Privacy Policy for HatchCredit.com

Effective Date: January 7, 2025

1. Introduction

Welcome to HatchCredit.com! We value your privacy and are committed to safeguarding your personal information. This Privacy Policy outlines how we collect, use, and protect your information. By using HatchCredit’s services, you agree to the practices described in this policy.

2. Information We Collect

Personal and Financial Information

HatchCredit collects information that is user provided as well as data provided by TransUnion in your credit report. We do not store this information on our systems. It is used solely to personalize feedback displayed in the application, which is processed in real-time on the front end.

Automatically Collected Information

We may automatically collect basic technical data to enhance your experience. This includes:

  • Device Information: IP address, browser type, device identifiers, and operating system.
  • Usage Data: Page views, time spent, clicks, and other activity on our website.

This data helps us understand user behavior to improve the functionality and user experience of our services.

3. How We Use Your Information

  • Service Provision: To deliver personalized credit recommendations based on your TransUnion credit report. No data is stored after processing.
  • Account Notifications: To send updates or important credit-related information.
  • Legal Compliance: To comply with applicable laws and regulations.

4. Sharing and Disclosure of Information

We respect your privacy and do not sell your personal information. We may share data only with:

  • Service Providers: For site or app operation.
  • Legal Compliance: To satisfy legal or regulatory requirements.

5. Your Choices and Rights

You may:

  • Request access or correction by emailing [email protected]
  • Manage communication preferences (except transactional updates)

6. Data Security

  • Data encryption
  • Two-Factor Authentication (2FA)
  • Ongoing security audits
  • SOC 2 Type II certification in progress

While we use strong measures, no system can guarantee absolute security.

7. Retention of Information

We retain data indefinitely unless instructed otherwise. Account data is deleted upon request in compliance with laws.

8. International Data Transfers

HatchCredit serves U.S. residents only. No international data processing occurs.

9. Legal and Compliance

We comply with state-level credit reporting and privacy laws, maintaining high standards of data protection.

10. Changes to This Privacy Policy

We may update this policy. Significant changes will be posted, and users are encouraged to review it periodically.

11. Contact Us

For questions, email us at [email protected]