Privacy Policy

Information We Collect

We collect minimal information to operate this website. This includes standard server logs maintained by our hosting provider (IP address, browser type, pages visited) and information you voluntarily provide through our contact email addresses. We do not use third-party analytics services or tracking tools.

Calculator Data

All calculations on our calculator tools are performed entirely in your browser using client-side code. We do not collect, store, or transmit the financial information you enter into our calculators.

Affiliate Links

When you click an affiliate link, we record the click (link identifier and referring page) on our server to measure the effectiveness of our partnerships. We do not record personal information such as your name, email, or IP address with affiliate clicks.

Cookies and Tracking

Credit Factor does not use analytics cookies, advertising cookies, or third-party tracking technologies. Our site may use essential cookies set by our hosting infrastructure for basic functionality (such as security and load balancing). We do not use cookies to track your behavior across other websites.

Children's Privacy

Credit Factor is intended for a general adult audience. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us at privacy@credit-factor.com and we will delete such information promptly.

Your Privacy Rights

Depending on your state of residence, you may have the right to know what personal information we collect, request deletion of your data, and opt out of the sale of personal information. These rights may apply to residents of California (CCPA/CPRA), Colorado (CPA), Connecticut (CTDPA), Virginia (VCDPA), and other states with consumer privacy laws. We do not sell or share personal information for targeted advertising. To exercise your rights, contact us at privacy@credit-factor.com.

Third Parties

We do not share your personal information with third parties for their own marketing purposes. When you click an affiliate link and leave our site, you are subject to the privacy policy of the destination site. We have no control over the privacy practices of third-party websites.

Data Retention

Server logs are retained by our hosting provider per their standard retention policy. Affiliate click records (which contain no personal information) are retained indefinitely for partnership reporting. If you contact us by email, we retain your correspondence for as long as needed to address your inquiry.

Changes

We may update this policy from time to time. Material changes will be noted with an updated date at the top of this page.