Our Stance on Your Privacy
Effective May 24, 2026.
Most privacy policies hide behind dense legal jargon. We refuse to operate that way. You visit Credit Claritys to master your credit and command your financial future. You expect straight answers about routing numbers, account balances, and debit card issues. We owe you that exact same clarity regarding your personal data.
Real privacy. Zero loopholes. Total transparency.
We wrote this document in plain English. We want you to understand exactly what happens when you click around our site, read our guides, or send us a question. We track certain metrics to improve our content. We ignore everything else.
The Data We Absolutely Do Not Collect
Let us establish the most critical baseline first. We run an educational financial website. We do not operate a bank.
We never ask for your Social Security Number. We never request your bank account digits, routing numbers, or debit card PINs. If you receive an email claiming to be from Credit Claritys asking for this information, you are looking at a phishing scam.
We do not want your financial credentials.
Our goal is to help you navigate the friction of the banking system. Holding your sensitive financial data introduces massive unnecessary risk. We avoid that risk entirely by refusing to collect those details.
Information You Voluntarily Provide
You will occasionally hit a roadblock. You will use our contact form to ask a specific question about closing an account or disputing a credit card charge.
When you do this, you give us your name and your email address. We require this data for one simple reason. We need a reliable way to reply to you.
We do not add your email to a hidden marketing list. We do not sell your contact details to third-party credit repair agencies. We use your email strictly to answer your question. Once the conversation ends, we purge that correspondence from our active servers within 90 days.
How We Use Cookies and Analytics
We use cookies. Every functional website on the internet requires them to operate correctly.
We deploy Google Analytics and Google Search Console to monitor site performance. This tracking illuminates our blind spots. It tells us exactly which articles solve your problems and which ones fall flat.
If we see 10,000 visitors land on our guide to finding a lost debit card and immediately leave, we know our content failed. We use that aggregate data to rewrite the article. We fix the layout. We make the answers faster to find.
This data collection focuses entirely on behavior patterns. We look at bounce rates, time on page, and click paths. We do not track your individual identity across the web. The noise of millions of pageviews helps us refine the signal of our core educational content.
Third-Party Banking Links
We frequently link to official banking portals. You will find links pointing to Premier America Credit Union, First PREMIER Bankcard, and other major financial institutions.
Clicking those links moves you off our servers. You enter their digital territory.
Their privacy policies immediately take effect. Banks use highly aggressive tracking pixels and session monitoring to prevent fraud. We do not control their infrastructure. We cannot dictate how they handle the data you submit on their domains.
Read their terms carefully before you type your routing number into their forms.
Data Retention and Server Logs
Our hosting provider automatically collects standard server logs. These logs capture IP addresses, browser types, and timestamp data.
This is a fundamental requirement for keeping the website online. We use this raw data to block malicious bot traffic and prevent brute-force attacks on our infrastructure.
We retain these security logs for 30 days. The system overwrites them automatically after that window closes. We never cross-reference your IP address with your contact form submissions.
How We Secure Our Infrastructure
We protect this website with standard SSL encryption. This prevents third parties from intercepting the questions you submit through our contact forms.
We restrict backend server access to our core administrative team. We enforce strict two-factor authentication for anyone touching our content management system.
No digital fortress is entirely impenetrable.
We mitigate the impact of potential breaches through strict data minimization. Hackers cannot steal financial credentials from our database because we refuse to store them in the first place.
Your Rights and Control
You own your personal information. You dictate how we handle it.
You hold the right to request a full export of any data we have tied to your email address. You hold the right to demand immediate deletion of that data.
Send your request directly to [email protected]. We do not use automated bots to handle these requests. A real member of our editorial team will process your email within 48 hours.
We read it. We verify it. We execute the deletion.
Children Under Thirteen
Credit Claritys covers adult financial topics. We discuss credit building, debt management, and banking logistics.
We do not intentionally collect data from anyone under the age of thirteen. If you are a parent and discover your child submitted personal details through our contact form, notify us immediately. We will scrub that information from our database the moment we confirm the request.
Policy Updates and Modifications
Digital privacy laws change constantly. Tracking technology evolves. We adapt our internal practices to match these realities.
When we change how we handle your data, we will update this page. We will not flood your inbox with confusing legal updates. We will simply revise the text here and adjust the effective date at the top of the document.
Check this page periodically if you want to monitor our exact data practices.