Privacy Policy

Last Updated on Feb 19th, 2026

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.

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.

How We Share Your Information

Partner Financial Institutions: When you choose to view personalized credit card and loan recommendations in our mobile application, we share your credit profile information (including credit score, credit history, income, and other financial data) with select partner financial institutions. This sharing enables us to match you with relevant offers and is only performed when you actively request to see personalized recommendations. You may opt out of this sharing at any time in your account settings. We may receive compensation from partners when you apply for their products, which helps us provide our services to you at no cost. SMS Service Providers: We share your phone number with our SMS service provider (Twilio) and mobile carriers solely to deliver text messages you've consented to receive. We do not share or sell your phone number or SMS opt-in status with third parties for marketing purposes.

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.
• 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.

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.

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.

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.
• 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.
• To fulfill the purpose for which you provide it.
• With your consent.

Choices About How We Use and Disclose 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.
• AI Processing. You may opt-out of certain AI-powered features and automated decision-making by contacting us at [email protected].
• 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.
• 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.

Your State Privacy Rights

State consumer privacy laws may provide their residents with additional rights regarding our use of their personal information. To exercise any of these rights please email [email protected].

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.

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 or through a notice on the Sites home page.

Contact Information

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

CB.AI Inc
980 N Michigan Ave Ste 1090 PMB 702739
Chicago, Illinois 60611-4521 US
Phone: (312) 564-4453
Privacy: [email protected]
General Contact: [email protected]