Privacy Policy

CreditXpert, Inc. Privacy Policy

Effective as of: November 1, 2024

You are visiting a website or a mobile application owned and operated by CreditXpert, Inc. (“CreditXpert”, “we,” “us” and “our”). This Privacy Policy is effective as of the date noted above and describes our privacy practices in connection with the CreditXpert.com website, the CreditXpert mobile application, CreditXpert Solutions, and any other website or mobile application that we own or control and which posts or links to this Privacy Policy (collectively, the “Solutions”), and the rights and choices available to individuals with respect to their information.

We reserve the right to modify this Privacy Policy at any time. If we make material changes to this Privacy Policy, we will notify you by updating the date and posting it on the CreditXpert.com website and in the Solutions. We may, and if required by law will, also provide notification of changes in another way that we believe is reasonably likely to reach you, such as via e-mail (if you have an account where we have your contact information) or another manner through the Solutions.

Any modifications to this Privacy Policy will be effective upon our posting the new terms and/or upon implementation of the new changes on the Solutions (or as otherwise indicated at the time of posting). In all cases, your continued use of the Solutions after the posting of any modified Privacy Policy indicates your acceptance of the terms.

Personal Information We Collect

We may collect information directly from you via our contact forms, email correspondence, and other direct communications we have with you through the Solutions.  Personal information you provide to us through the Solutions or otherwise includes:

• Contact information, such as your first and last name, email and mailing addresses, and phone number.
• Feedback or correspondence, such as information you provide when you contact us with questions, feedback, or otherwise correspond with us online.
• Profile information, such as your username and password that you may set to establish an online account with us.
• Marketing information and preferences, such as your preferences for receiving communications about our activities, events, and publications, and details about how you engage with our communications.
• Information we obtain from third parties. At your request and instruction, information may be collected from third parties, including select Financial Information from the credit bureaus.

Cookies and Other Information Collected by Automated Means 

We and our service providers may automatically log information about you, your computer or mobile device, and activity occurring on or through the Products, including but not limited:

• Device data, such as your computer or mobile device operating system type and version number, manufacturer and model, device identifier (such as the Google Advertising ID or Apple ID for Advertising), browser type, screen resolution, IP address, the website you visited before browsing to our website, and general location information such as city, state or geographic area.
• Online activity data, such as information about your use of and actions in the Products, such as pages or screens you viewed, how long you spent on a page or screen, navigation paths between pages or screens, including referring and exiting pages or screens, information about your activity on a page or screen, access times, and length of access.

On our webpages, this information is collected using cookies, browser web storage (also known as locally stored objects, or “LSOs”), web beacons, and similar technologies, and our emails may also contain web beacons. In our mobile application, we may collect this information directly or through our use of third-party software development kits (“SDKs”). SDKs may enable third parties to collect information directly from our mobile applications.

A “cookie” is a text file that websites send to a visitor‘s computer or other Internet-connected device to uniquely identify the visitor’s browser or to store information or settings in the browser. Browser web storage, or LSOs, are used for similar purposes as cookies. Browser web storage enables the storage of a larger amount of data than cookies.

A “web beacon,” also known as a pixel tag or clear GIF, is typically used to demonstrate that a webpage was accessed or that certain content was viewed, typically to measure the success of our marketing campaigns or engagement with our emails and to compile statistics about usage of our websites.

A SDK is third-party computer code that we may incorporate into our mobile applications that may be used for a variety of purposes, including to provide us with analytics regarding the use of our mobile applications, to integrate with social media, add features or functionality to our app, or to facilitate online advertising.

Web browsers may offer users of our websites or mobile apps the ability to disable receiving certain types of cookies; however, if cookies are disabled, some features or functionality of our websites may not function correctly. Please review the “Your Choice” section below for additional information regarding our use of cookies. Please also see the “Targeted online advertising” section for information about how to exercise your choices regarding the use of browsing behavior for purposes of targeted advertising.

Your Choices

In this section, we describe the rights and choices available to all users.

Update your account. If you have an account, you can manage your account and update your profile information, such as your name, email address, telephone number, and password, by logging in to your account.

Opt out of marketing communications. You may opt out of marketing-related emails and text messages by following the opt-out or unsubscribe instructions in each communication. You may continue to receive service-related, transactional, and other non-marketing emails and text messages. Please note that, if you do not want to receive legal notices from us, those legal notices will still govern your use of the Solutions, and you are responsible for reviewing such legal notices for changes.

Cookies & Browser Web Storage. We may allow service providers and other third parties to use cookies and similar technologies to track your browsing activity over time and across the Solutions and third-party websites. Most browsers let you remove or reject cookies. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. Please note that if you set your browser to disable cookies, the sites may not work properly. Similarly, your browser settings may allow you to clear your browser web storage.

Targeted online advertising. Some of the business partners that collect information about users’ activities on or through the Solutions may be members of organizations or programs that provide choices to individuals regarding the use of their browsing behavior or mobile application usage for purposes of targeted advertising. If you choose to opt-out of targeted advertisements, you will still see advertisements online, but they may not be relevant to you. Even if you do choose to opt out, not all companies that serve online behavioral advertising are included in this list, so you may still receive some cookies and tailored advertisements from companies that are not listed.

The Solutions use Google Analytics, Google Adwords, Facebook Ads, LinkedIn Ads, and other third party applications to advertise online via their remarketing and other display targeting features.

You can prevent the storage of data relating to your use of the Solutions and created via the cookies (including your IP address) by Google, as well as the processing of this data by Google, by downloading and installing the browser plug-in available at https://tools.google.com/dlpage/gaoptout (requires you to install a browser add-on).

You can also use these opt-out options to limit use of your information for interest-based advertising by participating companies:

• Digital Advertising Alliance
• Network Advertising Initiative

Since many of these opt-out tools are specific to a device or browser, you will need to opt out on every browser and device that you use.

Do Not Track. Some Internet browsers may be configured to send “Do Not Track” signals to the online services that you visit.  We currently do not respond to “Do Not Track” or similar signals.  To find out more about “Do Not Track,” please visit http://www.allaboutdnt.com.

Choosing not to share your personal information. Where we need your personal information in order to provide the Solutions to you, if you do not provide this information when requested (or you later ask to delete it), we may not be able to provide you with our Solutions. We will tell you what information you must provide to receive the Solutions by designating it as required at the time of collection or through other appropriate means.

How We Use Your Personal Information

We use your personal information for the following purposes and as otherwise described in this privacy policy or at the time of collection:

To operate the Products.

We use your personal information to:

• provide you with our data analytics solutions
• provide, operate, and improve the Solutions
• establish and maintain your user profile on the Solution
• provide support and maintenance for the Solutions

To communicate with you, including to:

• communicate with you about the Solutions, including by sending you announcements, updates, security alerts, and support and administrative messages
• to respond to your requests, questions and feedback

For research and development. We analyze use of the Solutions to improve the Solutions and to develop new products and services, including by studying user profiles and use of the Solutions.

To comply with law. We use your personal information as we believe necessary or appropriate to comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities.

For compliance, fraud prevention, and safety. We may use your personal information and disclose it to law enforcement, government authorities, and private parties as we believe necessary or appropriate to: (a) protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims); (b) enforce the terms and conditions that govern the Solutions; and (c) protect, investigate and deter against fraudulent, harmful, unauthorized, unethical, or illegal activity.

To create anonymous, aggregated or de-identified data. We may create anonymous, aggregated or de-identified data from your personal information and other individuals whose personal information we collect. We make personal information into anonymous, aggregated or de-identified data by removing information that makes the data personally identifiable to you. We may use this anonymous, aggregated or de-identified data and share it with third parties for our lawful business purposes, including to analyze and improve the Solutions and promote our business.

How We Share your Personal Information

We do not share your personal information with third parties without your consent, except in the following circumstances or as described in this privacy policy:

Service providers.  We may share your personal information with third party companies and individuals that provide services on our behalf or help us operate or provide the Solutions, such as customer support, hosting, data storage, analytics, email and text message delivery, marketing, employment application processing, and database management services. These third parties may use your personal information only as directed or authorized by us and in a manner consistent with this privacy policy and are prohibited from using or disclosing your information for any other purpose.

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 that they render to us.

For compliance, fraud prevention, and safety.  We may share your personal information for the compliance, fraud prevention, and safety purposes described above.

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 transaction (or potential business transaction) such as a corporate divestiture, merger, consolidation, acquisition, reorganization or sale of assets, or in the event of bankruptcy or dissolution. We reserve the right to further share your personal information in connection with, or during negotiations of, any proposed or actual merger, purchase, sale, or any other type of acquisition or business combination of all or any portion of our assets.

Other Sites and Services

The Solutions may contain links to other websites and other online services operated by third parties.  These links are not an endorsement of, or representation that we are affiliated with, any third party.  In addition, our content may be included on web pages or in mobile applications or online services that are not associated with us. We do not control third party websites, mobile applications or online services, and we are not responsible for their actions.  Other websites, mobile applications and services follow different rules regarding the collection, use and sharing of your personal information and your use of any such third-party websites may be subject to other terms and conditions imposed by the third parties maintaining those websites. We encourage you to read the privacy policies of the other websites, mobile applications and online services you use, as these policies control the collection and use of your personal information in those instances.

In certain instances, we may obtain your personal information from other third parties, such as lending officers or other employees of financial institutions who have, with your consent and permission, initiated the creation of your account for the Solutions and who have collected and provided data on your financial profile, including Financial Information. In those instances, the privacy policies of those third parties will govern the collection, use, and sharing of your personal information, and we will use your personal information only for the purposes for which it was provided to us.

Security Practices

The security of your personal information is important to us. We employ a number of organizational, technical, and physical safeguards designed to protect the personal information we collect. However, security risk is inherent in all Internet and information technologies and we cannot guarantee the security of your personal information.

Visiting our Websites From Outside the United States

The Solutions are designed in the United States and are governed by the laws of the United States. We make no representation that the Solutions are governed by or operated in accordance with the laws of any other nation.

Children

The Solutions are not directed to, and we do not knowingly collect personal information from, anyone under the age of 13. If a parent or guardian becomes aware that his or her child has provided us with information without their consent, he or she should contact us. We will delete such information from our files as soon as reasonably practicable. We encourage parents with concerns to contact us.

California

Under California law, we will not share information we collect about you with companies outside of CreditXpert, unless the law allows, such as to service your accounts.

Nevada

Nevada laws permit customers in Nevada to opt-out of the sale of certain kinds of personal information. CreditXpert does not sell your personal information to third parties for monetary consideration to trigger the opt-out requirements under Nevada law. If you are a Nevada resident and have questions, please contact us at legal@creditxpert.com.

Vermont

Under Vermont law, we will not share information we collect about Vermont residents with companies outside of CreditXpert, unless the law allows, for example, we may share your information with your consent to service your account.

How to Contact Us

If you have any questions about this privacy policy, please contact us at legal@creditxpert.com.