Your privacy is critically important to us. This policy outlines how AltFTool collects, uses, protects, and discloses personal information when you browse our Credit Builder Loan guide, request informational materials, or interact with our comparison tools.
1. Information We Collect
When you interact with the AltFTool Credit Builder Loan educational platform, we may collect information in two main ways: information you provide voluntarily, and information collected automatically through your device and browser.
Voluntary Information: When you fill out an email form, request educational materials, or request to be matched with credit builder lending partners, you may provide your name, email address, state/ZIP code, credit goal range, and phone number.
Automated Data: We collect standard technical and diagnostic data including your IP address, browser type, operating system, referring URL, pages visited, time spent on each section, and device viewport dimensions to ensure responsive rendering and security monitoring.
2. How We Use Your Information
We use the collected information strictly for legitimate business and educational purposes, including:
3. Information Sharing & Third-Party Lenders
AltFTool is an independent educational publisher and referral marketplace, not a direct bank or depository institution. We may share your information under the following limited circumstances:
4. Data Security & Retention
We implement technical, administrative, and physical safeguards designed to protect personal data from unauthorized access, loss, misuse, or alteration. These measures include encrypted data transmission (HTTPS/TLS 1.3), restricted role-based internal access, and continuous vulnerability monitoring.
We retain personal data only for as long as necessary to fulfill the purposes for which it was collected, maintain audit trails, satisfy legal obligations, and resolve any disputes.
5. Your Privacy Rights (CCPA, CPRA & State Laws)
Depending on your state of residence (such as California, Colorado, Connecticut, Utah, or Virginia), you may have specific statutory privacy rights:
To exercise any of these rights, email us at privacy@altftool.com with 'State Privacy Request' in the subject line.
6. Children's Privacy Notice
AltFTool and our Credit Builder Loan guides are strictly intended for individuals who are at least 18 years of age (or the age of legal majority in your state). We do not knowingly collect or solicit personal information from children under 13 under any circumstances.