Privacy Policy

01Scope of This Policy

This Privacy Policy applies to information collected through this website. It does not apply to any third-party website, platform, or company you reach by clicking a link on our Site — including the credit-monitoring, credit-bureau, and credit-building companies we feature. Once you leave our Site, the privacy practices of that third party govern any information you provide to them.

02Information We Collect

We collect limited information, both automatically and — for certain offers — directly from you. We do not require you to create an account or submit sensitive financial details (such as a Social Security number, bank account number, or full credit report) on this Site.

Information collected automatically

Information you submit through lead-generation offers

Some featured offers are lead-generation offers — for example, a "free credit score" sign-up. To use these, you submit basic contact information such as your name and email address. Depending on how a particular offer is set up, this information may be collected on a form hosted by the third-party advertiser, or it may be collected or pre-filled through our pages or marketing funnel and then passed to that advertiser so they can deliver the requested service.

When contact details pass through us in connection with a lead-generation offer, we use them only to facilitate and attribute the referral and to comply with our agreements with the advertiser and any applicable law. The advertiser then handles that information under its own privacy policy, which we do not control.

Information you provide voluntarily

If you contact us by email or through a contact form, we collect the information you choose to provide — such as your name, email address, and the contents of your message — so we can respond.

03Cookies & Tracking Technologies

We and our partners use cookies, web beacons, pixels, and similar technologies to operate the Site, understand how it is used, and measure marketing performance. The main categories are:

• Strictly necessary — required for the Site to function and load correctly.
• Analytics & performance — help us understand traffic and how visitors interact with content (e.g. analytics providers).
• Advertising & marketing — set by us or our advertising and affiliate partners to measure campaigns, attribute conversions, and limit how often you see certain content.

You can control cookies through your browser settings and, where offered, through a cookie consent banner on the Site. Disabling some cookies may affect how the Site functions. Where required by law, we obtain your consent before placing non-essential cookies.

04Affiliate & Conversion Tracking

This Site is supported by affiliate marketing. When you click an affiliate link, the destination company and the affiliate network may place a cookie or pass a tracking identifier so that any action you take (such as signing up) can be attributed to our referral. This is how we may earn a commission at no additional cost to you.

For this purpose, we and our partners may process click identifiers, timestamps, the referring page, and your device/browser data. We use this information to confirm referrals, measure which campaigns perform, and detect fraudulent or invalid traffic. We do not receive your account credentials, financial account numbers, or credit report details from these companies.

05How We Use Information

We use the information we collect to:

• Operate, maintain, secure, and improve the Site.
• Understand how visitors find and use our content.
• Measure and attribute affiliate referrals and the performance of our marketing campaigns.
• Facilitate lead-generation offers you choose to use, including delivering your request to the relevant advertiser.
• Detect, prevent, and investigate fraud, abuse, and security issues, including invalid or bot traffic.
• Respond to your inquiries and communicate with you.
• Comply with legal obligations and enforce our Terms & Conditions.

06How We Share Information

We do not sell your personal information for money. We may share information in the following circumstances:

• Service providers — vendors that host the Site, provide analytics, or help us run and measure marketing, acting on our behalf under contract.
• Advertising & affiliate partners — ad networks and affiliate networks that help us attribute referrals and conversions. This may involve sharing device and click data as described in Sections 3, 4, and 7.
• Lead-generation advertisers — when you submit your details to use a lead-generation offer (such as a free credit score sign-up), we pass the contact information you provided to the advertiser operating that offer so they can deliver the requested service. This sharing happens only because you chose to use that offer.
• Legal & safety — when required by law, subpoena, or legal process, or to protect the rights, property, or safety of CreditClarity, our users, or others.
• Business transfers — in connection with a merger, acquisition, financing, or sale of assets, information may be transferred as part of that transaction.

07Sale & Sharing of Personal Information

We do not sell your personal information in the everyday sense of trading your data to unrelated parties for cash. However, US state privacy laws define "sale" and "sharing" broadly, and two of our activities may fall within those definitions:

• Advertising cookies. The use of advertising cookies and the sharing of identifiers with advertising and affiliate partners for cross-context behavioral advertising may be considered a "sale" or "sharing" under laws such as the California Consumer Privacy Act (as amended by the CPRA).
• Lead-generation offers. When you submit your contact details to use a lead-generation offer, we pass that information to the advertiser, and we may receive compensation for the referral. Because compensation is involved, this transfer may also be treated as a "sale" of personal information under some state laws — even though it happens at your request so the advertiser can provide the service you asked for.

You have the right to opt out of this activity. You can do so by:

• Choosing not to submit your information to a lead-generation offer;
• Adjusting the advertising/marketing options in our cookie consent banner (where available);
• Enabling a recognized opt-out signal such as Global Privacy Control (GPC) in your browser; and/or
• Emailing us at privacy@creditclarity.com with the subject line "Do Not Sell or Share My Personal Information."

08Third-Party Sites & Services

The Site contains links to third-party websites and companies, including those accessed through affiliate links. We do not control and are not responsible for the content, privacy practices, or data handling of any third party. Any information you submit on a third-party site (such as when you register for a credit-monitoring service) is governed by that company's own privacy policy. We encourage you to read those policies before providing personal information.

09Data Retention

We retain information only as long as necessary for the purposes described in this policy — for example, to measure marketing performance, maintain security, and comply with legal obligations — after which it is deleted or de-identified. Aggregated or de-identified data that can no longer reasonably be associated with you may be retained for analytics.

10Data Security

We use reasonable technical and organizational measures designed to protect the information we handle. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security. You use the Site at your own risk.

11Your Privacy Rights (US States)

Depending on where you live, US state privacy laws — including those in California, Virginia, Colorado, Connecticut, Utah, and a growing number of other states — may give you the right to:

• Know / access the personal information we have collected about you.
• Delete personal information we hold about you, subject to legal exceptions.
• Correct inaccurate personal information.
• Opt out of the "sale" or "sharing" of personal information and of targeted/cross-context behavioral advertising (see Section 7).
• Non-discrimination for exercising your rights.

To exercise any of these rights, email us at privacy@creditclarity.com. We will verify your request as required by law and respond within the timeframe the applicable law requires. You may use an authorized agent to submit a request on your behalf where the law permits. If we deny a request, you may have the right to appeal by replying to our decision.

12Do Not Track & Global Privacy Control

Some browsers offer a "Do Not Track" (DNT) signal. There is no common industry standard for how to respond to DNT, so we do not currently respond to DNT signals. Where required by law, we do honor recognized opt-out preference signals such as Global Privacy Control (GPC) as a request to opt out of the sale or sharing of personal information.

13Children's Privacy

This Site is intended for adults and is not directed to children under 18. The content concerns adult financial topics and we do not knowingly collect personal information from children under 13 (or under 16 where a higher age applies). If you believe a child has provided us with personal information, contact us at privacy@creditclarity.com and we will take steps to delete it.

14International Visitors

The Site is operated for, and directed at, residents of the United States. If you access the Site from outside the US, you do so on your own initiative and are responsible for compliance with local laws. By using the Site, you understand your information will be processed in the United States, where privacy laws may differ from those of your country.

15Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page, and material changes may be highlighted on the Site. Your continued use of the Site after changes take effect constitutes acceptance of the updated policy.