Do Not Sell My Personal Information

Our Commitment to Your Privacy

At Creditily, we respect your privacy and are committed to protecting your personal information.

We do not sell your personal information to third parties.
We do not sell, rent, or share your mobile phone number with third parties for marketing purposes.

This page provides information about our data practices and your rights under the California Consumer Privacy Act (CCPA) and other state privacy laws.

What Does “Sell” Mean?

Under California law, “selling” personal information means sharing it with third parties in exchange for monetary or other valuable consideration. This is different from sharing information with service providers who help us operate our business under contractual agreements that protect your data.

We Do Not Sell Your Information

Creditily does not:

Sell your personal information to data brokers
Sell your credit report data to third parties
Sell your contact information (email, phone, address) to marketers
Sell your mobile phone number to third parties
Receive money in exchange for sharing your personal information
Share your SMS consent data with third parties for their marketing purposes

How We Share Information

We only share your information in the following limited circumstances:

Service Providers:We share information with companies that help us operate Creditily, such as payment processors (Stripe, PayPal), cloud hosting providers (AWS, Google Cloud), credit monitoring services (SmartCredit), email service providers (SendGrid, Mailchimp), SMS messaging providers (Twilio), and customer support platforms. These companies are contractually required to protect your information and use it only for the specific services they provide to us. This type of sharing is not considered a “sale” under privacy laws.

Mobile Phone Number Protection: Your mobile phone number and SMS consent data are shared only with our trusted SMS messaging service provider for delivering text messages you opted in to receive. These providers are prohibited from using your mobile phone number for any purpose other than providing messaging services on our behalf.

Affiliate Partners:When you click on offers in our financial services marketplace or apply for third-party products (such as loans, credit cards, or banking products through SuperMoney), you will be directed to that partner's website where their privacy policy applies. We may receive affiliate commissions, but this is not considered a “sale” of your personal information under CCPA.

Legal Requirements: We may disclose your information if required by law, court order, subpoena, or legal process.

Business Transfers: If Creditily is involved in a merger, acquisition, or sale of assets, your information may be transferred. We will notify you of any such change.

Your California Privacy Rights (CCPA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act:

1. Right to Know

You can request information about:

The categories of personal information we have collected about you
The categories of sources from which we collected your information
The business purpose for collecting your information
The categories of third parties with whom we share your information
The specific pieces of personal information we have collected about you

2. Right to Delete

You can request that we delete your personal information, subject to certain legal exceptions such as completing transactions you requested, detecting security incidents, complying with legal obligations, or making internal uses reasonably aligned with your expectations.

3. Right to Opt-Out of Sale

You have the right to opt out of the sale of your personal information. Since we do not sell personal information, there is nothing to opt out of. However, if our practices change in the future, we will update this page and provide you with an opt-out mechanism before any sale occurs.

4. Right to Non-Discrimination

We will not discriminate against you for exercising any of your privacy rights. This means we will not deny you our services, charge you different prices or rates, or provide you with a different level of service quality.

How to Exercise Your Rights

To exercise your California privacy rights, you can:

Email Us: Send a request to support@getcreditily.com with one of these subject lines:

“CCPA REQUEST” — for general CCPA inquiries
“RIGHT TO KNOW REQUEST” — for access requests
“DELETE ACCOUNT” — for deletion requests
“DELETE CREDIT DATA” — for immediate credit data deletion
“PRIVACY REQUEST” — for general privacy inquiries

Account Settings: Some information can be accessed and updated directly in your Creditily account settings, including personal information, communication preferences, SMS notification preferences, and password and security settings.

Verification Process

To protect your privacy and security, we must verify your identity before responding to privacy requests. For requests to know specific pieces of personal information or deletion requests, we will verify your identity to a “reasonably high degree of certainty” by verifying at least three pieces of personal information. You may be required to submit a signed declaration under penalty of perjury.

Response Timeline

We will respond to verified requests within:

45 days for most requests
Up to 90 days for complex requests (we will notify you within 45 days if we need extra time)
15 days for opt-out of sale requests (if applicable in the future)

For data portability requests, we will provide your information in a readily usable format (CSV or JSON).

Authorized Agents

You may designate an authorized agent to make privacy requests on your behalf. The authorized agent must provide written authorization from you, proof of their identity, and verification of your identity. Only you, or a person registered with the California Secretary of State that you authorize, may make a verifiable consumer request related to your personal information.

Information We Collect

The personal information we collect includes:

Identifiers: Name, email address, account credentials, mobile phone number (if you opt in to SMS notifications), IP address, device identifiers
Commercial Information: Subscription history and payment information, products or services you have viewed or considered
Financial Information: Credit report data (imported from SmartCredit), dispute letters you generate, photo ID and proof of address (for Premium members using done-for-you service)
Internet Activity: Usage data, pages visited, features used, browser type, device information, date and time of visits
Communications: Emails, support tickets, feedback, SMS opt-in consent and preferences, survey responses and testimonials

For more details, see our full Privacy Policy.

Other State Privacy Rights

If you are a resident of Virginia, Colorado, Connecticut, Utah, or another state with consumer privacy laws, similar rights may apply to you. Please contact us at support@getcreditily.comwith your state's name in the subject line (e.g., “VIRGINIA PRIVACY REQUEST”) to exercise your rights.

California “Shine the Light” Law

California's “Shine the Light” law (Civil Code Section §1798.83) permits California residents to request certain information about our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, email us at support@getcreditily.comwith “SHINE THE LIGHT REQUEST” in the subject line. As noted above, we do not sell or share your personal information with third parties for their direct marketing purposes.

Children's Privacy

We do not knowingly collect or sell personal information from anyone under 18 years of age. Creditily is not intended for children under 18. If we learn that we have collected information from a child under 18, we will delete it immediately.

Changes to This Page

We may update this page from time to time. If we begin selling personal information in the future, we will update this page, notify you in advance via email, and provide you with an opt-out mechanism before any sale occurs.

Your continued use of Creditily after changes constitutes acceptance of the updated policy.

Questions?

If you have questions about our data practices or your privacy rights, please contact us:

Email: support@getcreditily.com
(Use subject lines: “CCPA REQUEST”, “PRIVACY REQUEST”, “DELETE ACCOUNT”, or “SHINE THE LIGHT REQUEST”)
Address: Creditily, 5001 California Ave Suite 219, Bakersfield, CA 93309

We will respond to privacy requests within 45 days (or up to 90 days for complex requests).

Additional Resources

For our complete privacy practices, see our full Privacy Policy.