Privacy Policy

Your privacy is important to Un Credito Mejor. The terms  Un Credito Mejor, “we”, “our”, and “us” throughout this document mean Un Credito Mejor. Please read our Privacy Policy carefully to understand how we collect, use, disclose, transfer, and store your information. By visiting our website or agreeing to content that includes a link to this document («Online Ads»), you agree to the practices described in this Privacy Policy and our Terms of Use. (Specific state privacy protections are listed in Section 13 of this Privacy Policy).

  1. Our Collection and Use of Personal Information

Personal Information includes information you provide us that can be used to uniquely identify or contact a single person, such as your name, address, email address, phone numbers and Social Security Number or Taxpayer Identification Number.

You may be asked to provide Personal Information when you interact with us, Online Ads, or one of our related companies, such as in connection with a completed or abandoned transaction or a request for information from us. Un Credito Mejor and its related companies and service providers may share your Personal Information with each other and use it consistent with this Privacy Policy.

We may supplement the Personal Information you provide with Personal Information available from other sources, such as credit bureaus, public databases, data aggregators, and other commercially-available sources.

  1. Examples of Personal Information and Sensitive Personal Information We Collect and How We Use It

You provide us a variety of Personal Information, including your name, mailing address, email address, phone number, and payment information. You provide us Sensitive Personal Information such as your Social Security Number or Taxpayer Identification Number. Throughout this document, Personal Information and Sensitive Personal Information will be referred to as Personal Information unless called out separately when required.

The Personal Information we collect allows us to verify your identity, deliver requested products and services, and provide you information. It also allows us to stay in contact with you, and to manage Un Credito Mejor’s relationship with you. By providing us with Personal Information, you consent to our storage of that information.

Text or SMS Notices

If you replied, “AGREE” to receive text or SMS notifications, you consented to receive recurring text messages that contain updates to your account and credit from Un Credito Mejor Law. Messages may be from an auto-dialing system. Message and data rates may apply. for help or email support at Participation is not required for the purchase of services. This program is supported by Alltel, AT&T, Boost, T-Mobile®, Verizon Wireless, VirginMobile, MetroPCS, and U.S. Cellular. Carriers are not liable for delayed or undelivered messages.


We also may use your Personal Information for research, development, and analysis, and for advertising, marketing, security, fraud prevention, and other business activities.

For example, we may use your email address to:

  • Confirm your identity;
  • Send you information on the status of your account or transaction;
  • Contact you if we need your assistance to complete a transaction; and
  • Send you newsletters and customer-related material as permitted by law.

We have a zero-tolerance policy for email abuse. If you receive unsolicited emails from us, please report it to us. We are not responsible for communications you may receive from non-affiliated third parties.

We will never ask you to provide Personal Information in an email. DO NOT RESPOND to an email that appears to be from us requesting Personal information.

  1. Our Collection and Use of Non-Personal Information

Non-Personal Information is information in a form that does not allow for direct association with a specific person. This information is compiled and analyzed on both a personal and an aggregated basis. We may collect, use, monitor, analyze, transfer, and disclose Non-Personal Information for any purpose.

  1. Examples of Non-Personal Information We Collect and How We Use It

We may collect and aggregate information regarding user access, activity and behavior on our website, such as when you visit the website and what content is of interest or seems to be most useful to you. If we combine Non-Personal Information with Personal Information, the combined information is treated as Personal Information for purposes of this Privacy Policy.

Non-Personal Information includes:

Device Information – We may collect specific information for the device you use to access our website. For example, we may collect device model, IP address, MAC address, operating system version, application software, fonts, and other device information and identifiers.

Cookies and Other Technologies – We use a variety of technologies to collect and store information when you visit our website. This technology may involve sending web beacons and cookies or anonymous identifiers to your device. Cookies are small text files placed on electronic devices that allow our website to remember your device and how you interacted with the website. We use Cookies and Other Technologies to recognize you when you log on, analyze your behavior when accessing our website, and to deliver ads to you that we believe relate to your interests.

Log Information and Session Replay Technology – When you visit our website, we collect certain information automatically and store it in log files. This information includes IP address, browser version, ISP data, referring and exit pages, operating system version, date/time stamps, cookie data, and clickstream data. We use Log Information and Session Replay Technology to administer the website, analyze trends, maintain site security, learn about user behavior, and improve the overall quality and availability of the site.

Web Beacons – Certain sections of our service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Click-Through URLs – In some email messages, we use a Click-Through URL to link to content on our website. When you click one of these URLs, you pass through a separate web server before reaching our site. We use Click-Through URLs to help us determine interest in a particular topic and to measure the effectiveness of our email communications.

Anonymized Information – If we separate Non-Personal Information from Personal Information, the resulting Anonymized Information is treated as Non-Personal Information for purposes of this Privacy Policy.

  1. Our Sharing of Information with Others

Personal Information

We do not share Personal Information with businesses or individuals outside of Un Credito Mejor, except under the following circumstances:

Consent – We will share your Personal Information with others outside of Un Credito Mejor when we have your consent to do so.

Service Providers – We provide Personal Information to related companies and other trusted businesses or persons who use, analyze, or process it on our behalf, based on our instructions and in compliance with appropriate confidentiality and security measures. For example, we may use others to:

  • deliver, evaluate the effectiveness of, and assist in improving our products and services;
  • conduct consumer research and satisfaction surveys;
  • assist us in analyzing and understanding consumers and how to reach them more effectively;
  • assist us in fraud prevention, with our security measures, and to provide us technical support;
  • provide client support;
  • manage client data, and to ensure data integrity and accuracy;
  • process financial transactions and perform accounting functions

Legal Reasons – We will share Personal Information with others outside of Un Credito Mejor if we have a good-faith belief that disclosure is necessary or appropriate to:

  • comply with applicable law, regulation, legal process or enforceable governmental request;
  • protect our operations or clients;
  • detect, investigate, or address fraud, security, or technical problems; or
  • investigate potential violations of and enforce applicable terms of service;

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. OPT IN CONSENT: By submitting your phone number, you are authorizing to send you text messages and notifications. Message/data rates apply. Reply STOP to unsubscribe to a message sent from us.