  Several states have enacted privacy laws that may apply to you, depending on the circumstances. For example, the California Consumer Privacy Act (“CCPA”), updated by the California Privacy Rights Act (“CPRA”), governs certain California-related conduct. Under California’s “Shine the Light” law, California residents may also request certain information regarding disclosure of personal information to third parties for their direct marketing purposes. Further, if you are a California resident under the age of 18, California Business & Professions Code Section 22581 permits you to request and obtain removal of content you have publicly posted. Please note that such a request does not ensure complete or comprehensive removal of public content.

• European Laws.
  Generally, residents of the European Economic Area (“EEA”) have the right to access information we hold about you and to ask that your information be corrected, updated, or erased, and the right to object to, or request that we restrict, certain processing of your information. Our legal basis for collecting and using your personal data is your consent, performance of a contract, or where the collection and use is in our legitimate interests and not overridden by your data protection interests or fundamental rights. You may withdraw your consent to our collection and use of your personal data. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your information used in reliance on lawful processing grounds other than consent.

• Other Laws.
  If certain other privacy laws apply to you that afford you with additional rights, please contact us to make a request, as we strive to comply with all privacy rights.

Do we collect information about children?
No, we do not knowingly collect any personal information about children under the age of 13. If we obtain actual knowledge that we have collected such information, we will delete it from our database. We have no such information to use or to disclose to third parties or to otherwise report, including under the Children’s Online Privacy Protection Act (“COPPA”). We do not have actual knowledge of selling or sharing the personal information of consumers under the age of 16.

How do we use or disclose sensitive information?
We do not generally use or disclose “sensitive” personal information, nor do we use sensitive information for purposes other than those specified in the CPRA, which provides for the following uses without additional disclosures where the information is reasonably necessary and proportionate to the use: (a) to perform certain services, such as verifying information or for analytics, (b) to verify or maintain the quality or safety of our Service, (c) to perform services or provide goods reasonably expected, (d) for short-term, transient use where there is no disclosure or profiling, and (e) to resist malicious, fraudulent, or illegal actions or to ensure physical safety.

Do we offer financial incentives for your data?
We may offer incentives related to the collection, retention, or sharing of information that may be deemed a “financial incentive” or “price or service difference.” If you opt in to such an offering pursuant to the terms described at the time of signup, we may collect information such as name and email address, commercial information and preferences, internet or other network activity, and device information. Any difference in price or rate, such as a discount, will be reasonably related to the value of the data. If you want to withdraw from the offering, please contact us.

What is the “refer a friend” feature?
Parts of Company's Service may offer you the opportunity to easily notify a friend of the offer or information promoted on the website. If you choose to use our referral service, we will ask you for your friend's information, including name and email address. We will automatically send your friend a one-time email invitation to visit the website. Company stores this information for the sole purpose of sending this one-time email and tracking the success of our referral program. Your friend may contact us to request that we remove this information from our database.

Do we respond to Do Not Track (DNT) Signals?
No, our Service does not currently respond to DNT requests. DNT is a feature that, when enabled, sends a signal to websites to request that your browsing is not tracked.

How do we update this Privacy Policy?
We will update this Privacy Policy periodically, when our privacy practices change, or as otherwise required or permitted by law. Each time you use the Service, the current version of this Privacy Policy will apply. Unless we receive your express consent, any revised Privacy Policy will apply only to information collected after the effective date of such revised Privacy Policy.

Credit Consult
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Privacy requests (including Cancel Request, Do Not Call or Do Not Share My Personal Information), requests to revoke consent, and/or to cancel a previous request can be made here.