Privacy Policy

Credit by Nainoa("we," "us") provides credit education, dispute assistance, credit monitoring (through a third-party provider), and business funding referrals. This policy explains what we collect, how we use it, and your choices. By using creditbynainoa.com or our services, you agree to this policy.

• Contact details you provide: name, phone, email.
• Credit and financial information you share, including your self-reported credit situation, quiz answers, and information needed to assist with disputes or a funding application.
• Third-party account access you choose to provide (for example, your Smart Credit or credit-monitoring login) so we can review your report. Credentials are stored in an encrypted vault, not in plain text.
• Documents you upload (such as identification or income verification) when applicable.
• Usage and device data collected automatically (pages viewed, approximate location, device/browser) via cookies and analytics/advertising pixels.
• Communications and consent records, including your SMS/email opt-in and the time and text of that consent.

• To provide and perform our services (review your report, assist with disputes, refer you for funding).
• To communicate with you by SMS, email, and phone, including service updates and marketing you've consented to.
• To operate, secure, and improve our website and services, including analytics and advertising measurement.
• To comply with legal obligations and enforce our terms.

We do not sell your personal information. We share it only with:

• Your chosen monitoring provider (e.g., Smart Credit), which you sign up for directly under their terms.
• Funding partners / third-party lenders, when you ask us to help you pursue funding.
• Service providers that run our CRM, hosting, messaging, payments, and analytics on our behalf.
• Authorities where required by law.

With your consent, we send marketing and informational SMS and email. Message frequency varies; message and data rates may apply. Reply STOP to opt out of texts or use the unsubscribe link in any email. Consent is not a condition of purchase.

We use administrative, technical, and physical safeguards appropriate to the sensitivity of the data, including encryption in transit, access controls, and an encrypted credential vault. No method of transmission or storage is 100% secure, but we work to protect your information and limit access to those who need it.

We keep personal information only as long as needed to provide the services, comply with legal obligations, resolve disputes, and enforce agreements, then delete or de-identify it.

You may request access to, correction of, or deletion of your personal information, and opt out of marketing at any time. Depending on where you live, you may have additional rights under applicable law. To make a request, contact us below.

Our services are for adults 18 and older. We do not knowingly collect information from minors.

We may update this policy from time to time. We'll post the new version here with an updated date.

Questions about your privacy? Email support@creditbynainoa.com.