Your privacy is a cornerstone of our commitment to you at Credit of America, LLC ("Credit of America," "we," "us," or "our"). This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal and financial information when you interact with our website, apply for, or use our credit builder loan services (collectively, the "Services").

​

By using our Services, you consent to the data practices described in this policy. We are dedicated to handling your information responsibly and in compliance with applicable data protection laws, including the Gramm-Leach-Bliley Act (GLBA).

To provide our Services effectively, we collect both personal and non-personal information. Given the financial nature of our services, this includes sensitive data required for loan underwriting, processing, and credit reporting.

​

Personal Information We May Collect:

• Identity & Contact Data: Full name, date of birth, Social Security Number (SSN), mailing address, email address, and phone number.

• Financial Data: Bank account information, income details, employment history, credit history, and other financial information necessary to assess your eligibility for our credit builder loans.

• Transactional Data: Details about payments to and from you, and other details of products and services you have purchased from us.

• Communications: Records and copies of your correspondence if you contact us (including email and phone call recordings).

• ​

Non-Personal Information:

• Technical Data: Internet Protocol (IP) address, browser type and version, time zone setting, operating system, and platform.

• Usage Data: Information about how you use our website, products, and services, such as pages visited, features used, and time spent on our site.

• Tracking Data: Information collected through cookies and other similar tracking technologies.

We use the information we collect for legitimate business purposes, including:

​

• To Provide and Manage Services: To process your application for a credit builder loan, manage your account, process payments, and fulfill our contractual obligations.

• For Credit Reporting: To report your loan payment history to one or more national credit bureaus, which is a core feature of our credit builder service.

• For Communication: To communicate with you regarding your account, send important notices, provide customer support, and respond to your inquiries.

• To Improve Our Services: To analyze usage trends and user feedback to improve our website, product offerings, and overall customer experience.

• For Legal and Security Purposes: To verify your identity, prevent fraud, comply with legal and regulatory requirements, and enforce our Terms and Conditions.

• For Marketing: To send you information about products, services, and promotions that may be of interest to you, where you have provided consent to receive such communications.

We do not sell or rent your personal information to third parties. We only share your information in the following limited circumstances:

​

• Credit Bureaus: We share your loan payment and account status information with credit reporting agencies (such as Equifax, Experian, and TransUnion) as a fundamental part of our credit builder loan service.

• Third-Party Service Providers: We may share information with trusted vendors who perform services on our behalf, such as payment processing, data analysis, IT support, and customer service. These providers are contractually obligated to protect your data and are not permitted to use it for their own purposes.

• Legal Compliance and Protection: We may disclose your information if required by law, subpoena, or other legal process, or if we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

• Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your personal information may be transferred to the acquiring entity as part of the transaction.

We implement and maintain reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. These measures include data encryption, firewalls, and secure access controls. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee its absolute security.

Our website uses cookies and similar technologies to enhance user experience, analyze site traffic, and personalize content. Cookies are small files stored on your device. You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. Please note that disabling cookies may affect the functionality of our website.

You have certain rights regarding the personal information we hold about you. Subject to local law, these rights may include:

• Access and Correction: You have the right to request access to your personal information and to request that any inaccurate information be corrected.

• Opting Out of Marketing: You can opt out of receiving promotional emails from us by following the "unsubscribe" link provided in those emails. Please note that you will continue to receive transactional communications related to your account.

• Data Deletion: You may request the deletion of your personal information, subject to certain exceptions. For legal and regulatory reasons, we may be required to retain certain information, particularly data related to your loan account and credit reporting history, for a specified period.

To exercise these rights, please contact us using the information provided in Section 11.

Our website may contain links to other websites not operated or controlled by us. This Privacy Policy does not apply to third-party websites. We encourage you to review the privacy policies of any third-party sites you visit.

Our Services are not intended for or directed at individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected personal data from a child under 18, we will take steps to delete that information promptly.

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post any changes on this page and update the "Effective Date" at the top of this policy. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

​

Credit of America, LLC
Email: privacy@creditofamerica.com
Phone: (800) 799-8154
Address: 21470 Coolidge Hwy Suite 4, Oak Park, MI 48237