MySpikeScore
1) Scope & Consent
This Privacy Policy applies to the MySpikeScore website, applications, and related services (the “Service”). By creating an account or using the Service, you consent to the collection, use, and disclosure of information as described here.
2) Information We Collect
We may collect the following categories of information:
- Personal Information: Name, email address, phone number, mailing address, date of birth (if required), and login credentials.
- Credit & Financial Information: Credit reports, scores, and credit history from third-party bureaus; loan/debt/account data where authorized.
- Technical & Usage Information: IP address, device and browser data, pages visited, session duration, referral URLs, and analytics data.
- Cookies/Tracking Data: Cookies, pixels, and similar technologies for analytics, personalization, and security.
3) How We Use Information
- Provide, maintain, and improve our credit tools and recommendations.
- Verify identity and retrieve credit report(s) or score(s) with your authorization.
- Personalize dashboards, insights, and alerts.
- Communicate service updates, offers, and account notices.
- Detect, prevent, and investigate fraud, abuse, or security incidents.
- Comply with applicable laws and regulatory obligations.
We do not sell your personal data.
6) Data Security
We implement administrative, technical, and physical safeguards, including HTTPS/SSL encryption in transit, access controls, and periodic security reviews. No system is completely secure; use the Service at your own risk.
7) Your Rights & Choices
- Access, update, or delete certain personal information.
- Request a copy of your personal data where legally applicable.
- Opt out of marketing communications using unsubscribe links or account settings.
- Object to or restrict specific processing as provided by law.
To exercise your rights, contact privacy@myspikescore.com.
8) Withdrawing Consent
You may withdraw consent for us to access your credit data at any time by emailing support@myspikescore.com or via account settings where available. Withdrawal may limit our ability to provide parts of the Service.
9) Data Retention
We retain personal and credit-related data only as long as needed to provide the Service, comply with legal obligations, resolve disputes, and enforce agreements. We may anonymize data for analytics or research.
10) Children’s Privacy
Our Service is not intended for individuals under 18. We do not knowingly collect information from children. If you believe a child provided personal data, contact us to remove it.
11) Third-Party Links
Our site may link to external websites or services not operated by MySpikeScore. We are not responsible for their privacy practices. Review their policies for more information.
12) International Data Transfers
Your information may be transferred to and processed in countries other than your own. We use appropriate safeguards (such as contractual clauses) where required by law.
13) Changes to this Policy
We may update this Privacy Policy from time to time. We will post the updated version with a new Effective Date. Continued use of the Service constitutes acceptance of the updated policy.
14) Contact Us
- Email (Privacy): privacy@myspikescore.com
- Email (Support): support@myspikescore.com
- Address: [Company Legal Address]