Who we are
The Credit Index operates the public website CreditIndex.org (the “Site”), including directories, calculators, and educational standards content. This policy explains how we handle information in connection with the Site. It is not legal advice.
Information we process
We may process technical data such as IP address, user agent, approximate region, referrer, pages viewed, and timestamps. If you email us, we process the contents of your message and metadata needed to respond.
Directory and firm profile pages may display information gathered from public sources or submitted by operators, including business names, locations, and links. You should assume such fields are visible to other visitors and search systems.
Cookies and analytics
We may use session and persistent cookies, local storage, and similar technologies to operate the Site, remember preferences, and measure performance. Where configured, we may use Microsoft Clarity or comparable tools to understand aggregate interaction patterns. When you activate certain outbound links, we may record a minimal first-party event (destination URL and placement labels) for product integrity and abuse detection. For Microsoft’s privacy statement, see Microsoft privacy statement.
How we use information
We use information to operate, secure, and improve the Site; respond to inquiries; and comply with law.
Sharing
We may share information with infrastructure and analytics vendors under contractual terms, when required by law, or to protect rights and safety. We do not sell personal information in the conventional sense of a data broker business model.
Retention
We retain information for as long as needed for the purposes above, including backups, audit trails, and legitimate business records, unless a shorter period is required by law.
Your choices
Depending on your jurisdiction, you may have rights to access, correct, delete, or restrict certain processing. Because legal rights vary by region, contact us with your request and jurisdiction so we can respond appropriately.
International visitors
The Site may be operated using service providers in multiple countries. If you visit from outside Canada, your information may be processed in Canada or other locations where we or our vendors operate.
Children
The Site is not directed to children under 13, and we do not knowingly collect personal information from them.
Changes
We may update this policy from time to time. Material changes will be reflected by updating the date above.
Contact
Questions about this policy: contact@creditindex.org.
Related: Terms of use.
Corporate notice
Certain public website and directory services for The Credit Index are coordinated with 1001547488 Ontario Inc., an Ontario corporation. This notice does not, by itself, create a professional engagement or agency relationship with visitors.
Registered office
Registered office address: 24 Wellesley Street West, Toronto, Ontario, Canada
Automated bulk extraction of the physical service address for unrelated commercial datasets is not invited. Regulators, counsel, and counterparties may request written confirmation via contact@creditindex.org.