Last updated on August 19, 2026.
Introduction
Credit Help Guru Online and our affiliates provide content through our Website and email. We’re also in the marketing and data business. This means we collect information to help advertisers connect with specific audiences across online ads, apps, email, phone calls, and other channels. Our marketing services include collecting, sharing, and selling consumer data, as well as delivering personalized ads based on your activity across different websites and apps.
This policy tells you about how we collect and use the information you give us through this site, as well as how we store and share your information. To learn more about the terms in our website, check out our terms of service.
Please review this policy carefully to understand how we handle your personal information. If you don’t agree with these policies and practices, please don’t use our website or sign up for our emails. When you access or use this website or engage with our other services, you’re agreeing to this privacy policy.
When This Policy Applies And External Websites:
When clicking on links to other websites from Credit Help Guru Online, you acknowledge that you are leaving our site and entering a separate digital space with its own privacy policies. We urge you to be mindful and protect your information. We encourage you to review the privacy policies of any websites you access through links from Credit Help Guru Online.
Sources And Methods Of Personal Information Collection:
When you interact with this website, we collect information you provide directly, including your name, email address, phone number, mailing address, and any information you choose to submit on an inquiry form. We may supplement this information with data received from affiliates and marketing or advertising partners, as well as other third-party data providers. In some cases, this includes data from entities that have obtained your personal information from their own services. We also automatically collect information through cookies and other tracking technologies to conduct analytics and support advertising. See below for more information.
Categories of Data We Collect:
“Personal information” refers to all data or information, regardless of format, processed in the course of the Company’s operations that identifies, relates to, describes, or is reasonably capable of being associated with a particular consumer or household, whether directly or indirectly.
You may be required to submit personal information when registering or subscribing to the Credit Help Guru Online, including your name, date of birth, street address, e-mail address, and phone number. Additional information is collected automatically via cookies and similar technologies, such as IP address, imprecise geolocation (inferred from your IP address), device ID, date and time of access, browsing patterns, and click activity. We may also obtain advertising-related information from data brokers or public databases, including interests, demographic attributes, prior locations, or purchase history. Certain limited categories of sensitive personal information may also be collected. More information about your rights appears below. “Your Privacy Rights” below.
California law requires us to disclose the types of information we have collected in the last year. The data we have collected includes identifiers (like your name, online usernames, email, or other similar unique identifiers); the personal information categories listed in Cal. Civ. Code Section 1798.80(e)) (the California Customer Records Statute) such as information that can be associated with someone in particular but isn’t available through public records; characteristics that are protected under California or U.S. federal law, like gender or race; internet or network activity, such as your browsing history; commercial information, including past purchases; professional or employment-related information, like your resume or current job; imprecise geolocation data; and inferences we can make from other personal information.
We may sell or share the information we collect with third parties and affiliates for marketing and advertising purposes. You have the right to opt out of these uses at any time by visiting here or by calling 855-961-2712.
Treatment of Sensitive Information
Sensitive Personal Information—such as data related to race or ethnicity, religion, precise geolocation, LGBTQ+ status, health conditions, financial account data, or citizenship—is not directly collected by us. We may, however, collect information automatically through technologies like cookies regarding your interactions with web pages, which could suggest interest in sensitive subject matter or group affiliation. For instance, visiting pages focused on certain ethnic groups or health topics may imply such interest. We do not make these inferences ourselves, but our affiliated companies or other third parties with whom we share personal information may do so. If state or local laws require consent, sensitive inferences will not be made. We do not collect or use personal information about children under 18.
Our Uses of Personal Information
We utilize the personal information we collect to send you newsletters or other content that you request and to send you marketing messages by email or through other marketing channels. We also share your personal information with our affiliates and partner companies who may also send you marketing messages by email or other channels. You can opt out here. Our use of personal information for marketing purposes is called “cross context behavioral advertising” under some privacy laws.
Personal Information Disclosures
We share or in some cases sell personal information with our affiliates and with third parties for marketing uses, which may include cross context behavioral advertising. We share personal information with our service providers, who may use it on our behalf for advertising, web hosting, fraud detection, analytics, information security, or similar services. We contract with all recipients of our data to ensure appropriate data security measures and compliance with laws. We also share personal information if required by law (for example, in response to a warrant, subpoena or court order), or to protect the health, safety, or other vital interests of any person.
We may disclose personal information as necessary to comply with applicable laws, regulations, court orders, or legal processes, including disclosures to law enforcement agencies, courts, regulators, or other government authorities, as well as to protect the rights, safety, or security of any person or to enforce our terms and agreements. In addition, personal information may be shared with a buyer or successor organization in connection with a merger, divestiture, restructuring, liquidation, bankruptcy, or similar transaction involving the transfer of business assets.
We may disclose personal information to third parties based on your consent, including for uses disclosed to you when you provide the information or as explained in this privacy policy.
Targeted Advertising, Data Sharing, and Analytics
Third-party advertising and analytics services companies may use information gathered at this site to place advertisements on other websites, perform tracking and reporting functions for those sites and our advertisements, and place third-party advertisements on our Website. These third parties may collect information about the websites you have viewed and advertisements with which you have interacted. Other information that may be collected include your IP address, date and time of interaction, your Internet Service Provider (ISP), and the browser you use to visit this Website. This information may be combined with personal information like your name or email address and may be used to deliver advertising from us or from other companies, through email or through social media sites (known as “cross-context behavioral advertising”). This combined information may also be used to improve our understanding of your interactions with our Website and advertisements.
Cookies, Pixels and Similar Technologies
This website utilizes cookies, pixels, and other automated technologies to: (1) guard this site against online threats, (2) track and analyze how users interact with our website, (3) show you personalized content and advertisements, and (4) analyze how (or whether) you interact with advertisements or other content and communications. Cookies are small computer files that are stored on your browser to serve as unique identifiers so that your browser can be recognized at websites where our pixel is deployed. We do not track every site or page you visit on the Internet. You can restrict or delete the cookies currently on your browser at any time using the settings in your browser. If you use a browser-based “do not track” setting, this may cause an opt-out cookie to be set on your browser to prevent ongoing data collection. If you later delete this opt-out cookie, you may need to opt out again to prevent automated data collection.
Our Website uses automated tools to collect usage data, including cookies, Flash cookies, and web beacons. Cookies are small files stored on your device that support Website operations. You may disable cookies in your browser, but certain Website features may become unavailable if you do so.
Flash cookies are used on some parts of the Website to remember preferences and analyze navigation patterns. These cookies are managed separately through Adobe’s Flash Player settings.
Web beacons, also known as pixel tags or clear gifs, may be included on our Website and in our emails to track page visits, email opens, content popularity, and Website performance metrics.
Global Privacy Control (GPC) and Do Not Track Signals
We recognize and honor Global Privacy Control (“GPC”) signals and similar universal opt-out signals as valid requests to opt out of the sale and sharing of personal information. Upon detecting such signals from your browser or device, we will process your opt-out automatically. We do not try to follow your activity across all websites on the internet. You can manage cookie preferences at any time through your browser settings. Enabling a “Do Not Track” preference or GPC will result in an opt-out cookie being placed on your browser to limit certain data collection. If that cookie is later deleted or your GPC settings are modified, automated data collection may resume.
Exercising Your Data Privacy Rights
You may exercise your privacy rights by using the web form here, or by calling 855-961-2712. You may exercise the following privacy rights to: (1) know how we collect and use personal information (which is the purpose of this Privacy Policy), (2) opt out of us selling or sharing your personal information with third parties, (3) obtain a copy of the personal information we have collected about you, (4) request that we delete your personal information, and (5) make other requests relating to your personal information–we may not be able to accept all requests, but you can always delete your data. If you still have questions or concerns after making your request, please use the email provided below. You may also have the right to appeal to state or federal governmental privacy authorities if we are unable to resolve your issue.
If you would like to log complaints, please see below for contact information:
For the FTC: ReportFraud.ftc.gov or go to ftc.gov/complaint. You can also go directly to the Better Business Bureau complaint portal at bbb.org/file-a-complaint.
For security reasons, we cannot respond to requests unless we can reasonably verify the requester’s identity or authority. A request must contain sufficient information to confirm who is making the request and enough detail for us to understand and respond to it. Requests may be submitted without creating an account, and information provided will be used exclusively for verification and request processing. We respond to verifiable requests within 45 days of the date we receive them. If an extension is necessary, we will notify you in writing within the initial 45-day period, identifying the reason and the duration of the extension, which shall not exceed 45 additional days.
If a request is denied in accordance with legal requirements and you would like to appeal, or if you have additional privacy-related inquiries, you may contact us using the information below. Depending on your jurisdiction, you may also have the right to raise concerns with a local privacy authority. Exercising your data rights will not result in discrimination.
Children’s Data
This website is intended for use only by individuals aged 18 years or older. We do not knowingly collect information from children under the age of 18. We will remove any personal information relating to an individual younger than 18 if we become aware that it has been submitted to us.
Protecting Personal Information
Our information security program includes technical, organizational, and physical security measures to protect personal information from exposure or harm. We have policies and procedures, employee training, and automated monitoring. We also audit our practices regularly to ensure consistency and adapt to evolving risks.
Data Storage Duration
The personal information we collect is retained for as long as required to fulfill the purposes set out in this policy, to meet applicable legal requirements, or to protect our legal interests. We do not retain personal information longer than necessary.
Changes to Our Policy
We reserve the right to update or change this policy at any time, without advance notice. The revised policy will apply from its “effective date.” You may wish to review this Privacy Policy occasionally to understand our collection, use, and sharing of personal information.
Personal Information Transferred To The U.S.
This website is based in the United States, and is intended for U.S.-based users. When you visit our website, you understand and acknowledge that your personal information will be processed in the United States, subject to applicable U.S. laws.
How to Reach Us
If you have any questions, please contact us at nadrwewilliams@credithelpguruonline.com or 691 S GREEN BAY RD, NEENAH, Wisconsin, 54956-3153, United States.