Credit Mentor AI ("we," "us," or "our") respects your privacy and is committed to protecting it through this Privacy Policy. This policy describes how we collect, use, disclose, and safeguard your information when you use the Credit Mentor AI mobile application (the "App") and related services.

By using the App, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our services.

1. Information We Collect

We collect different types of information to provide and improve our services, including:

Personal Information

We may collect personally identifiable information, such as:  
- Name  
- Email address  
- Phone number  
- Date of birth  
- Credit-related information (e.g., credit score, credit utilization)

Financial Information

To help you improve your credit, we may collect:  
- Credit history and reports (with your permission)  
- Loan and credit card details  
- Payment history

Automatically Collected Information

When you use our App, we automatically collect:  
- Device information (model, OS version, unique device identifiers)  
- Usage data (app interactions, features used)  
- IP address  
- Cookies and tracking technologies

Information from Third Parties

We may receive data from third-party financial institutions, credit bureaus, or identity verification services, but only with your consent.

2. How We Use Your Information

We use your information for the following purposes:

• Credit Improvement Assistance: Provide insights and recommendations to improve your credit.
• Account Management: Manage your profile and preferences.
• Personalized Financial Guidance: Tailor advice based on your financial data.
• Security & Fraud Prevention: Detect and prevent fraud, unauthorized access, or misuse.
• Compliance: Meet legal and regulatory obligations.
• App Performance & Improvement: Analyze usage data to improve our features.

3. How We Share Your Information

We do not sell your personal data. However, we may share your information with:

• Credit Bureaus & Financial Institutions: If you choose to connect accounts for credit monitoring.
• Service Providers: Third parties that assist in App functionality, such as analytics, security, and customer support.
• Legal & Regulatory Authorities: If required by law, court order, or legal process.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your data may be transferred.

4. Your Choices & Rights

You have the following rights regarding your data:

• Access & Correction: Request a copy of your data or correct inaccurate information.
• Opt-Out: Unsubscribe from marketing communications.
• Data Deletion: Request the deletion of your account and associated data.
• Do Not Track: Adjust browser settings to limit tracking (some features may be affected).

To exercise these rights, contact us at [Insert Contact Email].

5. Data Security

We take data security seriously and implement measures such as:

• Encryption of sensitive data
• Secure cloud storage
• Multi-factor authentication
• Regular security audits

However, no system is completely secure, and we cannot guarantee absolute protection.

6. Third-Party Links & Services

The App may contain links to third-party websites or services. We are not responsible for their privacy practices. Please review their privacy policies before sharing information.

7. Children's Privacy

Credit Mentor AI is not intended for individuals under 18. We do not knowingly collect data from minors. If we become aware of such data, we will delete it.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be

9. Contact Us

If you have any questions about this Privacy Policy, contact us at:

Credit Mentor AI  
[Company Address]  
[Support Email]
[Support Phone Number]

By using our App, you acknowledge that you have read and understood this Privacy Policy.