Privacy Policy

1. Information We Collect

We collect the following personal identifiers from you:

• Full Name
• Email Address
• Phone Number

We collect this information directly from you when you voluntarily fill out forms, subscribe to services, or contact us.

2. Purpose of Collection

We use the information we collect for the following business purposes:

• To facilitate account creation
• To communicate regarding updates, transactions, or service-related matters
• To respond to inquiries and support requests
• To request feedback to improve our services
• To offer related products or services periodically

We do not collect sensitive personal information, nor do we use profiling or automated decision-making tools.

3. Information We Do Not Collect or Store

• Any data created through the use of our tools or products is stored locally on your device. We do not access, collect, or retain that information.
• We do not collect geolocation, browsing history, biometrics, or financial information.

4. How Long We Retain Your Data

We retain your personal information for one (1) year beyond the end of your service with us. After that, your information is securely deleted.

5. We Do Not Sell Your Data

We do not sell, rent, trade, or share your personal information with third parties for any commercial purposes.

6. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have the following rights under California law:

• Right to Know: You may request details about the personal information we've collected, used, or disclosed in the past 12 months.
• Right to Delete: You may request that we delete your personal information, subject to certain legal exceptions.
• Right to Correct: You may request that we correct any inaccurate personal information about you.
• Right to Opt-Out of Sale: While we do not sell your data, you still have the right to opt out of any future data sales.
• Right to Non-Discrimination: You will not be discriminated against for exercising any of your privacy rights.

To exercise any of these rights, email us at Support@OutsmartCredit.com with the subject line: California Privacy Request.

7. Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal data. However, no method of online transmission or storage is 100% secure.

8. Children's Privacy

Our services are intended for adults. We do not knowingly collect personal data from anyone under the age of 18.

9. Changes to This Privacy Policy

We may update this policy occasionally. Any changes will be reflected on this page along with a revised effective date.

10. Contact Us

If you have questions about this policy or want to exercise your rights, please contact: