Legal Information

Last updated: January 4, 2026

Welcome to Credit Critters (“Credit Critters,” “we,” “us,” or “our”). We operate as a marketing and lead generation platform that connects interested consumers with lenders and other financial service providers. We are not a direct lender and do not make credit decisions.

By using our websites, forms, tools, or services (collectively, the “Services”), you agree to the Terms & Conditions and Privacy Policy described on this page.

Section 1

Terms & Conditions

Please read these Terms & Conditions carefully before using our Services.

1. Acceptance of Terms

By accessing or using our Services, submitting an inquiry form, or otherwise interacting with Credit Critters, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions. If you do not agree, you should not use our Services.

2. Our Role – We Are Not a Lender

Credit Critters is a marketing and lead generation company. We do not:

Offer or originate loans or credit products
Make underwriting or credit approval decisions
Set interest rates, fees, or repayment terms
Provide legal, tax, or financial advice

Any loan, credit, or service offer you receive will come directly from a third-party lender or service provider (“Partners”) and will be subject to their separate terms, conditions, disclosures, and policies.

3. Eligibility & Use of the Services

You may use our Services only if you:

Are at least 18 years of age (or the age of majority in your jurisdiction)
Use the Services for personal or business purposes only and not for resale
Provide true, accurate, and complete information
Comply with all applicable laws and regulations

4. No Guarantee of Approval or Specific Terms

Submitting an inquiry through Credit Critters does not guarantee that you will be matched with a Partner, receive an offer, or be approved for any product. Any decisions regarding approval, rates, fees, and terms are made solely by the Partner, not by Credit Critters.

5. Communications & Partner Contact

When you submit a form through our Services, you are requesting to be connected with one or more Partners. You understand and agree that:

Credit Critters may securely transmit the information you provide to Partners that appear to match your profile or request.
Partners may contact you using the contact details you provide, which may include phone, SMS/text, email, or other methods, subject to their own policies and applicable laws.

Where required by law, we or our Partners may ask for your express consent for specific types of communications (for example, automated calls or text messages). You may revoke your consent directly with the Partner according to their policies.

6. Technology & Integrations

Credit Critters uses technology platforms to collect, process, and transmit lead information. We may integrate with Partner systems via API, secure file transfer, or other technical methods. While we strive to maintain secure and reliable integrations, we do not guarantee that any integration will be free from interruptions, delays, or errors.

7. Intellectual Property

All content on our websites, including logos, graphics, text, and layouts, is owned by or licensed to Credit Critters and is protected by intellectual property laws. You may use this content solely for personal, non-commercial purposes related to our Services. Any unauthorized copying, distribution, or modification is prohibited.

8. Disclaimers

To the fullest extent permitted by law, the Services are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied. Credit Critters does not warrant that:

The Services will meet your requirements
The Services will be uninterrupted, secure, or error-free
Information obtained through the Services will be accurate, complete, or current

You are responsible for evaluating any offers, terms, and disclosures made by Partners and for making your own financial decisions.

9. Limitation of Liability

To the maximum extent permitted by law, Credit Critters and its owners, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Services, even if advised of the possibility of such damages.

Our total liability for any claim arising out of or related to the Services shall not exceed the amount, if any, paid by you to Credit Critters for using the Services.

10. Changes to These Terms

We may update these Terms & Conditions from time to time. When we do, we will revise the “Last updated” date at the top of this page. Your continued use of the Services after any changes means you accept the updated Terms.

11. Contact Information

If you have questions about these Terms & Conditions, please contact us at:

Email: info@creditcritters.com
Website: www.creditcritters.com

Section 2

Privacy Policy

This Privacy Policy explains how Credit Critters collects, uses, shares, and protects information when you use our Services.

1. Information We Collect

We may collect the following types of information:

Information you provide directly: such as your name, contact details, postal code, income range, type of credit or service you’re interested in, and any other information you choose to submit through our forms.
Usage and device information: including IP address, browser type, device type, pages visited, referring URLs, and timestamps.
Cookies and similar technologies: which may be used to remember your preferences, analyze site performance, and support marketing and analytics.

2. How We Use Your Information

We may use information we collect for purposes including:

Matching you with appropriate Partners and programs
Transmitting your inquiry to Partners when you submit a form
Responding to your questions or requests
Improving, testing, and operating our Services and technology
Performing analytics and measuring the performance of campaigns
Complying with legal obligations and enforcing our Terms

3. How We Share Information

We may share your information in the following situations:

With Partners: When you submit a form or request to be connected, we may share your information with one or more Partners who may provide loans, credit repair, funding, or other financial services.
With service providers: We may share information with vendors that help us operate our technology, analytics, email systems, or other business functions.
For legal reasons: We may share information if required by law, regulation, legal process, or to protect our rights, users, or the public.
Business transfers: In connection with a merger, acquisition, or sale of all or a portion of our business.

4. Cookies & Tracking Technologies

We and our partners may use cookies, pixels, and similar technologies to understand how users interact with our sites, improve experience, and support advertising or analytics. You may be able to adjust your browser settings to limit or disable cookies, although some features of the Services may not work properly if you do so.

5. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect the information we collect. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

6. Your Choices

You may have choices regarding your information, including:

Choosing not to submit forms through our Services
Requesting that we update or correct the information you have provided, where appropriate
Opting out of marketing communications by following unsubscribe instructions in our emails or by contacting us directly

For communications you receive from Partners, you will need to follow their specific opt-out or unsubscribe instructions.

7. Children’s Privacy

Our Services are not directed to children under 18, and we do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it as required by law.

8. State-Specific Rights

Depending on your state or jurisdiction, you may have additional privacy rights, such as the right to request access to or deletion of certain personal information, or the right to limit certain uses or disclosures. To exercise any applicable rights, please contact us using the information below. We will respond in accordance with applicable law.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will update the “Last updated” date at the top of this page. Your continued use of the Services after any changes means you accept the updated Privacy Policy.

10. Contact Us

If you have questions about this Privacy Policy or how we handle your information, please contact us at:

Email: privacy@creditcritters.com
Website: www.creditcritters.com