CreativeFinance.app ("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 platform.
1. Information We Collect
1.1 Information You Provide
When you use our Platform, you may provide us with:
- Account Information: Name, email address, phone number, password
- Identity Verification (KYC): Legal name, date of birth, Social Security Number (last 4 digits), government ID, proof of address
- Financial Information: Bank account details, payment information, transaction history
- Deal Information: Property details, deal terms, funding requests, loan applications
- Communications: Messages sent through the Platform, support requests, feedback
1.2 Information Collected Automatically
When you access our Platform, we automatically collect:
- Device Information: IP address, browser type, operating system, device identifiers
- Usage Data: Pages visited, features used, time spent on Platform, click patterns
- Location Data: General geographic location based on IP address
- Cookies and Tracking: Session cookies, analytics cookies, preference cookies
1.3 Information from Third Parties
We may receive information from:
- Identity Verification Services: Results from KYC/AML checks
- Banking Partners: Transaction confirmations, account status
- Public Records: Property records, lien information (for deal verification)
- Social Login Providers: If you sign in with Google or other OAuth providers
2. How We Use Your Information
We use your information to:
2.1 Provide Our Services
- Create and manage your account
- Verify your identity and prevent fraud
- Process deals, loans, and payments
- Generate and manage loan documents
- Facilitate communication between users
- Provide customer support
2.2 Improve Our Platform
- Analyze usage patterns to improve features
- Develop new products and services
- Conduct research and analytics
- Train AI models for deal analysis (using anonymized data)
2.3 Communicate With You
- Send transaction notifications and alerts
- Provide account and security updates
- Send marketing communications (with your consent)
- Respond to your inquiries and requests
2.4 Legal and Compliance
- Comply with legal obligations and regulations
- Respond to legal requests and court orders
- Protect against fraud, abuse, and illegal activity
- Enforce our Terms of Service
3. How We Share Your Information
We may share your information with:
3.1 Other Platform Users
- Borrowers and Lenders see limited profile information when engaging in deals
- Deal details are shared between parties to a transaction
- Reputation scores and transaction history may be visible to other users
3.2 Service Providers
We work with third-party providers who assist us with:
- Payment processing and banking services
- Identity verification and fraud prevention
- Cloud hosting and data storage
- Analytics and performance monitoring
- Email and communication services
- Customer support tools
3.3 Legal Requirements
We may disclose information when required to:
- Comply with applicable laws, regulations, or legal processes
- Respond to government or regulatory requests
- Protect our rights, privacy, safety, or property
- Investigate potential violations of our Terms
3.4 Business Transfers
If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.
4. Data Security
We implement industry-standard security measures to protect your information:
- Encryption: Data is encrypted in transit (TLS) and at rest
- Access Controls: Strict role-based access to sensitive data
- Secure Infrastructure: Hosted on SOC 2 compliant cloud providers
- Regular Audits: Security assessments and vulnerability testing
- Employee Training: Staff trained on data protection practices
While we strive to protect your information, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.
5. Data Retention
We retain your information for as long as necessary to:
- Provide our services and maintain your account
- Comply with legal and regulatory requirements
- Resolve disputes and enforce agreements
- Maintain records for financial and tax purposes
Generally, we retain account data for 7 years after account closure to comply with financial regulations. Transaction records are retained as required by law.
6. Your Rights and Choices
Depending on your location, you may have the following rights:
6.1 Access and Portability
You can request a copy of your personal data in a portable format.
6.2 Correction
You can update or correct inaccurate information through your account settings or by contacting us.
6.3 Deletion
You can request deletion of your personal data, subject to legal retention requirements. Note that we may need to retain certain information for legal or regulatory purposes.
6.4 Marketing Opt-Out
You can opt out of marketing communications at any time by:
- Clicking "unsubscribe" in any marketing email
- Updating your notification preferences in account settings
- Contacting us at support@creativefinance.app
6.5 Cookie Preferences
You can control cookies through your browser settings. Note that disabling certain cookies may affect Platform functionality.
7. State-Specific Rights
7.1 California Residents (CCPA)
If you are a California resident, you have the right to:
- Know what personal information we collect and how it's used
- Request deletion of your personal information
- Opt out of the "sale" of personal information (we do not sell personal information)
- Non-discrimination for exercising your privacy rights
7.2 Other State Laws
We comply with applicable state privacy laws including Virginia (VCDPA), Colorado (CPA), and others. Contact us to exercise any rights available under your state's law.
8. Cookies and Tracking Technologies
We use cookies and similar technologies for:
| Type | Purpose | Duration |
|---|---|---|
| Essential | Authentication, security, basic functionality | Session |
| Functional | Remember preferences, settings | 1 year |
| Analytics | Understand usage patterns, improve Platform | 2 years |
| Marketing | Measure ad effectiveness, attribution | 90 days |
9. Age Requirements & Children's Privacy
Age Requirement: You must be at least 18 years of age to use this platform.
Our Platform is not intended for users under 18 years of age. We do not knowingly collect personal information from children or anyone under the age of 18. If we learn we have collected information from a person under 18, we will delete it promptly and terminate the associated account.
10. International Users
Our Platform is operated in the United States. If you access the Platform from outside the U.S., your information will be transferred to, stored, and processed in the U.S., where data protection laws may differ from your country.
11. Third-Party Links
Our Platform may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any information.
12. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by email or through a notice on our Platform. Your continued use after changes become effective constitutes acceptance of the updated policy.
13. Contact Us
If you have questions about this Privacy Policy or our data practices, please contact us:
- Email: support@creativefinance.app
- Security Issues: security@creativefinance.app
- Website: creativefinance.app
Effective Date: December 10, 2025