CreditDawn.com – Privacy Policy

Effective Date: January 5, 2026

1. Information We Collect

CategoryExamplesPurposePersonal IdentifiersName, email address, phone numberTo create your account, verify identity, and provide credit‑counseling services.Technical DataIP address, browser type, device informationTo secure the site, analyze usage, and improve performance.Communication DataMessages you send to us (e.g., support inquiries)To respond to your questions and deliver counseling.

2. How We Use Your Information

• Account Management: Store your name, email, and phone number to maintain your profile.

• Service Delivery: Contact you (via email or phone) to schedule counseling sessions, send reminders, and share educational resources.

• Marketing (Optional): If you opt‑in, we may send newsletters or promotional material about credit‑related products. You can unsubscribe at any time.

• Security & Compliance: Detect fraud, enforce our Terms of Service, and comply with legal obligations.

3. Sharing & Disclosure

• Service Providers: We share your personal data with trusted third‑party vendors (e.g., email service providers, scheduling tools) only to perform the functions described above.

• Legal Requirements: We may disclose information if required by law, a court order, or to protect the rights, safety, or property of CreditDawn.com or others.

• No Sale of Data: We do not sell, rent, or trade your personal information to marketers or other third parties.

4. Data Retention

• Your account information is retained as long as you maintain an active account or until you request deletion.

• Backup copies may be kept for up to 90 days for disaster recovery.

5. Your Rights & Choices

• Access & Correction: Request a copy of your data or ask us to correct inaccuracies.

• Deletion: Request removal of your personal information; we will delete it from active systems within 30 days, except where retention is required by law.

• Marketing Opt‑Out: Unsubscribe from promotional emails via the link provided in each message or by contacting us.

6. Security Measures

• Data is transmitted over TLS/SSL encryption.

• Personal identifiers are stored in encrypted databases with restricted access.

• Regular security audits and vulnerability testing are performed.

7. International Transfers

If you are outside the United States, your data may be transferred to servers located in the U.S. or other jurisdictions with comparable data‑protection standards.

8. Children’s Privacy

Our services are intended for individuals 18 years or older. We do not knowingly collect personal information from children under 13.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated “Effective Date.” Continued use of the site after revisions constitutes acceptance of the new terms.

10. Contact Us

If you have questions or wish to exercise any of your rights, please contact us at:

Email: privacy@creditdawn.com
Phone: +1‑800‑555‑0199

By using CreditDawn.com, you acknowledge that you have read and understood this Privacy Policy.