Privacy Policy
Last Updated: November 15, 2025
Introduction
Credit2Credit LLC ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our credit building and rent reporting services.
Information We Collect
Personal Information
- Name, email address, phone number
- Date of birth and Social Security Number (for credit reporting)
- Residential address and lease information
- Bank account information (securely processed via Plaid)
- Credit score data (when provided or from SmartCredit)
Automatically Collected Information
- Device information and IP address
- Browser type and usage patterns
- Cookies and similar tracking technologies
How We Use Your Information
- Process and report your rent payments to credit bureaus
- Provide personalized credit card recommendations
- Calculate credit score projections and financial insights
- Communicate with you about your account and services
- Process affiliate commissions and payouts
- Improve our services and user experience
- Comply with legal obligations
Data Security
We implement industry-standard security measures to protect your information:
- 256-bit SSL encryption for all data transmission
- Bank-level security protocols for financial data
- Encrypted storage of sensitive information (SSN, bank details)
- Regular security audits and compliance monitoring
- Limited employee access to personal information
Information Sharing
We share your information only in the following circumstances:
- Credit Bureaus: Experian, Equifax, TransUnion (for rent reporting)
- Service Providers: Plaid (banking), SmartCredit (monitoring), payment processors
- Affiliates: Basic conversion data for commission tracking (no sensitive info)
- Legal Requirements: When required by law or to protect our rights
- Business Transfers: In case of merger, acquisition, or sale of assets
We NEVER sell your personal information to third parties for marketing purposes.
Your Rights
You have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate data
- Request deletion of your data (subject to legal obligations)
- Opt-out of marketing communications
- Cancel your rent reporting service at any time
- Revoke bank connection authorization
Cookies and Tracking
We use cookies and similar technologies to enhance your experience, analyze usage patterns, and track affiliate referrals. You can control cookie settings through your browser, but disabling cookies may limit functionality.
Third-Party Services
Our services integrate with third-party platforms:
- SmartCredit: Credit monitoring and score tracking
- Plaid: Secure bank account connection
- Credit Card Issuers: Application processing
These services have their own privacy policies. We encourage you to review them.
Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors.
Changes to This Policy
We may update this Privacy Policy periodically. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our services after changes constitutes acceptance.
Contact Us
If you have questions about this Privacy Policy or wish to exercise your rights:
Credit2Credit LLC
Email: privacy@credit2credit.com
Address: [Your Business Address]