How Credzu collects, uses, shares, and protects your information

Last updated: December 5, 2025

1. Introduction

Credzu is committed to protecting your information and using it responsibly. This Privacy Policy explains:

what information we collect,
how we use it,
who can see it,
how it’s stored,
how it’s shared, and
your choices and rights.

This Policy applies to all users—Consumers, Service Providers, and Partners—who use the Credzu website, app, or services (“Platform”).

If you have questions, email us at info@credzu.com.

2. What Credzu Is

Credzu is a marketplace and escrow platform that helps Consumers connect with credit repair Service Providers. We provide communication, document exchange, score-based billing, and payment escrow services.

Credzu does not perform credit repair. Service Providers are independent companies.

Because we operate in a financial and highly regulated environment, we must collect certain personal and financial information to offer our services lawfully and safely.

3. Information We Collect

We collect information in three main ways:

Information you provide to us
Information automatically collected when you use our Platform
Information provided by third-party partners

3.1 Information You Provide

This includes:

For Consumers:

Name
Phone number
Email
Address
Date of birth
Social Security Number (used only for credit report matching and fraud prevention)
Banking information (for ACH deposits and refunds)
Documents uploaded during your engagement

For Service Providers:

Company name
Business address
EIN
Years in business
Licensing information
Contact names and emails

For Partners (lenders, agents):

Name
Company
Contact information
Borrower referral information (with consent)

3.2 Credit Report Data

To measure score improvements, Credzu uses embedded tri-bureau credit reports that include:

Credit scores
Account information
Negative items
Inquiry data
Public records

This information is used only to calculate earned Service Provider fees and display accurate results inside the Platform.

3.3 Information We Collect Automatically

When you use Credzu, we automatically collect:

IP address
Device type
Browser type
Operating system
Session activity
Click and navigation behavior
Time spent on pages
Log data
Error logs

We use this information to:

keep the Platform secure,
improve performance, and
understand user experience.

3.4 Information From Third Parties

Credzu may receive information from:

Mortgage lenders and loan officers who refer Consumers
Identity verification services
Anti-fraud services
Payment processors
Credit bureaus/credit report providers

When a lender refers a Consumer through an API, they typically provide:

First name
Last name
Email
Phone number
Optional FICO range

Consumers must consent to data sharing before referral information is sent to Credzu.

4. How We Use Your Information

We use your information for the following purposes:

4.1 To Deliver Credzu Services

Creating and managing your account
Matching Consumers with Service Providers
Sharing information inside shared chats
Reviewing credit reports to calculate improvement
Managing escrow deposits and disbursements
Providing support and resolving disputes

4.2 To Maintain Security and Compliance

Identity verification
Fraud detection and prevention
Compliance with CROA, TSR, FCRA, and financial regulations
Audits and legal reporting when required

4.3 To Improve the Platform

Analyzing usage patterns
Diagnosing issues
Improving user experience
Developing new features

4.4 To Communicate With You

Service updates
Notifications about your engagement
Escrow and payment updates
Platform changes and new features

We do not sell or lease your personal information.

5. Who Can See Your Information

5.1 Within Shared Chats

Credzu uses a shared, multi-party chat system.

Participants may include:

The Consumer
The chosen Service Provider
One or more Partners (e.g., loan officers)

Anyone in the chat can see communication and documents shared inside that chat.

Consumers may remove a Partner from the chat at any time.

5.2 Service Providers

Service Providers receive:

consumer name
phone number
email
relevant documents
credit reports (only with your permission)
information necessary to perform services

5.3 Partners

Partners:

can see status updates
can view chat messages only if they are inside the chat
cannot see credit reports unless the Consumer shares them
cannot see escrow balances

5.4 Third-Party Service Providers

Credzu uses trusted vendors for:

hosting (Kinsta on Google Cloud Platform)
file storage (Amazon Web Services – AWS)
identity verification
credit report delivery
analytics
customer support tools
payment processing

These providers may access information only as needed to perform their functions.

5.5 Legal Requirements

We may share information when required by:

subpoenas or court orders
law enforcement requests
regulatory authorities
audits or compliance investigations

We only share what is necessary for the specific request.

6. How We Protect Your Information

We use modern industry safeguards, including:

Encrypted data transmission (HTTPS/TLS)
Encrypted data storage on AWS
Access control and monitoring
Regular security audits
Secure WordPress REST API endpoints
Isolation of user data within Credzu’s architecture
Limiting access to authorized personnel only

No online system is 100% secure, but we take your safety seriously.

7. How Long We Keep Your Information

We retain information only as long as necessary for:

providing Credzu Services,
complying with legal or financial obligations,
resolving disputes, or
maintaining accurate business records.

Credit reports and sensitive documents are stored only as long as required for the engagement and dispute windows.

8. Your Choices and Rights

8.1 You May:

Update account information
Change notification preferences
Remove Partners from your chat
Request account closure
Request deletion of certain personal information (unless prohibited by law)
Withdraw ACH authorization (with limitations)

8.2 What You Cannot Delete

Because of financial, regulatory, and audit requirements, you cannot delete:

escrow records
signed agreements
payment history
communications relevant to compliance

8.3 Cookies and Tracking

See our Cookies Policy for details.

9. Children’s Privacy

Credzu is not for children.
We do not knowingly collect information from anyone under 18.

10. Transfers of Information

If Credzu is ever involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
We will notify you if that occurs.

11. Changes to This Policy

We may update this Privacy Policy periodically.
If changes are significant, we may notify you directly.

Your continued use of Credzu means you accept the updated Policy.

12. Contact Us

Credzu, LLC
1980 N. Atlantic Avenue, Second Floor
Cocoa Beach, FL 32931
Email: info@credzu.com