Effective Date: 04/21/2026
Company: Credit Shield (“we,” “us,” “our”)

1. Information We Collect

We may collect the following types of information:

a) Personal Information

• Full name

• Phone number

• Billing address

• Account login details

b) Financial / Credit Information

• Credit-related data you choose to connect or upload

• Credit reports or summaries (if applicable through integrations or user input)

c) Technical & Usage Data

• IP address

• Device type and browser information

• Pages visited, actions taken, and usage behavior

• Cookies and similar tracking technologies

d) Payment Information

• Payment method details (processed securely via third-party payment providers)

• Transaction history and subscription status

2. How We Use Your Information

We use collected data to:

• Provide and operate our services

• Generate credit insights and reports

• Personalize user experience

• Process payments and manage subscriptions

• Improve platform performance and features

• Maintain security and prevent fraud

• Provide customer support and service updates

3. Sharing of Information

We do not sell personal information.

We may share information with:

• Payment processors

• Cloud hosting and infrastructure providers

• Analytics and performance tools

• Customer support systems

• Legal or regulatory authorities if required by law

All third-party providers are required to handle data securely and responsibly.

4. Data Security

We implement industry-standard security measures such as encryption, secure servers, and access controls. However, no system is completely secure, and we cannot guarantee absolute protection.

5. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access your personal data

• Request correction or deletion

• Withdraw consent where applicable

• Opt out of marketing communications

• Request account closure

6. Cookies & Tracking

We use cookies and similar technologies to:

• Improve website functionality

• Analyze platform performance

• Enhance user experience

You can disable cookies in your browser settings, but some features may not function properly.

7. Data Retention

We retain information only as long as necessary to:

• Provide services

• Comply with legal obligations

• Resolve disputes

• Enforce agreements

8. Third-Party Links

Our platform may contain links to third-party websites. We are not responsible for their privacy practices or content.

9. Changes to This Policy

We may update this Privacy Policy at any time. Continued use of the platform means you accept the updated version.