ALL THINGS CREDIT INC. 

PRIVACY POLICY 

Effective Date: July 28, 2026 

Introduction 

All Things Credit Inc. (“All Things Credit,” “Company,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information you provide when accessing or using our website, www.allthingscredit.org, and any related websites, applications, educational resources, communications, products, and services (collectively, the “Services”). This Privacy Policy explains how we collect, use, disclose, protect, and manage information obtained through your use of the Services. 

By accessing or using the Services, you acknowledge that you have reviewed and understood this Privacy Policy and consent to the collection, use, disclosure, and processing of information as described herein. If you do not agree with this Privacy Policy, you should discontinue use of the Services. 

Information We Collect 

All Things Credit may collect information that identifies, relates to, describes, or could reasonably be associated with you (“Personal Information”) when you access or use the Services. The types of information we collect depend on how you interact with us and may include information you voluntarily provide, information collected automatically through your use of the Services, and information received from third-party sources. 

Personal Information you provide directly may include your name, email address, telephone number, mailing address, account registration information, communication preferences, responses to forms, inquiries submitted through the Services, and any other information you voluntarily provide. You may also provide information relating to your financial interests, credit-related questions, financial goals, budgeting concerns, or other educational topics. Any financial or credit-related information provided by you is used solely for the purposes described in this Privacy Policy. All Things Credit does not obtain consumer reports, calculate credit scores, determine creditworthiness, or act as a consumer reporting agency under the Fair Credit Reporting Act. 

When you access or use the Services, we may automatically collect certain information about your device and interaction with our website, including your Internet Protocol (“IP”) address, browser type, operating system, device information, pages viewed, links clicked, referring websites, access dates and times, usage patterns, and other technical information. We may collect this information through cookies, pixels, web beacons, tags, analytics tools, and similar technologies. 

We may also receive information from third parties, including analytics providers, advertising partners, affiliate partners, referral sources, social media platforms, business partners, and other service providers. Information obtained from third parties may be combined with information we collect directly from you to improve the Services, provide relevant content, and better understand user preferences. 

Use of Personal Information 

All Things Credit may use Personal Information collected through the Services for legitimate business purposes, including providing, maintaining, operating, and improving the Services; responding to inquiries and requests; providing educational resources, newsletters, updates, and promotional communications; administering user accounts; improving website functionality; analyzing user activity and trends; managing affiliate and referral relationships; connecting users with third-party service providers; detecting and preventing fraud, misuse, security threats, or unauthorized activity; enforcing our Terms of Service; and complying with applicable legal obligations. 

We may also use information collected through the Services to personalize user experiences, improve our educational content, evaluate the effectiveness of our communications, and develop new products, services, or features. 

Cookies and Tracking Technologies 

All Things Credit uses cookies and similar tracking technologies to operate the Services, improve functionality, analyze website performance, understand user behavior, and provide relevant content and communications. Cookies are small data files placed on your device that allow websites to recognize your browser, remember preferences, and collect information regarding website activity. 

We may use cookies, pixels, web beacons, analytics tools, and similar technologies for purposes including website security, performance monitoring, visitor analytics, advertising measurement, affiliate tracking, and improving marketing efforts. Certain third-party providers may place cookies or similar technologies on the Services to collect information about your online activity over time and across different websites. 

You may adjust your browser settings to refuse or limit cookies; however, disabling cookies may impact certain features, functionality, or availability of portions of the Services. 

Analytics, Advertising, and Affiliate Relationships 

All Things Credit may use third-party analytics providers, advertising partners, and affiliate partners to better understand website usage, measure advertising performance, track referrals, and improve our Services. These third parties may collect information through cookies, pixels, tags, or similar technologies. 

Certain links appearing on the Services may be affiliate or referral links. If you click on an affiliate link or purchase a product or service from a third party through such a link, All Things Credit may receive compensation, commissions, or referral fees. Such compensation does not increase the price you pay and does not influence our commitment to providing educational information. We do not guarantee or endorse any third-party product or service, and any relationship between you and a third-party provider is solely between you and that provider. 

Sharing of Personal Information 

All Things Credit may share Personal Information with trusted third parties when necessary to operate our business, provide requested services, or fulfill legitimate business purposes. We may share information with service providers, contractors, technology providers, hosting companies, communication providers, analytics providers, marketing providers, and other vendors who perform services on our behalf. 

We may share information with independent third-party providers, including lenders, credit counselors, financial professionals, attorneys, insurance providers, tax professionals, or other businesses that may provide products or services relevant to your interests. All Things Credit does not own, control, supervise, or guarantee these third-party providers, and any interaction or transaction between you and such providers is solely between you and the applicable third party. 

We may also disclose Personal Information if required by law, legal process, governmental request, court order, or when we believe disclosure is necessary to protect our rights, property, safety, users, or the public. Additionally, Personal Information may be transferred as part of a merger, acquisition, financing transaction, sale of assets, bankruptcy proceeding, or other business transfer. 

SMS and Mobile Communications 

If you voluntarily enroll in an SMS or MMS messaging program operated by All Things Credit, you expressly consent to receive recurring marketing, promotional, informational, transactional, and customer service text messages from us. Information collected in connection with SMS communications may include your mobile telephone number, consent records, opt-in information, messaging preferences, and communication history. 

Message frequency may vary. Message and data rates may apply. Consent to receive text messages is not required as a condition of purchasing goods or services. You may opt out of SMS communications at any time by replying “STOP” to any message received from us. For assistance, you may reply “HELP” or contact us using the information provided below. Wireless carriers are not responsible for delayed or undelivered messages. 

Email Communications 

If you provide your email address, All Things Credit may use your information to provide requested resources, newsletters, educational materials, account-related communications, promotional messages, and other updates. You may unsubscribe from marketing emails at any time by following the unsubscribe instructions contained in the applicable communication. 

Even if you opt out of promotional communications, we may continue sending transactional, administrative, or service-related communications necessary to provide requested services or maintain your account. 

Data Security 

All Things Credit implements commercially reasonable administrative, technical, and physical safeguards designed to protect Personal Information against unauthorized access, disclosure, alteration, misuse, or destruction. However, no method of electronic storage or transmission over the Internet is completely secure, and we cannot guarantee absolute security of your information. 

Data Retention 

All Things Credit retains Personal Information only for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, enforce agreements, and maintain appropriate business records. The length of time information is retained may vary depending on the type of information collected, the purpose for collection, and applicable legal requirements. 

Third-Party Websites and Services 

The Services may contain links to third-party websites, products, services, advertisements, or resources. These third parties operate independently from All Things Credit, and we are not responsible for the privacy practices, security measures, content, or policies of any third-party website or service. 

We encourage users to review the privacy policies and terms of any third-party website or service before providing Personal Information or entering into any transaction. 

Children’s Privacy 

The Services are intended for individuals eighteen (18) years of age or older. All Things Credit does not knowingly collect Personal Information from children under the age of eighteen (18). If we become aware that Personal Information has been collected from a child under eighteen, we will take reasonable steps to delete such information. 

Your Privacy Rights 

Depending on your state of residence, you may have certain rights regarding your Personal Information, including the right to request access to information we maintain about you, request correction of inaccurate information, request deletion of Personal Information where applicable, and request information regarding our collection and disclosure practices. 

To submit a privacy request, please contact us using the information below. We may require verification of your identity before completing certain requests. All Things Credit will respond to privacy requests in accordance with applicable laws. 

California Privacy Rights 

California residents may have additional rights under the California Consumer Privacy Act, as amended, including rights relating to access, deletion, correction, and opting out of certain disclosures of Personal Information. 

California residents may submit privacy requests by contacting All Things Credit using the contact information provided below. All Things Credit does not discriminate against individuals for exercising their privacy rights. 

Nevada Privacy Rights 

Nevada residents may have certain rights regarding the collection and sale of covered Personal Information. Nevada residents may submit a request to opt out of any future sale of covered information by contacting All Things Credit using the information provided below. 

Do Not Track Signals 

Certain web browsers may include a “Do Not Track” feature that allows users to communicate privacy preferences. Because there is currently no universally accepted standard regarding how websites should respond to these signals, All Things Credit does not currently respond to Do Not Track requests. 

Changes to This Privacy Policy 

All Things Credit reserves the right to modify, amend, update, or replace this Privacy Policy at any time in its sole discretion. Any changes will become effective when posted to the Services with a revised effective date. Your continued use of the Services following the posting of any revised Privacy Policy constitutes your acceptance of the updated terms. 

Contact Information 

ALL THINGS CREDIT INC. 
Website: https://allthingscredit.org/ 
Email: info@allthingscredit.org 
Phone: (888) 631-7141