AI Credit Consultant

AI Credit Consultant Privacy Policy

Last Updated January 2025

Your privacy is important to AI Credit Consultant. Throughout this document, the terms “AI Credit Consultant,” “we,” “our,” and “us” refer to AI Credit Consultant. Please read this Privacy Policy carefully to understand how we collect, use, disclose, transfer, and store your information. By visiting our website or engaging with content that links to this document (“Online Ads”), you agree to the practices outlined in this Privacy Policy and our Terms of Use.

1. Collection and Use of Personal Information

Personal Information includes data that can be used to uniquely identify or contact an individual, such as your name, mailing address, email address, phone number, and Social Security Number or Taxpayer Identification Number.

You may be asked to provide Personal Information when you interact with AI Credit Consultant, engage with Online Ads, or request services. We and our service providers may use this information in accordance with this Privacy Policy.

We may supplement the Personal Information you provide with publicly available data or information from third-party sources such as credit bureaus, data aggregators, and financial institutions.

2. Types of Personal Information Collected and Its Use

When using our services, you may provide:

  • Basic Personal Information: Name, mailing address, email address, and phone number.
  • Sensitive Personal Information: Social Security Number (SSN) or Taxpayer Identification Number (TIN).

We use this information to:

  • Verify your identity.
  • Provide requested services.
  • Offer financial and non-financial services through service providers and affiliated companies.
  • Send relevant offers, updates, and marketing materials.
  • Maintain communication and manage our relationship with you.

By providing Personal Information, you consent to its storage and use for these purposes.

3. Communications Policy

Email Communications

We may use your email address to:

  • Confirm your identity.
  • Notify you of account or transaction updates.
  • Request assistance to complete a transaction.
  • Send newsletters, marketing offers, and customer service messages as permitted by law.

We maintain a strict zero-tolerance policy for email abuse. If you receive unsolicited emails from us, report them immediately. AI Credit Consultant is not responsible for communications from unaffiliated third parties.

⚠️ We will never request Personal Information via email. If you receive an email that appears fraudulent, DO NOT respond. Instead, contact us immediately at 281-560-3877.

4. Collection and Use of Non-Personal Information

Non-Personal Information is data that does not directly identify you. We may collect, analyze, and use this data for various purposes, including service improvements and targeted advertising.

Types of Non-Personal Information We Collect

  • Device Information: Includes model, IP address, MAC address, operating system, and browser version.
  • Cookies and Tracking Technologies: These technologies help recognize returning visitors, analyze website usage, and deliver relevant ads.
  • Log Data & Session Replay: Automatically collected information such as IP address, browser details, ISP, page views, and timestamps.
  • Web Beacons & Click-Through URLs: Used to track email engagement and website activity.
  • Anonymized Data: If Personal Information is stripped of identifying details, it is treated as Non-Personal Information.

5. Sharing of Information with Third Parties

Personal Information

AI Credit Consultant does not share your Personal Information with third parties, except under the following circumstances:

  • With Your Consent – We will only share your Personal Information when you explicitly authorize us to do so.
  • Service Providers – We may share Personal Information with trusted companies that assist in providing services on our behalf, in accordance with strict confidentiality and security measures. These services include:
    • Delivering and improving our products and services.
    • Conducting consumer research and satisfaction surveys.
    • Analyzing consumer behavior and optimizing outreach strategies.
    • Fraud prevention, security monitoring, and technical support.
    • Client support, data management, and ensuring data accuracy.
    • Processing financial transactions and accounting services.
    • Advertising, marketing, and service offerings.
  • Legal Requirements – We may disclose Personal Information when necessary to:
    • Comply with applicable laws, regulations, or legal processes.
    • Protect AI Credit Consultant, its clients, or its operations.
    • Investigate and prevent fraud, security breaches, or technical issues.
    • Enforce our Terms of Service.
  • Business Transfers – If AI Credit Consultant undergoes a merger, acquisition, or sale, Personal Information may be transferred to the relevant third party.

Non-Personal Information

We may share Non-Personal Information publicly and with strategic partners to analyze trends, evaluate business performance, and enhance service offerings.

6. Transparency and User Choices

AI Credit Consultant utilizes third-party advertising services, including Google, to display ads based on your past visits to our website. These services use cookies and tracking technologies to optimize ad relevance.

7. Social Media Integration

Our website includes plug-ins for social media platforms such as Facebook, Twitter, LinkedIn, Google, and others. If you interact with these plug-ins, certain data may be shared with the respective social network.

  • To limit data sharing, review the privacy policies of your social media platforms and log out before visiting our website.

8. Information Security and Data Retention

AI Credit Consultant takes security seriously and employs technical, physical, and administrative safeguards to protect your Personal Information.

Security Measures

  • We use SSL encryption on all pages where Personal Information is collected.
  • We restrict unauthorized access to your information and regularly review compliance with security standards.
  • We advise against sharing sensitive information via email or instant messaging, as these are not secure communication methods.

Your Responsibility

To enhance security, we recommend:

  • Using a strong password with uppercase and lowercase letters, numbers, and special characters.
  • Avoiding the use of similar passwords across multiple websites.
  • Utilizing a password length of at least 12-16 characters.

Accessing and Updating Your Information

You may access or update your Personal Information by logging into your account. We may deny requests that:

  • Are excessively repetitive or require significant technical adjustments.
  • Jeopardize the privacy of others.
  • Are impractical due to storage in backups or archived systems.

Data Retention Policy

We retain Personal and Non-Personal Information for the period necessary to fulfill our business and legal obligations. Standard retention is seven (7) years, except where required for legal or regulatory purposes.

While we work to honor deletion requests, residual copies may remain in backups or archives. Data access and correction requests will be processed at no charge unless an unreasonable burden is required.

9. Third-Party Privacy Policies

This Privacy Policy applies only to the collection, use, and disclosure of information by AI Credit Consultant. It does not cover the privacy practices of third-party companies, websites, or individuals that we do not own, control, employ, or manage.

We encourage you to review the privacy policies of any third-party services before disclosing your personal information, as their policies may differ from ours. AI Credit Consultant is not responsible for how third parties collect, use, or protect your information.

If you provided your information to an unrelated entity’s website and that entity later shared your data with us, the privacy policy of the original website will govern their use of your information.

10. Children’s Privacy

AI Credit Consultant does not knowingly collect or solicit Personal Information from children under the age of 13. If we become aware that we have inadvertently collected such information, we will take immediate steps to delete it. If you believe a child under 13 has provided us with personal data, please contact us to request its removal.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or business operations. Updates will be posted on our website, along with the effective revision date.

We encourage you to review this Privacy Policy regularly to stay informed about how we collect, use, and protect your information. Your continued use of our services after updates are posted constitutes acceptance of the revised Privacy Policy.

12. Contact Us

If you have any questions, concerns, or requests related to this Privacy Policy, please reach out to us at:

📧 Email: support@aicreditconsultant.com

If you no longer wish to receive our emails, you can opt out by clicking the unsubscribe link in the footer of any email or adjusting your preferences in your email settings.

Please note that while AI Credit Consultant provides credit consulting services, it is subject to obligations under the Gramm-Leach-Bliley Act (GLBA). The GLBA includes specific definitions that govern privacy-related matters. As a result, terms such as “nonpublic personal information” or “personally identifiable financial information” will take precedence over the definitions of “Personal Information,” “sale,” or other key terms outlined in the California Consumer Privacy Act (CCPA) when they pertain to services provided by AI Credit Consultant, its service providers, or agents.