Credacy Privacy Policy

Account Information: Name; Email address; Phone number; Username; Password; Account preferences.

Credit Information: If you use credit-analysis functionality, we may process information contained in your credit report, which may include: Credit accounts; Account balances; Payment history; Credit limits; Credit utilization; Collections; Charge-offs; Inquiries; Public-record information; Account opening dates; Account status; Credit scores; Personal identifiers appearing on the report.

Identity Information: Depending on the services used, we may process: Date of birth; Address; Government-issued identifiers; Social Security number or portions thereof; Identity-verification information. We only request information reasonably necessary to provide the applicable Services.

Payment Information: Payments may be processed by third-party payment processors. Credacy generally does not directly store complete payment-card numbers unless specifically disclosed.

Technical Information: IP address; Browser type; Device type; Operating system; Usage information; Log information; Cookies; Authentication information; Approximate location derived from technical information.

We may use personal information to: Create and maintain your account; Provide Credacy services; Analyze credit information; Generate personalized educational information; Provide AI-powered responses; Create action plans; Provide customer support; Process payments; Provide requested third-party services; Maintain security; Prevent fraud; Detect abuse; Improve the Services; Troubleshoot technical problems; Communicate with you; Comply with legal obligations; Enforce our Terms; Defend legal claims; Develop and improve our products.

Credacy may use third-party AI infrastructure to process information submitted to the platform.

Depending on the specific technology used, information may be transmitted to AI or technology service providers solely for purposes necessary to provide Credacy functionality.

Credacy will configure its AI providers according to the privacy, security, data-retention, and data-use terms applicable to the Credacy service.

Before launch, Credacy should specifically document: Which AI providers receive customer data; Whether customer data is used to train models; Whether providers retain prompts; How long data is retained; Where data is processed; Whether data is encrypted; Whether data can be deleted.

Credit-report information is sensitive information.

Credacy will use credit-report information only for legitimate purposes associated with providing the Services, improving the Services where legally permitted, maintaining security, complying with law, and fulfilling other purposes disclosed to you.

Credacy does not represent that it is itself a consumer reporting agency unless expressly stated otherwise.

We may share information with service providers that help us operate Credacy, including: Cloud hosting providers; AI providers; Payment processors; Credit-report and monitoring providers; Identity verification providers; Analytics providers; Customer support providers; Security providers; Email and communications providers; Professional advisors; Legal and compliance providers.

We may also disclose information: When required by law; In response to legal process; To protect rights, safety, and security; To prevent fraud; To enforce our Terms; In connection with a merger, acquisition, financing, reorganization, or sale of assets; With your consent.

Credacy does not sell your credit report itself.

Credacy will not sell your Social Security number, credit report, or other sensitive financial information as a standalone product.

Any future change to this practice will be reflected in an updated Privacy Policy and handled in accordance with applicable law.

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information, which may include: Encryption; Access controls; Authentication controls; Monitoring; Secure hosting; Data minimization; Employee access restrictions; Security procedures.

However, no method of transmission or electronic storage is completely secure, and Credacy cannot guarantee absolute security.

Credacy retains personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including: Providing the Services; Maintaining your account; Meeting legal obligations; Resolving disputes; Preventing fraud; Enforcing agreements; Maintaining security; Completing legitimate business purposes.

Different categories of information may have different retention periods.

YOUR RIGHT TO REQUEST DELETION: You may request deletion of personal information associated with your Credacy account. You may submit a deletion request by contacting Credacy@iProfitSolutions.co or through the privacy/account controls made available within Credacy. After receiving and verifying a valid deletion request, Credacy will delete or de-identify personal information that Credacy is legally permitted to delete.

EXCEPTIONS: Credacy may retain information when reasonably necessary to: Comply with legal obligations; Complete a transaction; Detect or prevent fraud; Maintain security; Resolve disputes; Establish, exercise, or defend legal claims; Maintain legally required records; Complete other purposes permitted by applicable law.

Florida's current privacy framework provides qualifying consumers with a right to request deletion of personal data, subject to statutory exceptions.

BACKUPS: Information may remain temporarily in encrypted backup systems after deletion from active systems. Credacy will allow such information to age out according to its backup-retention procedures and will not restore deleted information except when necessary for disaster recovery, security, or legal purposes.

When you close your Credacy account, Credacy will process your information according to its applicable retention and deletion policies.

Account closure does not necessarily constitute immediate deletion of every record.

To request complete deletion, submit a formal data-deletion request.

Depending on your location and applicable law, you may have rights to: Access personal information; Correct inaccurate information; Delete personal information; Obtain a copy of personal information; Request information about how your information is processed; Opt out of certain forms of targeted advertising; Opt out of certain sales or sharing of personal information; Appeal certain privacy decisions.

Florida's 2026 privacy statute expressly provides qualifying consumers rights including access, correction, deletion, portability, and certain opt-out rights.

Credacy may require reasonable verification before fulfilling certain requests.

Credacy may use cookies and similar technologies to: Keep users logged in; Remember preferences; Analyze usage; Improve functionality; Maintain security; Measure marketing performance.

You may be able to control cookies through your browser or device settings.

Credacy is not intended for children under 13.

We do not knowingly collect personal information from children under 13 without legally required parental consent.

If we discover that we have collected such information without appropriate authorization, we will take reasonable steps to delete it.

Credacy may contain links to third-party websites.

Credacy is not responsible for the privacy practices of third-party websites.

You should review their privacy policies before submitting information.

If Credacy is involved in: A merger; Acquisition; Financing; Reorganization; Bankruptcy; Sale of assets; Sale of the company; personal information may be transferred as part of that transaction, subject to applicable law.

Credacy maintains procedures designed to detect, investigate, and respond to security incidents.

If a security incident involving personal information occurs, Credacy will provide notices required by applicable law.

Florida has specific statutory requirements governing the security of personal information and breach notifications.

We may update this Privacy Policy periodically.

When we make material changes, we may notify you through the Services, email, or other appropriate means.

The updated Privacy Policy will include a revised "Last Updated" date.

Credacy Privacy Team

Credacy

Email: Credacy@iProfitSolutions.co