Effective date: March 12, 2020
Update: April 19, 2022
Credit Optimal (“us”, “we”, or “our”) operates the https://www.creditoptimal.com/ website (the “Service”).
Credit Optimal is an unbiased knowledge center about credit building and credit repair. Our goal is to help you make your own, educated decisions to getting your credit life turned around.
We gather the following information from you, personally identifiable information and non-personally identifiable information.
Personally identifiable information is the sort of data that allows to recognize you as an individual. You provide us with it when you sign up and start submitting a request. This information may include but is not limited to: your full name, date of birth, place of residence, phone and mobile phone number, driver’s license, social security number, relevant employment details, income, banking account, credit history, military status.
Non-personally identifiable information relates to the data that doesn’t reveal anything about your identity. This information is anonymous and may include but is not limited to: IP address, Internet provider, browser, language, time of browsing session, clicks, links you followed, etc. Such kind of data is collected through cookies, web beacons and pixel tags.
Cookies are tiny pieces of data sent by a website you visited and stored at your computer.
The terms of web beacons and pixel tags are associated with small transparent graphic images that allow to track behavior of website visitors.
Collecting personal details of users is necessary for business management, technical support improvement and marketing research. We also need your private data to process your application and get you connected with one of our lenders.
By providing your personally identifiable information, you allow us to process your application and connect you with a lender. That also means that we have the right to share this information with a third party because a lender cannot approve your loan without knowing anything about you.
Please note that lenders may verify your personal information by sending requests to national databases and credit reporting agencies. Such inquiries may affect your credit score.
We may share some of your data with our affiliates, partners and other accredited third parties for the purposes of business management, security, advertising, marketing, consumer behavior research, consumer support improvement.
We reserve the right to share your information with another company that has acquired our business, a part of it, or fused with us. In case such a situation takes place, it’s possible that we will inform you about these changes by email or with an announcement posted on our website.
We may share your personally identifiable information if it is required by the law and is necessary to proceed with a legal process or to protect our rights.
By collecting and sharing your non-personally identifiable information with third parties, we improve our technical service, analyze the behavior of our customers and gather web statistics important to management of our business. We may share it with other third parties for these purposes.
By accessing our website, you acknowledge that you know about our marketing practices and agree with them. You have nothing against receiving advertisements, newsletters, marketing messages and other promotional materials from us.
Our third-party partners may also send you their marketing messages using all the contacts you’ve provided us with.
When you start using our website, you acknowledge that you are aware of our marketing practices and that you agree to receive such kind of messages from us and our third-party partners. In case you don’t want to receive marketing messages from us, we give you an option to opt-out. Nevertheless, if you want to opt-out from third parties’ messages, you should contact them directly with this request.
Please note, that we are not responsible for marketing practices of third parties as we do not control them.
To keep your personal information safe, we use safeguards and advanced security systems that correspond to the US law requirements regarding this matter. Only authorized personnel can access your data. They may do so only for business purposes allowed by the current US legislation.
Despite our best efforts, we cannot guarantee total safety of your data. This is impossible due to the fact that we are not able to control law violators.
We render our services exclusively to people over 18 years old. If you are a minor, don’t access our website.
As seen above, we do not deliberately collect data from children. If you are a parent or a legal guardian of a child that accessed our website, please, inform us about the incident using our contacts.
If there is something you would like to discuss with us, please, send us a message via our contact form.