Privacy Policy

1. Introduction

LeadsAi LLC ("LeadsAi," "we," "us," "our") owns and operates CreditHound.io ("CreditHound," the "Service"). This policy explains what information we collect through the Service, how we use it, and your rights as a user.

By using CreditHound, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use our services.

2. Information We Collect

Contact and Intake Information

When you use our questionnaire or request a review, we collect what you enter - your name, email address, phone number (optional unless you ask for a call), state, your quiz answers, and whether you asked to be contacted by a partner law firm - together with the exact consent wording you saw, whether you checked it, and when.

What We Do Not Collect

The current CreditHound website does not ask you to upload your credit report, does not pull your credit, and does not ask for your Social Security number or full account numbers. Please do not send us these.

Call, Text, and Voice Data

When you call the number on our website, or we contact you about your request, calls may be placed or answered by an automated AI voice assistant and may be recorded and transcribed. We keep those recordings, transcripts, and AI-generated call summaries, along with text messages and emails exchanged with you.

Cookies, Advertising, and Analytics

We use first-party analytics such as pages visited and timestamps. Google's tag (Google Tag Manager and Google Ads) loads on public pages in a limited mode: until you accept our cookie banner it sets no advertising or analytics cookies and sends only cookieless measurement signals (for example, that a page was viewed or a form was submitted). Meta and Omnisend tags load only if you accept. None of these tags load when your browser sends a Global Privacy Control signal, after you opt out on Your Privacy Choices, or on account and report pages. See our Cookie Policy and Your Privacy Choices.

Payment Information

CreditHound is free to consumers and does not collect payment information. We never charge you and never process consumer payments.

3. How We Use Your Information

• To show you general information based on your quiz answers.
• To connect you with FCRA attorneys in our partner network when attorney review may be appropriate; attorneys independently evaluate whether legal claims exist and, if they take the matter, handle any dispute correspondence.
• To improve our questionnaire and service quality.
• To communicate with you about the request you submitted.
• To contact you about your request by phone, text, or email - including through an automated AI voice assistant - and to record, transcribe, and review those calls for quality, training, and compliance purposes.

4. Data Sharing

We do not share, sell, or provide your mobile phone number or messaging consent data to third parties or affiliates for marketing or promotional purposes.

CreditHound's SMS opt-in and consent records are not sold, rented, or transferred to partner law firms or other businesses for their own messaging. Our CRM, messaging, and communications service providers may process mobile numbers and consent records only on CreditHound's behalf to provide those services and document compliance. This service-provider processing does not authorize them to market to you independently.

We share other personal information only as described below. Website measurement and advertising technologies, and your choices to opt out of that processing, are described under Advertising and Analytics and Your Rights.

Attorney Partners

If you request attorney review and authorize a referral, we may share your questionnaire answers and contact details with a participating law firm so it can evaluate and respond to that request. A referral does not enroll you in the firm's SMS program or transfer your CreditHound messaging consent. The firm must obtain your separate SMS consent before sending you text messages. An attorney-client relationship is formed only if and when you sign an engagement agreement with a law firm.

CreditHound is compensated by participating law firms for technology, administrative, and marketing services. This compensation does not affect your access to CreditHound's free questionnaire, whether a law firm accepts your matter, or your legal rights.

Service Providers

These providers process information on our behalf, under contract, and may use it only to provide their services to us:

• Our CRM and communications platforms: GoHighLevel, telephony/SMS providers, and the AI voice-assistant provider that places, answers, records, and transcribes calls on our behalf. These providers handle mobile numbers, messages, call recordings, and consent records so we can contact you about your request and document compliance.
• Hosting and database infrastructure providers that store and run the Service.

Advertising and Analytics

We use advertising and analytics providers (Google, Meta, Omnisend). These are website measurement and tracking services, described under "Cookies, Advertising, and Analytics" above and in our Cookie Policy. They are separate from the text messages you request about your review. We do not provide your SMS opt-in or consent records to these providers for marketing or promotional purposes. As explained under Your Rights, their website technologies may still constitute "sharing" for cross-context behavioral advertising under California law; you can opt out through Your Privacy Choices or a Global Privacy Control signal.

Legal Requirements

We may disclose information if required by law or valid legal process.

5. Data Security

• Data is transmitted between your browser and our servers over standard HTTPS.
• Our database uses access controls so only authorized CreditHound staff can view submissions.
• We do not currently hold any third-party security certifications and make no SOC 2, HIPAA, "bank-level," or similar claims about our own systems.

6. Data Retention

• Questionnaire submissions and consent records: retained as long as needed to handle your request and to document your consent.
• Call recordings and transcripts: retained for as long as needed for the purposes above and to document your consent.

We retain intake and contact information only as long as needed for the purposes described in this policy, keep consent records for as long as required by law, and delete or de-identify data when it is no longer needed.

You can request deletion of your information at any time by contacting us.

7. Your Rights

• Access: Request a copy of the information we have about you by emailing privacy@credithound.io.
• Deletion: Request deletion of your information.
• Portability: Request a copy of your information in a portable format by emailing privacy@credithound.io.
• Opt-out: Opt out of attorney referrals at any time.
• Stop texts: Reply STOP to any CreditHound text and we stop texting that number immediately.
• Other contact and privacy requests: To stop calls or emails, tell our assistant or team during a call, or email privacy@credithound.io. We honor these contact opt-out requests within 10 business days. Other privacy rights requests are handled within the timeframes required by applicable law, as described below.

California Residents: You have additional rights under the CCPA, including the right to know, delete, and opt-out of the sale of personal information. We do not sell your personal information for money. We do use advertising and analytics partners (Google, Meta) whose technologies may constitute “sharing” for cross-context behavioral advertising under California law. You can opt out at any time via the Your Privacy Choices link in our footer, and we honor the Global Privacy Control browser signal as an opt-out. Because there is no common industry standard for browser “Do Not Track” (DNT) signals, we do not respond to DNT signals at this time.

8. California Privacy Rights

If you are a California resident, you have the right to:

• Know what personal information we collect, use, and disclose.
• Delete personal information we hold about you.
• Correct inaccurate personal information.
• Opt out of the sale or sharing of your personal information for cross-context behavioral advertising.
• Limit the use and disclosure of sensitive personal information.
• Non-discrimination - we will not deny service, charge different prices, or provide a different quality of service because you exercised these rights.

To exercise these rights, email privacy@credithound.io or use our Your Privacy Choices page. An authorized agent may submit a request on your behalf with proof of authorization. We respond within the timeframes required by law.

9. SMS / Text Messaging

CreditHound collects your mobile number and your SMS consent directly from you when you choose to opt in on our website. We do not buy, rent, or accept transferred SMS consent from third parties. Your CreditHound SMS consent authorizes CreditHound's messages about your request; it does not authorize a law firm or another business to text you. Service-provider processing and requested attorney referrals are described in Section 4. A referred firm must obtain your separate SMS consent before texting you.

• What we send: conversational, customer-care messages about the review you asked for - scheduling, follow-up questions, and status updates. We do not send promotional or marketing text campaigns.
• Message frequency: varies depending on your conversation with us; typically a few messages per request.
• Cost: message and data rates may apply. CreditHound never charges you for the service.
• Opt out: reply STOP to any message to stop immediately. Reply HELP, or email privacy@credithound.io, for help.
• Carriers: mobile carriers are not liable for delayed or undelivered messages.

CreditHound is not a credit repair, debt collection, debt relief, debt consolidation, or debt settlement business, and we never text about those topics. We do not send loan offers or any high-risk financial promotions.

10. Important Disclaimers

• CreditHound is not a credit repair organization (CRO) as defined under the Credit Repair Organizations Act (CROA).
• Questionnaire results are informational and does not constitute legal advice.
• We do not guarantee any specific outcome from disputes or legal actions.
• We do not promise to improve your credit score.
• Our AI voice assistant is not an attorney and does not provide legal advice.

11. Children's Privacy

CreditHound is not intended for anyone under 18. We do not knowingly collect information from minors.

12. Changes to This Policy

We may update this policy from time to time. If we make material changes, we will notify you via email. Continued use of CreditHound after changes are posted constitutes your acceptance of the updated policy.

13. Contact Us

CreditHound.io is owned and operated by LeadsAi LLC.

Email: privacy@credithound.io

For data deletion requests: privacy@credithound.io