Privacy Policy

Welcome to Jeanne Kelly Inc ("we," "us," or "our"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you engage with our financial‑literacy services, credit‑education tools, and debt‑management solutions through our platform, including the web application at https://app.creditbosslady.com (the "Service" or the "App"). By using the Service, you agree to the practices described below.

1. Information We Collect

Personal Data

When you create an account, we may collect your name, email address, and other details needed for account setup and management.

Financial Data

To provide credit and debt tracking services, we collect financial details you voluntarily supply, such as credit status, debt obligations, income, and related financial goals.

Identity Verification Data

For credit‑report retrieval, our vendor Array US, Inc. may ask you to provide additional identifiers (for example, Social Security number and date of birth). These fields are entered directly into Array US, Inc.'s secure component and are not stored on our servers.

Device and Usage Data

We automatically gather information like IP address, browser type, operating system, referral URLs, and on‑site activity to understand how the App is used. You may opt out of tracking upon request.

Cookies and Tracking Technologies

We use cookies to maintain sessions, remember preferences, and improve usability. Disabling cookies in your browser may affect certain features.

2. How We Use Your Information

Service Operation and Enhancement

We use collected data to operate the App, deliver its functionality, and improve your experience with personalized credit and financial tools.

Communication

We send email or in‑app messages about updates, security alerts, or service improvements.

Security and Fraud Prevention

Your data helps us detect and prevent unauthorized access and fraud.

Legal Compliance

We may process your data to comply with legal obligations or respond to lawful requests.

3. Data Sharing and Disclosure

No Data Sales

We do not sell or rent your personal, financial, or behavioral data.

Service Providers (Sub‑processors)

We share limited data with carefully selected vendors that support the Service:

• Array US, Inc. – credit‑report and identity‑verification provider.
• Sensitive identifiers such as Social Security number are collected through an Array‑hosted iframe and transmitted directly to Array.
• Array retrieves your credit file from Equifax, Experian, and TransUnion and returns tokenized data to us.
• Array US, Inc. holds a SOC 2 Type II attestation, follows ISO 27001‑aligned controls, encrypts data in transit with TLS 1.2+, and stores data at rest using AES‑256.
• We never store or process your Social Security number or other sensitive identifiers on our servers.
• If we engage additional sub‑processors for hosting, analytics, or infrastructure, they will be bound by confidentiality and security obligations consistent with this policy.

Business Transfers

If Jeanne Kelly Inc. is involved in a merger, acquisition, or asset transfer, your information may be shared with the acquiring party under the same policy terms.

Legal Requests

We may disclose your information when legally required.

4. Data Security

We use strong safeguards to protect your data:

• Encryption – all communications between your device and our servers use HTTPS/TLS.
• Access Control – only authorized team members may access your data for legitimate business purposes.
• Retention – we store data only as long as necessary to provide services and meet legal requirements.

No system is completely secure. If you suspect a breach, please contact us immediately.

5. Your Rights and Choices

Account Management

You can update or delete your account in your profile settings or by contacting us.

Communication Preferences

You may opt out of marketing messages via unsubscribe links. We will still send important account‑related notices.

Cookie Preferences

You can manage cookie usage in your browser settings.

Data Deletion Requests

Contact us to request deletion of your personal data. We will comply with applicable laws.

6. Children's Privacy

Our services are not intended for users under 13 (or the applicable age in your jurisdiction). We do not knowingly collect data from children. If you believe a child has submitted personal information, contact us so we can remove it.

7. International Users

If you access the Service from outside the United States, your information may be transferred to and stored in the U.S. By using the Service, you consent to these transfers and to U.S. laws.

8. Policy Updates

We may update this Privacy Policy from time to time. The "Last Updated" date will change accordingly. For significant changes, we may notify you directly or seek consent where required.

9. Contact Information

For questions about this Privacy Policy or your data rights, please contact us:

• Email: support@creditbosslady.com
• Website: https://app.creditbosslady.com