Privacy policy

This Privacy Policy explains Credit Plainly's current privacy practices in plain English. Credit Plainly is an educational website about consumer credit reports, scores, disputes, credit repair limits, and related browser-based tools. Please do not send sensitive credit, banking, identity, or health information through ordinary contact channels.

Overview

Credit Plainly is designed to help readers understand credit topics and prepare their own notes, calculations, and documents. The site is not a credit bureau, lender, credit repair organization, law firm, financial advisor, or government agency. Our tools and content are educational only and do not submit anything automatically to credit bureaus, lenders, courts, collectors, or government agencies.

Operator and controller

CreditPlainly is operated by LEGITIME DOMAINS d.o.o., Ulica Stjepana Gradića 1, 10010 Zagreb, Croatia.

Privacy questions can be sent through the contact page or by email at contact@creditplainly.com.

We have not appointed a Data Protection Officer because we do not believe one is currently required for this site's limited processing activities. Privacy questions can be sent through the contact page.

Information we collect

Depending on how you use the site, the following categories of information may be processed:

• Basic technical data: IP address, user agent, approximate location, device and browser information, pages viewed, referrer, timestamps, and similar server or security log data.
• Analytics data: Google Analytics loads only in production when a measurement ID is explicitly configured. If enabled, we use analytics to understand page performance, content usefulness, and aggregate site usage.
• Contact information: information you voluntarily provide by email or through a contact form, such as your name, email address, message, and any follow-up context you choose to send.
• Newsletter or email subscription data: if a newsletter or email update feature is offered, we may process the email address and subscription preferences you provide.
• Affiliate or partner click data: if partner links are active, links may include tracking parameters so a partner or affiliate network can attribute traffic.
• Cookies and similar technologies: cookies, local storage, or similar browser technologies may be used for site operation, security, analytics, or partner attribution where applicable.
• Browser-based tool inputs: tools are designed to avoid sensitive credit data and to run locally in your browser where practical. Avoid entering unnecessary sensitive information.

Sensitive credit data we do not want

Please do not send or enter the following through ordinary site contact channels:

• Social Security number.
• Full account numbers.
• Full date of birth.
• Credit report uploads.
• Bank logins or passwords.
• Full government ID images or numbers.
• Complete credit files.
• Medical or health information.
• Children's data.

Browser tools

Calculators, checklists, estimators, and letter helpers on Credit Plainly are for education and preparation. They should not require full Social Security numbers, full account numbers, dates of birth, credit report uploads, bank logins, or passwords. If a tool on this site asks for that type of information, treat it as a bug or suspicious behavior and contact us.

Tools do not submit disputes, applications, complaints, letters, or records automatically to credit bureaus, lenders, collectors, courts, or government agencies. You are responsible for reviewing any output, verifying facts, and using official channels if you decide to act.

Purposes and legal bases

We process information for practical site purposes, including:

• Operating, maintaining, troubleshooting, and securing the site.
• Responding to contact requests, corrections, privacy questions, and ordinary inquiries.
• Measuring site performance and improving content.
• Maintaining fraud, abuse, and security logs.
• Disclosing and operating affiliate or partner links where applicable.
• Complying with legal obligations if they apply.

For EU/UK-style notice purposes, we generally rely on legitimate interests for site security, aggregate analytics, content improvement, and responding to ordinary inquiries. We rely on consent where required for optional cookies or newsletters, and on legal obligation where processing is required by law. This is a practical summary, not a claim that every situation has the same legal basis.

Cookies and analytics

The site may use essential technologies needed to load, secure, and operate pages. Google Analytics loads only in production when a measurement ID is explicitly configured. Advertising cookies are not intended to be used unless a page or partner integration clearly requires them and the site has added any notice or consent mechanism that is required for that use.

If advertising cookies or materially different tracking practices are introduced later, this policy will be updated and any required notice or consent mechanism will be added.

Third-party services

The site may use third-party service providers for limited operational purposes, including:

• Hosting and content delivery.
• Analytics, if enabled.
• Email or contact handling, if a contact form or email service is used.
• Affiliate or partner networks, if partner links are active.
• Security, logging, debugging, or abuse prevention tools.

These providers have their own systems and policies. We do not name every provider here unless the site has made that provider relationship public or it is necessary to explain a specific practice.

Selling or sharing data

• Credit Plainly does not sell personal credit data.
• Credit Plainly does not build credit dossiers.
• Credit Plainly does not sell browser-tool inputs.
• Affiliate links may include tracking parameters so a partner or network can attribute traffic if you click a partner link.

Data retention

• Server and security logs are kept as needed for security, troubleshooting, abuse prevention, and operations.
• Contact emails are kept as needed to respond, maintain records, and handle follow-up questions.
• Analytics data is retained according to the settings of the analytics provider if analytics is enabled.
• Affiliate click attribution is retained by the partner or network according to that provider's policies.

User choices and rights

You can contact us to ask about access, correction, or deletion of personal information where applicable. Rights may vary by location and by the type of information involved.

• You can control or delete cookies through your browser settings.
• If email subscriptions are offered, use the unsubscribe link or contact us to opt out.
• EU users may have rights to access, rectification, erasure, restriction, objection, portability, and complaint to a supervisory authority, depending on the circumstances.

Security

We use reasonable technical and organizational measures for a small educational website, but no website can guarantee perfect security. Do not send sensitive credit data, identity documents, bank credentials, or passwords by email.

Children

Credit Plainly is intended for adults. It is not directed to children under 13 or under any higher age threshold that may apply in a visitor's location. If a parent or guardian believes a child provided personal information, please contact us.

International visitors

The operator is located in Croatia/EU, while Credit Plainly may be visited from the United States and other regions. Information may be processed by service providers in other countries where hosting, analytics, email, security, or partner systems operate.

Changes

We may update this Privacy Policy as the site, tools, providers, or legal requirements change. Updates will be reflected on this page and in the site's metadata date system where the site uses one.

Contact

Privacy questions can be sent through the contact page or by email at contact@creditplainly.com.