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Last Updated: January 1, 2026

Credit Action Desk. ("Credit Action Desk") respects your privacy. This policy explains how we collect, use, and protect your information when you use our platform, apps, and services.

Information Collected: Personal identification (name, email, phone, DOB, SSN, address), financial data (income, assets, liabilities, credit history), transaction records, device/usage information, and location data when you interact with our services.

Usage: We use your data to deliver financial services, process transactions, verify identity, prevent fraud, personalize your experience, provide support, comply with KYC/AML regulations, send marketing (with consent), and improve our platform.

Sharing: We share data with service providers, credit bureaus, regulators, and law enforcement as required. We never sell personal data. Third-party sharing requires your explicit consent.

Security: 256-bit AES encryption, SOC 2 Type II, MFA, real-time fraud monitoring, penetration testing, and strict access controls protect your information.

Your Rights: Access, correct, delete, port, and restrict your data. Opt out of marketing anytime. Contact privacy@creditactiondesk.com to exercise rights.

Contact: Data Protection Officer, Credit Action Desk, 967 Williams Mine Road Bernardsville, NJ 07924.

Last Updated: January 1, 2026

These Terms govern your use of Credit Action Desk' platform, website, apps, and all services. By using our services, you accept these Terms in full.

Eligibility: You must be 18+, a legal resident in a supported jurisdiction, and capable of binding contracts. Some services have additional requirements.

Accounts: Provide accurate information. Protect your credentials. Report unauthorized access immediately. You're responsible for all activity under your account.

Services: Lending, insurance, investment, and payment products have separate terms. Rates, fees, and terms vary by product, creditworthiness, and jurisdiction. Past performance doesn't guarantee future results.

Investment Risks: All investments carry risk of loss. Securities and digital currencies are not FDIC insured and may lose value. Consider your risk tolerance before investing.

Prohibited Use: No money laundering, fraud, illegal gambling, or unlawful purposes. We comply with all AML/KYC regulations.

Liability: Credit Action Desk's total liability is limited to fees paid in the prior 12 months. We're not liable for indirect, incidental, or consequential damages.

Disputes: Binding arbitration under AAA rules. No class actions. Governed by New York law.