Effective Date: January 15, 2026
Credit Genius is operated by THE GREAT AMERICAN CREDIT SECRET LLC (“we,” “us,” or “our”). This Privacy Policy explains how we collect, use, share, and protect your information when you use the Credit Genius app or website (the “Service”).
By using Credit Genius, you agree to the practices described in this Privacy Policy.
Information We Collect
We may collect the following types of information:
Information You Provide
- Name, email address, and account details
- Login credentials and profile information
- Communications you send to us
- Payment-related information (processed by app stores, not stored by us)
Credit & Financial Information (Optional)
If you choose to connect credit reports or financial data, we may access:
- Credit report data
- Account summaries and related insights
This data is retrieved securely through third-party providers and displayed for your use.
Automatically Collected Information
- Device information, app version, and operating system
- Usage data such as features accessed and session activity
- IP address and general location data
- Cookies or similar technologies on our website
How We Use Your Information
We use your information to:
- Provide and operate the Service
- Display credit insights, reports, and educational tools
- Improve app functionality and user experience
- Communicate with you about updates or support
- Process subscriptions and in-app features
- Maintain security and prevent fraud
- Comply with legal obligations
AI & Data Usage
Credit Genius uses artificial intelligence to generate explanations and insights based on available data. Your information may be processed by AI systems to deliver features, improve accuracy, and enhance user experience. We do not sell your personal data to train third-party AI models.
Sharing of Information
We do not sell your personal information.
We may share information only with:
- Trusted service providers who help operate the app
- Credit data providers you authorize
- Analytics and infrastructure partners
- Legal authorities when required by law
- App stores for billing and subscription management
All partners are required to protect your data and use it only for authorized purposes.
Data Security
We use reasonable administrative, technical, and physical safeguards to protect your information. However, no system is completely secure, and we cannot guarantee absolute security.
Data Retention
We retain your information only as long as necessary to provide the Service, meet legal requirements, resolve disputes, and enforce our agreements. You may request deletion of your account, subject to applicable laws.
Your Rights & Choices
Depending on your location, you may have the right to:
- Access your personal information
- Correct inaccurate data
- Request deletion of your data
- Withdraw consent where applicable
Requests may be submitted by contacting us at the email below.
Children’s Privacy
Credit Genius is not intended for children under 18. We do not knowingly collect personal information from minors.
Third-Party Links
The Service may contain links to third-party websites or services. We are not responsible for their privacy practices or content.
Changes to This Policy
We may update this Privacy Policy from time to time. When we do, the effective date will be updated. Continued use of the Service means you accept the revised policy.
Contact Us
If you have questions about this Privacy Policy or your data, contact us at:
Credit Genius
Operated by THE GREAT AMERICAN CREDIT SECRET LLC
Email: admin@credit-genius.com
Website: https://credit-genius.com