Privacy Policy

1. Introduction

CreditHQ ("we," "us," or "our") provides business credit consulting services for solopreneurs. We help solopreneurs optimize their credit card strategy and maximize rewards without affiliate bias. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website credithq.com and use our consulting services.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site or use our services.

2. Information We Collect

2.1 Information You Provide

We collect information that you voluntarily provide to us when you:

• Book a free consultation call
• Fill out forms on our website
• Request customer support
• Use our credit strategy consulting services
• Communicate with us via email or other channels

This information may include:

• Name and contact information (email address, phone number)
• Company name and size
• Business spending patterns and categories
• Current credit card information (for strategy development)
• Payment information (processed securely by our payment processors)
• Any other information you choose to provide

2.2 Automatically Collected Information

When you visit our website, we automatically collect certain information about your device, including:

• IP address and general location data
• Browser type and version
• Operating system
• Pages visited, time spent on pages, and navigation paths
• Referring website addresses
• Date and time of visits

2.3 Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to collect information about your browsing activities. Cookies are small data files stored on your device that help us improve our services and your experience.

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our website.

3. How We Use Your Information

We use the information we collect for the following purposes:

• Provide Services: To deliver personalized credit strategy consulting, analyze your spending patterns, and recommend optimal credit card stacks
• Communications: To send administrative information, service updates, consultation confirmations, and respond to inquiries
• Marketing: To send promotional communications about our services (with your consent where required)
• Improvement: To analyze usage patterns, improve our consulting services, and develop new features
• Security: To detect, prevent, and address fraud, security issues, and technical problems
• Legal Compliance: To comply with applicable laws, regulations, and legal processes
• Business Operations: To facilitate transactions, process payments, and manage customer relationships

4. How We Share Your Information

We may share your information in the following circumstances:

• Service Providers: With third-party vendors who perform services on our behalf (payment processing, hosting, analytics)
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Legal Requirements: When required by law, court order, or government regulation
• Protection of Rights: To protect our rights, privacy, safety, or property, and that of our users
• With Your Consent: When you explicitly authorize us to share your information

We do not sell your personal information to third parties. We do not receive affiliate commissions from credit card companies.

5. Data Security

We implement appropriate technical and organizational security measures to protect your information against unauthorized access, alteration, disclosure, or destruction. Our security measures include:

• Encryption of data in transit and at rest
• Regular security audits
• Access controls and authentication protocols
• Employee training on data protection and security

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Retention periods vary based on:

• The nature of the information collected
• Legal and regulatory requirements
• The purpose for which the information was collected
• Whether you have requested deletion of your information

7. Your Data Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Restriction: Request restriction of processing of your information
• Portability: Request transfer of your information to another service provider
• Objection: Object to our processing of your information
• Withdraw Consent: Withdraw consent for marketing communications

To exercise these rights, please contact us at support@credithq.com. We will respond to your request within 30 days.

8. California Privacy Rights (CCPA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information held by businesses
• Right to opt-out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising CCPA rights

To exercise your CCPA rights, contact us at support@credithq.com.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child without parental consent, we will take steps to delete such information promptly.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. By using our services, you consent to the transfer of your information to the United States and other countries where we operate.

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of material changes by posting the updated policy on our website with a new "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the updated policy.

13. Contact Us

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