Privacy Policy

Effective Date: September 17, 2025

At CreditsIQ.com, your privacy matters. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, in line with applicable privacy laws and Google AdSense policies. By accessing or using CreditsIQ.com, you agree to the terms outlined below.


1. Information We Collect

We collect both personal and non-personal data for legitimate purposes.

a) Personal Information

You may voluntarily provide personal information, such as:

  • Name
  • Email address
  • Other details submitted via forms, comments, or newsletters

We collect this data when you:

  • Subscribe to our newsletter
  • Leave comments or contact us through the site
  • Participate in surveys or promotions

b) Non-Personal Information (Automatically Collected)

We may automatically collect details about your visit, such as:

  • IP address
  • Browser type and version
  • Device type, operating system, and screen resolution
  • Referring/exit pages
  • Date and time of access
  • Pages visited and time spent
  • Click behavior
  • Approximate location

This data is usually gathered via cookies, pixels, and third-party analytics tools.


2. How We Use Your Information

We may use collected information to:

  • Personalize your experience on the site
  • Improve website functionality and content
  • Send newsletters and updates (if you opt in)
  • Respond to questions or support requests
  • Display relevant advertisements
  • Comply with legal obligations and prevent misuse

We do not sell, rent, or lease your personal data to third parties.


3. Cookies and Tracking Technologies

We use cookies and similar technologies to:

  • Analyze site traffic and user behavior
  • Improve performance and usability
  • Provide social media features
  • Deliver personalized ads through third-party networks

Google AdSense and Cookies:

Google, as a third-party vendor, uses cookies to serve ads on our site. The DART cookie enables Google and its partners to serve ads based on your browsing history and interests.

You can manage or disable cookies in your browser settings. Some features may not function properly if cookies are disabled.

On your first visit, you may be prompted to accept or customize cookie settings in compliance with GDPR and CCPA regulations.


4. Third-Party Services and Advertising

We work with third-party services to enhance your experience:

a) Analytics & Tracking

  • Google Analytics: Helps us understand visitor engagement and improve the site.

b) Advertising Partners

  • Google AdSense and other ad networks: Provide personalized or non-personalized ads.

These third parties have their own privacy policies and may use cookies, web beacons, and similar technologies.


Opt-Out:

You can opt out of personalized ads by visiting:

  • Google Ads Settings


5. Email Marketing

If you opt in, we may use your email to send:

  • News updates
  • Blog alerts
  • Promotions or surveys

You can unsubscribe anytime by clicking the “unsubscribe” link in our emails.


6. Data Security

We use reasonable measures to safeguard your data, including:

  • SSL encryption
  • Secure hosting
  • Regular backups and access restrictions

However, no method of transmission over the internet is 100% secure, so we cannot guarantee absolute protection.


7. Third-Party Links

Our site may include links to external websites we do not control. We are not responsible for their privacy practices, content, or services. Please review their policies before providing any data.


8. Children’s Privacy

CreditsIQ.com is not intended for users under 13. We do not knowingly collect personal data from children. If such data is discovered, we will promptly delete it.


9. Your Privacy Rights

Depending on your location, you may have rights under privacy laws (e.g., GDPR, CCPA), such as:

  • Accessing your data
  • Requesting corrections or deletions
  • Opting out of data collection or sale
  • Withdrawing consent

To exercise these rights, please contact us using the details below.


10. Changes to This Privacy Policy

We may update this policy from time to time. Any changes will appear on this page with an updated Effective Date. Continued use of the site means you accept the updated policy.


11. Contact Us

For questions, concerns, or requests regarding this Privacy Policy, reach us at:

📧 Email: info@creditsiq.com

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