Credit Hero Privacy Policy
1. Introduction
Credit Hero (“we,” “our,” or “us”) operates an online marketplace (the “Platform”) that connects consumers (“Users” or “you”) with independent credit repair organizations (CROs).
We are not a credit repair organization or consumer reporting agency. We do not provide credit repair services, offer credit advice, or guarantee improvements to your credit profile. Our role is to operate a neutral platform that helps Users discover, compare, and connect with independent CROs.
This Privacy Policy explains how we collect, use, share your personal information, and your choices, in connection with your use of or any other websites that link to this Policy (collectively, our “Website.”). By using our Platform or related services (collectively, the “Services”), you agree to this Privacy Policy.
2. Information We Collect
a. Information You Provide to Us
We collect information you voluntarily provide when you:
- Create or update your account
- Communicate with CROs or our support team
- Leave reviews or feedback
- Participate in promotions or surveys
The types of personally identifiable information that you voluntarily provide us include, but may not be limited to:
- Name, email address, phone number, and mailing address
- Date of birth, Social Security number, Drivers license
- Account credentials (username, password)
- Service preferences and credit-related goals
- Credit scores or credit reports
- Messages and communications exchanged through the Platform
- Transaction information such as purchase history
- Payment data (processed by third-party payment processors)
- Communications such as market research, surveys, or telephone calls with customer service
Marketing information such as advertising preferences.
Licensing and bond documentation (provided by CROs)
b. Information Collected Automatically
We may automatically receive and store the following types of information about you, your computer or device, and your activity whenever you use the Website, Services or interact with us and other online services:
Device data, such as your computer or mobile device operating system type and version number, manufacturer and model, browser type, language preferences, IP address, cookie identifiers, ISP or mobile carrier, mobile advertising identifiers, MAC address, IMEI, Advertiser ID, date and time of visits, unique identifiers, general location information such as city or town and other device identifiers and features that are automatically assigned to your computer or device when you access the Internet.
Usage data, such as the websites you visited, pages or screens you viewed, time spent on a page or screen, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.
Some of the information may be provided to us through the following:
Cookies, which are small pieces of information stored on your device that uniquely identifies your browser and settings within your browser for the purpose of helping you navigate between pages efficiently and remembering your preferences, enabling functionality, helping us understand user activity and patterns, facilitating online advertising and measuring the effectiveness of our ads. Users can also express their choices for display advertising, through the following platforms: Digital Advertising Alliance opt-out platform or the Network Advertising Initiative opt-out platform. To opt-out of these cookies, please go to http://www.aboutads.info/choices.
Web Beacons, also known as pixel tags or clear GIFs, are used to count and recognize users to a website, or demonstrate that a webpage or email was accessed or opened, or that certain content within it was viewed or clicked, typically to compile statistics about usage of websites and the success of marketing campaigns.
Javascript libraries, which are snippets of code within web pages that execute when certain actions take place.
Google Analytics, Mixpanel, Hubspot, Bing Ads, Facebook Ads, Wicked Reports, and Microsoft Clarity. By using our Website, you consent to the processing of your information by these ads and analytics partners. In order to ensure that you understand how our ads and analytics partners handle your information and how they interact with our Website, you should visit their privacy policies for more information. Credit Hero has no ability to control or monitor our partners’ data collection or data use practices with respect to such information.
c. Information from Third Parties
We may receive personal information about you from other sources, such as CROs that you contact through our Platform, data providers, marketing partners and affiliates, and publicly accessible sources, such as social media platforms.
3. How We Use Information
We may use or disclose your personal information for the following business purposes or as otherwise described to you at the time of collection:
Delivery of Services. We use your personal information to provide, operate, maintain, and improve the Services, to communicate with you regarding the Services including providing you information about potential or future Services, to match you with relevant CROs, to facilitate communications between User, CROs and/or affiliates, to process transactions and payments for the Services you purchase, to personalize your experience with the Services, verify individual identity, communicate about accounts and activities on the Website and/or Services, ensure quality control and to provide support for the Services.
Operation of the Website. We use your personal information to provide, operate, maintain and improve the Website and/or Services, to personalize your experience with the Website and/or Services, and to provide support for the Website and/or Services.
Research and Development. We may use your personal information for research and development purposes, including to analyze and improve the Services and develop other products and services. As part of these activities, we may create aggregated, de-identified or other anonymous data from personal information we collect. We make personal information into anonymous data by removing information that makes the data personally identifiable to you. We may use this anonymous data and share it with third parties for our lawful business purposes, including to analyze and improve the Services and promote our business.
Marketing. We and our third party advertising partners may collect and use your personal information for marketing and advertising purposes. If you request information from us, use the Services or participate in our surveys, promotions or events, we may send you marketing communications as permitted by law but will provide you with the ability to opt out. We may also contract with third-party advertising and social media companies to display ads on our Services and other sites. These companies may use cookies and similar technologies to collect information about you (including the device data and online activity data described above) over time across our Services and other sites and services or your interaction with our emails and use that information to serve ads that they think will interest you.
Compliance and Protection. We may use your personal information to protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims), to audit our internal processes for compliance with legal and contractual requirements and internal policies, to enforce our Terms of Use, to protect, investigate and deter against fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft, and to comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities.
4. How We Share Information
We do not sell personal information. We may share your personal information with the following parties and as otherwise described in this Privacy Policy:
Service Providers. We may employ third party companies and individuals to help provide the Website or Services, such as providing marketing and advertising, website analytics, research, IT, customer support, hosting, data, information, email delivery, analysis, audit, fraud detection and payment processing. They are restricted from using your personal information except as authorized to perform these tasks in a manner consistent with this Privacy Policy.
Integrations and Third-party Services.. We may use third-party application programming interfaces (“APIs”) in connection with the Services that we offer you. User data collected via the API is subject to the privacy policies of those third parties and Credit Hero Score does not own or control those third parties.
Payment Processors. Any payment card information you use to make a purchase on the Website or through the Services is collected and processed by our payment processors. Our processors are committed to complying with the Payment Card Industry Data Security Standard (PCI-DSS) and using industry standard security. Our processors may use your payment information in accordance with their own privacy policies.
Advertising Partners. We work with third party advertising companies that collect information about your activity on the Website and other online services to help us advertise our services and deliver ads to them and similar users on their platforms.
Affiliates. We may disclose your personal information to our subsidiaries and corporate affiliates for use consistent with this Privacy Policy.
Professional Advisors. We may disclose your personal information to professional advisors, such as lawyers, bankers, auditors and insurers, where necessary in the course of the professional services they render to us.
Compliance and Protection. We may disclose your personal information as we believe appropriate (i) for compliance and protection purposes, (ii) as required by law, lawful requests or legal process, such as to respond to subpoenas or requests from government authorities; (iii) where permitted by law in connection with any legal investigation; (iv) to respond to your requests; (v) to protect yours’, ours’ or others’ rights, property, or safety; (vi) to collect amounts owed to us; (vii) to prosecute or defend legal claims; and (viii) if we, in good faith, believe that disclosure is otherwise necessary or advisable.
Business Transfers. We may sell, transfer or otherwise share some or all of our business or assets, including your personal information, in connection with a business deal (or potential business deal) such as a merger, consolidation, acquisition, reorganization or sale of assets, or in the event of bankruptcy, in which case we will make reasonable efforts to require the recipient to honor this Privacy Policy.
CROs are independent businesses and have their own privacy policies. Please review their privacy terms before engaging their services.
5. Third Party Sites and Services
The Platform and Website provide links to CROs’ websites and services. These links are not an endorsement of, or representation that we are affiliated with any CRO or third party service provider. We do not control and we are not responsible for the content, maintenance or privacy policies of those websites or the actions of those third parties. Other websites and services follow different rules regarding their collection, use and disclosure of your personal information. We encourage you to read their privacy policies to learn more. We are not responsible for any transactions that occur between you and a third party website or service. Should you purchase any products or services from a third party, you must contact the third party site directly regarding any disputes that might occur
6. Data Retention
We retain your personal data only as long as necessary for business, legal, or compliance purposes. You may request deletion of your account or data unless retention is legally required.
7. Security
We place a priority on the security of personal information and we have security measures in place to protect the loss, misuse and alteration of the information under our control. We are able to keep your personal information safe and secure by utilizing the industry standard technology, including password protected member records, firewalls, secure servers and Secure Sockets Layer (SSL) encryption technology. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we are committed to protecting your information, we cannot ensure or warrant the security of any information you transmit to us.
8. Children’s Privacy
Our Services are not directed to individuals under the age of 18. We do not knowingly collect information from minors. We encourage parents and legal guardians to monitor their children's Internet use. Also, we strongly encourage parents to help us enforce this Privacy Policy by instructing their children never to provide personal information on the Website without permission. It is possible that due to fraud or deception by others, we may unknowingly receive information pertaining to children under the age of 18. If we learn that any user of the Service is under the age of 18, we will take appropriate steps to delete that individual’s personal information and restrict that individual from future access to the Services.
9. Your Rights and Choices
You may access, correct, or delete your personal information and/or opt out of marketing communications. To exercise these rights, contact support. You may also manage cookie preferences in your browser settings.
At the present time our Website does not respond to “Do Not Track” signals or similar mechanisms.
10. International Data Transfers
If you use our Services from outside the United States, please note that your information may be processed and stored in the United States, where privacy laws may differ from those in your country.
11. Changes to This Policy
We reserve the right to change or modify this Privacy Policy at any time and without prior notice. Please review the Website and this Privacy Policy periodically for the latest information on our privacy practices. Any changes and/or modifications shall become effective immediately upon posting thereof. Without limiting the foregoing, we may occasionally notify you by email (if you have a registered account) or another manner through the Website or the Services about changes to the Privacy Policy, including providing notices of changes or links to notices to you generally on the Website. Your continued use of the Website and Services after the posting of the updated Privacy Policy shall constitute your agreement and acceptance of the update.
12. Contact Us
For further information or questions about this Privacy Policy, you may contact our Privacy Officer at privacy@CreditHero.com, or via written correspondence to Credit Hero, Attn: Business & Legal Affairs; 12517 Venice Blvd Los Angeles, CA 90066.
IMPORTANT INFORMATION FOR CALIFORNIA RESIDENTS.
This section applies solely to visitors, users, and others who reside in the State of California ("consumers" or "you") and supplements the information contained in the Privacy Policy above. It describes how we collect, use and share personal information of California residents in operating our business, and their rights with respect to that personal information. We adopt this notice to comply with the California Consumer Privacy Act ("CCPA") and other California privacy laws.
YOUR CALIFORNIA PRIVACY RIGHTS.
If you are a California resident, you can make certain requests regarding your personal information. We will fulfill each of these requests to the extent required by law.
Access to Specific Information and Data Portability Rights. You can ask us what personal information we have about you, and how we have used it in the past 12 months. If you make this request, we will return to you the following (to the extent required by law):
The categories of personal information we have collected about you.
The categories of sources from which we collect your personal information.
The business or commercial purpose for collecting or selling your personal information.
The categories of third parties with whom we share personal information.
The specific pieces of personal information we have collected about you.
Whether we have sold your personal information, and if so, the categories of personal information that we have sold, along with the category of any third party we sold it to.
Whether we have disclosed your personal information for a business purpose, and if so, the categories of personal information disclosed, along with the category of any third party we shared it with.
You can ask us to provide you with this information up to two times in a rolling twelve-month period. When you make this request, the information provided may be limited to personal information we collected about you in the previous 12 months.
Deletion Request Rights. You have the right to ask that we delete your personal information. Once we receive a request, we will delete the personal information (to the extent required by law) we hold about you as of the date of your request from our records and direct any service providers to do the same. Deleting your personal information will not cancel memberships you have purchased.
Non-Discrimination. We will not discriminate against you for exercising your rights. This generally means we will not deny you goods or services, charge different prices or rates, provide a different level of service or quality of goods, or suggest that you might receive a different price or level of quality for goods. Please know, if you ask us to delete or stop selling your data, it may impact your experience with us, and you may not be able to participate in certain programs or membership services which require usage of your personal information to function.
Right to Opt-out of the Sale of CCPA Personal Information. You have the right to know if your personal information may be sold and the right to opt out of such sale. If you are a California resident, to opt-out of the sale of your personal information, submit such request privacy@CreditHero.com.
How to Exercise Your Rights. You may submit a request to exercise your information, access or deletion rights by visiting emailing privacy@CreditHero.com or calling us toll-free at (888) 316-7758. We will need to verify your identity to process your information, access and deletion requests and we reserve the right to confirm your California residency. Government identification may be required. If you wish to designate an authorized agent to make a request on your behalf, we will need to verify both your and your agent’s identities and your agent must provide valid power of attorney or other proof of authority acceptable to us in our reasonable discretion. We cannot process your request if you do not provide us with sufficient detail to allow us to understand and respond to it. In certain cases, we may be required or permitted by law to deny your request.
CCPA PERSONAL INFORMATION WE COLLECT, USE AND DISCLOSE.
Information we collect. We collect information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“CCPA personal information”). We have collected the following categories of CCPA personal information from consumers within the last twelve (12) months:
Identifiers.
Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
Commercial information.
Internet or other electronic network activity.
Geolocation data.
- Professional or employment-related information
- Inferences: behavioral or preference-based information
Business Uses of CCPA personal information. We use personal information to provide, analyze, administer, enhance and personalize our services and marketing efforts, to process your registration, your orders and your payments, and to communicate with you. For example, we use such information to:
Fulfill or meet the reason for which the information is provided.
Provide marketing and advertising services.
Assist with research and development of our products and services.
Provide you with information, products or services that you request from us.
Carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.
Determine your general geographic location.
Prevent, detect and investigate potentially prohibited or illegal activities, including fraud, and to enforce our terms.
Analyze and understand our audience, improve our website and our service and optimize content selection and delivery.
Communicate with you concerning our service so that we can send you news, details about new features and content available, special offers, promotional announcements, consumer surveys, and to assist you with operational requests such as password reset requests.
As necessary or appropriate to protect the rights, property or safety of us, our customers or others.
Sources of CCPA personal information. We obtain the categories of personal information listed above from the following categories of sources:
Directly from our consumers or their agents when they provide us CCPA personal information directly, such as information that our customers provide to us related to the services for which they engage us.
Indirectly and/or automatically from our consumers or their agents based on their interactions with us during the use of the Services, such as use of and submissions through the Website.
From third-parties that interact with us in connection with the Services.
Disclosure of CCPA personal information. We disclose the categories of CCPA personal information listed above for business purposes. When we disclose personal information for a business purpose, we describe the purpose to the recipient and require the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.
We disclose your personal information for a business purpose to the following categories of third parties:
Advertising and marketing partners.
Service providers.
Payment processors.
Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you.
We do not sell your personal information for monetary consideration.
NOTICE FOR RESIDENTS OF CERTAIN OTHER STATES
The laws of your state of residence (“Applicable State Law”) may provide you with certain rights, including the following:
Your Right to Confirm and Access: You have the right to confirm whether we are processing personal information about you and access the personal information we process about you.
Your Right to Portability: You have to right to obtain a copy of the personal information we maintain and process about you in a portable and, to the extent technically feasible, readily-usable format.
Your Right to Delete: You have the right to request that we delete the personal information we maintain or process about you.
Your Right to Correct: You have the right to request that we correct inaccuracies in the personal information we maintain or process about you, taking into consideration the nature and purpose of such processing.
Your Rights to Opt-Out: You have the right to opt-out of certain types of processing of personal information, including:
Opt-Out of the “sale” of personal information as defined by Applicable State Law;
Opt-Out of targeted advertising by us;
Opt-Out of automated profiling for the purposes of making decisions that produce legal or similarly significant effects.
Please note, as explained above, we do not “sell” personal information as that word is traditionally defined. However, we do share personal information with third parties to provide you with personalized advertising from us and to better understand how you interact with our Services. Through the use of cookies, we may also make available certain personal information to third parties for targeted advertising. You may opt-out from any of these disclosures under Applicable State Law by emailing support@CreditHero.com.
