Privacy Policy

1. Introduction

Visto Credit LLC ("Company," "we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.

Please read this Privacy Policy carefully. By using our services, you consent to the practices described in this policy.

2. Information We Collect

2.1 Information You Provide

We collect information you provide directly to us, including:

• Account Information: Name, email address, password, and profile details
• Financial Information: Credit score (self-reported), financial goals, and preferences
• Communications: Information you provide when contacting us for support

2.2 Information from Third Parties

With your authorization, we may collect financial information from third-party services, including:

• Plaid: Bank account balances, transaction history, and account details
• Authentication Providers: Basic profile information if you sign in with Google or other providers

2.3 Information Collected Automatically

When you use our services, we automatically collect:

• Device information (browser type, operating system, device identifiers)
• Usage data (pages visited, features used, time spent)
• IP address and general location information
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our services
• Create and manage your account
• Process and display your financial information
• Generate personalized insights and recommendations
• Calculate mortgage readiness scores
• Send you service-related communications
• Respond to your inquiries and provide customer support
• Monitor and analyze usage patterns and trends
• Detect, prevent, and address technical issues and fraud
• Comply with legal obligations

4. How We Share Your Information

We may share your information in the following circumstances:

4.1 Service Providers

We share information with third-party vendors who perform services on our behalf, such as hosting, data analysis, payment processing, and customer service.

4.2 Financial Data Providers

When you connect your financial accounts, we share necessary authentication information with Plaid and similar services to retrieve your account data.

4.3 Legal Requirements

We may disclose information if required by law, regulation, legal process, or governmental request, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

4.4 Business Transfers

In connection with any merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

4.5 With Your Consent

We may share information with third parties when you give us explicit consent to do so.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Secure authentication mechanisms
• Regular security assessments and audits
• Access controls and employee training

However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. We may also retain certain information as required by law or for legitimate business purposes, such as:

• Resolving disputes
• Enforcing our agreements
• Complying with legal obligations

You may request deletion of your account and personal information at any time by contacting us at support@vistocredit.com.

7. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request a copy of your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Request your data in a portable format
• Opt-out: Opt out of certain data processing activities

To exercise these rights, please contact us at support@vistocredit.com.

8. Cookies and Tracking

We use cookies and similar tracking technologies to collect usage information and improve our services. You can control cookies through your browser settings, but disabling cookies may affect functionality.

Types of cookies we use:

• Essential Cookies: Required for basic site functionality
• Analytics Cookies: Help us understand how visitors use our services
• Preference Cookies: Remember your settings and preferences

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child, we will delete it promptly.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. We take appropriate measures to ensure your information remains protected in accordance with this Privacy Policy.

11. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to:

• Know what personal information we collect and how we use it
• Request deletion of your personal information
• Opt-out of the sale of your personal information (we do not sell your data)
• Non-discrimination for exercising your privacy rights

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically.

13. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us at: