Privacy Policy

Credit Hero is a product of Premier Digital Solutions Strategies LLC

Last updated: January 17, 2026

1. Introduction

Credit Hero ("Service"), a product of Premier Digital Solutions Strategies LLC ("Company," "we," "us," or "our"), operates the Credit Hero application and website. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.

Please read this Privacy Policy carefully. If you do not agree with our policies and practices, please do not use our Service.

2. Information We Collect

Personal Information

  • Account Registration: Email address, password, name, phone number (optional)
  • Financial Data: Credit card information (balance, APR, due date, credit limit), loan details
  • Profile Information: Monthly income, debt repayment goals, budget information

Bank Connection Data (via Plaid)

When you connect your bank accounts through Plaid, we receive:

  • Bank account types and balances
  • Transaction history and details
  • Institution name and account names

We do not store your bank login credentials. Plaid handles authentication securely.

Subscription & Payment Data

  • Stripe Customer ID and Subscription ID
  • Subscription status and trial period dates
  • Payment history (processed by Stripe)

We do not store credit card numbers. Stripe handles all payment processing.

Usage Data

  • IP address, browser type, operating system
  • Pages visited, time spent, feature usage
  • Device information (mobile, desktop)

3. How We Use Your Information

  • Provide Services: Maintain your account, process payments, calculate debt payoff strategies
  • Personalization: Tailor recommendations and AI insights to your financial situation
  • Communication: Send account notifications, payment reminders, feature updates
  • Security: Detect fraud, prevent abuse, protect account integrity
  • Analytics: Improve app performance, understand user behavior, fix bugs
  • Compliance: Meet legal obligations and regulatory requirements

4. Sharing Your Information

Third-Party Service Providers

We share information with trusted partners:

  • Supabase: Database hosting and authentication
  • Stripe: Payment processing and subscription management
  • Plaid: Bank account connection and verification
  • Vercel: Application hosting and deployment

Legal Requirements

We may disclose your information if required by law, court order, or when we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others.

No Sale of Data

We do not sell, trade, or rent your personal information to third parties for marketing purposes.

5. Data Retention & Deletion

Retention Schedule (GDPR/CCPA Compliant)

  • Credit Card Data: 7 years (PCI DSS requirement for historical records)
  • Loan Records: 7 years (financial regulation requirement)
  • Subscription/Billing: 3 years (payment processor audit requirement)
  • Audit Logs: 2 years (security compliance requirement)
  • Bank Connections: 90 days after account deletion
  • Notifications: 1 year (transactional data retention)

Right to Erasure (GDPR/CCPA)

You can request complete account deletion at any time. We will:

  • Immediately mark your data as deleted (soft delete)
  • Automatically purge data after its retention period expires
  • Provide an export of your data before deletion (data portability)
  • Maintain audit logs of deletion for compliance

Deletion Request Process

Contact support@credithero.com with "Right to Erasure" in the subject line. We will process your request within 30 days per GDPR requirements.

6. Your Privacy Rights

Access: You can request a copy of personal data we hold about you

Correction: You can update or correct your account information at any time

Deletion: You can request deletion of your account and associated data (subject to legal holds)

Opt-Out: You can opt out of marketing communications in your account settings

Data Portability: You can request your data in a portable format

To exercise these rights, contact us at privacy@creditheroapp.com

7. Cookies & Tracking

We use cookies and similar tracking technologies to enhance your experience:

  • Session Cookies: Keep you logged in during your session
  • Preference Cookies: Remember your settings and preferences
  • Analytics: Understand how you use the app (via Vercel Analytics)

Most browsers allow you to control cookies. See your browser settings for details.

8. Security

We implement industry-standard security measures to protect your information:

  • SSL/TLS encryption for data in transit
  • HTTP-only secure cookies for session management
  • Row-level security policies in our database
  • Regular security audits and monitoring
  • No storage of sensitive payment information (handled by Stripe)

However, no system is 100% secure. See our Security Policy for more details.

9. Children's Privacy

Credit Hero is not intended for users under 13 years old. We do not knowingly collect information from children under 13. If we learn we've collected such information, we will delete it promptly. Contact us immediately if you believe we've collected a child's information.

10. Regional Privacy Laws

California (CCPA)

California residents have rights to know, delete, and opt-out of data sales. We comply with CCPA requirements.

Europe (GDPR)

EU residents have rights to access, correct, and erase data. We process data based on consent and legitimate interests.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by email or prominent notice on the Service. Your continued use constitutes acceptance of the updated policy.

12. Contact Us

For privacy questions or requests:

Email: privacy@creditheroapp.com

Website: creditheroapp.com

Response Time: We aim to respond within 30 days