Privacy Policy

Effective Date: 13/9/2025
Last Updated: 13/9/2025

1. INTRODUCTION

US Credit Doctor (“we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

2. INFORMATION WE COLLECT

Personal Information

  • Name, address, phone number, email address
  • Social Security Number (for credit report analysis)
  • Date of birth
  • Financial information (income, debts, credit accounts)
  • Employment information
  • Credit reports and credit scores

Automatically Collected Information

  • IP address and device information
  • Browser type and version
  • Pages visited and time spent on site
  • Referring website addresses
  • Cookies and similar tracking technologies

3. HOW WE USE YOUR INFORMATION

We use your information to:

  • Provide credit consultation and coaching services
  • Analyze your credit reports and financial situation
  • Communicate with you about our services
  • Process payments and billing
  • Improve our services and website
  • Comply with legal obligations
  • Send marketing communications (with your consent)

4. INFORMATION SHARING AND DISCLOSURE

We may share your information with:

  • Service Providers: Third-party vendors who assist in providing our services
  • Credit Bureaus: When necessary to obtain credit reports or dispute information
  • Legal Compliance: When required by law, court order, or government request
  • Business Transfers: In connection with a merger, sale, or transfer of assets

We do not sell, trade, or rent your personal information to third parties for marketing purposes without your explicit consent.

5. DATA SECURITY

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

  • Encryption of sensitive data
  • Secure servers and databases
  • Access controls and authentication
  • Regular security assessments

6. YOUR RIGHTS AND CHOICES

You have the right to:

  • Access your personal information
  • Correct inaccurate information
  • Request deletion of your information
  • Opt-out of marketing communications
  • Restrict processing of your information
  • Data portability (where applicable)

7. COOKIES AND TRACKING TECHNOLOGIES

We use cookies and similar technologies to:

  • Remember your preferences
  • Analyze site usage and performance
  • Provide personalized content
  • Enable certain website functionality

You can control cookie settings through your browser preferences.

8. RETENTION OF INFORMATION

We retain your personal information for as long as necessary to:

  • Provide our services
  • Comply with legal obligations
  • Resolve disputes
  • Enforce our agreements

Financial and credit-related information may be retained for up to 7 years as required by law.

9. CHILDREN’S PRIVACY

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18.

10. STATE-SPECIFIC PRIVACY RIGHTS

California Residents (CCPA/CPRA)

California residents have additional rights including:

  • Right to know what personal information is collected
  • Right to delete personal information
  • Right to opt-out of sale of personal information
  • Right to non-discrimination for exercising privacy rights

Other State Laws

We comply with applicable state privacy laws including those in Virginia, Colorado, Connecticut, and other jurisdictions.

11. INTERNATIONAL DATA TRANSFERS

If you are located outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated.

12. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on our website and updating the “Last Updated” date.

13. DATA PROTECTION OFFICER

For questions specifically related to data protection and privacy, you may contact our Data Protection Officer here.