Welcome to the website (“Site”) or mobile application (“App”) of FinanciaCredit Inc.
and its affiliates and subsidiaries (“Kikoff,” “we,” “our,” or “us”). FinanciaCredit offers
a free credit builder to jumpstart your financial independence.
This Privacy Policy explains what personal and other data we collect through the
Site, and the App, email, and call center (collectively the “Services”), how we use
and share that data, and your choices concerning our data practices.
By providing us with your personal data when using the Services you agree to the
data practices described in this Privacy Policy. If you do not agree to these
practices, please do not access or use the Services. Before you submit any
Personal Data (as defined below) to FinanciaCredit (through the Services, please
review this Privacy Policy carefully, and contact us at help@Financia.com if
you have any questions.
Please note that if you create an account with us, our Consumer Privacy Notice
applies to you.
Online Privacy Practices
At FinanciaCredit, we believe in building trust with our users. That’s why we’re
committed to being clear and upfront about how we handle your personal
information.
Your Consent is Important:

There might be times when we need your explicit
permission before using or sharing your personal data. This could be because
specific laws require it, or because we believe it’s the best approach for everyone
involved.

Using FinanciaCredit Means You Agree:

By using our website, mobile app, or any
other FinanciaCredit services, you’re generally consenting to us collecting, using,
and sharing your information as described in this Privacy Policy. Additionally,
there might be other notices we provide depending on your relationship with
FinanciaCredit and the services you use. These notices will explain any specific
details about your data.
What information do we collect?
We collect information in two main ways:
Information you provide directly: This includes personal details you share
when you sign up for an account, apply for a product, or contact us for
support. Examples include your name, email address, social security number,
date of birth, and financial information like income and bank account details.
Information collected automatically: When you use our services, we may
automatically collect certain data to improve your experience and enhance
security. This might include your device type, browsing activity, and IP
address.
To help us determine your eligibility for products and prevent fraud, we may also
obtain information from external sources with your consent, such as:
Credit bureaus: We may request credit reports to assess your financial
standing.
Wireless carriers:

To verify your identity and secure your account, we may
collect limited information about your mobile service plan with your
permission. This could include your phone number, subscriber data, and
device identifiers.
Financial institutions:

If you allow us, we may use your login credentials to
securely access your bank account information to verify balances and initiate
transfers.
Why do we collect this information?
The information we gather allows us to:
Deliver our services effectively and securely.
Evaluate your eligibility for FinanciaCredit products.
Prevent fraud and maintain the security of your account.
Improve our platform and provide a better user experience.
Comply with legal and regulatory requirements.
Information FinanciaCredit Collects Automatically
When you visit our website or mobile app, we may automatically collect certain
information about your visit and interactions that doesn’t directly identify you.

This helps us understand how people use FinanciaCredit and improve your
experience. Here’s what we collect:
Traffic Data: We track things like the number of visitors, peak usage times,
which pages are viewed, referral websites, and the type of browsers used. This
gives us broad insights into usage patterns.
Device Information:

We collect basic information about your device, such as
its operating system, browser type, and name (if available).
Usage Information: We track how you interact with FinanciaCredit, including the
features you use, the content you view, and the actions you take. This helps us
understand what users find valuable and identify areas for improvement.
Cookies and Tracking Technologies:
FinanciaCredit, and sometimes third-party service providers, may use cookies, pixel
tags, and other tracking technologies to enhance your experience and gather
additional data. These technologies work in a few ways:
Cookies: These small data files store information on your device to remember
your preferences and improve your browsing experience. For example, a
cookie might remember your login information so you don’t have to enter it
every time.
Pixel Tags (Clear GIFs):

These tiny graphics are embedded in content and
emails to track activity, such as page visits or email opens. This helps us
personalize your experience and understand how users interact with our
content.
Controlling Your Information:
Most web browsers allow you to manage cookies and other tracking technologies.
You can usually choose to block them, receive notifications when they’re used, or
delete them entirely. Refer to your browser’s help section for specific
instructions.
Third-Party Analytics:
We may use third-party services like Google Analytics to track website usage and
gather broader insights about online behavior. These services use their own
cookies and tracking technologies, and their privacy policies govern how they
handle your data. You can opt-out of Google Analytics data collection by visiting
Information you provide directly: This includes personal details you share when
you sign up for an account, apply for a product, or contact us for support.
Examples include your name, email address, social security number, date of birth,
and financial information like income and bank account details.
Information collected automatically: When you use our services, we may
automatically collect certain data to improve your experience and enhance
security. This might include your device type, browsing activity, and IP address.
To help us determine your eligibility for products and prevent fraud, we may also
obtain information from external sources with your consent, such as:
Credit bureaus: We may request credit reports to assess your financial standing.
Wireless carriers: To verify your identity and secure your account, we may collect
limited information about your mobile service plan with your permission. This
could include your phone number, subscriber data, and device identifiers.
Financial institutions: If you allow us, we may use your login credentials to
securely access your bank account information to verify balances and initiate
transfers.
Safeguarding Your Information at FinanciaCredit
At FinanciaCredit, we take the security of your personal information very seriously.
We utilize a robust security framework that complies with all applicable federal
and state laws to protect your data from unauthorized access and misuse. Here’s
How we achieve this:
Security Measures: We implement a variety of security controls, including:
Device safeguards: We secure our devices and servers to prevent
unauthorized access.
Secured files and buildings:

Your information is stored securely both
electronically and physically.
Rigorous oversight: We maintain strict oversight of our third-party vendors
to ensure they meet our high security standards.
Confidentiality is Priority: We take all necessary steps to ensure your personal
information remains confidential.
How FinanciaCredit Uses Your Information
At FinanciaCredit, we use the information we collect for a variety of purposes, all
aimed at providing you with a secure and valuable experience. Here’s a breakdown
of how we utilize your data:
Delivering Our Services:
We use your information to process your application for financial products
and services, provide customer support, and ensure smooth operation of our
services.
This includes communication regarding your application status, account
management, and any questions you may have.
Marketing and Communication:
We may use your information to inform you about new FinanciaCredit products
and services that might be relevant to you. (You can always opt-out of
marketing communications).
We may also use your information to respond to inquiries, comments, and
feedback you provide.
Keeping You Informed:
We may send you administrative information related to FinanciaCredit, including
updates to our terms and conditions, service changes, or important
announcements.
Service Improvement:
We analyze how users interact with FinanciaCredit to identify areas for
improvement, personalize your experience, and make our services more userfriendly.
Security and Legality:
We use your information to enforce our Terms of Use and Privacy Policy,
prevent fraud and illegal activity, and ensure the security of our systems.
We may also use your information to comply with legal requirements and
protect the rights of FinanciaCredit, yourself, and other users.
Research and Development:
We may use anonymized data for market research purposes, such as
conducting surveys and gathering statistics.
User-Generated Content:
With your consent, we may publish user-generated content (like reviews or
testimonials) on our website, social media, or marketing materials.
Transparency and Control:
We will always disclose any other purpose for using your information at the
time of collection.
You have the right to control how your information is used, and we will only
use it with your consent or as authorized by law.
Data Retention:
We retain your information for as long as it’s necessary to:

• Deliver the FinanciaCredit services you’ve requested.
• Fulfill any financial transactions.
• Comply with legal requirements.
• Settle disputes.
• Enforce agreements.
• Pursue other legitimate business purposes.
  The exact retention period can vary depending on the specific data and legal
  obligations. We securely dispose of any information that is no longer required
  through methods like shredding, erasing, or anonymizing the data.
  We are committed to being transparent and accountable with your information.
  This policy explains how we use your data, but you can always contact us if you
  have any questions.
  Aggregated Data
  We combine user information in a way that can’t identify you (anonymized data).
  This helps us:
  Improve FinanciaCredit
  Understand user trends
  Conduct market research
  We may use your location (anonymously) to help with this. We respect your
  privacy and follow data security laws.
  Who Sees Your FinanciaCredit Information?
  We take sharing your information seriously. Here’s when we might share it:
  Within FinanciaCredit: We may share your information with our affiliates and
  subsidiaries.
  Trusted Partners: We may share your data with third-party service providers
  who help us operate FinanciaCredit (e.g., technology companies).
  Legal Requirements: We may disclose your information to comply with court
  orders, legal processes, or government requests.
  With Your Consent: We will always get your permission before sharing your
  information with anyone else (except those mentioned above).
  Business Transactions: If FinanciaCredit undergoes a merger or acquisition, your
  information may be transferred as part of the process.
  Legitimate Business Needs: We may share anonymized data for legal or
  business purposes permitted by law.
  We are committed to responsible data sharing and will only share your
  information when necessary. This policy explains the details, but you can always
  contact us with questions.
  FinanciaCredit and Children’s Privacy
  At FinanciaCredit, safeguarding children’s privacy is non-negotiable. Our services are
  designed for adults and we do not knowingly collect personal information from
  anyone under 18.
  Under 18: If you’re not 18, please don’t provide any personal information on
  FinanciaCredit.
  Parents & Guardians: We encourage you to supervise your children’s online
  activity and help us enforce this policy.
  We do not intentionally collect, sell, or disclose personal information of minors
  under the age of 16.
  Additional Privacy Rights (California Residents Only)
  Do Not Track Signals: Currently, FinanciaCredit doesn’t adjust its practices based on
  “Do Not Track” (DNT) signals from your web browser. This Privacy Policy outlines
  how we handle your information regardless of DNT signals. If this changes in the
  future, we will update this policy accordingly.
  Restrictions on Sharing (California Residents): California residents have the right
  to request limitations on how their personal information is shared.
  For more details, please refer to our California Privacy Notice [link to California
  privacy policy pdf].
  This notice explains how you can opt-out of certain data sharing practices.
  Disclosure for Marketing Purposes (California Residents): If we share your
  personal information with third parties for their direct marketing purposes, you
  have the right to request a list of those recipients. To obtain this list, please
  contact us at the address provided in the “Contact Information” section below.
  Security
  At FinanciaCredit, we understand that protecting your information is critical. We use
  industry-standard security measures to safeguard your data:
  Secure Connections:
• We use secure connections (HTTPS) to encrypt data
  between your device and our servers, ensuring a private session.
  Firewall Protection: Our servers are protected by firewalls and other security
  measures to defend against unauthorized access.
  Restricted Access: Only authorized personnel or third parties with a legitimate
  need can access your information, and then only through secure channels.
  Data Storage:
• We securely store your personal data in accordance with
  industry standards for protecting non-public information.
  While we implement these strong measures, complete security is impossible to
  guarantee. No method of data transmission or storage is 100% secure, and this
  applies to email communication as well.
  Here’s what you can do:
  Be mindful of the information you send us via email, especially sensitive data.
  We recommend using secure methods for contacting us when necessary.
  We are committed to protecting your privacy and take data security very
  seriously. If you have any questions about our security practices, please don’t
  hesitate to contact us.
  Contact Information
  Please feel free to contact us if you have any questions about this Privacy Policy
  or information practices: Email: help@Financiacredit.com, Phone: xxx-xxx-xxx
  Effective and Updates
  This FinanciaCredit Privacy Policy is effective as of [Date] ([in YYYY/MM/DD format]).
  We reserve the right to update this Privacy Policy at any time. If we make any
  significant changes, we will post the revised version here on our website. Your
  continued use of our services following any changes constitutes your acceptance
  of the revised Privacy Policy.