Privacy Policy

Ultimate Credit Builder ("we," "our," or "us") operates the website ultimatecreditbuilder.com and related services. We are a credit readiness and financial education platform — we are not a lender, credit bureau, or financial institution.

We collect information you provide directly to us, including:

• Name, email address, and account credentials when you register
• Credit score range, financial goals, and profile information entered during assessments
• Messages sent through our contact form
• Payment information processed securely through Stripe (we do not store full card numbers)

We also automatically collect certain technical data including IP address, browser type, pages visited, and device information through cookies and analytics tools.

We use your information to:

• Create and manage your account
• Provide personalized credit improvement plans and readiness tracking
• Send transactional emails and progress updates (via Resend)
• Connect you with relevant lending partners when your profile qualifies
• Improve our platform through anonymized analytics
• Respond to your support requests and inquiries
• Comply with legal obligations

We do not sell your personal information. We may share your data with:

• Lending partners — only when you opt in and your profile reaches readiness thresholds
• Service providers (Supabase for data storage, Stripe for payments, Resend for email) under data processing agreements
• Law enforcement or regulators when required by law

Any sharing with lending partners is limited to information necessary for them to evaluate your application and is subject to their own privacy policies.

We use industry-standard security measures including encrypted connections (HTTPS/TLS), secure database storage through Supabase with Row Level Security, and access controls. However, no system is 100% secure. Please use a strong password and notify us immediately if you suspect unauthorized account access.

We use essential cookies to keep you logged in and functional cookies to improve your experience. We may use analytics cookies (such as Google Analytics) to understand how users interact with our platform. You can disable cookies in your browser settings, though some features may not function properly.

Depending on your location, you may have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your account and associated data
• Opt out of marketing communications at any time
• Data portability — receive a copy of your data in a structured format

To exercise these rights, contact us at partner@ultimatecreditbuilder.com.

Our platform is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected data from a minor, please contact us immediately.

We may update this Privacy Policy periodically. When we make material changes, we will notify registered users via email and update the "Last Updated" date above. Continued use of our platform after changes constitutes your acceptance of the revised policy.

For privacy-related questions or to exercise your rights, please contact us at: