Privacy Policy
Effective Date: March 2025
Last Reviewed: March 2025
This Privacy Policy describes how CreditMojo.AI collects, uses, and protects your personal information when you visit and interact with our website: https://member.creditmojo.ai.
This policy covers:
- What personal and non-personal information we collect and how it is used
- How you can control and update your data
- The security measures in place to protect your information
- Your rights under applicable privacy laws
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1. Information We Collect
A. Personal Information You Provide
When you register, sign up, or interact with CreditMojo.AI, we may collect:
- Name, email, phone number, and address
- Payment details (if purchasing a subscription)
- Credit monitoring account information (if linked)
- User-generated content (such as support requests)
B. Automatic Information Collection (Cookies & Tracking Technologies)
We collect certain non-personal information automatically, including:
- IP address and browser type
- Device information (mobile/desktop, operating system)
- Site usage and navigation behavior
- Cookies and tracking pixels (for analytics and marketing)
Cookies are used to enhance your experience, remember preferences, and analyze traffic. You can disable cookies through your browser settings.
C. Information from Third Parties
If you connect your credit monitoring account (SmartCredit), we may receive:
- Your credit reports and scores
- Status of dispute letters submitted
- Credit monitoring alerts
We do not store your full credit report, only the data needed to generate dispute letters.
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2. How We Use Your Information
We use your data to:
- Provide credit dispute tools and account management
- Send service updates, alerts, and support responses
- Improve website functionality and AI recommendations
- Comply with legal obligations and fraud prevention
Marketing: We may send promotional emails or offers. You can opt out at any time.
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3. Data Sharing & Third-Party Partners
We do not sell your personal information. However, we may share data with:
- SmartCredit (for credit monitoring integration)
- Service providers (for payment processing, analytics, and customer support)
- Legal authorities (if required by law or fraud prevention)
When you sign up via an affiliate partner, they may receive limited data related to your referral (not full credit reports).
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4. Your Choices & Data Control
You have the right to:
- Access the data we have about you
- Correct or update inaccurate information
- Request deletion of your personal data (subject to legal requirements)
- Opt out of marketing emails at any time
To manage your data preferences, contact us at: [email protected]
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5. Security Measures
We use industry-standard encryption and security measures to protect your data:
- Secure SSL encryption for data transmission
- Access controls and authentication to prevent unauthorized access
- Regular security audits to maintain compliance
Despite best efforts, no system is 100 percent secure. Use strong passwords and monitor your account activity.
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6. Cancellation & Data Retention
You can cancel your membership at any time through your account:
[Cancel My Membership](https://member.creditmojo.ai/Registration/LoginAccount/Login?ReturnUrl=%2F)
What happens to your data after cancellation?
- Your account will be deactivated, but we may retain limited records for legal compliance.
- If you linked SmartCredit, you must cancel separately with them.
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7. Privacy Rights (California, CCPA Compliance)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):
- Right to Know what personal data we collect
- Right to Request Deletion of personal information
- Right to Opt Out of data sharing for advertising
To exercise these rights, contact us at [email protected]
We do not sell personal data.
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8. Changes to This Privacy Policy
This policy may be updated periodically. Changes will be posted on this page with the updated effective date.
Last Updated: March 2025
For questions, contact us:
Email: [email protected]
Phone: 888-393-1931 (M-F 9 AM - 5 PM PST)
© 2025 CreditMojo.AI. All Rights Reserved.
