Effective Date: september 1, 2025
This Privacy Policy explains how Creditloansolution (“we,” “us,” or “our”) collects, uses, and protects information when you use our website and our Credit Health Simulation Tool (the “Service”).
1. Information We DO NOT Collect or Store
Crucially, we DO NOT collect, store, or require any of the following:
- Personal Financial Data: Credit card numbers, bank account details, or loan balances.
- Government Identifiers: Social Security Numbers (SSN), driver’s license numbers, or official government IDs.
- Official Credit Data: We do not connect to any Credit Reference Bureaus (Equifax, Experian, or TransUnion) and therefore do not access, retrieve, or store your actual credit report or credit score.
- Personally Identifiable Information (PII) for the Simulator: The inputs you manually provide to our simulation tool (e.g., “Excellent Payment History,” “Low Credit Utilization”) are used solely to generate the immediate, on-screen simulation result and are not stored or linked to any user account or personal identity.
2. Information We DO Collect (Non-Personal)
We may collect basic, non-personally identifiable information related to your use of the website:
- Log Data: Information that your browser sends whenever you visit our website. This may include your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Service that you visit, the time and date of your visit, and other statistics.
- Cookies: We use cookies to collect information and track usage patterns for the sole purpose of improving our website’s functionality (e.g., remembering if you have dismissed the cookie banner). You have the option to accept or refuse these cookies.
3. How We Use the Information
The non-personal information we collect is used only for the following purposes:
- To Improve the Service: Analyzing website traffic and usage patterns to enhance our educational content and tool performance.
- Security: Monitoring and analyzing usage to prevent fraudulent or abusive activity.
4. Security
While we do not handle sensitive PII, we are committed to ensuring the security of the non-personal data we collect. We implement standard security measures to protect against unauthorized access or data loss.
5. Changes to This Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes.