Privacy Policy

This Privacy Policy describes the information we collect, how we collect and use it, how we share it, and how we store and retain it. It also describes some choices and rights you may have over your personal information. This policy applies to account holders, business representatives, profile viewers and homeowners, individuals identified by a business as a license qualifier, and others whose information we collect through or in connection with our websites and services. By using our platform, you agree to this Privacy Policy. We refer to our websites and services as our “platform”.

This Privacy Policy is incorporated by reference into, and is a part of, our Terms of Use, which you can access here: Terms of Use.

Our services are intended for users in the United States.

Information we may collect

Personal Information

To use the products and services we make available on our platform from time to time (which we collectively refer to as our “services”), we may collect information that could personally identify you or that is linked, or is reasonably linkable, to you. We refer to this information as “personal information”. Examples of personal information we may collect include:

• first and last name,
• phone number,
• full mailing or business address,
• email address,
• communications and other information you provide to us,
• billing and transaction information,
• profile information that you don’t post in the publicly accessible pages of the platform,
• photographs, business logos, and other images submitted through the services that you don’t post in the publicly accessible pages of the Platform,
• documents submitted through the Services that contain personal information and that is not submitted for public viewing, including insurance documents, tax forms, and other credentials that are not otherwise available in publicly accessible resources,
• information relating to identity verification, credential review, license-qualifier confirmations, and document-access requests, and
• information we receive from public records and third parties in connection with the services.

We collect information directly from you when you create or use an account, submit information or documents, communicate with us, request document access, or provide a consent or authorization. We also receive information from businesses using the services, including information about their representatives and license qualifiers; public licensing and business-registry records used in our verification review; and our payment, identity-verification, and document-analysis providers. Certain information is collected automatically when you interact with the services, as described below.

Non-Personal Information

We may also collect information on or through our platform that does not, by itself, personally identify you or is not reasonably linkable to you. We identify this information as “non-personal information” in this Privacy Policy.

Non-personal information may include aggregated or de-identified information that does not identify or reasonably relate to an individual, as permitted by applicable law.

Examples of this information are your:

• age,
• gender,
• content you post on publicly accessible pages of the Platform (including pictures or videos),
• any information we collect from government, regulatory or other sources available to the general public,
• other demographic information, and
• information collected from your activities on the platform as described below.

Sensitive Information

If you provide us with sensitive information, including government identification numbers, tax identification numbers, or other sensitive information contained in documents you submit, we may use it for the purposes identified in this Privacy Policy and as permitted by applicable law. We treat sensitive information that has been anonymized as non-personal information. Information about identity verification and related biometric processing appears below and in the Verification Terms & Standards attached to our Terms of Use.

Other Information

We and our service providers use cookies and similar technologies, including browser storage and pixels, to authenticate users, secure sessions, remember choices and settings, operate features, administer referrals, and understand use of our services. We also use optional advertising technologies, but only with your consent. Related sharing is described under “Sharing Information with Third Parties,” and available choices are described under “Options and rights.”

We collect or process information about interactions with our services, including profile views, QR scans, account creation and setup activity, referral and campaign information, and related timing information. We and our service providers also collect or process technical information such as IP addresses, browser information, page addresses, and cookie or session identifiers. The information involved depends on the activity, feature, and applicable choices.

We record referral and campaign information to understand how people reach our services and to administer referrals and rewards. This may include referral codes, campaign labels, referring websites, landing pages, and relevant activity. When you create an account, we may associate this information with your account and treat it as personal information.

Stripe

We use Stripe for payment processing and identity verification. Stripe collects payment-card information directly when processing payments. We receive limited billing and transaction information, such as subscription information, billing contact information, partial card details, and customer or transaction identifiers.

For identity verification, Stripe collects government identification documents and verification selfies on its own pages and uses biometric technology to compare the selfie with the identification photograph. We receive verification status, related timing and error information, and, following successful verification, the verified first and last name. We may share the status or outcome of verification or authorization processes with users or businesses authorized to receive that information. We use this information to review identities and compare names with the relevant representative or license-qualifier information and public records, using automated comparisons and review by our personnel.

Through Stripe, we do not receive or store full payment-card numbers, government identification images, or verification selfies. The verified name returned by Stripe is used internally rather than published as verification information. Representative photographs submitted separately to us may be displayed publicly as described in this policy, but are not compared with Stripe’s identification images or verification selfies.

Stripe’s handling of information is also subject to its own terms, privacy practices, and consents. Our verification process is described in the Verification Terms & Standards attached to our Terms of Use. Verification-specific disclosures, consents, and authorizations are presented as part of that process.

How we may use this information

We will use personal information for the purposes explained in this privacy policy. We may use non-personal information for any of the purposes explained in this Privacy Policy, as well as for any other legitimate business purposes to the extent permitted by law.

To provide our services to you

We use personal information to provide our services and our platform, including to:

• provide you with customer support and respond to your requests.
• complete transactions performed on the platform.
• administer referrals, rewards, discounts or other offers.
• measure the effectiveness of our marketing and advertising and, where you have consented, show our ads to people who have visited our platform or services.
• communicate with you by email, or other means about our services, accounts, transactions, billing, and other matters related to our business.
• maintain records relating to our services, transactions, agreements, consents, authorizations, and other activities.

To improve our services

We use personal information to:

• conduct research and analysis in order to review, assess, improve or expand our services.
• Measure use of and engagement with our platform, services, and marketing efforts.
• prevent, detect and fight fraud or other illegal or unauthorized activities.
• address ongoing or alleged misuse or other improper activity involving our platform or services.
• protect the safety and security of our users, the public, and our platform or services.

To ensure legal compliance

We may use personal information to comply with legal requirements, respond to lawful requests, including from law enforcement, and enforce or exercise our rights.

Sharing Information with Third Parties

We only share personal information with third parties in the circumstances outlined in this section of our Privacy Policy.

Third party vendors and partners

We use third parties to help us operate and improve our services. These third parties may assist us with various tasks, such as data hosting and maintenance, data storage, authentication, communications, analytics, customer care, marketing, advertising, security operations and payment processing (as described above when we summarize our use of Stripe).

Our current service providers that process personal information on our behalf are Vercel (application hosting), Supabase (database, authentication, and storage), Cloudflare (encrypted off-site backup storage), Resend (transactional email), Google (business email for messages you send to us), Stripe (payment processing and identity verification), and OpenAI (automated reading of submitted credential documents to suggest information for our reviewers).

We may share personal information with service providers as reasonably necessary for them to provide services to us. We use automated document analysis to extract information from submitted credentials and assist our review. This involves providing submitted documents to those service providers.

Public profiles and sharing through our services

You share information you provide to us that is displayed on the publicly assessable portions of our platform, including information included on public profiles. We may share information or documents with other users when you request or authorize us to do so as part of the services, or if you use a feature designed to share that information. When you request access to a document, information you submit with that request may be shared with the business whose document you requested.

When required or allowed by law

We may share personal information with third parties to:

• comply with a legal process, such as when required by a court order, subpoena or search warrant, government / law enforcement investigation or other legal requirement;
• assist in the prevention or detection of crime or other unlawful activity (when allowed by law); or
• to protect the safety or security of any person, our platform, or our services.

To enforce legal rights

We may share personal information:

• if disclosure could mitigate our liability in an actual or threatened lawsuit;
• as necessary to protect our legal rights and the legal rights of our users, business partners or other interested parties;
• to enforce our agreements with you; or
• to investigate, prevent, or take other action regarding illegal activity, suspected fraud or other wrongdoing.

For corporate transactions

We may transfer your personal information to a successor to all or a portion of our business if we are involved in a merger, sale, acquisition, financing, divestiture, restructuring, reorganization, dissolution, bankruptcy or other change of ownership or control.

With your consent or at your request

We may ask for your consent to share your personal information with third parties in other circumstances.

Non-personal information and anonymized information

We may share non-personal information, or personal information that has been anonymized, with third parties to the extent allowed by law. This includes sharing such information

• under any of the circumstances described above, and
• for analytics, advertising, and business development purposes.

Options and rights

You have the following options and tools available to you:

• Personal information in your account. You may access, review, or update certain personal information that you provided to us and is associated with any account or profile you create.
• Cookie Preferences. You may manage your advertising cookie choices through the Cookie preferences available on our platform.
• Browser Controls. Most browsers allow you to block or delete cookies through your browser settings. Blocking certain cookies may affect the availability or operation of some features of the Services.
• Global Privacy Control. We honor Global Privacy Control signals when required by applicable law.

You may have the following rights under applicable law:

• Access. You may have the right to request a copy of the personal information we keep about you. To do so, please contact us as noted below.
• Delete/erase. You may request that we delete the personal information we keep about you, except for information we are legally allowed to keep. You can exercise this right to delete by submitting a request to us.
• Correct/rectify/update. You can correct personal information you provided to us by editing your profile directly in the service. If you believe the information we hold about you is inaccurate, you may contact us to confirm this and/or rectify it.
• Portability. You may have the right to request a portable copy of certain personal information we maintain about you.
• Opt Out. Where provided by applicable law, you may have the right to opt out of certain uses or disclosures of personal information, including targeted advertising or sharing for cross-context behavioral advertising.

To exercise an applicable privacy right, contact us at privacy@traidcred.com. We may take reasonable steps to verify your identity before acting on your request. We may deny or limit a privacy request where permitted by applicable law, including where we cannot reasonably verify the request or where applicable law permits or requires us to retain the information. If applicable law gives you the right to appeal our decision on a privacy request, you may submit an appeal by contacting us at privacy@traidcred.com.

How we protect and retain your information

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

We keep your personal information only as long as we need it for legitimate business purposes and as permitted by applicable law. This includes retention of information for tax, accounting, and legal requirements, for financial transaction records, for customer care records, to defend us in the event of a future claim, and when required by law or for outstanding or potential claims. We may also retain records as necessary to document agreements, consents, authorizations, verification activities, transactions, and the exercise or enforcement of legal rights.

Information deleted from our services may remain for a period of time in backup systems. In particular, backup copies of uploaded files may be retained in encrypted, private disaster-recovery backups after the live file has been deleted. These backup copies are not publicly accessible and are used for disaster recovery.

We may keep non-personal information as long as permitted by applicable law.

Third-party links

Our platform may contain links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personal information.

Children Under Eighteen

We do not knowingly collect personal information from children under the age of eighteen. If you are under the age of eighteen, you may not use our platform.

Changes to this Statement

We may change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, or by placing a prominent notice on our site.

How to contact us

If you need to send us any privacy requests or notices, or have questions about this Privacy Policy, here’s how you can reach us:

826 Expressway Ln, Unit #688, Spanish Fork, UT 84660

Email Address: legal@traidcred.com

privacy@traidcred.com

This Privacy Policy is effective as of October 23, 2026.