1. Who we are
Clear Credit Coach ("Clear Credit Coach," "we," "us," or "our") provides the Clear Credit Coach mobile app (the "App"), and the website at clearcreditcoach.com (the "Site"). The App and Site provide credit education and self-help tools only; we do not provide credit repair services. This Privacy Policy explains what information we collect, how we use it, and the choices you have.
Business name and mailing address: [TODO: legal business name and mailing address].
2. Information we collect
Information you give us in the App
- Account information: your email address and login credentials. Passwords are handled by our authentication provider, and we never see them in plain text. You may optionally add a display name.
- Onboarding answers: your credit goal (for example, buying a home), an approximate score range, and your timeline.
- Self-entered credit information: credit scores you choose to log, the date, the bureau or source, any notes you add, and your goal score. The App does not pull your credit report or score from a credit bureau.
- Progress data: lessons completed, checklist items, and tasks.
- Tool inputs (Premium): information you enter into self-help tools, such as balances, credit limits, budget amounts, and readiness-check answers, and any dispute letter templates you fill in. You send any letters yourself; we do not send them for you.
- Uploaded documents (if offered): files you choose to upload to organize your records, along with file name, type, and size. Documents are stored in private storage that only you can access, and they are never publicly accessible. Credit reports can contain sensitive personal information, so please upload only what you want to store. [TODO: confirm whether document storage ships at launch; remove this bullet if not]
Subscription information
If you start a Premium trial or subscription, Apple or Google processes the payment. We receive subscription status (for example, active, trial, or expired, plus renewal or expiration date and product) through our subscription-management provider. We do not receive your full payment card number.
Guide purchases
If you buy The Do-It-Yourself Credit Report Guide, the purchase is processed and the files are delivered by Gumroad. We receive information about the order from Gumroad, such as your name, email address, the product purchased, the price paid, and your approximate location (country and ZIP code). We do not receive your full payment card number. Gumroad's own privacy policy applies to information you give Gumroad.
Information from the Site
- Email signups: if you sign up for the free checklist or our emails, you give us your email address (and your name, if the form asks for it). Email signups are collected and processed by MailerLite, our email service provider, which stores your details and sends our emails on our behalf. MailerLite may also record whether an email was delivered and opened and which links were clicked. Every email includes an unsubscribe link.
- Contact: if you email us, we receive your email address and anything you include in your message.
- Technical information: our website host may automatically log basic technical information, such as IP address, browser type, and pages requested, for security and reliability. The Site does not currently use analytics or advertising cookies. The home page loads Gumroad's checkout script so you can buy the guide without leaving the Site; Gumroad may set its own cookies when its checkout loads or opens. The home page also loads MailerLite's script to show the checklist signup form, and MailerLite may set its own cookies or similar technologies. [TODO: update this sentence if analytics are added]
What we don't ask for in the App
The App does not ask for your Social Security number, bank login credentials, or credit card numbers.
3. How we use information
- To create and secure your account and provide App features (score tracking, lessons, learning paths, checklists, and self-help tools such as calculators, planners, and readiness checks).
- To suggest lessons and learning paths based on your goals and onboarding answers.
- To manage Premium subscriptions and free trials, including trial status and renewal dates.
- To deliver guide purchases and provide related customer support.
- To respond to your messages and send service-related notices (for example, account, security, or policy updates).
- To deliver the free checklist and send the educational emails and launch updates you signed up for. You can unsubscribe anytime.
- To maintain security, prevent fraud and abuse, and comply with legal obligations.
4. How we share information
We do not sell your personal information, and we do not share it for cross-context behavioral advertising. We don't show ads in the App.
We share information only as needed to run our services:
| Who | Why |
|---|---|
| Supabase | Database, authentication, and private file storage for the App |
| RevenueCat | Managing Premium subscription status |
| Apple and Google | App distribution, in-app purchases, and subscription billing |
| Gumroad | Checkout, payment processing, and file delivery for the DIY Guide |
| MailerLite | Email signup forms, subscriber list, and sending our emails (checklist, educational series, launch updates) |
| Google Workspace | Email communication |
| GitHub Pages | Hosting this website |
[TODO: confirm this list matches the services actually in use at launch]
We may also disclose information if required by law or legal process, to protect the rights, safety, and security of our users or others, or as part of a merger, acquisition, or sale of assets (in which case this Policy will continue to apply to your information). We do not contact credit bureaus or creditors on your behalf, and we do not send your information to them.
5. How we protect information
We use reasonable administrative, technical, and physical safeguards, including encryption in transit (HTTPS/TLS), private storage for uploaded documents, and access controls that limit each user to their own data. No method of transmission or storage is 100% secure, so we can't guarantee absolute security.
6. Retention and deletion
We keep your information while your account is active and as needed to provide our services. You can permanently delete your account and App data, including scores, progress, profile, tool inputs, and any uploaded documents, at any time using Settings → Delete my account and data in the App, or by emailing us at hello@clearcreditcoach.com.
Deleting your account does not cancel a Premium subscription. Cancel it in your Apple ID or Google Play subscription settings. We may keep limited records where the law requires it (for example, records related to legal requests or disputes). [TODO: specify retention periods]
7. Your choices and rights
- Access and correction: you can view and edit most of your information directly in the App.
- Deletion: see "Retention and deletion" above.
- Marketing emails: unsubscribe using the link in any email, or contact us.
- Push notifications: turn them off in your device settings.
Depending on where you live, you may have additional rights under state privacy laws, such as the right to know, access, correct, or delete personal information, and the right not to be discriminated against for exercising those rights. To make a request, email hello@clearcreditcoach.com. [TODO: state-specific rights language, if required]
8. Children's privacy
Our services are intended for adults 18 and older and are not directed to children. We do not knowingly collect personal information from children under 13. If you believe a child has provided us information, contact us and we will delete it.
9. Changes to this policy
We may update this Privacy Policy from time to time. If we make material changes, we will update the "Last updated" date and notify you in the App or by email where appropriate.
10. Contact us
Questions or requests? Email hello@clearcreditcoach.com or write to [TODO: mailing address].