Privacy Policy

Privacy Policy
Effective Date: August 20, 2025
Applies to: topcreditquote.com (“Top Credit Quote”, “we”, “us”, “our”) — U.S. audience

Notice at Collection — Categories, Purposes, Retention (Summary)
• Identifiers (name, email you submit) — use: respond to requests, manage subscriptions/partnerships; retention: 24–36 months.
• Internet/Device data (IP address, device/browser, pages viewed, referrers, clicks, scrolls) — use: security, site operation, analytics, limited personalization; retention: up to 24 months.
• Commercial/Attribution info (affiliate click or sign-up status) — use: attribution, performance measurement, fraud/abuse prevention; retention: up to 24 months.
• Inferences/Profiles — we do not build sensitive profiles; basic content personalization only; retention: up to 24 months.
• Sensitive personal information — not collected intentionally; N/A.
Sale/Sharing: we do not sell personal information for money. Some analytics/ads may be “sharing for cross-context behavioral advertising” under California law. Opt out via our “Do Not Sell or Share My Personal Information” option in the footer or by email. We honor Global Privacy Control (GPC) and recognize universal opt-out mechanisms where required by law.

Section 1 — Who We Are & Scope
Top Credit Quote publishes reviews, comparisons, and guides for U.S. readers across three niches: Finance & Investment, Technology (including SaaS/AI), and Health & Fitness. We currently earn through affiliate partnerships and may, in the future, sell our own products. This Policy explains how we collect, use, disclose, and protect information when you visit the site, interact with content, click affiliate links, subscribe, contact us, or (if introduced later) purchase our own products. This Policy works together with our Terms & Conditions, Disclaimer, Affiliate Disclosure, and Cookie Settings. We are not a bank, lender, broker, advisor, fiduciary, healthcare provider/insurer, or GLBA/HIPAA-covered entity.

Section 2 — What We Collect
2.1 Information you provide: name, email address, message content, partnership/media inquiries, preferences you share with us.
2.2 Automatic/device info: IP address, device/browser type, OS, approximate location by city/state, timestamps, pages viewed, referrers, outbound link clicks (including affiliate links), scrolls/clicks.
2.3 Cookies & similar tech: first-party and third-party cookies, pixels, local storage for operations, analytics, advertising, and attribution.
2.4 Commercial/attribution data: whether a click, sign-up, or purchase is credited to a partner; we do not receive your card/bank numbers from partners.
2.5 Future direct sales (if introduced): contact/shipping info you provide; order metadata; payments processed by a third-party processor—we do not store full payment card data on our servers. We will update this Policy before any material changes.
2.6 Sensitive data: we do not intentionally collect sensitive data (e.g., SSN, precise geolocation, health records). Do not send such data to us.
2.7 Children: Our services are for adults (13+). We do not knowingly collect data from children under 13 (COPPA).

Section 2A — Data Sources
We collect personal information from: you directly; automatic collection (cookies/analytics/logs); affiliate/advertising partners (attribution status only); and public/aggregated sources that do not reasonably identify you.

Section 3 — How We Use Information
Provide, operate, and secure the site; respond to questions and manage subscriptions; measure and improve performance/content; personalize content and limit irrelevant ads; attribute affiliate referrals and prevent fraud/abuse; enforce policies and comply with law; (if we introduce direct sales) fulfill orders and provide customer support.

Section 4 — Cookies, Analytics, Ads & Your Choices
Use our Cookie Settings (banner/footer); adjust browser settings; use industry opt-out tools (e.g., AdChoices/NAI) and ad-platform privacy controls. We honor GPC where applicable. Do Not Track (DNT) is not standardized; we rely on Cookie Settings and GPC for opt-outs.

Section 5 — When We Disclose Information
Service providers/contractors (hosting, security, analytics, email delivery, customer support) under contracts that limit use; advertising/affiliate partners to attribute clicks and conversions and prevent fraud; legal/safety purposes; business transfers (merger, acquisition, reorganization, asset sale); aggregated or de-identified data; (if we introduce direct sales) payment processors and fulfillment partners.

Section 6 — CPRA 12-Month Disclosure
In the past 12 months, we have disclosed identifiers, internet/activity data, and commercial/attribution data to service providers and affiliate/advertising partners for business purposes as described above. We have not sold personal information for monetary consideration.

Section 7 — “Sale” and “Sharing” Under California Law
We do not sell personal information for money. Some partners may process data for cross-context behavioral advertising (“sharing”). Opt out via our “Do Not Sell or Share My Personal Information” option in the footer, enable a browser GPC signal, or email a request with subject “Do Not Sell or Share.”

Colorado & Other Universal Opt-Outs
We recognize browser-based opt-out preference signals where required by law (e.g., GPC). Colorado residents may use a state-recognized universal opt-out mechanism to opt out of targeted advertising.

Nevada Privacy Notice
We do not sell personal information for monetary consideration. Nevada residents may submit a “Do Not Sell” request to: info@topcreditquote.com.

Section 8 — Your U.S. State Privacy Rights
Depending on your state (including CA, CO, CT, UT, VA), you may have rights to:
• access and receive a copy of personal information we hold about you;
• delete personal information (subject to legal exceptions);
• correct inaccurate personal information;
• opt out of sale, sharing, or targeted advertising;
• be free from discrimination for exercising your rights;
• limit use/disclosure of sensitive personal information (we do not use it beyond essential purposes).

How to exercise: email your request and include your name and the email you used with us. We may need to verify your identity (e.g., reply-to-verify email and limited details you previously provided). We aim to respond within 45 days (with one 45-day extension if reasonably necessary). Authorized agents may submit requests with proof of authority.
Appeals: where required by law, you may appeal our decision by emailing us with the subject “Privacy Request Appeal.” If you still disagree, you may contact your state Attorney General.

Section 9 — Data Retention
We retain personal information only as long as necessary for the purposes described or as required by law. Typical periods by category:
• Identifiers (name, email you submit): 24–36 months.
• Internet/Device data (IP, pages, clicks, logs): up to 24 months.
• Commercial/Attribution data: up to 24 months.
• Records needed for legal, security, tax, or accounting: as required by applicable law.
• (If direct sales introduced) order/transaction metadata: as required for tax, accounting, fraud prevention, and warranty/support.
When data is no longer needed, we delete or de-identify it.

Section 10 — Security
We use administrative, technical, and physical safeguards appropriate to the data (e.g., SSL/TLS in transit, access controls, least-privilege practices). No method of transmission or storage is 100% secure.

Section 11 — International Visitors
This site targets the United States and is operated from the U.S. If you access it from outside the U.S., you consent to processing in the U.S., which may have different data-protection laws.

Section 12 — Third-Party Links & Features
Our site links to third-party websites, products, and services. Their privacy practices are governed by their own policies. Review their terms and privacy notices before engaging or purchasing.

Section 13 — Email & Communications
If you subscribe, we use your email to send requested content and updates. You can unsubscribe at any time using the unsubscribe option in our emails or by contacting us. We do not sell subscriber emails.

Section 14 — Financial Incentives
We do not offer paid financial incentives for personal information. If that changes, we will describe the program terms, any material differences in price/service, and how to opt in or opt out.

Section 15 — Accessibility
If you need this Policy in an alternative format or need assistance exercising your privacy rights, contact us, and we will help.

Section 16 — Children’s Privacy
We do not knowingly collect personal information from children under 13. If we learn a child has provided personal information, we will promptly delete it and disable any related record.

Section 17 — Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will post the revised version with a new Effective Date at the top. Your continued use of the site means you accept the updated Policy.

Section 18 — Contact Us
Questions or privacy requests: info@topcreditquote.com
Partnerships and media: partners@topcreditquote.com
Mailing address: New York, NY, USA
Typical response time: 24–48 U.S. business hours for general questions; up to 45 days for verified privacy requests.
Suggested subject lines: “Access Request,” “Deletion Request,” “Correction Request,” “Do Not Sell or Share,” “Privacy Request Appeal.”

Appendix — Category Map (What we collect vs. purpose)
• Identifiers (name, email you submit) — respond to requests, manage subscriptions/partnerships, prevent abuse.
• Device/usage data (IP, pages, clicks, referrers) — secure and operate the site, analytics, performance, and limited personalization.
• Cookie/analytics data — operations, analytics, advertising, attribution, fraud prevention.
• Commercial/attribution data — attribute affiliate referrals and measure campaigns.
• Future direct sales (if introduced) — order/shipping info; payments via third-party processor.
• Sensitive personal information — not collected intentionally; do not send such data to us.