Privacy Policy

We collect and use your information in a variety of ways. For example, we collect information directly from you when you fill out a form or otherwise communicate with us. We also collect certain information from you or your device automatically when you interact with our Services such as activity or usage information. The types of information about you that you provide and that we collect automatically through our Services are listed below along with our uses of that information.

• In addition, we may use the above categories of information to create de-identified, anonymized, or aggregated information that no longer identifies or relates to a specific person. We take reasonable measures to ensure that deidentified information cannot be associated with an individual or household, and we will maintain and use such information in deidentified form and not attempt to reidentify any such information. We will also contractually obligate any recipients of deidentified information to do the same.
• We may also use the personal information listed above to comply with legal and financial obligations and/or to carry out any other purpose described to you at the time the information was collected.

Information We Collect from Other Sources

In addition to collecting information from you, we obtain information from other sources. For example, we may collect and process information from identity verification providers and risk assessment providers for identity verification and fraud prevention purposes. We may obtain credit reports or other consumer reports from credit bureaus or consumer reporting agencies. In addition, if you choose to connect your Credit Genie account with third party services provided by service providers like Plaid (as described below), you direct us to import certain information directly from third party sources rather than having to upload that information manually.

Plaid Technologies
Credit Genie enables you to use Plaid Technologies, Inc. ("Plaid") to gather data from financial institutions. By using the Services and integrating your Credit Genie Account with Plaid, you acknowledge and agree that your information will be processed in accordance with the Plaid Privacy Policy.

Ask Genie
When you use our Ask Genie Services, we use your account information, including the information you disclose to us through Plaid, to respond to your questions. Ask Genie does not retain any of that information and uses it only to respond to your questions.

Information We Derive

We may derive information or draw inferences about you based on the information we collect. For example, we may make inferences about your approximate location based on your IP address. For identity verification purposes, our third-party service provider derives Facial Data from the ID and selfie you provide.

Retention of Personal Information

We will retain your personal information for as long as reasonably necessary to carry out the purposes disclosed in this policy.

We disclose the following categories of personal information to the recipients described below for the following business purposes or as otherwise described in this policy. We describe below certain information we might disclose about you relating to our Services and the purposes of that disclosure:

Biometric Information Policy

For identity verification purposes in connection with providing certain financial services, our third-party service provider collects images of your ID and a selfie photo or video to extract Facial Data in order to determine whether they are a match. As explained above and in the consent you provide to collect this information, Facial Data may be considered biometric information in some jurisdictions. Credit Genie does not collect or have access to Facial Data. Rather, our service provider generates Facial Data and permanently destroys it in accordance with its retention schedule. See our service provider's Biometric Policy for information about how it collects and retains Facial Data. Our service provider retains a copy of your ID and selfie photo or video on our behalf for as long as you have a relationship with us. Facial Data is used solely to verify your identity, and our service provider does not sell Facial Data.

We engage others to provide analytics services across the web and in mobile apps, serve advertisements, and perform related services. These entities may use cookies, pixels, SDKs, web beacons, device identifiers, and other technologies to collect information about your use of our Services and other websites and applications, including your IP address, web browser, mobile network information, pages viewed, time spent on pages or in mobile apps, links clicked, and conversion information. Credit Genie and others may use this information to deliver advertising targeted to you on other companies' websites and mobile apps, understand the effectiveness of this advertising, analyze and track data, determine the popularity of certain content, and better understand your activity. Depending on where you reside, you can opt out of ad targeting through cookies and similar technologies on our website by visiting support.creditgenie.com. Your opt-out choice will be linked to your browser only; therefore, you will need to renew your opt-out choice if you visit our website from a new device or browser, or if you clear your browsers' cookies. From within our mobile app, you can opt out of these activities by navigating to the Profile tab and tapping on Help request.

In addition to ad targeting activities that rely on cookies and similar technologies, we work with advertising partners to translate other identifiers, such as your email address or phone number, into a unique identifier (called a hashed value) that such partners can then use to show ads that promote Credit Genie to you or others that are similar to you across the web and in mobile apps. Depending on where you reside, you may opt out of these disclosures by filling out our web form.
For more information about the cookies and other tracking technologies we use, and the choices available to you, see the Your Choices section below.

Google Analytics. We use Google Analytics to recognize you and link the devices you use when you visit our Sites or services on your browser or mobile device, log in to your account on our services, or otherwise engage with us. We share a unique identifier, like a user ID or hashed email address, with Google to facilitate the service. Google Analytics allows us to better understand how our users interact with our service and to tailor our content to you. We may also utilize certain forms of display advertising and other advanced features through Google Analytics. These features enable us to use first-party cookies (such as the Google Analytics cookie) to inform, optimize, and display ads based on your past visits to the services. For information on how Google Analytics collects and processes data, as well as how you can control information sent to Google, go to the Google Analytics Privacy Policy or to Google Opt-Outs to learn about Google Analytics' currently available opt-outs. You may control your advertising preferences or opt-out of certain Google advertising products by visiting the Google Ads Preferences Manager or NAI's online resources.

You can also learn more about interest-based ads, or opt out of having your web browsing information used for behavioral advertising purposes by companies that participate in the Digital Advertising Alliance, by visiting www.aboutads.info/choices.

Account Information

You may update and correct certain account information at any time by logging into your account and editing your information. If you wish to deactivate your profile, please contact us at support.creditgenie.com, but note that we may retain certain information as required by law or for our legitimate business purposes.

Cookies

Most web browsers are set to accept cookies by default. If you prefer, you can usually adjust your browser settings to remove or reject browser cookies. Please note that removing or rejecting cookies could affect the availability and functionality of our Services.

The California Consumer Privacy Act or “CCPA” (Cal. Civ. Code § 1798.100 et seq.), as amended by the California Privacy Rights Act ("CPRA"), affords consumers residing in California certain rights with respect to their personal information. So, in addition to the notices provided above, if you are a California resident, this section applies to you as indicated. This section does not apply, however, to personal information we collect in connection with Credit Genie Services, which is governed by our U.S. Consumer Privacy Notice.

California Sales and Sharing of Personal Information

California law requires that we provide transparency about personal information we "sell" or "share." "Sale," for the purposes of the CCPA, broadly means scenarios in which we have disclosed personal information with partners in exchange for valuable consideration, while "sharing" means we have disclosed information to a third party for cross-context behavioral advertising. In addition, the CCPA has been interpreted to deem this "sharing" to also be a form of "sale." Accordingly, in the preceding twelve (12) months, Credit Genie has "sold" or "shared" your personal information, including your identifiers and internet or other electronic network activity, to or with third parties for cross-context behavioral advertising, such as targeting of advertising to you based on your personal information obtained from your activity across businesses, websites, apps, and services other than our Services. See the Targeted Advertising and Analytics section above for more information about behavioral advertising.

We do not knowingly sell or share personal information about consumers under the age of 16.

Subject to certain limitations, you have the right to (1) request to know more about the categories and specific pieces of personal information we collect, use, and disclose, (2) request correction of your personal information, (3) request deletion of your personal information, (4) request to opt-out of sharing/selling of your personal information, and (5) not be discriminated against for exercising these rights. You may make these requests by filling out this web form. You can opt out of sales, sharing, or targeted advertising by filling out our web form. If we need to further verify your request, we may do so by asking you to provide information related to your interactions with us.

If we deny your request, you may appeal our decision by contacting us at legal@creditgenie.com.

Opt–out Preference Signals

Some browsers allow you to enable privacy-controls in the browser's settings to automatically signal your opt-out preference to the websites you visit (e.g., Global Privacy Control). To the extent we are required to offer opt-outs through Global Privacy Control, we honor these signals as a valid request to opt-out of the sharing of information linked to your browser. Please be aware, however, that opt-out preference tools are limited to the browser or device you are using. Also, to maintain your privacy preferences, your browser may save some information in its cookies and cache, and if you clear cookies, you may remove your opt–out preferences so that you may have to opt–out again.

Authorized Agents

If we receive your request from an authorized agent and they do not provide a valid power of attorney, we may ask the authorized agent to provide proof that you gave the agent signed permission to submit the request to exercise rights on your behalf. In the absence of a valid power of attorney, we may also require you to verify your own identity directly with us or confirm to us that you otherwise provided the authorized agent permission to submit the request. If you are an authorized agent seeking to make a request, please fill out this web form.

Notice of Financial Incentive

We provide discounts, rewards, exclusive offers, or other benefits to customers who sign up for certain service features or who participate in a promotional campaign where you provide us personal data. These offerings may constitute "financial incentives" under certain state privacy laws (for simplicity, we refer to these collectively as "financial incentives"). If you decide to participate in a financial incentive, we may collect personal information from you, such as identifiers (like your name, email address), commercial information (like purchase history), internet or other electronic network activity (like apps on your device or that you download and your usage activity, device ID), and inferences from information collected through cookies, web beacons, and other technologies. Our Earn Services collects information about the apps on your device and tracks you usage of certain apps in order to award rewards.
Credit Genie uses this information to provide the program, feature, or benefit you requested. We may disclose this Information to our service providers, contractors, and consultants who perform services on our behalf and to those third parties to whom you direct that we provide your information.
You can opt into a financial incentive by following the sign-up or participation instructions provided, and you have the ability to opt-out at any time by following the instructions set forth in the applicable program or promotional campaign or contacting us at legal@creditgenie.com and reference in the subject line “Opt-out of Earn Services.” If you request that we delete any of your personal information that is essential to providing you with the financial incentive, we may not be able to provide you with the benefits of that program.
In some cases, we may provide additional terms and conditions, which we will provide to you when you sign up. The value of your personal information is reasonably related to the value of the offer, reward, or discount presented to you.

If you have any questions about this Privacy Policy, please contact us at support.creditgenie.com.