Privacy Policy
Last updated: January 12, 2026
Effective date: January 12, 2026
This Privacy Policy describes the policies of JQC Solutions, email: legal@jqcsolutions.com, on the collection, use,
and disclosure of your information that we collect when you use Credit Score Toolkit (the “Service”), accessible at
https://creditscoretoolkit.com/. Credit Score Toolkit is owned and operated by JQC Solutions. This Privacy Policy describes the policies of JQC Solutions, email: legal@jqcsolutions.com, on the collection, use, and disclosure of your information that we collect when you use Credit Score Toolkit (the “Service”), accessible at https://creditscoretoolkit.com/. Credit Score Toolkit is owned and operated by JQC Solutions.
By accessing or using the Service, you are consenting to the collection, use, and disclosure of your information in accordance with this Privacy Policy. If you do not consent to the same, please do not access or use the Service.
We may modify this Privacy Policy at any time without any prior notice to you and will post the revised Privacy Policy
on the Service. The revised Policy will be effective 180 days from when the revised Policy is posted on the Service,
and your continued access or use of the Service after such time will constitute your acceptance of the revised Privacy
Policy. We therefore recommend that you periodically review this page. We may modify this Privacy Policy at any time without any prior notice to you and will post the revised Privacy Policy on the Service. The revised Policy will be effective 180 days from when the revised Policy is posted on the Service, and your continued access or use of the Service after such time will constitute your acceptance of the revised Privacy Policy. We therefore recommend that you periodically review this page.
Information We Collect
We will collect and process the following personal information about you:
- Name
- Business Name
- Business Type
How We Use Your Information
We will use the information that we collect about you for the following purposes:
- Manage customer orders
- Support
- Customer feedback collection
- Testimonials
- Marketing/Promotions
If we want to use your information for any other purpose, we will ask you for consent and will use your information only upon receiving your consent and then only for the purpose(s) for which you grant consent, unless we are required to do otherwise by law.
How We Share Your Information
We will not transfer your personal information to any third party without seeking your consent, except in limited circumstances as described below:
- Ad service providers
- Sponsors
- Marketing agencies
- Analytics providers
We require such third parties to use the personal information we transfer to them only for the purpose for which it was transferred and not to retain it for longer than is required for fulfilling the said purpose.
We may also disclose your personal information to comply with applicable law, regulation, court order, or other legal process; to enforce your agreements with us, including this Privacy Policy; or to respond to claims that your use of the Service violates any third-party rights.
If the Service or our company is merged with or acquired by another company, your information will be one of the assets that is transferred to the new owner.
Retention of Your Information
We will retain your personal information with us for 90 days to 2 years after user accounts remain idle or for as long as we need it to fulfill the purposes for which it was collected, as detailed in this Privacy Policy.
We may need to retain certain information for longer periods for record-keeping and reporting in accordance with applicable law or for other legitimate reasons such as enforcement of legal rights, fraud prevention, or compliance obligations.
Residual anonymous information and aggregate information, neither of which identifies you directly or indirectly, may be stored indefinitely.
Your Rights
Depending on the law that applies, you may have the right to:
- Access, rectify, or erase your personal data
- Receive a copy of your personal data
- Restrict or object to the processing of your data
- Request data portability
- Withdraw consent at any time
- Lodge a complaint with a statutory authority
To exercise these rights, you may write to us at legal@jqcsolutions.com. We will respond to your request in accordance with applicable law.
Do note that if you do not allow us to collect or process the required personal information, or if you withdraw consent for required purposes, you may not be able to access or use certain services.
Security
The security of your information is important to us, and we will use reasonable security measures to prevent loss, misuse, or unauthorized alteration of your information under our control.
However, given the inherent risks of data transmission over the internet, we cannot guarantee absolute security and cannot ensure or warrant the security of any information you transmit to us. You do so at your own risk.
Third-Party Links & Use of Your Information
Our Service may contain links to other websites that are not operated by us. This Privacy Policy does not address the privacy practices of any third parties.
We strongly advise you to review the privacy policy of every site you visit. We assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
Credit-Related Information Disclaimer
Credit Score Toolkit provides educational tools and informational content only. We are not a consumer reporting agency as defined under the Fair Credit Reporting Act (FCRA), and we do not provide credit reports, credit scores, or credit decisions.
Any credit-related information provided through the Service is for informational purposes only and should not be relied upon for lending, employment, housing, or other eligibility decisions.
Cookies
To learn more about how we use cookies and similar tracking technologies and your choices regarding them, please refer to our Cookie Policy.
Grievance / Data Protection Officer
If you have any questions or concerns regarding the processing of your information, you may contact our Grievance Officer at JQC Solutions at legal@jqcsolutions.com.
We will address your concerns in accordance with applicable law.