Privacy Policy

1. Introduction

CreditIQ (“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 analysis platform.

2. Information We Collect

Personal Information

• Name and contact information
• Company information
• Account credentials
• Payment information

Financial Data

• Bank statements and transaction data
• Accounting software data
• Payment processor information
• Credit analysis results

Usage Data

• Log data and analytics
• Device and browser information
• Feature usage patterns

3. How We Use Your Information

We use the collected information to:

• Provide and improve our credit analysis services
• Process transactions and manage accounts
• Communicate with you about our services
• Ensure security and prevent fraud
• Comply with legal obligations
• Develop new features and services

4. Data Security

We implement industry-standard security measures to protect your data:

• 256-bit AES encryption for data at rest
• TLS 1.3 encryption for data in transit
• SOC 2 Type II certification
• Regular security audits and penetration testing
• Strict access controls and authentication

5. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information. We may share your information only in the following circumstances:

• With your explicit consent
• To comply with legal obligations
• With service providers under strict confidentiality agreements
• To protect our rights and prevent fraud

6. Data Retention

We retain your data only as long as necessary to provide our services and comply with legal obligations. You can request data deletion at any time.

7. Your Rights

You have the right to:

• Access your personal information
• Correct inaccurate data
• Request data deletion
• Export your data
• Opt-out of marketing communications
• Lodge a complaint with supervisory authorities

8. Cookies and Tracking

We use cookies and similar technologies to improve your experience. You can control cookie preferences through our cookie consent banner.

9. International Data Transfers

Your data may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for such transfers.

10. Children's Privacy

Our services are not intended for children under 18. We do not knowingly collect information from children.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the “Last updated” date.

12. Contact Us

If you have questions about this Privacy Policy, please contact us at: