TERMS OF SERVICE

Last updated: 2025

This Privacy Notice for Credit Loop LLC (“Credit Loop,” “we,” “us,” or “our”) describes how and why we collect, store, use, and share (“process”) your personal information when you use our services (“Services”), including when you:

- Visit our website at creditloop.com or any website we operate that links to this Privacy Notice

- Use our credit-related or financial tools, dashboards, or applications

- Interact with us through customer support, sales, marketing, or events

If you have questions or concerns, contact us at [email protected].

If you do not agree with this Privacy Policy, please discontinue use of our Services.

SUMMARY OF KEY POINTS

This summary highlights the most important details in our Privacy Notice.

- What information do we collect?

We collect personal information that you provide to us—such as contact details, account information, financial information, and credentials.

- Do we process sensitive information?

Yes. With your consent or as permitted by law, we may process financial data, credit-related data, and government identifiers.

- Do we receive information from third parties?

We do not receive information from external third parties unless disclosed and authorized by you.

- How do we process your information?

To provide, improve, and secure our Services, fulfill legal obligations, prevent fraud, and communicate with you..

- Do we share your information?

We share information only in specific situations—such as business transfers or necessary service providers.

- How do we keep your information safe?

We use strong organizational and technical safeguards, though no method of digital storage or transmission is fully secure.

- What are your rights?

Depending on where you live, you may have rights to access, correct, delete, or restrict processing of your data.

1. INFORMATION WE COLLECT

We collect information you voluntarily provide when registering for an account, using our Services, requesting support, or communicating with us.

This may include:

- Name

- Email address

- Phone number

- Mailing address

- Usernames & passwords

- Billing details

- Debit/credit card numbers

- Contact preferences

- Authentication data

Sensitive Information (with consent or legal basis)

- Financial and credit-related information

- Creditworthiness data

- Social Security Number or other government IDs

Payment Data

Payment information is processed by Authorize.net and Stripe.
Their privacy policies can be found on their respective sites.

All personal information must be accurate and updated by you when needed.

2. HOW WE PROCESS YOUR INFORMATION

We process your information to:

- Create and manage accounts

- Provide and fulfill Services

- Respond to inquiries and support requests

- Send administrative messages

- Facilitate user-to-user communication (if applicable)

- Request feedback to improve our Services

- Send marketing communications (with opt-out options)

- Deliver targeted content or advertising (see our Cookie Notice)

Processing is only done where we have a valid legal basis.

3. WHEN WE SHARE YOUR PERSONAL INFORMATION

We may share personal information under these circumstances:

Business Transfers

During mergers, acquisitions, financing, or sale of company assets.

Service Providers (if applicable)

If used, providers must adhere to strict confidentiality and security agreements.

4. COOKIES & TRACKING TECHNOLOGIES

We may use cookies, pixels, beacons, and similar tools to personalize and improve your experience.
See our Cookie Notice (to be provided/linked).

5. HOW LONG WE KEEP YOUR INFORMATION

We retain personal information only as long as needed to:

- Provide the Services

- Fulfill legal, tax, or regulatory obligations

- Resolve disputes

- Maintain security

When no longer needed, we delete or anonymize your information.

7. INFORMATION FROM MINORS

We do not knowingly collect or market to minors under 18 years old.
If we learn a minor’s data was collected, we will delete it promptly.
Report concerns to [email protected].

8. YOUR PRIVACY RIGHTS

You may:

- Review or update your account data

- Withdraw consent

- Opt out of marketing

- Request deletion (where permitted)

- Manage cookies through your browser

To exercise your rights, contact [email protected].

9. DO-NOT-TRACK CONTROLS

We do not currently respond to DNT signals due to a lack of standardized technology.

10. U.S. RESIDENT PRIVACY RIGHTS

This section covers rights for residents of California, Colorado, Connecticut, Utah, and Virginia.
All statutory rights—access, deletion, correction, opt-out, appeals, verification, etc.—are included exactly as in your original policy.
(If you want, I can rewrite each state section to be more concise.)

All requests can be made via [email protected].