Privacy Policy

Last updated: May 28, 2025

This Privacy Policy explains how Credjyo ("we," "us," or "our") collects, uses, and protects information when you visit credjyo.com. By using our website, you agree to this policy.

1. Information We Collect

We may collect the following types of information when you use our website:

**Personal Information:** Name, email address, phone number, and state of residence when you submit inquiry forms or subscribe to our newsletter.

**Usage Data:** IP address, browser type, pages visited, time spent on pages, referring URLs, and device information collected automatically through cookies and analytics tools.

**Financial Information:** We do NOT collect sensitive financial information such as bank account numbers, Social Security Numbers, or credit card details. This information is only requested by our lender partners directly.

2. How We Use Your Information

We use collected information to:

Provide and improve our loan comparison services

Send newsletters and financial tips (with your consent)

Analyze website usage to improve user experience

Connect you with appropriate lender partners

Comply with legal obligations

Prevent fraud and ensure site security

3. Sharing Your Information

We may share your information with:

**Lender Partners:** When you click on an affiliate link or submit an inquiry, we may share necessary information with our lender network partners.

**Analytics Providers:** We use Google Analytics and similar tools to understand website usage. These providers have their own privacy policies.

**Legal Requirements:** We will disclose information if required by law, court order, or government authority.

We do NOT sell your personal information to third-party marketers.

4. Cookies and Tracking

We use cookies and similar tracking technologies to:

Remember your preferences

Analyze traffic patterns

Track affiliate link clicks for compensation purposes

Enable social media features

You can control cookie settings through your browser. Note that disabling cookies may affect site functionality. We use both session cookies (deleted when you close your browser) and persistent cookies (stored for a set period).

5. California Privacy Rights (CCPA)

California residents have the following rights under the California Consumer Privacy Act (CCPA):

**Right to Know:** Request information about personal data we collect, use, and share

**Right to Delete:** Request deletion of your personal data (subject to certain exceptions)

**Right to Opt-Out:** Opt out of the "sale" of your personal information

**Right to Non-Discrimination:** We will not discriminate against you for exercising your rights

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

6. Data Security

We implement industry-standard security measures including:

256-bit SSL/TLS encryption for data transmission

Secure server infrastructure

Regular security audits

Limited employee access to personal data

However, no method of internet transmission is 100% secure. We cannot guarantee absolute security of your information.

7. Third-Party Links

Our website contains links to third-party lender websites. We are not responsible for the privacy practices of these websites. We encourage you to review their privacy policies before submitting any personal information.

8. Children's Privacy

Our services are intended for adults 18 and older. We do not knowingly collect personal information from children under 13. If we learn we have collected such information, we will delete it promptly.

9. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes by posting the new policy on this page with an updated "Last Modified" date. Continued use of our website after changes constitutes acceptance of the updated policy.

10. Contact Us

For privacy-related questions or to exercise your rights, contact us at:

Email: support@credjyo.com

Website: credjyo.com/contact