Privacy Policy

Effective Date: October 20, 2025

  1. Introduction and Scope

This Privacy Policy explains how Giving Credit, Inc. (“Giving Credit,” “we,” “our,” or “us”) collects, uses, and shares information when you visit our website, use our Platform, access our APIs, or participate in related services (collectively, the “Services”).

This Policy applies to all Giving Credit users, including consumers, businesses, and partners located in the United States. By using our Platform or Services, you consent to the practices described in this Policy.

2. Information We Collect

Information You Provide. We collect information that you provide directly to us, including when you create an account, apply for or use a product, submit identity or financial information, communicate with our team, or otherwise interact with our Platform or Services. This may include personal identifiers, contact information, account credentials, financial details, and any other content you choose to share.

Information Automatically Collected. When you use our Platform, we automatically collect information such as IP addresses, device type, operating system, browser type, access times, and usage activity. We use cookies and similar technologies to operate the Platform, remember preferences, and analyze usage. You can adjust cookie settings in your browser, though some features may not function properly..

Information from Third Parties. We may receive information about you from other sources, including partner financial institutions, credit bureaus, service providers, or other users. This may include credit information, verification data, and transactional details provided through integrations or APIs.

3. How We Use Information

Operating the Platform and Services. We use information to operate, maintain, and provide the Platform and related Services, including processing transactions, displaying account information, supporting integrations, and maintaining security and functionality. The Platform may include links to third-party websites or services. We are not responsible for the privacy or security practices of those third parties

Compliance and Legal Obligations. We use information as necessary to comply with applicable laws and regulations, including the Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), and other financial, privacy, and consumer protection laws.

Analytics, Research, and Product Improvement. We may use aggregated or de-identified information to analyze usage trends, improve our Platform’s performance, and develop new features and offerings.

Communications. We may contact you to provide updates, respond to inquiries, send transactional notifications, and deliver legally required notices.

4. How We Share Information

With Your Consent or Direction. We share information when you authorize us to do so, such as when you request or consent to sharing with a financial institution, credit bureau, or partner program.

With Service Providers and Sub-Processors. We may share information with third-party service providers that perform services on our behalf, such as hosting, analytics, customer support, or compliance functions. These providers are required to safeguard the information and use it only as directed.

For Legal and Regulatory Purposes. We may disclose information when required by law, regulation, legal process, or governmental request, or to protect the rights, property, or safety of Giving Credit, our users, or others.

In Connection with Business Transfers. If Giving Credit is involved in a merger, acquisition, or sale of assets, information may be transferred as part of that transaction, subject to the same privacy commitments.

We Do Not Sell Personal Information. Giving Credit does not sell or rent personal information to third parties for their independent marketing or commercial purposes. We may, however, provide consumer reports or related data outputs to authorized lenders, financial institutions, or partners with your consent or at your direction, or as otherwise permitted by the Fair Credit Reporting Act (“FCRA”) for a certified Permissible Purpose. These transfers occur solely to deliver the products or features you request and are subject to strict contractual, confidentiality, and data-use limitations consistent with this Privacy Policy and applicable law.

5. Data Retention

We retain personal information for as long as necessary to provide the Platform and Services, comply with legal obligations, maintain business records, and resolve disputes.
Aggregated or de-identified data may be retained for analytics or research purposes consistent with applicable law.

6. Your Rights and Choices

Access, Correction, and Deletion. You may request access to, correction of, or deletion of your personal information by contacting us as described below. Requests are subject to applicable legal requirements and verification.

Opt-Out of Certain Communications. You may opt out of receiving promotional communications by following the unsubscribe instructions in those messages. Transactional and security notices are required and cannot be opted out of.

Dispute and Correction Rights under the FCRA. If you believe information contained in a consumer report or furnished by Giving Credit is inaccurate, you may submit a dispute under the FCRA. We will investigate and correct or delete information as required by law.

7. Security

We maintain administrative, technical, and physical safeguards designed to protect personal information consistent with industry standards and applicable law, including the GLBA and FTC Safeguards Rule. Despite these measures, no method of transmission or storage is completely secure. You use the Platform and Services at your own risk.

8. Children’s Privacy

Our Platform and Services are not directed to individuals under the age of 18. We do not knowingly collect information from minors.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we make material updates, we will notify you through the Platform or by email before the changes take effect.

10. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us at: privacy@givingcredit.org.