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Privacy Policy

1. General

The website https://ilite-credit.com/ (the “Website”) respects the privacy of its users and is committed to protecting personal data in accordance with applicable laws, including the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA), where applicable.

This Privacy Policy explains how we collect, use, process, and protect personal data, as well as users’ rights regarding such data.

By using the Website, you agree to the terms of this Privacy Policy.

2. Data Controller

The entity operating the Website is the data controller responsible for processing personal data collected via the Website.

For any privacy-related inquiries, please contact us via the contact details provided below.

3. Information We Collect

3.1 Information Provided by Users

When users submit forms on the Website (e.g., contact forms, mortgage eligibility checks, financial consultation requests), we may collect:

  • Full name

  • Phone number

  • Email address

  • Financial and economic information (e.g., income range, liabilities, property-related data)

  • Any additional information voluntarily provided

This data is necessary to assess eligibility and provide financial-related services.

3.2 Automatically Collected Data

We may automatically collect certain technical data:

  • IP address

  • Browser type and version

  • Device type

  • Pages visited and interaction data

  • Time spent on the Website

4. Legal Basis for Processing (GDPR)

We process personal data based on one or more of the following legal grounds:

  • Consent – when users voluntarily submit their details

  • Contractual necessity – to provide requested services (e.g., mortgage consultation)

  • Legitimate interests – improving services, preventing fraud, and marketing (where allowed)

  • Legal obligation – when required by applicable laws

5. Purpose of Data Processing

We use the collected data for:

  • Contacting users and responding to inquiries

  • Providing mortgage-related and financial services

  • Performing initial eligibility checks for financial products

  • Matching users with relevant financial service providers

  • Improving Website functionality and user experience

  • Analytics and statistical analysis

  • Marketing communications (subject to consent where required)

6. Sharing of Personal Data

We may share personal data with third parties only when necessary, including:

  • Mortgage advisors, brokers, and financial institutions

  • Service providers (e.g., CRM systems, hosting providers, analytics tools)

  • Legal or regulatory authorities when required

We ensure that such third parties process data in accordance with applicable privacy laws and contractual safeguards.

We do not sell personal data in the traditional sense.

7. International Data Transfers

Where personal data is transferred outside of your jurisdiction (including outside the EEA), we ensure appropriate safeguards are in place, such as:

  • Standard Contractual Clauses (SCCs)

  • Transfers to countries deemed to provide adequate protection

8. Data Retention

We retain personal data only for as long as necessary for the purposes outlined in this policy, including:

  • Providing services and follow-ups

  • Legal, regulatory, and compliance requirements

  • Resolving disputes

In general:

  • Lead/contact data: retained for up to 3–5 years

  • Marketing data: until consent is withdrawn

9. Cookies and Tracking Technologies

The Website uses cookies and similar technologies for:

  • Essential functionality

  • Analytics and performance tracking

  • Marketing and advertising

Where required by law, we obtain user consent before placing non-essential cookies.

Users may manage cookie preferences via browser settings or cookie banners.

10. Data Security

We implement appropriate technical and organizational measures to protect personal data, including:

  • Secure servers

  • Access controls

  • Encryption where applicable

However, no method of transmission over the Internet is completely secure.

11. User Rights (GDPR)

Users have the right to:

  • Access their personal data

  • Request correction of inaccurate data

  • Request deletion (“Right to be forgotten”)

  • Restrict processing

  • Object to processing

  • Data portability

  • Withdraw consent at any time

Requests can be submitted via the contact details below.

12. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have the right to:

  • Know what personal data is collected about you

  • Request deletion of your personal data

  • Opt out of the sale or sharing of personal data

  • Non-discrimination for exercising your rights

To exercise these rights, please contact us.

13. Third-Party Links

The Website may include links to third-party websites.
We are not responsible for their privacy practices or content.

14. Children’s Privacy

The Website is not intended for individuals under the age of 18, and we do not knowingly collect data from minors.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.
The updated version will be posted on this page with a revised date.

16. Contact Us

For any privacy-related questions or requests:

Email:
info@ilite-credit.com