Privacy Policy
Last updated: February 2026
Introduction
Credit Score Hero ("we", "us", or "our") operates the website creditscoreshero.com. This Privacy Policy explains how we collect, use, and protect information when you use our website and services.
We are committed to protecting your privacy. Our quiz and calculator tools are designed to be used without requiring any personally identifiable information (PII).
Information We Collect
Anonymous Quiz Data
When you take our credit recovery quiz, we collect your anonymous responses (e.g., credit scenario, score range, income bracket, goals). This data does not include your name, email address, phone number, or any other personally identifiable information.
Quiz responses are stored in a secure database (Supabase) for the purpose of improving our recommendations and understanding aggregate user patterns.
Analytics Data
We use Google Analytics 4 (GA4) to collect anonymous usage data, including:
- Pages visited and time spent on each page
- Device type, browser, and operating system
- General geographic location (country/region level)
- Referral source (how you found our website)
Google Analytics uses cookies to collect this information. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.
Affiliate Link Clicks
When you click an affiliate link on our website, we log the click (affiliate name, referring page, and UTM parameters) to track which product recommendations are most helpful. This data does not include any personal information.
How We Use Your Information
We use the collected information to:
- Generate personalized credit recovery plans based on your quiz answers
- Improve and optimize our website content and recommendations
- Understand aggregate usage patterns (e.g., most common credit scenarios)
- Measure the effectiveness of our affiliate partnerships
Cookies
Our website uses cookies for the following purposes:
- Google Analytics cookies: To collect anonymous website usage statistics
- Essential cookies: For basic website functionality
We do not use advertising cookies or tracking cookies beyond what is described above.
Third-Party Services
We use the following third-party services:
- Supabase: Secure database for storing anonymous quiz responses and affiliate click data
- Google Analytics 4: Website analytics and usage tracking
- Cloudflare: Website hosting and content delivery
When you click an affiliate link, you will be redirected to a third-party website (e.g., a credit card provider or credit monitoring service). These third-party websites have their own privacy policies, which we encourage you to review.
Data Retention
Anonymous quiz responses and affiliate click data are retained indefinitely for analytical purposes. Since this data does not contain PII, it cannot be linked back to any individual user.
Google Analytics data is retained according to Google's standard retention policies.
Data Security
We take reasonable measures to protect the information we collect. All data transmission is encrypted via HTTPS. Our database (Supabase) uses industry-standard security practices including encryption at rest and in transit.
Your Rights (PIPEDA Compliance)
As a Canadian website, we comply with the Personal Information Protection and Electronic Documents Act (PIPEDA). Since we do not collect personally identifiable information, most individual rights under PIPEDA (access, correction, deletion) do not apply. However, you have the right to:
- Opt out of Google Analytics tracking
- Disable cookies in your browser settings
- Contact us with any privacy-related questions or concerns
Children's Privacy
Our website is not intended for children under the age of 18. We do not knowingly collect information from children.
Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last updated" date.
Contact Us
If you have any questions about this Privacy Policy, please contact us at privacy@creditscoreshero.com.