Privacy Policy

ShopTradelines (“ShopTradelines,” “we,” “our,” or “us”) operates an educational research platform that helps consumers learn about authorized-user tradelines, evaluate general eligibility considerations, and explore informational resources related to credit profile characteristics. We take privacy seriously and aim to handle personal information with transparency and care.

This Privacy Policy describes the information we collect through shoptradelines.com (the “Site”), how that information is used, and the choices available to visitors. The Site is provided for educational and informational purposes only and does not constitute financial, legal, lending, or credit-repair advice.

We collect the following categories of information:

• Contact details you voluntarily provide, such as name, email address, and phone number.
• Assessment & quiz responses submitted through our educational credit-profile assessment tools.
• Voluntary submissions, including messages sent through forms, support inquiries, and preference selections.
• Device & browser information, including browser type, operating system, screen size, and referring URLs.
• Usage & analytics data, such as pages visited, time on page, scroll behavior, and interactions with educational content.
• IP address and approximate location, used for analytics, security, and fraud prevention.
• Cookies and similar technologies, described in Section 5 below.

We use information for purposes consistent with operating an educational platform, including to:

• Deliver educational credit-profile assessment results and related guidance.
• Respond to questions and provide customer support.
• Improve the Site, including content quality, navigation, and performance.
• Analyze aggregate usage patterns to better understand consumer research needs.
• Communicate updates, educational resources, and platform notices you have requested.
• Detect, investigate, and help prevent fraud, abuse, or misuse of the Site.
• Conduct general eligibility review for educational matching purposes.
• Maintain the security, reliability, and overall integrity of the platform.

Our credit profile assessment is an educational tool intended to help consumers explore general informational guidance regarding authorized-user tradeline characteristics. Submitting the assessment does not create a financial, lending, or advisory relationship.

• The assessment is provided for educational purposes only.
• No credit decisions are made based on your responses.
• No lending or underwriting decisions are made through this platform.
• No specific outcome, posting, or credit score change is guaranteed.
• No guarantee is made that any account will report to any credit bureau.
• Results are general and informational, and may differ from outcomes experienced by other consumers.

We use cookies and similar technologies to operate the Site, remember preferences, and analyze how visitors interact with our educational content. These include:

• Google Analytics — aggregate traffic and engagement reporting.
• Microsoft Clarity — anonymized session and behavioral analytics used to improve usability.
• Ahrefs Analytics — aggregate traffic and SEO performance reporting.
• Pinterest Tag (including Conversions API) — used for advertising measurement and to report conversions (such as form submissions) to Pinterest for ad performance and retargeting purposes; includes both a browser-based tag and limited server-side event reporting.
• Functional cookies — remember preferences and support core Site features.
• Performance cookies — help us optimize loading speed and content delivery.

Most browsers allow you to control or disable cookies through their settings. Disabling cookies may affect the functionality or appearance of certain features. You may also opt out of Google Analytics by installing the Google Analytics opt-out browser add-on.

You can manage your cookie and tracking preferences for this Site at any time using the Cookie Preferences link in the footer, including opting out of analytics or advertising cookies.

We do not sell personal information. Depending on your jurisdiction, certain disclosures to advertising partners — such as sharing device or usage data with advertising measurement providers for cross-context behavioral advertising — may be considered a “share” under applicable law (such as the CPRA). We share information only in limited circumstances necessary to operate the platform, including with:

• Service providers who help us host, secure, and operate the Site under appropriate confidentiality obligations.
• Analytics providers who help us understand aggregate engagement and improve content.
• Operational partners assisting with customer support, communications, or educational delivery.
• Legal and compliance recipients when required by law, regulation, subpoena, or to protect rights, safety, or the integrity of the platform.
• Advertising measurement partners (such as Pinterest) who help us measure ad performance and understand which content drives visitor engagement, as described in Section 5.

We do not rent, sell, or trade personal information to third parties for their independent marketing purposes. You can opt out of this sharing for advertising purposes at any time using the Cookie Preferences link in the footer or the “Do Not Sell or Share My Personal Information” control within it.

We use commercially reasonable administrative, technical, and organizational safeguards designed to protect information against unauthorized access, loss, misuse, or alteration. While we take protection seriously, no method of transmission or storage over the internet can be guaranteed to be completely secure, and we cannot warrant absolute security.

We retain information only for as long as reasonably necessary to fulfill the purposes described in this Policy, satisfy legitimate operational needs, comply with legal or regulatory obligations, resolve disputes, and enforce our agreements. You may request deletion of personal information you have submitted by contacting us using the details in Section 13.

Depending on your jurisdiction, you may have the right to:

• Request access to the personal information we hold about you.
• Request correction or deletion of personal information you submitted.
• Update your communication preferences or unsubscribe from optional emails.
• Object to or restrict certain types of processing where applicable by law.

California residents may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to request deletion, and the right not to be discriminated against for exercising privacy rights. We do not sell personal information as defined under the CCPA. To the extent any advertising-related data disclosure (such as to Pinterest for ad measurement) is considered a “share” under the CCPA/CPRA, you can opt out at any time using the “Do Not Sell or Share My Personal Information” control in Cookie Preferences (footer link).

To exercise any of these rights, contact us using the information in Section 13. We may need to verify your identity before fulfilling certain requests.

The Site may include links to third-party websites or resources for educational context. ShopTradelines does not control these external sites and is not responsible for their content, privacy practices, or terms. We encourage you to review the privacy policies of any third-party site you visit.

The Site is intended for adults aged 18 and older. ShopTradelines does not knowingly collect personal information from individuals under 18. If we become aware that a minor has provided personal information, we will take reasonable steps to delete it.

We may update this Privacy Policy from time to time to reflect changes in our practices, platform features, or applicable laws. When we make material changes, we will update the “Last updated” date above and, where appropriate, provide additional notice. Continued use of the Site after changes take effect constitutes acceptance of the updated Policy.

Questions, requests, or concerns regarding this Privacy Policy or your information may be directed to:

For related disclosures, see our Disclosures and Fraud Prevention Policy.