Privacy Policy
Last updated: September 22, 2026
1. Who we are
CreditShield ("we," "us") runs creditshield.app: free articles and guides, and the CreditShield app, self-help software that runs in your web browser (together, the "Service").
2. What we collect
Your email to open the app. To open the free app, you give us your email address (and, if you like, your first name). We store it in our database and with our email provider so we can send the app tips you signed up for. You can unsubscribe at any time.
Purchases. Full Access is paid through Stripe. We receive your name, email, the product and the amount. We never receive your card or bank details.
Full Access records. We store the email used at checkout and a purchase reference so we can recognize your access. When you ask for a sign-in link, we store a scrambled (hashed) copy of it until it's used or expires.
What you enter in the app stays on your device. Disputes, account details, letters, scores and mail records are stored only in your browser. They are not uploaded to us, and we can't see them. If you clear your browser's data without a backup, that information is permanently deleted.
Cookies and usage data. If you have Full Access, we set a sign-in cookie. Our analytics and advertising partners (Cloudflare Web Analytics, which is cookieless, and the Meta pixel) collect information such as pages visited and how you arrived, so we can measure visits and ads.
3. How we use it
To give you the app and your purchases, send the emails you asked for, answer support requests, measure and improve the site and our ads, and meet legal, tax and accounting obligations. We do not sell your personal information.
4. Your credit reports
We don't ask you to upload credit reports, and we don't receive, store or process them. If you use our AI prompts with ChatGPT, Claude or another AI service, what you share goes to that provider under its own privacy policy. Remove your full Social Security number and full account numbers before sharing a report with any AI service.
5. How long we keep it
Purchase and Full Access records: as long as you have access and as required for tax and accounting. Email list: until you unsubscribe or ask us to delete it. Sign-in links: until used or expired. App data: on your device, under your control.
6. Security
All traffic is encrypted with TLS. Sign-in cookies are signed and not readable by page scripts. Sign-in links are stored only in hashed form and work once. Payments are handled by Stripe (PCI-DSS Level 1). The information you enter in the app never leaves your device.
7. Service providers
- Cloudflare: hosting, database, analytics
- Stripe: payments
- HighLevel: email list and customer communications
- Resend: sign-in and receipt emails
- Meta: ad measurement
The CreditShield Academy is hosted on Skool, and some links go to partner sites such as credit monitoring providers. Those sites have their own privacy policies. Some partner links are affiliate links; see Disclosures.
8. Your rights
Depending on where you live, you may ask to access, correct, delete or export your personal information, and you can opt out of marketing email at any time. Email support@creditshield.app.
9. Children
The Service is not intended for anyone under 18, and we don't knowingly collect their information.
10. Changes
We'll post any changes here and update the date above.