Privacy Policy

Effective Date: November 11, 2025
Last Updated: November 13, 2025

1. Introduction
Welcome to PerfectCredit.ai (“we”, “us”, “our”). We respect your privacy and are committed to protecting your personal information. This Privacy Policy (“Policy”) explains how we collect, use, disclose, and safeguard your information when you visit our website https://www.perfectcredit.ai/ (the “Website”) and/or use our services (the “Services”). By using the Website or Services, you acknowledge that you have read, understood, and agree to the practices described here.

2. Information We Collect
We may collect personal information (“Personal Data”) and non-personal information (“Non-Personal Data”) about you when you use our Website or Services. The types of information we collect include:

2.1 Personal Data
Examples include (but are not limited to):

Name, email address, mailing address, phone number
Financial information you provide in connection with credit-related services
Account login credentials (username, password)
Credit- and financial-related data you submit or authorize us to access
Other information you voluntarily submit to us (e.g., through forms, chats, emails)

2.2 Non-Personal Data
Examples include:

Device information (browser type, operating system, device model)
IP address, region or country
Website usage data (pages visited, time spent, referral pages, click paths)
Cookies, tracking technologies and analytics data

3. How We Collect Information
We collect information in a variety of ways, including:

Directly from you when you fill out forms, register for services, interact with the Website, submit data, or communicate with us
Automatically via technology when you access the Website or use the Services (cookies, log files, analytics)
From third-party sources if you authorize access (for example, your financial institution or credit bureau)

4. Why We Collect & Use Your Information
We use the information we collect for purposes such as:

To provide, maintain, customize and improve our Website and Services
To process your requests, applications, or transactions
To verify your identity and your credit/financial information
To communicate with you about the Services, updates, offers, and other relevant information
To monitor and analyze usage, trends, and to improve our features
To comply with legal and regulatory obligations
For fraud detection, risk management, security and protection of our rights and the rights of our users

5. Legal Basis for Processing (for users in applicable jurisdictions)
In jurisdictions such as the European Union, we process your personal data only when we have a valid legal basis, such as:

Your consent (where required)
Performance of a contract with you or in connection with your request
Compliance with a legal obligation
Our legitimate interests (provided your rights don’t override those interests)

6. Sharing Your Information
We may share or disclose your personal information in the following circumstances:

With service providers, partners or vendors who help us operate the Website and deliver Services (e.g., analytics providers, credit-bureau data providers, payment processors)
With financial institutions or credit bureaus when you authorize us to access your financial/credit data
With our affiliates or business partners in connection with a merger, acquisition, sale of assets, or business transfer
When required by law, regulation, legal process or governmental request
To protect our rights, property or safety, or those of others
With your consent or at your direction

We do not sell your personal information unless we explicitly state so and provide you with the required notices and opt-out options, where applicable.

7. Cookies and Tracking Technologies
We use cookies, web beacons, tracking pixels, and similar technologies to automatically collect Non-Personal Data and enhance your website experience. You may manage or disable cookies via your browser settings, but doing so may limit your ability to use certain features of our Website.

8. International Transfers
If you are located outside the United States, please note that your personal data may be transferred to, stored, and processed in the United States or other jurisdictions which may have different data protection laws. We will take appropriate safeguards to ensure your data is treated securely and in accordance with this Policy.

9. Data Retention
We retain your personal data only for as long as necessary to fulfil the purposes described in this Policy, or as required by law. After that, we securely delete or anonymize it.

10. Security
We implement appropriate administrative, physical, and technical safeguards to protect your personal data from unauthorized access, use, disclosure, alteration, or destruction. However, no method of data transmission or storage is absolutely secure – we cannot guarantee absolute security.

11. Your Rights
Depending on your jurisdiction, you may have certain rights with respect to your personal data, such as:

Access: to request a copy of the personal data we hold about you
Correction: to request correction or updating of inaccurate personal data
Deletion: to request deletion of your personal data, where permitted
Portability: to request your data in a structured, commonly-used format
Opt-out: to object or restrict certain processing (e.g., direct marketing)
Withdraw consent: if processing is based on consent

If you wish to exercise any of these rights, please contact us using the contact details below. We will respond within applicable legal timeframes.

12. Children’s Privacy
Our Website and Services are not directed to children under the age of 13 (or other applicable minimum age in your country). We do not knowingly collect personal data from children under the age of 13. If we become aware that we have collected personal data from a child under 13 without parental consent, we will take steps to delete such data.

13. Changes to this Privacy Policy
We may update this Policy from time to time. We will post the updated Policy on this page and update the “Last Updated” date above. We encourage you to review this Policy periodically. Your continued use of the Website or Services after changes are posted constitutes acceptance of those changes.

14. Contact Us
If you have questions or concerns about this Privacy Policy or our privacy practices, you may contact us at:
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