BRUK CREDIT PRIVACY POLICY

April 30, 2021 UPDATED
 

1. Introduction

Bruk Credit ("we," "our," or "us") values your privacy. This Privacy Policy explains how we collect, use, and protect your personal information when you interact with our services, including our website, email, and SMS communications.

By using our services, you consent to the practices described in this policy.

2. Information We Collect

We may collect:

Personal Information: Name, email, phone number, mailing address.

Financial Information: Credit history details or documents you voluntarily share.

Communication Data: Your interactions with our website, emails, or SMS (including when you opt in/out of messages).

Technical Data: Device type, browser, and cookies for website functionality and analytics.

3. How We Use Your Information

We use your data to:

Provide financial education, tools, and support.

Deliver important account updates, reminders, and educational content.

Manage SMS and email communications in compliance with 10DLC rules.

Respond to inquiries and provide customer support.

Meet legal or regulatory obligations.

4. SMS Messaging & 10DLC Compliance

Bruk Credit uses SMS text messaging in compliance with U.S. carrier and 10DLC requirements:

You will only receive text messages if you have explicitly opted in.

Standard messaging and data rates may apply.

Every message includes instructions to reply “STOP” to unsubscribe or “HELP” for support.

Opt-out requests are honored immediately.

You may also contact us at [info@brukcredit.com] to manage your preferences.

5. Sharing of Information

We may share your information with:

Service Providers: To help us deliver SMS, email, and website services.

Legal Authorities: If required by law, regulation, or court order.

Partners (with consent): When you explicitly agree to share your data with trusted third parties.

We do not sell or rent your personal information to marketers.

6. Data Security

We use administrative, technical, and physical safeguards to protect your data. While no system is 100% secure, we take all reasonable steps to prevent unauthorized access or misuse.

7. Data Retention

We keep your information only as long as necessary to provide services, meet legal obligations, or resolve disputes. You may request deletion of your data at any time.

8. Your Rights (U.S. Consumers)

You have the right to:

Request access to the personal information we hold about you.

Request corrections or deletion of your data.

Withdraw consent for SMS, email, or other communications.

Exercise state-specific rights (e.g., under the California Consumer Privacy Act (CCPA) if you are a California resident).

9. Children’s Privacy

Our services are intended for individuals 18 years and older. We do not knowingly collect personal data from minors.

10. Changes to This Policy

We may update this policy periodically. Any changes will be posted on this page with an updated effective date.

11. Contact Us

For questions about this Privacy Policy, please contact us at:
📧 Email: [info@brukcredit.com]
🏢 Address: 120 Northwood Dr, Sandy Springs, GA, US