Privacy Policy

Introduction

CB.AI ("Company" or "We") respect your privacy and are committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit the website https://www.creditbooster.ai/ or our mobile application (our "Sites") and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect:

• On the Sites.
• In email, text, and other electronic messages between you and the Sites.
• Through mobile and desktop applications you download from the Sites, which provide dedicated non-browser-based interaction between you and the Sites.
• When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.
• Through our AI-powered credit analysis tools and machine learning algorithms that process your financial data to provide personalized recommendations.

It does not apply to information collected by:

• Us offline or through any other means, including on any other website operated by Company or any third party; or
• Any third party, including through any application or content (including advertising) that may link to or be accessible from or through the Sites.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Sites. By accessing or using the Sites, you agree to this privacy policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of this Sites after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Use of the Site by Persons Under the Age of 18

Our Sites are not intended for children under 18 years of age. No one under age 18 may provide any personal information to or on the Sites. We do not knowingly collect personal information from children under 18. If you are under 18 do not use or provide any information on the Sites or through any of its features, register on the Sites, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. Any general information provided by a person under the age of 18 and gathered (for example, through the use of cookies) during their visit may be used as indicated in this policy (see Information We Collect Through Automatic Data Collection Technologies).

Notice concerning Children

We are a general audience site, and do not direct any of our content specifically at children under 13 years of age. If we learn we have collected or received personal information from a child under 13, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at [email protected].

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Sites, including information:

• By which you may be personally identified, such as name, postal address, email address, telephone number, social security number, and debit or credit card information. ("personal information");
• That is about your financial information that we use to provide services to you, including your credit ratings, your credit report and other financial information;
• Generated through our AI analysis of your credit profile, including algorithmic insights, risk assessments, and personalized recommendations;
• That is about you but individually does not identify you; and/or
• About your internet connection, the equipment you use to access our Sites, and usage details.

We collect this information:

• Directly from you when you provide it to us.
• Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies, session storage, local storage, and other tracking technologies.
• From third parties, for example, our business partners, including your credit rating and credit report, your account information for accessing your account on our business partner's sites, and related information which we receive from credit reporting agencies.
• Through our AI-powered analysis tools that process your financial data to generate insights and recommendations.

Information You Provide to Us

The information we collect on or through our Sites may include:

• Information that you provide by filling in forms on our Sites. This includes information provided at the time of registering to use our Sites, subscribing to our service, or requesting further services. We may also ask you for information when you report a problem with our Sites.
• Records and copies of your correspondence (including email addresses), if you contact us.
• Your responses to surveys that we might ask you to complete for research purposes and for the purpose of personalizing and optimizing your use of our services and improving our AI algorithms.
• Details of transactions you carry out through our Sites and of the fulfillment of your orders. You may be required to provide financial information before placing an order through our Sites.
• Information that you may provide by interacting with features of our Sites, including but not limited to information relating to personal financial objectives and preferences used to train our AI recommendation systems.

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Sites, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

• Details of your visits to our Sites, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Sites.
• Information about your computer and internet connection, including your IP address, operating system, and browser type.
• Behavioral patterns and usage data that help our AI systems provide personalized credit recommendations and improve service delivery.

We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). Click the "Cookies Settings" link for information on how you can opt out of behavioral tracking on the Sites and how we respond to web browser signals and other mechanisms that enable consumers to exercise choice about behavioral tracking.

The information we collect automatically may include personal information, or we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Sites and to deliver a better and more personalized service, including by enabling us to:

• Estimate our audience size and usage patterns.
• Store information about your preferences, allowing us to customize our Sites according to your individual interests.
• Speed up your searches.
• Recognize you when you return to our Sites.
• Train and improve our AI algorithms to provide more accurate credit analysis and personalized recommendations.

The technologies we use for this automatic data collection may include:

• Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Sites. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Sites. For information about managing your privacy and security settings for cookies, see Choices About How We Use and Disclose Your Information.
• Local and Session Storage. Browser local storage and session storage are alternatives to cookies for placing personalization and state data on the hard drive of your computer. We use both local and session storage to store user personalization and state data when you direct your browser to our Sites. Depending on your browser, local and session storage may be disabled when you refuse to accept browser cookies. Some browsers require a different setting to disable local and session storage. Please refer to your browser settings for more information about how to disable local and session storage. For information about managing your privacy and security settings for cookies, see Choices About How We Use and Disclose Your Information.
• Web Beacons. Pages of our Sites and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

AI Data Processing and Machine Learning

CreditBooster.ai uses artificial intelligence and machine learning technologies to provide enhanced credit analysis and personalized recommendations. Our AI systems process your financial data in the following ways:

• Automated Credit Analysis: Our AI algorithms analyze your credit reports, financial history, and behavioral patterns to provide insights and recommendations for credit improvement.
• Personalized Recommendations: Machine learning models use your financial data to generate personalized suggestions for credit products, financial services, and credit improvement strategies.
• Predictive Analytics: Our AI systems may use your data to predict credit score changes, identify potential issues, and recommend proactive steps.
• Model Training: We use anonymized and aggregated user data to train and improve our AI algorithms, ensuring better service for all users while protecting individual privacy.
• Third-Party AI Services: We may use third-party AI and machine learning service providers to enhance our capabilities. These providers process data in accordance with strict confidentiality and data protection agreements.

All AI processing is designed to benefit your credit management experience while maintaining the highest standards of data security and privacy protection.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

• To present our Sites to you and personalize their contents for you using AI-driven customization.
• To provide you with information, products, or services that you request from us.
• To fulfill any other purpose for which you provide it, including verifying your identity and communicating with credit reporting agencies on your behalf.
• To provide you with notices about your subscription, including expiration and renewal notices.
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
• To notify you about changes to our Sites or any products or services we offer or provide through it.
• To power our AI algorithms and machine learning models that provide credit analysis, recommendations, and personalized insights.
• To improve our AI systems and develop new features through analysis of usage patterns and user interactions.
• In any other way we may describe when you provide the information.
• For any other purpose with your consent.

Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this privacy policy:

• To our subsidiaries and affiliates.
• To contractors, service providers, and other third parties we use to support our business, including AI and machine learning service providers, who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of CreditBooster.ai's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by CreditBooster.ai about our Sites' users is among the assets transferred.
• To fulfill the purpose for which you provide it.
• For any other purpose disclosed by us when you provide the information.
• With your consent.

We may also disclose your personal information:

• To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
• To enforce or apply our terms of use and other agreements, including for billing and collection purposes.
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of CreditBooster.ai, our customers, or others.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

• Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. Some browsers will also disable the use of local and session storage if you refuse browser cookies. Other browsers have a separate means for disabling use of local and session storage. If you disable or refuse cookies, or local and session storage, please note that some parts of this site may then be inaccessible or not function properly.
• AI Processing. You may opt-out of certain AI-powered features and automated decision-making by contacting us at [email protected]. However, this may limit the personalized features and recommendations available to you.
• Disclosure of Your Information for Third-Party Advertising. Only with your affirmative consent do we share your personal information with unaffiliated or non-agent third parties in order to streamline enrollment in their respective advertised platforms.
• Promotional Offers from the Company. If you do not wish to have your contact information used by the Company to promote our own or third parties' products or services, you can opt-out by unenrolling from our services.
• Targeted Advertising. If you do not want us to use information that we collect or that you provide to us to deliver advertisements to you or to other consumers according to our advertisers' target-audience preferences, you can opt-out by unenrolling from our services.

Your State Privacy Rights

State consumer privacy laws may provide their residents with additional rights regarding our use of their personal information.

Illinois residents have specific rights under the Illinois Personal Information Protection Act and other state privacy laws. For more information about rights available to Illinois residents, please contact us at [email protected].

California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Montana, Oregon, Tennessee, Texas, Utah, and Virginia provide (now or in the future) their state residents with rights to:

• Confirm whether we process their personal information.
• Access and delete certain personal information.
• Correct inaccuracies in their personal information, taking into account the information's nature processing purpose (excluding Iowa and Utah).
• Data portability.
• Opt-out of personal data processing for:
  • targeted advertising (excluding Iowa);
  • sales; or
  • profiling in furtherance of decisions that produce legal or similarly significant effects (excluding Iowa and Utah).
  • Either limit (opt-out of) or require consent to process sensitive personal data.

The exact scope of these rights may vary by state. To exercise any of these rights please email [email protected]. To appeal a decision regarding a consumer rights request please email [email protected] and include your request for an appeal. We will review and respond to appeal requests within 60 days.

Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. Any payment transactions and data shared with third parties will be encrypted using SSL technology. Our AI systems and machine learning infrastructure employ additional security measures including data encryption, access controls, and regular security audits.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Sites, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Sites. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Sites.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users' personal information, we will notify you by email to the email address specified in your account or through a notice on the Sites home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Sites and this privacy policy to check for any changes.

Contact Information

We regularly review our compliance with this Privacy Policy. Questions, comments requests or complaints regarding this Privacy Policy or the Sites are welcomed and should be addressed to [email protected].