This privacy notice for CreditKernel LLC (“CreditKernel”, “Company,” “we,” “us,” or “our”), describes how and why we might collect, store, use, and/or share (“process”) your Personally Identifiable Information (referred to as “PII”) when you use our services (“Services”), such as when you:

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• Visit our website at www.creditkernel.com

• Engage with us in other related ways, including, sales, software, applications, marketing, or events.

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We reserve the right to modify this Privacy Policy at any time and without prior notice. Any amendments will be posted as an accessible, amended Privacy Policy on the home page of this Website, accessible by clicking on the "Privacy Policy" link. Your continued use of this Website signifies your acceptance of the Privacy Policy. We recommend checking the Privacy Policy periodically through this link for any updates or modifications.

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Collection of Personally Identifiable Information

When you visit and register on this Website, we may collect specific categories of personally identifiable information. By registering, you consent to the use of your PII as outlined in this Privacy Policy. You can withdraw your consent by providing at least a 10 day written notice to support@creditkernel.com.  The collected information may vary depending on selected benefits and provided details. We collect contact information (name, company, address, email, phone number), credit card information (for purchases), and voluntarily provided details when using tools and services. Sensitive information like race, ethnicity, politics, religion, health, genetics, trade unions, or sexual orientation is not collected. PII collection facilitates efficient customer service, personalized product offerings, and storage even after account deletion or inactivation. While we try to honor PII removal requests, certain factors beyond our control may prevent complete removal.

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All PII is your property, and we do not claim ownership. However, you grant us a non-exclusive, worldwide, royalty-free, perpetual license to use the PII for providing services and purposes mentioned in this Privacy Policy.

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We may also employ your information for any other lawful marketing or legal purpose consistent with this Notice.

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Sharing of Information

We do not sell your PII to any third party. Personal information held by us will be kept confidentially. 

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When you submit your Personally Identifiable Information (PII) on this Website, we retain the right to share it with reputable third-party entities. These Third-Party Service Providers may consist of companies responsible for hosting, managing, and servicing our web servers, software, and systems. They may also provide various services such as business operations, data processing, marketing, payment processing, fulfillment, and shipping. All Third-Party Processors are contractually obligated to maintain the confidentiality of your PII, and any information accessible to or provided by these Service Providers is strictly used for the purposes of the services they provide for this Website.

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Website Links

This Website may include links to other websites. We retain the right to feature advertisers or other third parties on this Website, who may have their own links leading to or from this Website. Please note that this privacy statement does not cover the privacy practices, data collection, storage, usage, or content of advertisers or websites linked to this Website. We do not assume responsibility for the privacy practices of such websites. It is advisable to review the privacy policies posted on these external websites before engaging with or utilizing their services.

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Cookies Policy

This Website, like many others, utilizes "cookies" to enhance user experience. Cookies store information on your computer as requested by your browser, allowing the Website to remember and provide efficient navigation. They enable access to secured information, transactions, and promotional opportunities. Cookies don't personally identify users, but rather their computers. Most browsers accept cookies by default, but you can choose to disable them at your own expense. Disabling cookies may limit access to certain features. We may use cookies to collect demographic and profile data for improving Website content. Our cookies do not store personal or sensitive information.

If you do not want us to collect your information when using the Services, now or for future browsing sessions, refrain from using the Services.

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USA Patriot Act Notice

The federal USA Patriot Act ("USA Patriot Act") enables the monitoring of content by the operator of a communication host and law enforcement, upon the operator's request. We expect to fulfill all our obligations and exercise our rights in accordance with the USA Patriot Act.

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Payment Data

We may collect payment-related data, including your payment instrument number and associated security code, to process your purchases. Stripe handles the storage of all payment data. You can access their privacy notice through the following link: https://stripe.com/privacy

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Protecting Your Information

We have implemented appropriate technical and organizational security measures to protect personal information. However, no electronic transmission or storage technology is completely secure. We cannot guarantee that unauthorized third parties won't compromise our security and access or modify your information. While we strive to protect your data, transmitting personal information to and from our Services is at your own risk. It's advisable to access the Services within a secure environment. Should a data breach occur, we will notify you via email within 7 business days.

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CalOPPA (California Online Privacy Protection Act)

California is the first US state law mandating commercial websites and online services to display a privacy policy. It applies not only to California but also to any person or company in the US (and possibly globally) operating websites collecting Personally Identifiable Information from California consumers. California residents can request information about categories of personal information disclosed for direct marketing purposes. To make a request, please submit a written inquiry to support@creditkernel.com.

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COPPA (Children Online Privacy Protection Act)

We do not knowingly collect data from or market to children under 18. By using the Services, you confirm that you are 18 or the parent/guardian of a minor and consent to their use of the Services. If we discover personal information of users under 18, we will deactivate the account and take steps to promptly delete such data. If you are aware of any data collected from children under 18, please contact us at support@creditkernel.com

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How to Contact Us about this Notice

For questions or comments, email us at support@creditkernel.com

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