Privacy Policy
Effective Date: February 13, 2026
Last Updated: February 13, 2026
CreditFoxy ("we," "us," or "our") respects your privacy. This Privacy Policy (available at https://credit-
foxy.com/privacy) explains how we collect, use, disclose, and protect personal information when you
visit https://creditfoxy.com (the "Site"), use our services, or communicate with us (together, the "Ser-
vices").
vices.
By using our Services, you agree to this Privacy Policy. If you do not agree, please do not use our Ser-
1. Information We Collect
We collect the following categories of personal information (some of which may be considered "sen-
sitive" under certain laws). The personal information we collect depends on how you interact with us.
A. Information You Provide Directly (Categories)
• Identifiers and Contact Details: name, mailing address, email address, phone number, business
name.
• Account Logins: username, password, and similar credentials (if you create an account).
• Customer Records / Service Information: information you provide about your credit goals, cred-
it issues, items you want disputed, business credit goals, funding needs, and supporting docu-
ments.
• Financial Information: income details, credit-related information you provide, bank or payment
details you choose to provide, and related financial documents (note: payment card details are
typically processed by third-party payment processors).
• Professional or Employment Information: employer, job title, business information and related
details.
• Government ID Information (if provided): for identity verification and fraud prevention (for ex-
ample, a driver’s license number or similar ID).
• Communications: the content of messages, forms, emails, and other communications you send to
us.
B. Information We Collect Automatically (Categories)
• Device and Network Data: IP address, device identifiers, browser type, operating system, lan-
guage settings.
• Usage and Interaction Data: pages viewed, clicks, time on page, referring/exit pages, session in-
formation, and similar activity.• Approximate Location Data: general location based on IP address.
• Cookie/Pixel Data: data collected through cookies, pixels, SDKs, and similar technologies (see
Section 5).
C. Information We Receive from Others (Sources & Categories)
• Credit Bureaus and Reporting Agencies (with your authorization): credit report information,
tradeline details, dispute results, and related data.
• Lenders, Funding Platforms, and Business Credit Partners (when you ask us to connect you):
application status, funding decisions, and related communications.
• Marketing/Lead and Affiliate Partners: contact details and lead information.
• Service Providers: analytics, security, fraud prevention, identity verification, and communications
vendors.
• Public Sources: public records and information you choose to make public (for example, public
social media posts when you tag or message us).
2. How We Use Personal Information (Purposes)
We use personal information for the following purposes:
A. Provide and Operate the Services
• deliver credit repair, business credit building, tradeline-related support, and business funding as-
sistance services you request;
• process intake, onboarding, and support requests;
• help you complete applications and connect you with lenders, creditors, and other partners you
choose to work with;
• communicate with credit bureaus, creditors, lenders, and other third parties on your behalf (as au-
thorized by you);
• provide customer support and manage our relationship with you.
B. Communications
• send service messages (for example: appointment confirmations, reminders, and updates);
• respond to requests and questions;
• send marketing communications (where allowed by law). You can opt out at any time (see Section
6 and Section 5 for SMS).
C. Improve, Protect, and Maintain Our Business
• troubleshoot, improve, and maintain the Site and Services;
• understand usage and engagement;
• security, fraud prevention, and abuse monitoring;• quality assurance and training (including call monitoring/recording, as described below).
D. Legal, Compliance, and Business Operations
• comply with laws and respond to lawful requests;
• enforce our agreements and policies;
• protect our rights and the rights of our users and partners;
• support corporate transactions (for example, financing, merger, acquisition, or asset sale).
3. How We Share/Disclose Personal Information (Categories)
We may share/disclose personal information as follows:
A. Service Providers (Processors)
We share personal information with vendors who help us run our business, such as:
• Communications: Twilio (SMS and calling) and SendGrid (email delivery).
• Hosting/Infrastructure and Security: cloud hosting, storage, fraud prevention, and security
providers.
• Analytics and Advertising: analytics providers and advertising/marketing technology partners
(see Section 5).
• Payments: payment processors (if applicable).
• Professional Services: legal, accounting, and consulting providers.
Service providers are permitted to use personal information only to provide services to us (and not
for their own purposes), except where otherwise permitted by law.
B. Partners You Ask Us to Work With (At Your Direction)
When you request it, we may share information with:
• credit bureaus and creditors for disputes and verification;
• lenders, funding sources, and business credit partners for funding/business credit services;
• partners such as Credit Suite and National Business Capital where you choose to engage with
them.
C. Advertising/Marketing Partners
We may share limited information with advertising and marketing partners for measuring campaign
performance and delivering ads (see Section 5). Some of these disclosures may be considered "shar-
ing" under California law when used for cross-context behavioral advertising.D. Legal, Safety, and Compliance
We may disclose information to comply with law, respond to legal process, or protect rights, safety,
and security (including fraud prevention).
E. Business Transfers
If we are involved in a merger, acquisition, bankruptcy, or sale of assets, personal information may be
transferred as part of that transaction.
F. Aggregated/De-Identified Data
We may share aggregated or de-identified information that cannot reasonably identify you.
4. Call and Message Communications (Twilio), Email Delivery
(SendGrid), and Call Recording
A. SMS/Text Messaging (Twilio)
If you provide your phone number and opt in, we may send SMS messages using Twilio, including
service messages (like reminders and updates) and marketing messages (where allowed).
• Message frequency: varies.
• Message and data rates: may apply.
• Opt out: reply STOP to any message.
• Help: reply HELP, or contact us at info@creditfoxy.com or +1 (804) 373-0351.
• No purchase required: your consent to receive texts is not a condition of purchase.
B. Phone Calls (Twilio)
If you provide your phone number, you may receive calls from us (including using automated tech-
nology where allowed by law) about your account, requested services, or marketing (where allowed).
You can ask us to stop marketing calls at any time.
C. Call Recording Disclosure
Calls with CreditFoxy may be recorded and/or monitored for quality assurance, training, and compli-
ance. Where required by law, we will provide a notice at the start of the call. By continuing the call af-
ter any notice, you consent to recording and monitoring.
D. Email Delivery (SendGrid)
We use SendGrid to deliver emails (for example, verification emails, service updates, and newsletters if
you sign up). Email may include tracking (like open and click tracking) depending on your settings
and the email service.5. Cookies, Pixels, Analytics, and Advertising
We use cookies and similar technologies (like pixels and SDKs) to operate our Site, remember prefer-
ences, understand traffic, and market our Services.
A. Types of Technologies We Use
• Essential cookies: required for basic site features.
• Preference cookies: remember your settings.
• Analytics cookies: help us understand how the Site is used (for example, Google Analytics or simi-
lar tools).
• Advertising cookies/pixels: help show ads and measure ad performance (for example, Meta/
Facebook Pixel, Google Ads tags, and similar tools).
B. Your Choices
• You can control cookies in your browser settings and may be able to use cookie banners/settings
where available.
• You can opt out of interest-based advertising via:
◦ DAA: http://www.aboutads.info/choices
◦ NAI: http://www.networkadvertising.org/choices
• Some browsers and extensions support Global Privacy Control (GPC). Where required by law, we
will treat GPC as an opt-out of sale/sharing for that browser/device.
Blocking cookies may affect how the Site works.
6. Data Retention
We keep personal information only as long as reasonably necessary for the purposes in this Policy, in-
cluding:
• providing Services and maintaining our relationship with you;
• meeting legal, accounting, and compliance obligations;
• preventing fraud and maintaining security;
• resolving disputes and enforcing agreements.
Retention periods vary based on the type of data and why we have it. We may retain certain records
for several years (for example, 3–7 years or longer if required by law). When we no longer need infor-
mation, we take steps to delete, anonymize, or securely store it.7. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect personal in-
formation. No method of transmission or storage is 100% secure, so we cannot guarantee absolute
security.
8. Children Under 13
Our Site and Services are not directed to children under 13, and we do not knowingly collect personal
information from children under 13. If you believe a child under 13 provided us personal information,
contact us and we will take steps to delete it.
9. International Transfers
We are based in the United States, and information may be processed in the U.S. and other countries
where we or our service providers operate. These countries may have different data protection laws
than your location.
10. Your Privacy Rights and Requests (All Users)
Depending on where you live, you may have rights regarding your personal information, such as ac-
cess, correction, deletion, portability, and opting out of certain processing.
How to Submit a Request
Email us at info@creditfoxy.com or call +1 (804) 373-0351.
You may also send a request to privacy@creditfoxy.com if you prefer.
We may need to verify your identity before completing your request. If you use an authorized agent
(where allowed), we may request proof of authorization and may still verify your identity.
11. State Privacy Notice (U.S.)
This section provides additional details for residents of certain U.S. states.
A. California Notice (CCPA/CPRA)
1) Categories of Personal Information We Collect (Past 12 Months)
We may collect:
• Identifiers: name, alias, email, phone number, IP address, account identifiers.
• Customer records information: contact details and information you provide for credit repair/
funding assistance.
• Commercial information: services requested or purchased, and related transaction information.• Internet or other electronic network activity: browsing and interaction data on our Site.
• Geolocation data: approximate location based on IP address.
• Professional or employment-related information: employment and business information.
• Sensitive personal information (SPI): may include government ID, account log-in credentials,
and certain financial/credit-related information you provide (as defined by California law).
2) Sources of Personal Information
• directly from you;
• automatically from your device/browser when you use the Site;
• from credit bureaus, creditors, lenders, and partners (with your authorization or at your direction);
• from service providers and marketing/lead partners;
• from public sources.
3) Business or Commercial Purposes for Collection/Use
• provide, operate, and support the Services;
• communicate with you;
• process applications and connect you with partners you choose;
• security and fraud prevention;
• analytics and improving our Services;
• marketing and advertising (as allowed by law);
• legal compliance and enforcing our agreements.
4) Categories of Personal Information Disclosed
In the past 12 months, we may have disclosed the categories listed above to:
• service providers (IT, hosting, security, analytics, communications like Twilio and SendGrid, and
payment processors);
• partners you direct us to share with (credit bureaus/creditors, lenders/funding partners, and
similar);
• professional advisors (legal/accounting);
• government entities/law enforcement where required.
5) Sale / Sharing for Cross-Context Behavioral Advertising
We do not sell personal information for money. We may "share" certain information (like online iden-
tifiers and browsing activity) with advertising partners for cross-context behavioral advertising, which
may be considered "sharing" under California law.
Your right to opt out: You can opt out of sale/sharing by emailing info@creditfoxy.com or calling
+1 (804) 373-0351. Where required, we will also honor browser-based opt-out signals such as GPC
for that browser/device.6) Sensitive Personal Information (SPI) and the Right to Limit
We use SPI as needed to provide our Services, for security, to prevent fraud, and for other purposes
allowed by the CPRA. You may have the right to limit our use and disclosure of SPI to what is neces-
sary to provide the Services and for other permitted purposes.
To request to limit use of SPI, contact us at info@creditfoxy.com or +1 (804) 373-0351.
7) Retention (California)
We retain personal information as described in Section 6. In general, we keep personal information
for as long as needed for the purposes described, then delete or de-identify it unless we are required
to keep it longer (for example, for legal or compliance reasons).
8) Your California Rights
Subject to certain exceptions, you may have the right to:
• know/access the personal information we collected, used, disclosed, sold, or shared;
• delete personal information;
• correct inaccurate personal information;
• opt out of sale/sharing;
• limit use/disclosure of sensitive personal information;
• not be discriminated against for exercising your rights.
9) Authorized Agent
You may use an authorized agent to submit a request. We may require proof the agent is authorized
and may verify your identity.
10) Non-Discrimination
We will not discriminate against you for exercising your CCPA/CPRA rights.
B. Colorado Privacy Notice
If you are a Colorado resident, you may have the right to access, correct, delete, and obtain a
portable copy of your personal data, and to opt out of targeted advertising, the sale of personal da-
ta, and certain profiling.
Appeals (Colorado): If we deny your request, you can appeal by emailing info@creditfoxy.com
with the subject line "Colorado Privacy Appeal."
C. Connecticut Privacy Notice
If you are a Connecticut resident, you may have the right to access, correct, delete, and obtain a
portable copy of your personal data, and to opt out of targeted advertising, the sale of personal da-
ta, and certain profiling.
Appeals (Connecticut): If we deny your request, you can appeal by emailing info@creditfoxy.com
with the subject line "Connecticut Privacy Appeal."D. Utah Privacy Notice
If you are a Utah resident, you may have the right to access and delete your personal data and obtain
a portable copy, and to opt out of targeted advertising and the sale of personal data.
E. Virginia Privacy Notice
If you are a Virginia resident, you may have the right to access, correct, delete, and obtain a portable
copy of your personal data, and to opt out of targeted advertising, the sale of personal data, and
certain profiling.
Appeals (Virginia): If we deny your request, you can appeal by emailing info@creditfoxy.com with
the subject line "Virginia Privacy Appeal."
12. EEA/UK GDPR Notice
If you are in the EEA or the UK, the GDPR/UK GDPR may apply.
A. Controller and Contact
CreditFoxy is the controller for personal data processed under this Notice.
• Email: info@creditfoxy.com
• Phone: +1 (804) 373-0351
You may also contact us at privacy@creditfoxy.com.
B. Legal Bases
We process personal data under the following legal bases:
• Contract: to provide Services you request.
• Legitimate interests: to run and improve our business, keep our Services secure, prevent fraud,
and communicate with you.
• Consent: for certain marketing communications and certain cookies/advertising technologies
(where required).
• Legal obligation: to comply with applicable laws.
C. Your Rights
You may have the right to:
• access, correct, or delete your personal data;
• object to or restrict processing;
• receive a copy (data portability);
• withdraw consent at any time (where processing is based on consent).D. International Transfers
Your data may be transferred to the United States and other countries. Where required, we use ap-
propriate safeguards (such as Standard Contractual Clauses).
E. Complaints
You have the right to lodge a complaint with your local supervisory authority in the EEA/UK.
13. Third-Party Links and Services
Our Site may link to third-party websites or services (for example, Credit Suite, National Business Cap-
ital, ClickBank, WarriorPlus). Their privacy practices are governed by their own policies, not ours.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will post the updated version with a new
"Last Updated" date. If changes are material, we may provide additional notice.
15. Contact Us
For questions, privacy requests, or complaints, contact:
CreditFoxy
Website: https://creditfoxy.com
Email: info@creditfoxy.com
Phone: +1 (804) 373-0351
You may also contact:
Email: privacy@creditfoxy.com
16. Disclosures and Disclaimers
A. No Guarantee of Results
Our services, including credit repair and business funding assistance, do not guarantee specific out-
comes. Results vary based on your individual credit profile, financial history, creditor responses, and
credit bureau processing times. We cannot guarantee credit score increases, successful disputes,
funding approval, or specific timelines.
B. Not Legal, Tax, or Financial Advice
Information provided on our Site and through our services is for educational and informational pur-
poses only. It does not constitute legal, tax, financial, or professional advice. You should consult with
qualified professionals regarding your specific situation.C. No Removal of Accurate Information
We do not promise or guarantee the removal of accurate information from your credit reports. Credit
repair involves disputing inaccurate, outdated, or unverifiable information as permitted by law.
D. Lender and Partner Relationships
We may receive compensation from third-party lenders, funding sources, and business partners when
you use their services. These relationships do not affect our commitment to your privacy or the quali-
ty of services we provide.
E. Testimonials and Reviews
Testimonials and reviews on our Site reflect individual experiences and may not represent typical re-
sults. Your results may differ based on your unique circumstances.
By using our Site or services, you acknowledge that you have read and understood this Privacy
Policy. By using our Site or services, you acknowledge that you have read and understood this
Privacy Policy.
Copyright © 2026 CreditFoxy.com - All Rights Reserved.
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