Privacy Policy

Kredifi Privacy Policy
Effective Date: April 8, 2026

Kredifi, Inc. (“Kredifi,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard personal information when you access or use our website (https://www.kredifi.com), platform, and related services (collectively, the “Services”).

This Policy applies to:

• Visitors to our website
• Customers (businesses using our Services)
• Applicants (individuals who are the subject of background checks or screening reports)

This Policy does not apply to third-party services we do not own or control.

By using the Services, you acknowledge that your information will be handled as described in this Policy.

1. Information We Collect

We collect personal information that identifies, relates to, or could reasonably be linked to an individual.

A. Information You Provide

• Name, email address, phone number
• Account credentials
• Communications and support inquiries
• Business and billing information

B. Customer Information (Business Users)

• Business name, address, and contact details
• Employer Identification Number (EIN)
• Licensing or regulatory information
• Payment and billing information

C. Applicant Information (Background Checks)

Depending on the service requested, we may collect:

• Identifiers: name, address, email, phone number
• Government identifiers: Social Security number, driver’s license number, date of birth
• Identity verification data (e.g., documents, photos)
• Employment and education history
• Criminal history and other background data (where permitted by law)

D. Automatically Collected Information

• IP address
• Device and browser information
• Operating system
• Referring and exit pages
• Usage activity and interactions

We collect this data using cookies and similar technologies (see Section 8).

2. Sensitive Personal Information

We may collect “Sensitive Personal Information,” including:

• Social Security numbers
• Government-issued identification
• Background check and criminal history data
• Account login credentials

We use Sensitive Personal Information only as necessary to:

• Provide screening and verification services
• Comply with legal obligations (including the Fair Credit Reporting Act)
• Prevent fraud and ensure security

We do not sell or use Sensitive Personal Information for targeted advertising or profiling.

3. How We Use Information

We use personal information to:

• Provide, operate, and improve our Services
• Conduct background checks and verification services
• Communicate with you about your account or Services
• Provide customer support
• Send marketing communications (subject to your choices)
• Ensure security, prevent fraud, and enforce our terms
• Comply with legal and regulatory obligations

4. Consumer Reporting & FCRA Compliance

Kredifi may operate as a consumer reporting agency under the Fair Credit Reporting Act (“FCRA”) when providing background screening services.

If you are an Applicant:

• Reports may be provided to third parties (e.g., employers, landlords) for permissible purposes
• You have rights under the FCRA, including:
  • The right to request a copy of your report
  • The right to dispute inaccurate information
  • The right to be informed if information is used for adverse action

To exercise your rights, contact us at support@kredifi.com.

5. How We Share Information

We may disclose personal information as follows:

A. Customers

We provide screening reports and related information to authorized customers who request them for lawful permissible purposes.

B. Service Providers

We share information with vendors providing:

• Identity verification
• Data hosting and storage
• Payment processing
• Analytics and fraud prevention

C. Data Sources & Furnishers

We share information with third parties that provide background data, such as:

• Criminal record databases
• Educational institutions
• Employers

D. Affiliates

We may share information within our corporate group.

E. Legal & Compliance

We may disclose information:

• To comply with legal obligations
• In response to subpoenas or court orders
• To protect rights, safety, or property

F. Business Transfers

Information may be transferred in connection with mergers, acquisitions, or asset sales.

G. With Your Consent

We may share information where you direct us to do so.

6. Sale or Sharing of Personal Information

We do not sell personal information for monetary compensation.

We do not  “share” any data (such as cookies or device identifiers) with any third-party partners for analytics or advertising purposes.

7. Your Privacy Rights (U.S. State Laws)

Depending on your state of residence (e.g., California, Colorado, Virginia, Texas, Connecticut, Utah), you may have the right to:

• Access personal information we hold about you
• Request deletion of your personal information
• Correct inaccurate information
• Obtain a portable copy of your data
• Opt out of:
  • Email subscriptions

Exercising Your Rights

You may submit requests by:

• Email: support@kredifi.com

We may verify your identity before processing requests.

Appeals

If we deny your request, you may appeal by contacting us at the same email.

Non-Discrimination

We will not discriminate against you for exercising your rights.

8. Cookies and Tracking Technologies

We use cookies and similar technologies for:

• Essential website functionality
• Analytics and performance
• Personalization

Your Choices

You can:

• Adjust browser settings to refuse cookies
• Use opt-out tools for analytics and advertising
• Enable Global Privacy Control (GPC) signals where supported

9. Marketing Communications

You may opt out of marketing communications by:

• Clicking “unsubscribe” in emails
• Replying “STOP” to SMS messages
• Contacting support@kredifi.com

You will still receive service-related communications.

10. Data Retention

We retain personal information only as long as necessary for:

• Providing Services
• Legal compliance (including FCRA obligations)
• Resolving disputes and enforcing agreements

Retention periods vary depending on:

• Account status
• Legal requirements
• Nature of the data

11. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect personal information.

However, no system is completely secure. You are responsible for maintaining the confidentiality of your credentials.

12. International Data Transfers

We process data in the United States and other countries.

Where required, we use appropriate safeguards, such as:

• Standard Contractual Clauses
• EU-U.S. Data Privacy Framework (if applicable)

13. Individuals in the EEA, UK, and Switzerland

If you are located in these regions, you have rights under applicable data protection laws, including:

• Access, correction, or deletion
• Restriction or objection to processing
• Data portability
• Withdrawal of consent

We process data based on:

• Contractual necessity
• Legal obligations
• Legitimate interests
• Consent (where required)

You may lodge a complaint with your local data protection authority.

14. Children’s Privacy

Our Services are not intended for individuals under 18. We do not knowingly collect personal information from minors.

15. Do Not Track

We respond to Global Privacy Control (GPC) signals where required by law. Otherwise, we do not respond to traditional “Do Not Track” signals.

16. Changes to This Policy

We may update this Privacy Policy from time to time. We will revise the “Effective Date” and provide notice where required.

17. Contact Us

If you have questions or requests, contact us:

Email: support@kredifi.com

Kredifi, Inc.
830 Hillview Court, Suite 280
Milpitas, CA 95035, USA