Privacy Policy

Last Updated: 2/1/2026

Welcome to CreditAndRefund.com (“we,” “us,” “our,” or the “Company”). Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit our website or interact with us. By using our website, you agree to the terms of this Privacy Policy.

1. Information We Collect

We collect information that you voluntarily provide to us and information that is automatically collected when you visit our website.

A. Personal Information You Provide

You may voluntarily provide personal information when you:

• Fill out a contact form

• Sign up for newsletters or updates

• Request information, consulting services, or proposals

Examples of personal information we may collect include:

• Name

• Email address

• Phone number

• Company name

• Job title

• Any other information you choose to provide

B. Information Collected Automatically

When you visit our website, we may automatically collect:

• IP addresses

• Browser type and version

• Pages you viewed

• Time and date of your visit

• Time spent on pages

• Device and operating system information

• Referral data

We may use cookies, web beacons, and similar tracking technologies to collect this information. You can manage cookie preferences through your browser settings.

2. How We Use Your Information

We may use your personal information for the following purposes:

• To provide, maintain, and improve our services

• To respond to your inquiries and send requested information

• To send newsletters and marketing communications (only with your consent)

• To customize your experience on our website

• To analyze website usage and trends

• To protect our rights, property, or safety and comply with legal obligations

3. How We Share Your Information

We do not sell your personal information. We may share your information in the following ways:

A. Service Providers

We may share information with third-party vendors or service providers who help us operate our website or provide services (e.g., hosting providers, email service providers). These parties are authorized to use your personal information only as necessary to provide services to us.

B. Legal Requirements

We may disclose personal information if required by law, legal process, or government requests, or to protect our rights, privacy, safety, or property.

C. Business Transfers

If we are involved in a merger, acquisition, or asset sale, your personal information may be transferred as part of that transaction.

4. Third-Party Links

Our website may contain links to external websites that are not owned or controlled by us. We are not responsible for the privacy practices of those sites. We encourage you to read the privacy policies of every site you visit.

5. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect the personal information we collect. However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.

6. Your Choices

A. Marketing Communications

You may opt out of receiving marketing emails at any time by clicking the unsubscribe link in the email or contacting us directly.

B. Cookies

You can block or delete cookies through your browser settings. Please note that blocking cookies may affect your ability to use certain features on our website.

7. Children’s Privacy

Our services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that personal information has been collected from a child under 13, we will take steps to delete that information.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The “Last Updated” date at the top reflects the most recent changes. Your continued use of our website after changes means you accept the updated policy.

9. Contact Us

If you have questions about this Privacy Policy or how we handle your information, please contact us:

CreditAndRefund.com

Email: info@creditandrefund.com