Privacy Policy

1. Overview

Credit Utilization ("we," "us," or "our") operates a subscription service that makes automatic monthly charges to your payment card in order to maintain a low credit utilization ratio on your account. This Privacy Policy explains what personal information we collect, how we use it, and your rights regarding that information. By using our service, you agree to the practices described in this policy.

2. Information We Collect

We collect the following categories of information:

• •Payment Information: Credit or debit card details are collected and processed by Stripe, our third-party payment processor. We do not store full card numbers on our servers.
• •Contact Information: Name and email address provided during checkout.
• •Billing Address: Collected by Stripe at checkout for fraud prevention and tax purposes.
• •Usage Data: Pages visited, browser type, IP address, and referring URLs collected automatically via server logs.
• •Subscription Data: Your selected plan, billing history, and subscription status.

3. How We Use Your Information

• •To process and manage your monthly subscription payments.
• •To send transactional emails such as payment confirmations and receipts.
• •To respond to customer support inquiries.
• •To detect and prevent fraudulent transactions.
• •To improve our website and service based on aggregated usage data.
• •To comply with applicable legal obligations.

4. Payment Processing & Stripe

All payment processing is handled by Stripe, Inc. Your card information is transmitted directly to Stripe using TLS encryption and is stored on Stripe's PCI-DSS-compliant servers. We receive only a tokenized reference to your payment method. By subscribing, you also agree to Stripe's Privacy Policy.

5. Data Sharing

We do not sell, rent, or trade your personal information. We may share data with:

• •Stripe — for payment processing.
• •Email service providers — to send transactional messages.
• •Law enforcement or regulators — when required by law or to protect our legal rights.

6. Data Retention

We retain your personal information for as long as your subscription is active and for up to 7 years thereafter to comply with financial record-keeping requirements. You may request deletion of your data at any time (see Section 8), subject to legal retention obligations.

7. Cookies

We use essential cookies to maintain your session and preferences. We do not use advertising or tracking cookies. You can disable cookies in your browser settings, though this may affect site functionality.

8. Your Rights

Depending on your location, you may have the right to:

• •Access the personal data we hold about you.
• •Request correction of inaccurate data.
• •Request deletion of your data (subject to legal obligations).
• •Opt out of marketing communications.
• •Lodge a complaint with a data protection authority.

To exercise any of these rights, contact us at privacy@creditutilization.com.

9. Security

We implement industry-standard security measures including TLS encryption for data in transit and access controls for data at rest. No method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

10. Children's Privacy

Our service is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal data, please contact us and we will delete it promptly.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page with an updated date. Your continued use of the service after changes are posted constitutes your acceptance of the revised policy.

12. Contact Us

If you have questions about this Privacy Policy, please contact us at:
privacy@creditutilization.com