Privacy Policy

Last updated: April 2026

This Privacy Policy describes how CredBackr Inc. (“CredBackr”, “we”, “us”, or “our”) collects, uses, and processes information when you use our website at credbackr.com (the “Service”).

Interpretation and Definitions

Definitions

For the purposes of this Privacy Policy:

  • Company refers to CredBackr Inc., a Delaware C-Corporation.
  • Personal Data is any information that relates to an identified or identifiable individual.
  • Service refers to the Website.
  • Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself.
  • Website refers to credbackr.com.
  • You means the individual accessing or using the Service, or the company or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Data We Collect

Usage Data

We use Cloudflare Web Analytics, which is a privacy-first, cookieless analytics service. It does not use cookies, does not track individual users across sites, and does not collect personally identifiable information. Usage Data collected through this service is limited to aggregate page view counts, referrer information, and browser/device categories.

Contact Form Data

When you submit the contact form on our website, we collect the information you provide: your name, email address, organisation, role, area of interest, and message. This information is sent directly to our team via email forwarding and is used solely to respond to your inquiry.

We do not store contact form submissions in a database. We do not share this information with third parties. We do not add your email address to a mailing list.

How We Use Your Data

We use the data we collect for the following purposes:

  • To respond to inquiries submitted through the contact form.
  • To understand aggregate site usage through cookieless analytics, so we can identify which pages are useful and which are not.

We do not use your data for marketing, profiling, behavioural targeting, or resale.

Cookies

This website does not use cookies. Cloudflare Web Analytics operates without cookies and without collecting personally identifiable information.

Data Retention

Contact form submissions are retained in our email system for as long as necessary to respond to and manage the inquiry. We do not maintain a separate database of submissions.

Aggregate analytics data is retained by Cloudflare in accordance with their data retention policies. No individual-level data is retained because none is collected.

Data Sharing

We do not sell, trade, or otherwise transfer your personal information to third parties. We do not use third-party advertising, remarketing, or tracking services.

Data Processing — CredBackr Reports

This Privacy Policy covers the credbackr.com website only. The processing of bank statement data for CredBackr report generation is governed by separate data processing agreements between CredBackr and its customers. CredBackr operates as an operator (processor) under POPIA for customer-provided data. Bank statement data is processed in-memory and is not retained after report generation.

Your Rights

Depending on your jurisdiction, you may have rights regarding your personal data, including the right to access, correct, or request deletion of data we hold about you. To exercise these rights, contact us at the address below.

Children’s Privacy

Our Service is not directed at anyone under the age of 18. We do not knowingly collect personal information from anyone under the age of 18.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of changes by posting the updated policy on this page and updating the “Last updated” date.

Contact Us

If you have questions about this Privacy Policy, you can contact us:

This report presents observed behavioral patterns from bank statement data and applicant declarations. It does not constitute financial advice or a credit decision. Decision authority rests entirely with the decision owner.