This Privacy Policy describes how Credit Genie ("Credit Genie," "we," "us," or "our") collects, uses, and protects information when you use our website, creditsgene.com (the "Service"). By accessing or using the Service, you consent to the practices described in this policy.
1. Information We Collect
When you submit a request to explore funding options, we may collect:
- Contact information — such as your name, email address, phone number, and ZIP code.
- Financial information — such as requested funding amount, income range, and employment status that you choose to provide.
- Technical information — such as IP address, browser type, device information, and usage data collected automatically.
2. How We Use Your Information
- To match you with lending partners in our network based on the information you provide.
- To operate, maintain, and improve the Service.
- To communicate with you about your request and related offers.
- To comply with applicable legal obligations and protect against fraud.
3. How We Share Your Information
Credit Genie is a lead-generation service. We share the information you submit with our network of lending partners and financial service providers so they may evaluate whether to extend an offer to you. We do not make credit decisions and are not a party to any agreement you may enter into with a lender.
We may also share information with service providers who perform services on our behalf, with our affiliates, and as required by law.
4. Data Security
We employ industry-standard safeguards including 256-bit SSL encryption to protect your information during transmission. No method of transmission over the internet is completely secure, and we cannot guarantee absolute security.
5. Cookies
We may use cookies and similar technologies to enhance your experience, analyze traffic, and remember preferences. You can control cookies through your browser settings; disabling them may affect some functionality.
6. Your Rights
Depending on your state of residence, you may have rights to access, correct, or delete your personal information. For details, see our CCPA Privacy Notice.
7. Children's Privacy
The Service is not directed to individuals under 18, and we do not knowingly collect information from children.
8. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with a revised "Last updated" date.
9. Contact Us
If you have questions about this Privacy Policy, contact us at [email protected] or by mail at 1209 North Orange Street, Wilmington, DE 19801, USA.