Privacy Policy

CREDX AI INC respects your privacy and is committed to protecting the personal information you provide to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us in any way.

By accessing or using our services, you agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, mailing address, and other contact details, if you fill out any web forms on this website or have an active subscription with us.
• Account Information: Username, password, and preferences if we create an account for you as a subscriber to our products and/or services.
• Payment Information: company address, main contact names, bank account details or other financial data for billing purposes.
• Usage Data: Pages visited, time spent on the website, browser type, IP address, and device information.
• Financial Research Data: Investment-research related searches, security identifiers, and portfolio names.
• Cookies and Tracking Data: For analytics, performance, and functionality.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide and improve our products and services
• To personalize your experience
• To communicate with you about your account or subscriptions
• To respond to customer support requests
• To analyze website usage, web app usage, or API usage, and optimize performance
• To comply with legal obligations, federal, state, and local regulations, and data licensing agreements with third parties.
• Financial research data is kept confidential to each client account, and may only be shared with users in the same account.

3. SMS/Text Messaging Policy

By submitting your phone number through any of our webforms, including the “Contact Us” form, you expressly consent to receive SMS/text messages from CREDX AI related to your inquiry or service request.

Message frequency: Varies based on interaction (typically 1 to 3 messages per request).

Message & data rates may apply.

Reply STOP to opt out at any time.

Reply HELP for more information or assistance.

We will not share, sell, rent, or disclose your phone number or any personal information for marketing purposes to third parties.

Text messaging is used solely to respond to inquiries or provide service-related communications. Consent is not a condition of purchase.

4. Sharing and Disclosure of Information

We do not sell, rent, trade, or otherwise share your Personally Identifiable Information (PII) with third parties for their marketing purposes.

We may disclose your information only in the following limited circumstances:

• With service providers and vendors who assist us in operating our business and are contractually obligated to keep your data confidential and secure.
• To comply with legal obligations, such as responding to lawful requests by public authorities, including to meet national security or law enforcement requirements.
• In the event of a business transfer, such as a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, but we will provide notice of any change in data handling practices.

5. Your Privacy Rights

Depending on your state of residence (such as California), you may have certain privacy rights under applicable laws like the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information we collect and how we use it
• The right to request access to your personal information
• The right to request deletion of your personal information
• The right to opt out of the sale of personal information (we do not sell personal information)

You can exercise your privacy rights by contacting us at contact@credx.ai.

6. Data Security

We implement appropriate technical and organizational safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

7. Children’s Privacy

Our services are not directed to individuals under the age of 13, and we do not knowingly collect personal information from children.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the updated policy on our website with a new effective date.

9. European Economic Area

If you are a resident of the European Economic Area (EEA), you have certain data protection rights. Your data will be transferred outside the European Economic Area (EEA), or your local area, only under GDPR-compliant safeguards. We implement appropriate technical and organizational measures to ensure a level of security appropriate to the risk. Under GDPR, you have the right to:

• Access, correct, delete, or transfer your personal data.
• Withdraw your consent at any time, where processing is based on consent.
• Lodge a complaint with a supervisory authority.

10. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us:

CREDX AI INC

Email: contact@credx.ai

Address: 845 S Tropical Trl. Merritt Island, FL 32952

Phone: +1 321 321 6470

Effective Date: 03/31/2025