Partner review
Data practices, made reviewable.
This page summarizes CreditClarity's present data-handling posture for partners and prospective vendors. It is an operational baseline, not a promise of certification or legal compliance. Vendor-specific diligence and counsel review remain necessary.
Data inventory and flow
Member-entered planning information is stored in the application to operate the requested tool. Account information is processed through the authentication layer. Checkout records are supplied through the platform checkout flow to administer access. When configured, analytics receives routine usage events; opted-in messages are routed through the platform notification proxy.
| Category | Examples | Purpose | Classification |
|---|---|---|---|
| Account and access | Name, email, account role, sign-in and verification context | Operate authenticated accounts and help with access | Confidential |
| Member planning | Budget, spending, debt, subscription, home, mortgage, and auto-planning entries | Provide member-entered planning tools | Sensitive |
| Preferences | Communication and reminder preferences; preference audit records | Honor member choices and provide opted-in messages | Confidential |
| Service telemetry | Routine browser, device, page, and interaction data | Operate, secure, and improve the service | Internal |
| Checkout records | Order and subscription-access records supplied by platform checkout | Administer access, support, and transactions | Confidential |
CreditClarity does not currently receive bank credentials, connect bank accounts, automatically ingest transactions, or receive or pull credit reports or credit-score data. We do not sell personal information.
Classification and access control
- Public: approved marketing and policy content intended for public access.
- Internal: operating information and aggregated service telemetry that is not intended for public release.
- Confidential: account, order, support, and communication-preference information.
- Sensitive: member-entered financial planning information because it can reveal financial circumstances, even though it is not bank-linked or live credit-report data.
Application data is designed around authenticated access and ownership or workspace scoping. Members are limited to data associated with their identity or permitted workspace role, while operational access is intended to be restricted to the minimum needed for support and service administration. Access design is reviewed as product changes are made; it is not represented as a completed certification program.
Vendor management
CreditClarity relies on managed providers for hosting, authentication, database operations, platform checkout/payment processing, and—when messaging is requested—the platform notification proxy. Provider use is limited to operating the service and the applicable transaction or communication. Vendor terms, data processing terms, and security materials require review for the specific partnership or integration at issue.
Retention and deletion operations
Information is retained according to operational need: maintaining an active account, providing a member-requested tool, administering access or orders, investigating security issues, and meeting applicable record obligations. Deletion requests are reviewed against account identity, the request scope, backup cycles, and any records that must reasonably be preserved. A formal, approved record-by-record retention schedule is a diligence item, not a claim made by this page.
Incident response
If a suspected security or privacy incident is identified, the operating approach is to triage the report, contain affected access or processing where appropriate, preserve relevant evidence, assess scope with applicable providers, and coordinate remediation and communications. The team will evaluate notification obligations based on the facts and applicable requirements. This is a practical response posture, not a representation of a certified incident-response program.
Secure development and change management
Product changes are made in source control and checked through build and type validation before publication. Changes that affect data handling should be reviewed for access scope, minimized fields, provider impact, and policy implications. Managed infrastructure provides secure transport and provider-managed encryption where applicable; CreditClarity does not claim end-to-end encryption, SOC 2, HIPAA, PCI certification, or routine penetration testing.
Future financial-data integrations
Any proposed bank aggregation or credit-data-provider integration must not ship until it has documented data mapping, vendor review, purpose limitation, and a release decision that updates the relevant privacy notice and consent experience. The integration must be verified as implemented before CreditClarity describes it publicly.
The current credit-data adapter foundation is server-side only and intentionally unavailable: it does not call a provider, expose provider credentials to the browser, or return live credit data. If an activation attempt is made in the future, it must first confirm recorded member consent and create minimized request metadata without storing a credential or raw credit-report content in the audit record.
For an individual request, use the Privacy Requests form or email team@creditclarity.madethis.app.