Privacy Policy

1. Introduction

CreditGlow ("we," "our," or "us") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website at creditglow.co (the "Service").

Please read this Privacy Policy carefully. By using the Service, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Information You Provide Directly

• Account Information: Email address, name, and password when you create an account
• Payment Information: Processed by our payment provider Paddle (we do not store credit card details)
• Calculator Inputs: Financial information you enter into our tools (stored only if you save it)
• Communications: Information you provide when contacting support or subscribing to newsletters

2.2 Information Collected Automatically

• Usage Data: Pages visited, tools used, time spent on pages, click patterns
• Device Information: IP address, browser type, operating system, device type
• Cookies: Session cookies, preference cookies, and analytics cookies
• Analytics: Google Analytics data about site usage and user behavior

2.3 Information We Do NOT Collect

• Social Security Numbers
• Full credit card numbers (handled by Paddle)
• Bank account details
• Credit reports or scores from credit bureaus

3. How We Use Your Information

We use the collected information for the following purposes:

• Provide and maintain the Service
• Process transactions and send transaction notifications
• Respond to your comments, questions, and customer service requests
• Send you technical notices, updates, and support messages
• Send marketing communications (with your consent)
• Monitor and analyze trends, usage, and activities
• Detect, prevent, and address technical issues
• Protect against fraudulent or illegal activity
• Comply with legal obligations

4. Legal Basis for Processing (GDPR)

If you are from the European Economic Area (EEA), our legal basis for processing your personal information includes:

• Consent: You have given consent for processing (e.g., marketing emails)
• Contract: Processing is necessary for our contract with you (e.g., providing Pro features)
• Legal Obligations: Processing is necessary for compliance with legal obligations
• Legitimate Interests: Processing is necessary for our legitimate interests (e.g., fraud prevention)

5. Data Sharing and Disclosure

We may share your information in the following situations:

5.1 Service Providers

• Paddle: Payment processing and subscription management
• ConvertKit/Mailchimp: Email marketing services
• Google Analytics: Website analytics
• Hosting Providers: Website hosting and infrastructure

5.2 Business Transfers

If we are involved in a merger, acquisition, or asset sale, your information may be transferred. We will provide notice before your information is transferred and becomes subject to a different Privacy Policy.

5.3 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., court orders or government agencies).

5.4 Affiliate Disclosure

We participate in affiliate programs. When you click on certain links, we may receive a commission. This does not affect the price you pay, and we only recommend products we believe provide value.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal data, including:

• SSL encryption for data transmission
• Secure password hashing
• Regular security audits
• Limited access to personal data on a need-to-know basis
• Regular backups and disaster recovery procedures

However, no method of transmission over the Internet is 100% secure. While we strive to protect your personal data, we cannot guarantee absolute security.

7. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy:

• Account Data: Retained while your account is active plus 30 days after deletion
• Transaction Records: Retained for 7 years for tax and accounting purposes
• Marketing Data: Retained until you unsubscribe or request deletion
• Analytics Data: Aggregated and anonymized after 26 months
• Tool Inputs: Not stored unless you explicitly save them to your account

8. Your Rights and Choices

8.1 Access and Portability

You have the right to request a copy of the personal data we hold about you in a structured, commonly used format.

8.2 Correction

You can update your account information at any time through your account settings or by contacting us.

8.3 Deletion

You can request deletion of your personal data. Note that we may need to retain certain information for legal obligations.

8.4 Opt-Out

• Marketing Emails: Unsubscribe link in every email or account settings
• Cookies: Adjust your browser settings to refuse cookies
• Analytics: Use Google Analytics opt-out browser extension

8.5 Do Not Track

We do not currently respond to Do Not Track browser signals.

9. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights:

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information
• Right to opt-out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising privacy rights

To exercise these rights, contact us at privacy@creditglow.co.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws different from your country. We ensure appropriate safeguards are in place for such transfers.

11. Children's Privacy

Our Service is not intended for children under 18. We do not knowingly collect personal data from children under 18. If you become aware that a child has provided us with personal data, please contact us immediately.

12. Cookies Policy

12.1 What Are Cookies

Cookies are small text files stored on your device when you visit our website.

12.2 How We Use Cookies

• Essential Cookies: Required for the website to function properly
• Analytics Cookies: Help us understand how visitors use our site
• Preference Cookies: Remember your settings and preferences
• Marketing Cookies: Track the effectiveness of our marketing campaigns

12.3 Managing Cookies

You can control cookies through your browser settings. Note that disabling cookies may affect the functionality of our Service.

13. Third-Party Links

Our Service may contain links to third-party websites. We are not responsible for the privacy practices of these sites. We encourage you to read their privacy policies.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. For material changes, we will provide additional notice via email or through the Service.

15. Contact Us

If you have questions about this Privacy Policy or your personal data, please contact us:

For EU residents: You have the right to lodge a complaint with your local supervisory authority if you believe your rights under GDPR have been violated.