Credit GPS privacy & data

This policy describes how Credit GPS Inc., an Ontario corporation, collects, uses, shares, and protects personal information when you use our website at creditgps.ca

Email address, hashed password, full name, postal code

Card name, last four digits, statement balance, credit limit, statement close date, next payment due date, minimum payment amount, overdue flag

IP address at sign-in, user-agent string, sign-in timestamps, audit logs of access to your data

App interactions, recommendation history, feature usage, support requests

compute your next-move recommendation and show your account information to you

process payments through Stripe and manage your plan

send transactional messages such as receipts, security alerts, and material policy changes

detect unauthorized access and protect your account

analyze de-identified or aggregated usage data

kept while your subscription is active, plus 90 days after cancellation for billing-dispute resolution

deleted within 7 days of you unlinking the institution or closing your account

deleted within 30 days of account closure

retained for 90 days

retained for 7 years, with customer-identifying fields redacted where the law allows

Most of our sub-processors are based in the United States.

We rely on contractual safeguards (data-processing agreements with each sub-processor)

We rely on contractual safeguards (data-processing agreements with each sub-processor)

Access the personal information we hold about you.

Request correction of inaccurate or incomplete information.

Withdraw consent (subject to legal or contractual restrictions and reasonable notice).

Request deletion of your personal information, subject to our retention obligations under Section 8.

Receive a copy of your personal information in a portable format.

File a complaint with the Office of the Privacy Commissioner of Canada if you are not satisfied with our response.

We do not sell or rent your personal information. We do not share your personal information with advertisers.