Effective Date: September 1, 2026
Company: Kredity LLC (“Kredity,” “we,” “us,” or “our”)
Website: https://kredity.io
We value and protect your privacy. Our core business is issuing and servicing direct consumer loans; we are not a lead generator, data broker, or marketing clearinghouse, and we do not engage in any business that leverages or monetizes your personal data. Your data is shared only when it is strictly and fundamentally necessary to process your transaction or comply with the law. We safeguard your records using enterprise-grade cloud infrastructure providers like Amazon Web Services (AWS) alongside bank-level encryption.
When you create an account, apply for credit services, or communicate with us, we collect:
This information is compiled into a secure database record associated with your primary email address.
All personal identifiers, sensitive information, and audio records listed above are stored as encrypted values in our database and cloud storage repositories using industry-standard AES-256 encryption. All data transmitted between your device and our servers is protected in transit using Transport Layer Security (TLS 1.3). We enforce strict administrative safeguards and least-privilege access controls to prevent unauthorized access, alteration, or disclosure.
Except for the necessary technical and legal disclosures set forth in Section 5, we strictly safeguard your confidentiality: we will never disclose to any third party that you visited our website or applied for credit.
We use your personal and financial information to verify your identity, assess eligibility, service your account, and comply with applicable lending regulations.
Except as provided in Section 5, your contact information is only used internally. We may use your phone number to call you directly regarding your account status, customer support inquiries, servicing, payment reminders, missed payments, or transactional updates.
Call Recording: In accordance with Section 5 of our Terms of Service, telephone conversations between you and Kredity LLC or its representatives may be monitored and recorded. We maintain audio recordings and call detail records (including timestamps, call duration, and phone numbers) whenever you contact us or we contact you, strictly for quality assurance, staff training, customer dispute resolution, and statutory recordkeeping obligations under applicable state and federal laws (including the California Invasion of Privacy Act).
Call volume and timing metrics may also be analyzed on an aggregated, non-personally identifiable basis for internal operational planning, support staffing, and general business analytics, such as assessing regional call distribution or peak inquiry windows.
If you opt in to receive text messages, we will use your phone number to send automated one-time passcodes (OTP), two-factor authentication (2FA) verification codes, and essential transactional updates. You may also opt in to receive account alerts. With your consent, our support team may exchange text messages with you to discuss your account details and resolve customer care issues for internal operational planning, support staffing, quality assurance, dispute resolution, and statutory recordkeeping obligations.
We never sell, rent, or monetize your data, and we will never share your personal information with outside parties for their commercial gain, advertising, or analytics.
We only share information under two necessary circumstances:
We reserve the right to update or modify this Privacy Policy at any time to reflect changes in our legal obligations, operational procedures, or technical infrastructure. Any updates will be posted directly to this page with a revised “Effective Date” at the top. Your continued use of our website, services, or account features following the posting of any changes constitutes your acknowledgment and acceptance of the updated policy.
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