At Credit Muni, we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and share information when you visit our website www.creditmuni.com or engage with our services.
By accessing or using our website, you agree to the terms outlined in this Privacy Policy. If you do not agree with this policy, please do not use our services.
1. Information We Collect
We collect both personal and non-personal information to improve your experience with us. The types of information we may collect include:
Personal Information:
- Name
- Email address
- Phone number
- Postal address
- Payment details (only when applicable)
- Other personally identifiable information that you provide to us voluntarily.
Non-Personal Information:
- Browser type and version
- Device type and operating system
- IP address
- Referral source (how you came to our website)
- Pages visited, time spent, and other browsing information
Cookies and Tracking Technologies:
We use cookies and other tracking technologies to enhance user experience, analyze site performance, and display targeted advertisements. You can manage cookie preferences in your browser settings.
2. How We Use Your Information
We may use the information we collect for the following purposes:
- To provide our services: Process transactions, respond to inquiries, and provide support.
- To personalize your experience: Customize content and advertisements based on your preferences.
- To communicate with you: Send important notifications, updates, and promotional emails.
- To improve our website and services: Analyze user behavior and enhance the overall experience.
- To comply with legal obligations: Respond to legal requests and ensure our operations meet regulatory standards.
3. How We Share Your Information
We do not sell your personal information. However, we may share your data with trusted third parties in the following circumstances:
- Service providers: We may share data with third-party vendors who perform services on our behalf (e.g., payment processors, email marketing services).
- Legal obligations: We may disclose your information to comply with legal obligations, such as responding to subpoenas or legal claims.
- Business transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred.
4. Data Security
We take reasonable steps to protect the information you provide to us from unauthorized access, disclosure, alteration, or destruction. However, please be aware that no data transmission or storage system can be 100% secure.
5. Your Rights and Choices
Access and Update:
You have the right to access, update, or delete your personal information. You can do this by contacting us directly or through your account settings, where applicable.
Opt-Out:
You may opt out of receiving promotional emails from us by following the unsubscribe link in our emails or contacting us directly.
Cookies:
You can manage your cookie preferences through your browser settings. Please note that disabling cookies may affect your experience on our website.
Data Protection Rights (Applicable for Users in the EU, California, and other jurisdictions):
- The right to access, correct, or delete your personal data.
- The right to restrict or object to processing.
- The right to data portability.
- The right to withdraw consent at any time (where applicable).
If you are in the EU or California, you may have additional rights under the General Data Protection Regulation (GDPR) or California Consumer Privacy Act (CCPA).
6. Children’s Privacy
Our website is not intended for use by children under the age of 13, and we do not knowingly collect or solicit personal information from children. If we learn that we have collected personal information from a child under 13, we will delete that information as quickly as possible.
7. International Data Transfers
If you are visiting our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in countries outside of your country of residence. These countries may have different data protection laws than your own. By using our website, you consent to the transfer of your data to these countries.
We take reasonable steps to ensure that your data is protected in accordance with this Privacy Policy, regardless of where it is processed.
8. Retention of Your Information
We will retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Once the information is no longer needed for these purposes, we will securely delete or anonymize it.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or to accommodate new services. When we make changes, we will update the “Last Updated” date at the top of this page. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.
10. Contact Us
If you have any questions or concerns about this Privacy Policy, or if you would like to exercise your rights regarding your personal information, please contact us:
Email: support@creditmuni.com