Privacy Policy
Last updated: November 18, 2024
Your privacy is important to us. This Privacy Policy explains how TechSci collects, uses, discloses, and safeguards your information.
1. Information We Collect
1.1 Personal Information
When you create an account, we collect:
- Name and email address
- Phone number (optional)
- Date of birth
- Residential address
- Social Security Number (last 4 digits for verification)
1.2 Credit Information
We obtain your credit information from consumer reporting agencies:
- Credit scores from TransUnion, Equifax, and Experian
- Credit report data (accounts, payment history, inquiries)
- Credit utilization and available credit
- Public records and collections
1.3 Usage Information
- Device information (type, OS, browser)
- IP address and location data
- Pages visited and features used
- Time and date of visits
- Referring websites
2. How We Use Your Information
We use your information to:
- Provide Services: Display your credit scores, reports, and monitoring alerts
- Personalization: Customize recommendations and financial tips
- Communication: Send account updates, security alerts, and promotional emails (with your consent)
- Security: Detect and prevent fraud, unauthorized access, and illegal activities
- Analytics: Improve our services, user experience, and develop new features
- Legal Compliance: Comply with legal obligations and enforce our Terms of Service
3. Data Sharing & Disclosure
We do NOT sell your personal information.
We may share your information with:
Credit Bureaus
TransUnion, Equifax, and Experian to obtain your credit data.
Service Providers
Third-party vendors who assist with hosting, analytics, customer support, and email delivery. They are contractually obligated to protect your data.
Legal Requirements
When required by law, court order, or to protect our rights and safety.
Business Transfers
In connection with a merger, acquisition, or sale of assets, your information may be transferred to the new entity.
4. Your Privacy Rights
Under GDPR (EU) and CCPA (California), you have the right to:
To exercise these rights: Email us at privacy@techsci.co or visit your account settings.
5. Data Security
We implement industry-standard security measures to protect your information:
- Encryption: 256-bit SSL/TLS encryption for data transmission
- Data at Rest: Encrypted database storage with AES-256
- Access Controls: Multi-factor authentication and role-based access
- Monitoring: 24/7 security monitoring and intrusion detection
- Compliance: SOC 2 Type II certified infrastructure
- Regular Audits: Annual security assessments and penetration testing
Note: No method of transmission over the internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.
7. Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected data from a child, please contact us immediately.
8. International Data Transfers
Your information may be transferred to and processed in countries outside your residence. We ensure appropriate safeguards are in place through:
- Standard Contractual Clauses (SCCs) approved by the European Commission
- Adequacy decisions for certain jurisdictions
- Privacy Shield Framework compliance (where applicable)
9. Changes to This Privacy Policy
We may update this Privacy Policy periodically. We will notify you of significant changes via email or prominent notice on our website. Your continued use of our services after changes constitutes acceptance of the updated policy.
10. Contact Us
If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:
Email: privacy@techsci.co
Mail: TechSci Privacy Team
1111B S Governors Ave STE 34002
Dover, DE 19904 US
Phone: (302) 279-2345
This Privacy Policy is effective as of November 18, 2024. By using TechSci services, you acknowledge that you have read and understood this Privacy Policy.