Privacy Policy for Smart Credit Today
Last Updated: February 24, 2026
At Smart Credit Today, accessible from https://smartcredittoday.com, your privacy is our top priority. This Privacy Policy document outlines the types of personal information we collect and record and how we use it. We operate in full compliance with the General Data Protection Law (LGPD – Brazil), the General Data Protection Regulation (GDPR – EU), the California Consumer Privacy Act (CCPA), and the NY SHIELD Act.
1. Data Controller Identification
Smart Credit Today is an educational platform dedicated to financial literacy and credit education. The website is owned and operated by Ascenderes, a professional services company based in São Paulo, Brazil. Our mission is to provide pedagogical resources and market insights to help users confidently navigate the American financial landscape. Contact Email: contact@smartcredittoday.com
2. Information We Collect and Its Purpose
- 2.1. Personal Data: We collect your name, email address, and phone number when you voluntarily complete our forms.
- Purpose: To provide customer support, answer inquiries, and—with your explicit consent—send marketing communications, financial tips, and product offers via email or SMS.
- 2.2. Usage Data (Log Files): We follow a standard procedure of using log files. The information collected includes IP addresses, browser type, Internet Service Provider (ISP), date/time stamp, and referring/exit pages.
- Purpose: To analyze trends, administer the site, and track user movement to improve the experience. This data is not linked to personally identifiable information.
3. Cookies and Tracking Technologies
Smart Credit Today uses ‘cookies’, ‘pixels’, and ‘web beacons’. These are used to store visitors’ preferences and optimize the user experience by customizing our web page content.
- Google DoubleClick DART Cookie: Google, as a third-party vendor, uses DART cookies to serve ads based on visits to our site. You may decline the use of DART cookies by visiting the Google Ad Network Privacy Policy.
4. Affiliate & Advertising Disclosure (FTC Compliance)
Smart Credit Today is an independent professional website. We may receive compensation from the companies whose products or services we review or link to. This compensation may impact how and where products appear on this site. Our content is for educational purposes and does not constitute formal financial advice.
5. Data Sharing and Third Parties
We do not sell, rent, or lease your personal data to third parties for profit. Sharing occurs only with:
- Service Providers: Telecom and marketing companies responsible solely for sending the SMS/email communications requested by us.
- Legal Obligations: When required by law or court order to protect our rights or property.
6. Your Rights (CCPA / GDPR / LGPD)
Depending on your location, you have the right to request:
- Confirmation of data processing;
- Access to and correction of incomplete or incorrect data;
- Anonymization or deletion of data;
- Opt-out of data sale (California – CCPA): Although we do not sell data, you may explicitly request that your data remains private.
- Revocation of consent at any time.
7. Children’s Privacy
Our platform is not intended for persons under the age of 18. We do not knowingly collect personal data from minors. If we detect such data, it will be deleted immediately.
8. Consent
By using our website, you hereby consent to our Privacy Policy and agree to its Terms and Conditions.