Privacy Policy

CreditLoanSolution.com (“we,” “us,” “our,” or “Website”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our educational credit health simulation tool.

IMPORTANT NOTICE: We do NOT access, collect, or store your actual credit reports, credit scores, or any data from Credit Reference Bureaus (Equifax, Experian, TransUnion). Our service is strictly educational and simulation-based.

Please read this Privacy Policy carefully. By using our Website, you consent to the practices described in this policy.

1. Information We Do NOT Collect

1.1 We DO NOT Collect:

• Real credit reports or credit scores from any Credit Reference Bureau
• Social Security Numbers (SSN)
• Bank account numbers or financial account details
• Credit card information (we do not process payments)
• Loan application data
• Authentication credentials for credit bureaus
• Any data that would require FCRA compliance as a Consumer Reporting Agency

1.2 No Connection to Credit Bureaus

Our Website does NOT:

• Pull or access your credit report from Equifax, Experian, or TransUnion
• Perform hard or soft credit inquiries
• Connect to any Credit Reference Bureau’s systems
• Store or transmit credit bureau data
• Act as a Consumer Reporting Agency under the FCRA

2. Information We DO Collect

2.1 Simulation Input Data (Voluntary)

When you use our credit health simulation tool, you may voluntarily enter hypothetical or estimated information such as:

• Payment history estimates
• Credit utilization percentages
• Length of credit history (in years)
• Types of credit accounts
• Recent credit inquiries (estimated numbers)

How We Handle Simulation Data:

• Client-Side Processing: All simulation calculations are performed locally in your browser
• No Server Storage: Simulation inputs are NOT transmitted to or stored on our servers
• Session-Only: Data exists only during your active browser session
• No Persistence: When you close your browser or navigate away, simulation data is automatically cleared
• No User Accounts: We do not require registration or account creation

2.2 Automatically Collected Information

We automatically collect certain technical information when you visit our Website:

Device and Browser Information:

• IP address
• Browser type and version
• Operating system
• Device type (desktop, mobile, tablet)
• Screen resolution
• Browser language preferences

Usage Data:

• Pages visited and time spent on each page
• Referring website/source
• Date and time of access
• Links clicked
• Navigation paths through the Website
• Features used (e.g., which simulation tools accessed)

Performance Data:

• Page load times
• Error messages encountered
• Website performance metrics

2.3 Cookies and Tracking Technologies

We use cookies and similar technologies to enhance user experience and analyze Website usage.

Types of Cookies We Use:

a) Essential Cookies

• Required for basic Website functionality
• Enable core features like navigation and access to secure areas
• Cannot be disabled without affecting Website performance

b) Analytics Cookies

• Help us understand how visitors use our Website
• Collect aggregated, anonymous data on page views, traffic sources, and user behavior
• Used to improve Website design and functionality

c) Preference Cookies

• Remember your settings and preferences
• Store language preferences, display settings, etc.
• Enhance user experience on repeat visits

Third-Party Analytics Services: We may use services such as:

• Google Analytics – Website traffic analysis and user behavior tracking
• Other analytics platforms to understand user engagement

Managing Cookies: You can control cookies through your browser settings:

• Most browsers allow you to refuse cookies or delete existing cookies
• Disabling cookies may affect Website functionality
• Visit your browser’s help section for specific instructions

Cookie Duration:

• Session Cookies: Deleted when you close your browser
• Persistent Cookies: Remain on your device for a set period or until manually deleted

2.4 Contact Form Information

If you contact us through email or a contact form, we collect:

• Your name
• Email address
• Subject of inquiry
• Message content
• Any information you voluntarily provide

2.5 Voluntary Survey or Feedback Data

If you participate in surveys or provide feedback:

• Survey responses
• Feedback comments
• Ratings or opinions provided

3. How We Use Your Information

3.1 Primary Uses

We use collected information for:

Website Operation and Improvement:

• Providing and maintaining Website functionality
• Analyzing usage patterns to improve user experience
• Identifying and fixing technical issues
• Optimizing Website performance and loading times
• Developing new features and services

Communication:

• Responding to your inquiries and support requests
• Sending administrative information about the Website
• Providing educational resources about credit health

Analytics and Research:

• Understanding how users interact with our simulation tools
• Conducting aggregate statistical analysis
• Improving educational content effectiveness
• Identifying popular features and content

Security and Legal Compliance:

• Detecting and preventing fraud or abuse
• Protecting against security threats
• Enforcing our Terms and Conditions
• Complying with legal obligations
• Responding to legal requests from authorities

3.2 We Do NOT Use Your Information To:

• Sell or rent your personal information to third parties
• Share your data with credit bureaus
• Make credit decisions or assessments
• Target you with credit offers or loan products
• Create user profiles for marketing purposes outside our Website
• Engage in discriminatory practices

4. Information Sharing and Disclosure

4.1 We Do NOT Sell Your Information

We do NOT sell, rent, or trade your personal information to third parties for marketing purposes.

4.2 Limited Sharing Circumstances

We may share information only in the following limited circumstances:

Service Providers:

• Third-party service providers who assist with Website operations (hosting, analytics, email services)
• These providers are contractually obligated to protect your information and use it only for specified purposes
• Examples: web hosting providers, analytics platforms, email service providers

Legal Requirements:

• When required by law, subpoena, or court order
• To comply with legal processes or government requests
• To enforce our Terms and Conditions
• To protect our rights, property, or safety, or that of our users or the public
• In connection with fraud prevention or security investigations

Business Transfers:

• In the event of a merger, acquisition, sale of assets, or bankruptcy
• Your information may be transferred to the acquiring entity
• You will be notified of any such change in ownership or control

With Your Consent:

• When you explicitly authorize us to share specific information
• For purposes clearly disclosed at the time of collection

4.3 Aggregate and Anonymous Data

We may share aggregate, non-personally identifiable information:

• Statistical data about Website usage patterns
• Anonymous demographic information
• Aggregated simulation tool usage statistics
• This data cannot be used to identify individual users

5. Third-Party Links and Services

5.1 External Links

Our Website contains links to third-party websites, including:

• AnnualCreditReport.com (official government-authorized credit report source)
• Consumer Financial Protection Bureau (CFPB)
• Federal Trade Commission (FTC)
• Other educational and government resources

Important Notice:

• We are NOT responsible for the privacy practices of these third-party sites
• We do NOT control their content or data collection practices
• Third-party sites have their own privacy policies
• We encourage you to review their privacy policies before providing information
• Links are provided for convenience and educational purposes only

5.2 Third-Party Analytics

We use third-party analytics services (e.g., Google Analytics) that may collect information about your use of our Website:

• These services have their own privacy policies
• They may use cookies and tracking technologies
• Data collected is typically aggregated and anonymized
• You can opt out of Google Analytics using the Google Analytics Opt-out Browser Add-on

5.3 No Affiliation with Credit Bureaus

We are NOT affiliated with, endorsed by, or connected to:

• Equifax, Experian, or TransUnion
• Any Consumer Reporting Agency
• Any credit repair organization
• Any lending institution or financial services provider

6. Data Security

6.1 Security Measures

We implement reasonable technical and organizational measures to protect your information:

Technical Safeguards:

• SSL/TLS encryption for data transmission
• Secure hosting infrastructure
• Regular security updates and patches
• Firewall protection
• Intrusion detection systems
• Access controls and authentication

Organizational Safeguards:

• Limited access to personal information (only authorized personnel)
• Employee training on data protection
• Confidentiality agreements with service providers
• Regular security assessments
• Incident response procedures

6.2 Client-Side Data Processing

Simulation tool data is processed locally in your browser:

• No transmission to servers for calculation purposes
• Data remains on your device during simulation use
• Automatically cleared when session ends

6.3 No Absolute Security Guarantee

While we strive to protect your information:

• No method of transmission over the Internet is 100% secure
• No electronic storage system is completely invulnerable
• We cannot guarantee absolute security
• You use our Website at your own risk

6.4 Your Responsibility

Help protect your information by:

• Using secure internet connections
• Keeping your device and browser updated
• Using caution when accessing the Website on public computers
• Logging out of any accounts or sessions when finished

7. Data Retention

7.1 Simulation Data

• Simulation inputs are NOT stored on our servers
• Data exists only during your active browser session
• Automatically cleared when you close your browser or navigate away
• No long-term retention of simulation information

7.2 Usage and Analytics Data

• Retained for as long as necessary for analytics and improvement purposes
• Typically aggregated and anonymized after collection
• May be retained for up to 36 months for trend analysis
• Automatically deleted after retention period expires

7.3 Contact and Communication Data

• Retained for as long as necessary to respond to inquiries
• May be retained for customer service records
• Deleted upon request or when no longer necessary

7.4 Legal Retention

We may retain information longer when:

• Required by law or regulation
• Necessary for legal proceedings or investigations
• Required to enforce our Terms and Conditions
• Needed to prevent fraud or abuse

8. Your Privacy Rights

8.1 General Rights

Depending on your location, you may have the following rights:

Access:

• Request information about data we collect and maintain about you
• Request a copy of your personal information

Correction:

• Request correction of inaccurate or incomplete information

Deletion:

• Request deletion of your personal information (subject to legal requirements)

Objection:

• Object to certain types of data processing

Data Portability:

• Request your data in a machine-readable format (where applicable)

Withdraw Consent:

• Withdraw consent for data processing based on consent (where applicable)

8.2 Cookie Control

You have the right to:

• Accept or reject cookies through browser settings
• Delete existing cookies
• Opt out of certain analytics tracking
• Use browser privacy modes (incognito/private browsing)

8.3 Do Not Track Signals

• Some browsers have “Do Not Track” (DNT) features
• We currently do not respond to DNT signals
• We honor opt-out preferences for analytics services where available

8.4 Exercising Your Rights

To exercise any of these rights:

• Contact us using the information provided in Section 14
• Specify which right you wish to exercise
• Provide sufficient information to verify your identity
• We will respond within legally required timeframes

8.5 California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act:

Right to Know:

• Categories of personal information collected
• Sources of personal information
• Business purposes for collection
• Categories of third parties with whom information is shared

Right to Delete:

• Request deletion of personal information (subject to exceptions)

Right to Opt-Out:

• Opt out of sale of personal information (We do NOT sell personal information)

Right to Non-Discrimination:

• Not receive discriminatory treatment for exercising privacy rights

Shine the Light:

• Request information about disclosure of personal information to third parties for marketing purposes

8.6 European Union Rights (GDPR)

If you are in the European Union or European Economic Area:

Legal Basis for Processing:

• Consent: Processing based on your explicit consent
• Legitimate Interests: Our legitimate business interests
• Legal Compliance: Compliance with legal obligations

Additional Rights:

• Right to restriction of processing
• Right to data portability
• Right to lodge a complaint with supervisory authority
• Right to object to automated decision-making

International Transfers:

• If we transfer data outside the EU/EEA, we use appropriate safeguards
• We comply with applicable data protection laws

8.7 Other Jurisdictions

We respect privacy rights under applicable laws in other jurisdictions. Contact us if you have questions about your specific rights.

9. Children’s Privacy

9.1 Age Restriction

Our Website is NOT intended for children under 18 years of age:

• We do not knowingly collect information from individuals under 18
• We do not target content to children
• We do not knowingly market to minors

9.2 Parental Notice

If you are a parent or guardian and believe your child under 18 has provided us with personal information:

• Contact us immediately using the information in Section 14
• We will promptly delete such information from our records
• Provide details to help us identify and remove the information

9.3 COPPA Compliance

We comply with the Children’s Online Privacy Protection Act (COPPA):

• No intentional collection of data from children under 13
• No tracking or targeting of children
• Immediate deletion upon notification of underage data collection

10. International Users

10.1 Geographic Scope

• This Website is operated from the United States
• Intended primarily for users in the United States
• Content and resources are focused on US credit reporting system

10.2 International Data Transfers

If you access our Website from outside the United States:

• Your information may be transferred to and processed in the United States
• US privacy laws may differ from those in your country
• By using our Website, you consent to transfer of information to the US

10.3 EU/EEA Users

For users in the European Union or European Economic Area:

• We provide appropriate safeguards for international transfers
• We comply with GDPR requirements where applicable
• You have specific rights outlined in Section 8.6

11. Changes to This Privacy Policy

11.1 Right to Modify

We reserve the right to update or modify this Privacy Policy at any time:

• Changes will be effective immediately upon posting
• “Last Updated” date will be revised
• Material changes will be prominently noted
• Continued use after changes constitutes acceptance

11.2 Notification of Changes

For significant changes, we may:

• Post a notice on our homepage
• Send email notification (if we have your email)
• Provide pop-up notification on the Website

11.3 Review Regularly

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

12. Your Consent

By using CreditLoanSolution.com, you consent to:

• This Privacy Policy
• Our collection and use of information as described
• Our cookie and tracking technology practices
• Transfer of information to the United States (if applicable)

If you do not agree with this Privacy Policy, please do not use our Website.

13. Compliance with Fair Credit Reporting Act (FCRA)

13.1 Not a Consumer Reporting Agency

• We are NOT a Consumer Reporting Agency as defined by the FCRA
• We do NOT provide consumer reports or credit scores
• We do NOT access credit bureau data
• We are NOT subject to FCRA requirements for Consumer Reporting Agencies

13.2 Educational Information Only

• Our simulation tools are for educational purposes only
• Results are hypothetical and not based on actual credit data
• We do NOT make credit decisions or provide credit reports

13.3 Official Credit Report Resources

For your official, FCRA-mandated free credit reports:

• Visit AnnualCreditReport.com (the ONLY authorized source)
• Entitled to one free report every 12 months from each bureau
• Learn about your rights at Consumer Financial Protection Bureau (consumerfinance.gov)

14. Contact Information

14.1 Privacy Questions

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices:

CreditLoanSolution.com
Mailing Address: 1131 2nd St NE
Phone: [(828) 328-6116]

14.2 Data Protection Officer (if applicable)

For EU/EEA users or GDPR-related inquiries: Data Protection Contact: [Insert DPO contact information if applicable]

14.3 Response Time

We will respond to privacy inquiries within:

• 30 days for general inquiries
• 45 days for CCPA requests (with possible 45-day extension)
• 30 days for GDPR requests (with possible 60-day extension)

14.4 Complaints

If you believe we have not addressed your privacy concerns adequately:

• You may file a complaint with your local data protection authority
• In the US, contact the Federal Trade Commission (FTC)
• In the EU, contact your national Data Protection Authority

15. Additional Consumer Information

15.1 Your FCRA Rights

Under the Fair Credit Reporting Act, you have the right to:

• Access your credit report for free once every 12 months from each bureau
• Dispute inaccurate or incomplete information
• Have negative information removed after 7 years (10 years for bankruptcies)
• Limit prescreened credit offers
• Receive notification if information is used against you

15.2 Fraud Protection

To protect yourself from credit fraud and identity theft:

• Review credit reports regularly for unauthorized activity
• Place fraud alerts or security freezes if concerned
• Report identity theft to FTC at IdentityTheft.gov
• Monitor financial accounts for unusual activity

15.3 Avoiding Scams

Be aware of credit-related scams:

• Never pay for “free” credit reports from unofficial sources
• Legitimate credit bureaus will not ask for sensitive information via email
• Be cautious of credit repair companies making unrealistic promises
• Verify the legitimacy of websites before providing personal information

15.4 Official Resources

For accurate information about credit and your rights:

• AnnualCreditReport.com – Free official credit reports
• MyMoney.gov – Federal financial education resources
• Consumer.ftc.gov – Consumer protection information
• ConsumerFinance.gov – CFPB resources and complaint submission

16. Disclaimer

This Privacy Policy applies solely to information collected by CreditLoanSolution.com. This policy does not apply to:

• Information collected offline
• Third-party websites linked from our Website
• Services not owned or controlled by CreditLoanSolution.com
• Information you provide directly to third parties

We make no representations about third-party practices and are not responsible for their privacy policies or data handling.

17. Special Circumstances

17.1 Aggregated and De-identified Data

We may create aggregated or de-identified data that cannot be used to identify you:

• This data is not considered personal information
• We may use it for any lawful purpose without restriction
• It may be shared or published without limitation

17.2 Publicly Available Information

Information you voluntarily make public:

• Is not protected by this Privacy Policy
• May be collected and used by third parties
• Cannot be deleted or controlled by us once public

17.3 Anonymous Browsing

You may browse our Website anonymously:

• Use privacy-focused browsers or VPNs
• Disable cookies (may affect functionality)
• Use private/incognito browsing mode

By using CreditLoanSolution.com, you acknowledge that you have read, understood, and agree to this Privacy Policy.

For the most current version of this Privacy Policy, please visit: https://creditloansolution.com/privacy-policy