Privacy Policy
Effective Date: March 19, 2026 · Last Updated: March 19, 2026
This Privacy Policy describes how CreditDoc.co ("CreditDoc," "we," "us," or "our"), a website owned and operated by Cosmic Phoenix LLC, collects, uses, discloses, and protects information about you when you visit our website at creditdoc.co (the "Site"). By using the Site, you agree to the collection and use of information in accordance with this policy.
1. Information We Collect
1.1 Information You Provide Voluntarily
We may collect personal information that you voluntarily provide to us, including:
- Email address -- if you subscribe to our newsletter or contact us
- Name -- if you contact us via email
- Message content -- if you send us a correction request, feedback, or inquiry
1.2 Information Collected Automatically
When you visit the Site, certain information is collected automatically through cookies and similar technologies:
- Device and browser information -- browser type, operating system, device type, screen resolution
- Usage data -- pages visited, time spent on pages, referring URLs, click patterns
- IP address -- used for approximate geographic location (country/region level) and security purposes
- Cookies and similar technologies -- see Section 5 below for details
1.3 Information from Third Parties
We may receive anonymized, aggregated analytics data from third-party analytics providers (such as Google Analytics) about how visitors interact with the Site. This data does not identify individual users.
2. How We Use Your Information
We use the information we collect for the following purposes:
- To provide and improve the Site -- analyzing usage patterns to improve content, navigation, and user experience
- To communicate with you -- responding to inquiries, sending newsletters (if subscribed), and providing updates about our services
- To maintain security -- detecting and preventing fraud, abuse, or unauthorized access to the Site
- To comply with legal obligations -- responding to lawful requests from public authorities and complying with applicable laws
- For analytics -- understanding which pages and content are most useful to our visitors, so we can improve our research and recommendations
3. How We Share Your Information
We do not sell your personal information. We have never sold personal information and have no plans to do so.
We may share information with the following categories of third parties:
- Analytics providers -- We use analytics services (such as Google Analytics) to understand how visitors use the Site. These providers collect anonymized data about your interactions with the Site. Google's privacy policy is available at policies.google.com/privacy.
- Affiliate networks and partners -- When you click an affiliate link, the destination company and/or their affiliate network may collect information about your visit. This is governed by those third parties' own privacy policies, not ours. We do not share your personal information (such as your email address) with affiliate partners.
- Email service providers -- If you subscribe to our newsletter, your email address is stored with our email service provider for the purpose of sending you newsletters. You can unsubscribe at any time.
- Legal requirements -- We may disclose information if required by law, subpoena, court order, or other governmental authority.
- Business transfers -- In the event of a merger, acquisition, or sale of assets, user information may be transferred to the acquiring entity.
4. Data Retention
We retain your information only for as long as necessary to fulfill the purposes described in this Privacy Policy:
- Email addresses -- retained until you unsubscribe or request deletion
- Analytics data -- retained in accordance with our analytics provider's data retention settings (typically 14-26 months)
- Server logs -- retained for up to 90 days for security and troubleshooting purposes
- Correspondence -- retained for as long as necessary to resolve your inquiry, plus a reasonable period afterward for record-keeping
5. Cookies and Tracking Technologies
Cookies are small text files placed on your device by websites you visit. We use cookies and similar technologies for the following purposes:
| Type | Purpose | Duration |
|---|---|---|
| Essential | Basic site functionality (e.g., remembering preferences) | Session |
| Analytics | Understanding how visitors use the Site (Google Analytics) | Up to 2 years |
| Affiliate tracking | Tracking referrals to affiliate partners when you click links | Varies by partner |
How to Manage Cookies
Most web browsers allow you to control cookies through their settings. You can typically:
- Delete existing cookies from your browser
- Block all cookies or only third-party cookies
- Set your browser to notify you when a cookie is placed
Please note that disabling cookies may affect the functionality of the Site. For Google Analytics specifically, you can opt out by installing the Google Analytics Opt-out Browser Add-on.
6. Your Privacy Rights (California Residents)
If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and its amendments (CPRA). These rights include:
Right to Know
You have the right to request information about what personal information we have collected about you, the sources of that information, the purpose for collecting it, and the categories of third parties with whom we share it.
Right to Delete
You have the right to request that we delete personal information we have collected about you, subject to certain exceptions (such as legal obligations or exercising legal claims).
Right to Opt-Out of Sale
You have the right to opt out of the "sale" of your personal information. CreditDoc does not sell personal information, so this right does not currently apply. If our practices change, we will update this policy and provide a "Do Not Sell My Personal Information" link.
Right to Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights. We will not charge you different prices, provide different quality of service, or deny you services for exercising your privacy rights.
Right to Correct
You have the right to request that we correct inaccurate personal information that we maintain about you.
To exercise any of these rights, please contact us at contact@creditdoc.co. We will respond to verifiable requests within 45 days.
7. Children's Privacy
The Site is not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18 years of age. If we learn that we have collected personal information from a child under 18, we will promptly delete that information. If you believe we have collected information from a child under 18, please contact us immediately at contact@creditdoc.co.
8. Security Measures
We implement reasonable technical and organizational security measures to protect the information we collect, including:
- SSL/TLS encryption for all data transmitted between your browser and our servers
- Secure hosting infrastructure with regular security updates
- Access controls limiting who can access personal information
- Regular review of our data collection, storage, and processing practices
However, no method of transmission over the Internet or method of electronic storage is completely secure. While we strive to protect your personal information, we cannot guarantee its absolute security.
9. Third-Party Links
The Site contains links to third-party websites, including the websites of credit repair companies, lenders, and other financial service providers. This Privacy Policy applies only to CreditDoc.co. We are not responsible for the privacy practices, content, or security of any third-party websites. We encourage you to review the privacy policy of every website you visit, particularly before providing any personal information.
10. International Users
CreditDoc is operated from the United States and is primarily intended for U.S. residents. If you are accessing the Site from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States. By using the Site, you consent to the transfer of your information to the United States, which may have different data protection laws than your country of residence.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Effective Date" and "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically. Your continued use of the Site after any changes constitutes your acceptance of the updated Privacy Policy.
12. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: