Privacy Policy

1) Scope & Definitions

This Policy applies to information processed by CreditRepairGPT when you access or use our Services, visit our website, engage with our communications, or interact with us in any other way.

• Personal Information means any information that identifies, relates to, describes, or could reasonably be linked with an individual.
• Sensitive Personal Information includes, for example, financial account numbers, government IDs, and precise geolocation.
• Processing means any operation performed on information, such as collection, use, sharing, storage, or deletion.

2) Information We Collect

We collect information in three ways: directly from you, automatically from your device/browser, and from third parties (e.g., analytics or service providers you connect).

A. Information you provide

• Account & Contact: name, email, phone, and preferences.
• Credit & Financial Inputs: information you choose to upload or enter (e.g., credit report data from bureaus or user-provided documents), disputes you initiate, and outcomes you track.
• Support & Communications: messages, call notes, survey responses.

B. Information collected automatically

• Usage data: pages viewed, links clicked, features used, time on page, referring/exit pages.
• Device/Technical: IP address, browser type, OS, device IDs, language, general location derived from IP.
• Cookies & similar tech: described below in “Cookies.”

C. Information from third parties

• Service providers: analytics, email delivery, customer support, cloud hosting.
• Credit & fintech partners (if you connect): with your authorization, we may receive credit-related information or updates to support the functionality you request.
• Public sources: to verify information or enhance data accuracy.

3) How We Use Information

• Provide & improve the Services: account creation, feature delivery, troubleshooting, quality assurance, research and development.
• Credit workflows you request: generating dispute drafts, tracking outcomes, forecasting credit impacts you ask us to model.
• Communications: service messages, updates, security alerts, and (with your consent where required) marketing.
• Personalization: tailor content, recommendations, and offers.
• Security & fraud prevention: detect, prevent, and respond to incidents.
• Compliance: enforce terms, comply with laws and lawful requests.

Legal bases (EEA/UK): consent, contract performance, legitimate interests (e.g., product improvement, security), and/or compliance with legal obligations.

4) AI, Automated Decisions & Profiling

We use machine learning and automation to power features such as document analysis, dispute-draft generation, recommendation ranking, and predictive modeling you ask us to run. Automated outputs are intended to assist you and are not a substitute for professional advice. You may opt out of non-essential personalization by contacting us at hello@creditrepairgpt.com. Where required by law, we will provide information about logic involved and potential effects and will honor requests to obtain human review.

5) Cookies & Tracking Technologies

We use cookies, pixels, and similar technologies to operate our Services, remember preferences, analyze traffic, and measure campaigns. You can manage cookies in your browser settings or via any cookie banner provided. Disabling certain cookies may reduce functionality.

6) How We Share Information

• Vendors/Processors: cloud hosting, analytics, communications, customer support, security, payment processing—bound by contracts to process only on our instructions.
• Partners you connect: credit bureaus or fintech tools at your request.
• Corporate transactions: in a merger, acquisition, or asset sale, information may be transferred consistent with this Policy.
• Legal & safety: to comply with law, protect rights, security, or prevent harm.

We do not sell your Personal Information for money. Some laws define “sale” or “share” to include certain analytics or advertising uses; where applicable, you may opt out by contacting us.

7) Data Security

We implement administrative, technical, and organizational safeguards designed to protect information, including encryption in transit, access controls, and monitoring. No method of transmission or storage is 100% secure; we cannot guarantee absolute security, but we continuously improve our protections.

8) Data Retention

We retain information for as long as necessary to provide the Services, comply with legal obligations, resolve disputes, enforce agreements, and for security and fraud-prevention. When no longer needed, we take steps to delete or de-identify information.

9) Your Privacy Rights

Your rights vary by jurisdiction and may include:

• Access: request a copy of your Personal Information.
• Correction: request we correct inaccurate information.
• Deletion: request we delete information, subject to exceptions.
• Portability: receive certain information in portable format.
• Opt-out: of certain processing (e.g., targeted advertising, profiling where applicable).
• Withdraw consent: where processing is based on consent.
• Appeal: if we deny a request, you may have the right to appeal.

To exercise rights, email us at hello@creditrepairgpt.com. We will verify your request (e.g., via email confirmation or account checks). You may authorize an agent where allowed by law, subject to verification.

California/Colorado/Connecticut/Utah/Virginia residents: you may have additional rights under CPRA/CPA/CTDPA/UCPA/VCDPA, including the right to opt out of certain “sales,” “sharing,” or targeted advertising. Contact us to submit these requests.

EEA/UK residents: our legal bases include consent, contract, legal obligation, and legitimate interests. You may lodge a complaint with your data protection authority.

10) Your Choices

• Marketing emails: unsubscribe via the link in emails or contact us.
• Cookies: control via browser settings and any cookie banner.
• AI personalization: opt out of non-essential personalization by emailing hello@creditrepairgpt.com.

11) International Data Transfers

We may process information in jurisdictions with different data-protection laws. Where required, we use appropriate safeguards (e.g., standard contractual clauses) to protect cross-border transfers.

12) Children’s Privacy

Our Services are not directed to children and we do not knowingly collect Personal Information from individuals under 13 (or the age defined by local law). If you believe a child has provided us information, contact us to request deletion.

13) Changes to this Policy

We may update this Policy to reflect changes in our practices or legal requirements. We will post the updated version with a new “Last updated” date and, where appropriate, provide additional notice.

14) How to Contact Us

If you have questions, requests, or concerns about this Policy or our data practices, contact us at: hello@creditrepairgpt.com.