Credique, LLC - Privacy Policy

Last updated: September 6, 2021


This Privacy Policy of this service spells out the obligations of the Users. This Privacy Policy is in continuation of the Terms of Service of this service, therefore both documents need to be read together.

Our Privacy Policy explains how we collect, use, disclose, and protect information that applies to our Service, and your choices about the collection and use of your information.

This service shall not (a) be subject to any obligations of confidentiality regarding any User Generated Content except as specified in this service’s Privacy Policy, or as otherwise specifically agreed to or required by law; (b) be obligated to pay you or any third party any compensation for any User Generated Content; and (c) be required to respond to any of your submissions as User Generated Content. 

We reserve the right to amend our Privacy Policy from time to time and will update the Website with the most recent version. It is your responsibility to review this Privacy Policy to ensure that you are familiar with the most current provisions. If any changes are material, we may provide additional notice and/or opportunity to “opt-in” as appropriate.

Information Collection

Information shared on the Website by user while creating a user account:

Depending on how the User uses the Website, we may ask the User to share personally identifiable information ("Personal Information") with us. Whether you choose to share your Personal Information is completely up to you, but you must keep in mind that you may not be able to access some of the areas of the Website as effectively and fully use the services we offer on the Website without sharing adequate Personal Information. Personal Information includes any information that identifies or can be used to identify, contact or locate the User. Personally identifiable information means your name, email or mailing address, phone number, account credentials, social security number, government ID numbers and other information. We may be capturing the following information to showcase all the relevant data on your Dashboard:

Optional-Financial Planning Information
Includes information you provide about your financial planning goals, such as your age, income, retirement plan information, retirement age, risk tolerance, family information and other related or demographic information. This also may includes any other information you provide within your Account, such as the address of any properties you own and the value of any manually entered accounts.

Optional-Financial Account Information
For third-party financial accounts you link - this includes your account passwords, credentials, transactions, security questions, assets held, balances, statements and other account information.

How We Use Your Information

Our primary goal in collecting your information is to provide you with an enhanced experience when using the Services and to determine which features we need to focus on improving, including usage patterns.

We also use information that we collect about you or that you provide us:

Some of our products may include alert emails or sms text messages that are sent on a daily, weekly, or monthly basis. These emails and/or sms text messages are part of your membership and cannot be disabled. To receive the most up-to date notifications and alerts, your email address and phone number must be accurate in your profile. 

We may release Personal Information or other information we collect, if we believe that such action is necessary to: (I) comply with legal requirements and processes; (II) identify, contact or bring legal action against persons or entities who are or we believe have caused or might cause injury to us or a third party; (III) defend or respond to claims brought or threatened against us, our employees, service providers, users of our Services or others;  (IV) vendors, service providers, and technicians who help with some of our processing and storage, including helping to answer your questions; and/or (V) otherwise to protect, assert rights, interests of the service and of our employees, service providers, Users of the Services or others. Any such release decisions may be made by us at our sole discretion. 

In addition, since member information on our Website is a business asset, in case we are reorganized or sold to or merged with another company, we may sell, assign, or transfer your personal information to a purchaser of all or substantially all of our business assets, or to an affiliate, as applicable.

Information This Service Collects Automatically

We may use third-party Service Providers to monitor and analyze the use of our Service.


Google Analytics: Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualise and personalise the ads of its own advertising network.


For more information on the privacy practices of Google, please visit the Google Privacy Terms web page:


We also encourage you to review the Google's policy for safeguarding your data:

Behavioural Remarketing

This service uses remarketing services to advertise on third party websites to you after you visited our Service. We and our third-party vendors use cookies to inform, optimize and serve ads based on your past visits to our Service.


Google Ads (AdWords): Google Ads (AdWords) remarketing service is provided by Google Inc.


You can opt-out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page:


Google also recommends installing the Google Analytics Opt-out Browser Add-on – – for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics.


For more information on the privacy practices of Google, please visit the Google Privacy Terms web page:


Bing Ads Remarketing: Bing Ads remarketing service is provided by Microsoft Inc.


You can opt-out of Bing Ads interest-based ads by following their instructions:


You can learn more about the privacy practices and policies of Microsoft by visiting their Privacy Policy page:


Twitter: Twitter remarketing service is provided by Twitter Inc.


You can opt-out from Twitter's interest-based ads by following their instructions:


You can learn more about the privacy practices and policies of Twitter by visiting their Privacy Policy page:


Facebook: Facebook remarketing service is provided by Facebook Inc.


You can learn more about interest-based advertising from Facebook by visiting this page:


To opt-out from Facebook's interest-based ads, follow these instructions from Facebook:


Facebook adheres to the Self-Regulatory Principles for Online Behavioral Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA, the Digital Advertising Alliance of Canada in Canada or the European Interactive Digital Advertising Alliance in Europe, or opt-out using your mobile device settings.


For more information on the privacy practices of Facebook, please visit Facebook's Data Policy:


Pinterest: Pinterest remarketing service is provided by Pinterest Inc.


You can opt-out from Pinterest's interest-based ads by enabling the “Do Not Track” functionality of your web browser or by following Pinterest instructions:


You can learn more about the privacy practices and policies of Pinterest by visiting their Privacy Policy page:

Cookies are placed on our websites to improve your experience, enhance security, monitor web activity and deliver interest-based advertising. A cookie is a small data text file, which a website stores on your computer hard drive with your internet browser application that can later be retrieved to identify you to us. When you use our websites, we will store cookies on your computer to facilitate and customize your use of our websites.  Your internet web browser may ask you for cookie use approval when you visit our website. In other cases, your browser will have the ability to clear or decline the use web cookies from our website.  If your browser will not allow you to manage the use of website cookies and you do not want cookies from our website stored in your computer, then you should not use our websites. If you decline or block the use of our cookies in your browser, some parts of our site may not work properly.

Information sharing

Third Party Platforms: In order to provide you the best service we are connected to various third-party devices and services to procure your financial information on your behalf and to showcase the same on your Dashboard. Such Third-Party Websites may send you messages and pop-ups/advertisement banners while you are using the Website. However, such messages and advertisements are fully controlled by us and no Third Party shall be able to send Users messages or advertise their services on our platform without our discretion. The Website may link to, or be linked to, other Websites not maintained by us. This service is not responsible for the privacy policies or practices of any third parties or third-party Websites, including any linked or linking Apps. To the extent that you disclose personally identifiable information to any such third parties, different rules may apply to their use and disclosure of personal information that you disclose to them. We encourage you to review the privacy policies of such Websites before disclosing your personal information to them. If you link to Third Party Websites, you may be subject to those Third-Party Websites' terms and conditions and other policies. This service makes no representation or guarantee as to the accuracy or authenticity of the information contained in any such Third-Party Websites/App, and your linking to any other Website is completely at your own risk and we disclaim all liability thereto.

We may transfer your Personally Identifiable Information to others. We provide the products and services offered on our website through contractual arrangements with affiliates, service providers, and other third parties. We and such third parties use your Personally Identifiable Information to operate our sites and to deliver their products and services. For example, we must release your credit card information to the card-issuing bank to confirm payment for products and services purchased on this site, release your Personally Identifiable Information to the third party that will provide the products or services that you ordered, and provide order information to third parties that help us provide customer service. We will encourage our service providers to adopt and post privacy policies. However, the use of your Personally Identifiable Information by our service providers is governed by the privacy policies of those service providers and is not subject to our control. 

We may also provide Non-Personally Identifiable Information about our customers' sales, traffic patterns, and related site information to third-party advertisers, but these statistics do not include any Personally Identifiable Information. 

Occasionally we may be required by law enforcement or judicial authorities to provide Personally Identifiable Information to the appropriate governmental authorities. We will disclose Personally Identifiable Information upon receipt of a court order or subpoena, or to cooperate with a law enforcement investigation. We fully cooperate with law enforcement agencies in identifying those who use our services for illegal activities. We reserve the right to report to law enforcement agencies any activities that we in good faith believe to be unlawful. 

From time to time, we make the information of those who provide them to us available to other reputable organizations whose products or services we think you might find interesting. We may receive compensation if you elect to purchase such services. In all cases, these offers of products or services from 3rd parties may be conducted to you by them in any form of communication such as but not limited to electronic, telephony, mobile telephone/device, text or in writing. By accepting our privacy policy and using our website(s) and/or services you agree to these terms.

We also allow some of our employees and independent contractors access to both Personally Identifiable Information and Non-Personally Identifiable Information to enable them to assist us with our business and provide the services and products that we offer to you. We endeavour to have all such employees and contractors sign nondisclosure or confidentiality agreements with us to protect your information. 

Opting Out or Unsubscribe

We collect your name, phone and e-mail address for the purpose of distributing our daily, weekly or monthly newsletter service. 

To unsubscribe from our emails or other communications from us, you may follow the "unsubscribe" link at the bottom of the email or sign onto your account and change settings. However, this section does not cover the messages and advertisements you may receive within the Website.

How Long Is This Data Stored For?

We retain your data as long as your account subsists with us. However, it may be noted that on closure of the account the data with us does not get deleted immediately. In the event you desire immediate deletion of your data you may email us to that effect.  


We implement and maintain reasonable security appropriate to the nature of the personal information that we collect, use, retain, transfer or otherwise process. Our reasonable security program is implemented and maintained in accordance with applicable laws. Accordingly, while our reasonable security program is designed to manage data security risks and thus help prevent data security incidents and breaches, it cannot be assumed that the occurrence of any given incident or breach results from our failure to implement and maintain reasonable security.

User Data Rights

By using our Services and Marketing Activities you expressly give your consent for the collection and use of your personal information in compliance with this Privacy Policy. This does not affect lawful processing under applicable laws based on other legal basis such as contractual obligation, compliance with applicable laws, and legitimate purposes.

Child protection 

Our Services are not intended for or directed to children. Children under 18 are not eligible to use our Services. Our policies are compliant with By using the Services, you represent that you are at least 18 years old and understand that you must be at least 18 years old in order to create an account and purchase and use the Services advertised through our platform. We do not knowingly collect or maintain Personal Information from children under the age of 18. If we learn that we have inadvertently gathered Personal Information from children younger than the age of 18, we will take reasonable measures to delete or destroy such information from our records.

Right to Access or Correct Personal Information

You have the right to access and correct your personal information. If you want to review or correct your personal information, you can visit your account profile page, or you may send us an email through the contact information section located at [email protected]

Upon receipt of your written request, we will provide you with a copy of your Personal Information although in certain limited circumstances, we may not be able to make all relevant information available to you such as where that information also pertains to another user. In such circumstances we will provide reasons for the denial to you upon request. We will endeavor to deal with all requests for access and modifications in a timely manner. We will make every reasonable effort to keep your Personal Information accurate and up-to-date, and we will provide you with mechanisms to update, correct, delete or add to your Personal Information as appropriate. As appropriate, this amended Personal Information will be transmitted to those parties to which we are permitted to disclose your information. 

Notice to California Residents as per CCPA guidelines 

This section provides additional details about the personal information we collect about California consumers and the rights afforded to them under the California Consumer Privacy Act or "CCPA."

Under California Civil Code Section 1789.3, California users are entitled to the following consumer rights notice: California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs. 

California consumers may make a request pursuant to their rights under the CCPA by contacting us at [email protected].  Please note that you must verify your identity and request before further action is taken, such as by providing your government identification. Consistent with California law, you may designate an authorized agent to make a request on your behalf. In order to designate an authorized agent to make a request on your behalf, you must provide a valid power of attorney, the requester’s valid government issued identification, and the authorized agent’s valid government issued identification.

For the categories of personal information we have collected from you, please see the "Information We Collect" section above. We collect this information for the business and commercial purposes described in the "How We Use Personal Information" section above.

Note: Fraud risk associated with an individual IP address may be shared with an Integrator upon request.

The Company does not "sell" (as this term is defined in the CCPA) the personal information we collect. Please refer to the "Third Party Analytics and Tracking Technologies" section above for more information regarding the types of third-party cookies, if any, that we use.

Subject to certain limitations, the CCPA provides California consumers the right to request to know more details about the categories or specific pieces of personal information we collect (including how we use and disclose this information), to delete their personal information, to opt out of any "sales" that may be occurring, as well as the right to not be discriminated against for exercising these rights.