Privacy Policy

This Privacy Policy outlines how Sure Credit ("Sure Credit," "we," "us," or "our") collects, uses, discloses, and safeguards the personal information of individuals who access or use our website, www.surecredit.io, and any of our related online platforms, products, or services (collectively, the "Services"). We are committed to protecting your privacy and ensuring transparency in how your personal data is handled. For the purposes of the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), Sure Credit acts as a 'business' when determining the purposes and means of processing personal information. This Policy has been prepared in accordance with applicable data protection laws and regulations in the United States, including the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA).

1. Information We Collect

We collect various types of information to provide and improve our Services, to deliver personalised experiences, and to meet our legal obligations. The categories of personal information we may collect include:

Identifiers: such as your full name, email address, phone number, mailing address, drivers license number, passport number, state identification number, IP address, and login credentials.

Personal Information: such as employment history, medical history, education history and insurances you may hold.

Financial Information: including your credit report data and credit scores obtained through read-only access from major credit bureaus—Experian, Equifax, and TransUnion. Income expenditure, application data, and banking account information.

Internet or Other Network Activity Information: such as the type of device you use, browser information, operating system, web pages visited, the duration of your visits, and how you interact with our content.

Geolocation Data: which may be derived from your IP address or device settings and used to customise your experience.

Commercial Information: including records of subscriptions, purchase history, product interactions, and service usage patterns.

2. How We Collect Information

Directly from you, when you register for an account, submit a form, contact our support team, respond to surveys, or otherwise provide information to us voluntarily.

Automatically, using cookies, web beacons, log files, and other similar technologies that collect technical and interaction data when you visit our Website or use our Services.

From third-party sources, such as credit bureaus and service providers who supply us with data based on your authorisation or interactions through our Services.

3. How We Use Your Information

The personal information we collect is used for a variety of legitimate business purposes, including:

4. How We Share Your Information

With credit bureaus, where necessary and authorised by you, to display your credit information.

With trusted service providers, who support us in delivering core business operations such as data hosting, subscription billing, user analytics, IT support, and customer communications. These parties are bound by confidentiality obligations and are not permitted to use your personal information for their own purposes.

With advertising and affiliate partners, when you interact with links to third-party financial products or services, including loan offers. These interactions may result in us receiving compensation. In line with our Advertising Disclosure.

With regulators or law enforcement agencies, where required by applicable law, court orders, or government requests.

Sure Credit does not sell your personal information indiscriminately in exchange for money. However, we may share your personal data with advertising and analytics partners through the use of third-party cookies or similar tracking technologies. These practices may be deemed a "sale" or "sharing" under laws like the CPRA.

You have the right to opt out of these practices where applicable. However, the use of certain cookies or the sharing of data with partners for advertising purposes may be required for the proper and full delivery of the Services.

5. Your Privacy Rights

Depending on your state of residence, you may have the following rights with respect to your personal data:

Right to Know: You can request information about the categories and specific pieces of personal data we have collected about you.

Right to Delete: You can request that we delete personal data we have collected, subject to certain legal exceptions.

Right to Correct: You can ask us to correct inaccurate personal data in our records.

Right to Opt-Out of Sale or Sharing: You may direct us not to sell or share your personal data with third parties.

Right to Limit Use of Sensitive Information: If we collect sensitive personal data, you can request to limit how we use or disclose it.

Right to Non-Discrimination: We will not deny you services, charge different prices, or offer different service levels because you exercised your privacy rights.

To exercise any of these rights, please contact us by emailing [email protected] and include "Privacy Request" in the subject line. We may require verification of your identity before processing your request.

6. Data Retention

We retain personal information for as long as it is necessary to fulfil the purposes described in this Policy, including for the purposes of satisfying legal, accounting, or reporting requirements. In general, we retain user data for the duration of your relationship with Sure Credit and for up to seven (7) years thereafter unless a longer period is required by law. When we no longer need the information, we will securely delete or anonymise it, unless legally required to retain it for a longer period. When we no longer need the information, we will securely delete or anonymise it, unless legally required to retain it for a longer period.

7. Cookies and Tracking Technologies

We use cookies, pixels, and similar tracking technologies to collect information about how users interact with our Services. Cookies help us understand your preferences, improve website performance, and offer tailored content and advertisements. You may disable cookies through your browser settings, but some features of the Services may not function properly.

8. Data Security

We take reasonable steps to protect the personal information we collect from loss, misuse, unauthorised access, disclosure, alteration, or destruction. These steps include technical safeguards (like encryption and firewalls) and organisational controls (like access limitations and training).

However, no method of transmission or storage is 100% secure. Therefore, while we strive to protect your personal data, we cannot guarantee absolute security.

9. Children's Privacy

Sure Credit's Services are not directed to, nor intended for, children under the age of 13. We do not knowingly collect or solicit personal information from children. If we become aware that a child under 13 has provided us with personal data, we will take steps to delete such information.

10. Changes to This Policy

We may revise this Privacy Policy periodically to reflect changes in legal requirements, our practices, or the Services we offer. When we make changes, we will update the "Effective Date" at the top of this Policy and post the revised version on our Website. We encourage you to review the Policy regularly to stay informed.

11. Contact Us

If you have any questions, concerns, or complaints about this Privacy Policy or our data practices, you can contact us by:

Appendix: State-Specific Privacy Disclosures

This appendix supplements our Privacy Policy and applies to residents of certain U.S. states where specific consumer privacy rights and obligations are mandated by law. If you reside in one of the states listed below, the additional disclosures and rights may apply to you.

California (CCPA/CPRA)

You have the rights to know, delete, correct, opt out of sale or sharing, and limit use of sensitive information as described in Section 5.

We provide a mechanism to submit requests via [email protected] with the subject line "Privacy Request."

We do not knowingly sell the personal information of California residents.

Colorado (CPA)

You have the right to access, correct, delete, and obtain a portable copy of your personal data.

You may also opt out of the processing of personal data for targeted advertising, sale, or profiling.

Connecticut (CTDPA)

You may request access to your personal data and request its deletion or correction.

You may also opt out of targeted advertising and the sale of personal data.

Virginia (VCDPA)

You have rights to access, correct, delete, and obtain a copy of personal data.

You may opt out of the sale of personal data, targeted advertising, and profiling.

Utah (UCPA, effective Dec 31, 2023)

You may access or delete personal data and opt out of the sale of personal data and targeted advertising.

Sensitive data processing requires consent.

Vermont

We do not share credit information with affiliates or third parties without your consent, unless permitted by law.

Vermont residents may request additional details about how their credit information is handled by emailing us.

For all state privacy law requests, we may ask you to verify your identity before responding. If we deny your request, you may appeal by contacting us using the same methods above and noting "Appeal Request" in your subject line. We will review and respond to your appeal within the timeframe required under applicable law (typically within 45 days).