Privacy Policy

Effective date: 2025-09-08

This Privacy Policy explains how ClearTrackCredit™ ("we," "us") collects, uses, and safeguards personal information when you use our website and portal (the "Services").

1. Information We Collect

• Identity & Contact Data (e.g., name, email, phone, address)
• Account & Billing Data (e.g., plan tier, invoices, payment method handled by our processor)
• Credit-Related Data you provide or connect (e.g., reports, dispute items, correspondence)
• Technical Data (e.g., device information, browser type, operating system, hardware specifications, IP address, cookies, analytics)
• Usage Data (e.g., pages visited, features used, time spent, referring URLs)

2. Hardware & Technical Data Collection

When you access our Services, we automatically collect certain hardware and technical information including but not limited to: device type, operating system, browser type, screen resolution, IP address, unique device identifiers, and network information. This data helps us optimize our Services for your specific device, enhance security, prevent fraud, and improve user experience.

3. How We Use Information

• Provide and operate the Services (contract necessity)
• Secure the Services, prevent fraud, and comply with law (legitimate interests/legal obligations)
• Communicate about your account and Services (contract necessity)
• Improve and personalize user experience
• Marketing with your consent (you can withdraw anytime)

4. Sharing & Disclosure

We share data with service providers (e.g., hosting, email, payment, mail vendors) under contracts that limit their use to our instructions. We do not sell or share personal information for cross-context behavioral advertising without your separate, express opt-in consent. You may opt out of sale/sharing at any time using the "Do Not Sell/Share" control in the footer.

5. Your Choices & Rights

• Access, correction, deletion, and portability, subject to legal exceptions
• Opt out of marketing at any time
• Limit use/disclosure of sensitive information to what is necessary to perform the Services
• Browser controls to block cookies and similar technologies

6. Data Security

We use encryption in transit and at rest, role-based access, and logging. If your uploads are routed to a private VPS over VPN, ensure a hardened OS, restricted inbound rules, forced HTTPS/TLS, and regular patching. We recommend short retention periods and audit trails.

7. Data Retention

We retain dispute-related records generally up to 24 months (or longer where legally required), then delete or anonymize. Billing records may be retained for tax/audit obligations. Technical and hardware data is typically retained for 12 months unless used for security purposes.

8. Children

Our Services are not directed to children under 13. We do not knowingly collect personal information from children.

9. Changes

We may update this Policy. If changes are material, we will provide notice in the portal or by email.

10. Contact

privacy@cleartrackcredit.com