Privacy Policy
Effective date: January 1, 2026 · This page is maintained by Credence Credit.
1. Who we are
Credence Credit ("we", "us", "our") operates the Credence Credit application available at https://credence-credit.us. Contact us at support@credence-credit.us.
2. Data we collect
- Account information — email address and authentication identifiers when you sign up or sign in (including Google sign-in).
- Credit card metadata you enter — issuer, product name, nickname, credit limit, balance, APR, due day, statement closing day, minimum payment. We do NOT collect or store full card numbers or CVVs.
- Cash flow you log — purchases, payments, and balance adjustments you choose to record.
- Subscription information — your Premium subscription status, billing period dates, and a Stripe customer reference. Payment card details are handled directly by Stripe and never touch our servers.
- Support and feedback content — messages you send through the Support Center or in-app Feedback form.
- Operational logs — minimal request and error logs used to keep the service running.
3. How we use your data
- Provide the Credence Credit service and its features.
- Process subscription billing through Stripe.
- Respond to your support requests and feedback.
- Detect, prevent, and address abuse, fraud, and security issues.
- Comply with legal obligations.
4. How we store and protect data
Data is stored on our managed cloud database and encrypted in transit (TLS) and at rest. Records are scoped per user with row-level security so other users cannot read your data. Access by our team is limited to a small group on a need-to-know basis.
5. Subprocessors and integrations
- Supabase — application database and authentication.
- Stripe — subscription billing and payment processing.
- Google — optional sign-in.
6. Cookies and analytics
We use first-party cookies and local storage only to keep you signed in and remember your interface preferences. We do not run third-party advertising trackers.
7. Data retention
We retain your data for as long as your account is active. You may request deletion at any time by emailing support@credence-credit.us; we'll delete your account and associated records within 30 days, except where retention is required by law.
8. Your rights
Depending on where you live, you may have rights to access, correct, export, or delete your personal data, and to object to certain processing. Contact us at support@credence-credit.us to exercise these rights.
9. Children
Credence Credit is not directed to children under 13 (or 16 in some jurisdictions). We do not knowingly collect their data.
10. International transfers
Your data may be processed in the United States and other countries where our subprocessors operate. We take appropriate safeguards as required by applicable law.
11. Changes
We may update this Privacy Policy. Material changes will be communicated in-app or by email.
12. Contact
Questions or concerns: support@credence-credit.us
This Privacy Policy is provided as a clear, plain-language summary of our practices. It is not legal advice. For specific legal questions, consult an attorney.