Last Updated: January 2024
TrustMate Credit Assistant, operated by Ortega Pineda, Lucy Edith, is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you use our credit assessment services.
1. Information We Collect
To provide you with accurate credit assessment services, we collect the following types of information:
- Financial Information: Financial status, income, expenses, and debt information
- Repayment History: Past loan and credit repayment records
- Behavioral Data: Financial behavior patterns and spending habits
- Personal Information: Name, email address, phone number, and identity verification documents
- Usage Data: How you interact with our platform, including pages visited and features used
2. How We Use Your Information
We use the collected information solely for the following purposes:
- To generate accurate credit assessments and credit scores
- To provide personalized credit improvement recommendations
- To analyze your creditworthiness from multiple perspectives
- To improve and optimize our AI algorithms and services
- To communicate with you about your credit assessment and our services
- To comply with legal and regulatory requirements
Important: All information is used exclusively for credit assessment and service optimization purposes.
2. How We Use Your Information
We use the collected information solely for the following purposes:
- To generate accurate credit assessments and credit scores
- To provide personalized credit improvement recommendations
- To analyze your creditworthiness from multiple perspectives
- To improve and optimize our AI algorithms and services
- To communicate with you about your credit assessment and our services
- To comply with legal and regulatory requirements
Important: All information is used exclusively for credit assessment and service optimization purposes.
3. Data Security and Protection
We implement comprehensive security measures to protect your information:
- Advanced Encryption: All data is encrypted using industry-standard encryption protocols
- Secure Storage: Your information is stored in secure, access-controlled systems
- Access Controls: Only authorized personnel have access to your data
- Regular Audits: We conduct regular security audits and assessments
- Data Backup: Regular backups ensure data integrity and availability
4. Data Sharing and Third Parties
We DO NOT:
- Sell your personal information to anyone
- Disclose your information to unrelated third parties
- Share your data for marketing purposes
We MAY share information only with:
- Essential service providers (data analytics platforms, security verification agencies)
- Legal authorities when required by law or regulation
- Business partners only when necessary for providing our credit assessment services
All third-party partners are contractually bound to maintain the confidentiality and security of your information.
5. Data Retention
We retain your information only for as long as necessary to:
- Provide our credit assessment services
- Comply with legal and regulatory requirements
- Resolve disputes and enforce agreements
You may request deletion of your data at any time by contacting us. We will honor such requests in accordance with applicable data protection laws.
6. Your Rights
You have the following rights regarding your personal information:
- Access: Request access to your personal data
- Correction: Request correction of inaccurate or incomplete data
- Deletion: Request deletion of your personal data
- Data Portability: Request a copy of your data in a structured format
- Objection: Object to certain processing of your data
- Complaint: File a complaint with relevant data protection authorities
7. Age Requirement
Our services are intended for users who are 18 years of age or older. We do not knowingly collect personal information from individuals under 18 years of age. If you believe we have collected information from someone under 18, please contact us immediately.
8. Cookies and Tracking Technologies
We use cookies and similar technologies to:
- Enhance your user experience
- Analyze website traffic and usage patterns
- Personalize content and advertisements
- Remember your preferences and settings
You can control cookie preferences through your browser settings. However, disabling cookies may affect your ability to use certain features of our platform.
9. Independent Platform Statement
Important Notice: TrustMate is an independent credit assessment platform. We are not affiliated with, sponsored by, or connected to any bank or licensed lending institution. All information collected is used solely for credit assessment and service optimization purposes.
10. Policy Updates
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any significant changes by:
- Posting the updated policy on our website
- Sending you an email notification (if you have provided your email)
- Displaying a prominent notice on our platform
Your continued use of our services after the policy update constitutes your acceptance of the revised policy.
11. Contact Information
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: