Privacy Policy
Last updated: September 2026
🔒 The Short Version
We collect minimal data, we don't sell your information to third parties, and we use industry-standard security practices. Our interactive tools run entirely in your browser — we don't store your credit card balances or personal financial data.
Information We Collect
Information You Provide
We may collect information you voluntarily provide, such as:
- Your name, email address and message, if you use our contact form
- Anything else you choose to include in a message to us
Information Collected Automatically
Like most websites, our web server keeps standard access logs, which record:
- IP address
- Browser type and device information
- Pages requested and the time of the request
- Referring website
Information We DON'T Collect
Our interactive tools run entirely in your browser. We do not collect, store, or transmit:
- Your credit card balances or limits
- Your credit score
- Personal information entered into our tools
- Dispute letter content
How We Use Your Information
- Respond to your questions, corrections and requests
- Fix and improve our guides and tools
- Keep the site running and secure, and prevent abuse
Cookies and Tracking
We don't set advertising or analytics cookies. When you click an affiliate link and land on a partner's site, that partner or its affiliate network may set a cookie so it can credit us for the referral.
You can control cookies through your browser settings.
Third-Party Services
| Service | Purpose |
|---|---|
| Google (Apps Script and Sheets) | Stores contact form messages so we can reply |
| Google Fonts | Serves the site's fonts (your browser requests them from Google) |
| Affiliate networks (such as Awin and Impact) | Track referral commissions |
Data Security
- HTTPS encryption for all website traffic
- Secure hosting with reputable providers
- Regular security updates and monitoring
Your Rights
- Request access to your personal information
- Request correction or deletion of your information
- Disable cookies through your browser
To make a request, use our contact form and choose "Something else."
Children's Privacy
Our website is not intended for children under 13. We do not knowingly collect personal information from children.
Changes to This Policy
We may update this privacy policy from time to time. Your continued use of the site after changes constitutes acceptance of the updated policy.