Privacy Policy

1. Who We Are

Credit Pulse is an education-based cashback membership platform designed for Canadians. We provide access to financial education content, budgeting resources, credit education tools, membership materials, and eligible cashback benefits based on selected packages and completion of required steps.

Credit Pulse is not a lender, loan provider, credit card company, credit repair company, financial advisor, legal advisor, or financial product provider.

For more information please refer to our Terms of Service and Privacy Policy.

2. Information We Collect

When you use Credit Pulse, we may collect the following types of information:

• Personal Identification: Full name, email address, phone number, and mailing address provided during registration or checkout.
• Payment Information: Credit or debit card details processed through our secure third-party payment processor. We do not store full card numbers on our servers.
• Identity Verification Data: Documents or information provided to verify your identity as part of the cashback eligibility process.
• Usage Data: Information about how you interact with our website, including pages visited, time spent, clicks, and navigation paths.
• Device & Technical Data: IP address, browser type, operating system, device identifiers, and referral URLs collected automatically via cookies and server logs.
• Communications: Any messages, inquiries, or correspondence you submit through our contact form or support channels.

For more information please refer to our Terms of Service and Privacy Policy.

3. How We Use Your Information

We use the information we collect to:

• Process and fulfil your membership registration and package selection.
• Verify your identity and eligibility for cashback benefits.
• Process payments and manage billing.
• Deliver educational content, membership materials, and platform updates.
• Communicate with you about your account, orders, and support requests.
• Send promotional emails and offers (where you have consented).
• Analyze usage patterns to improve our website and services.
• Comply with legal obligations and enforce our Terms of Service.
• Detect, prevent, and address fraud or security issues.

For more information please refer to our Terms of Service and Privacy Policy.

4. Cashback & Verification

To process and fulfill cashback benefits, Credit Pulse may require identity verification. This may involve collecting a copy of a government-issued photo ID, proof of address, or other documentation as required to confirm eligibility and prevent fraudulent claims.

Verification documents are used solely for the purposes of confirming eligibility and are handled with strict confidentiality. They are not sold, rented, or shared with third parties except as required by law or to complete the verification process through authorized service providers.

Cashback amounts, eligibility conditions, timing, and results may vary. Completion of required educational steps is not a condition of cashback eligibility.

For more information please refer to our Terms of Service and Privacy Policy.

5. Payment Information

All payment transactions are processed through secure, PCI-DSS-compliant third-party payment processors. Credit Pulse does not store, transmit, or have access to your full credit or debit card number.

We retain limited payment-related data (such as the last four digits of your card, transaction IDs, and billing amounts) for the purposes of record-keeping, customer support, and dispute resolution.

For more information please refer to our Terms of Service and Privacy Policy.

6. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small text files stored on your device. We use them to:

• Remember your preferences and session state.
• Analyze traffic and usage patterns through analytics tools.
• Serve relevant content and improve site performance.

You may disable cookies through your browser settings, but doing so may affect the functionality of certain features on our website. By continuing to use our website, you consent to our use of cookies in accordance with this policy.

For more information please refer to our Terms of Service and Privacy Policy.

7. How We Share Your Information

Credit Pulse does not sell, rent, or trade your personal information to third parties. We may share your information only in the following limited circumstances:

• Service Providers: Trusted third-party vendors who assist us in operating our platform (payment processing, email delivery, identity verification, analytics, and SMS messaging service providers) under strict confidentiality obligations.
• Legal Requirements: When required by law, regulation, court order, or government authority.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, your data may be transferred as part of that transaction.
• Fraud Prevention: To detect, investigate, or prevent fraudulent or illegal activity.
• With Your Consent: When you opt in to SMS, we collect your mobile number, opt-in details, message history, and delivery status. This information is used only for transactional messages related to your account, subscription, cashback incentive, payments, verification, and service updates.

  Mobile information and SMS consent data will not be shared with third parties or affiliates for marketing. It may only be shared as needed to deliver messages.

  To opt out, reply STOP, QUIT, END, REVOKE, OPT OUT, CANCEL, UNSUBSCRIBE, or ARRET. For help, reply HELP or AIDE, or contact support@creditpulse.ca. Message and data rates may apply.

For more information please refer to our Terms of Service and Privacy Policy.

8. Email & Communication Preferences

By providing your email address, you consent to receive transactional emails related to your account and membership (order confirmations, payment receipts, account updates). These communications are necessary to deliver our services and cannot be opted out of while you maintain an active account.

With your separate consent, we may also send marketing emails, newsletters, or promotional offers. You may opt out of marketing communications at any time by clicking the "Unsubscribe" link in any marketing email or by contacting us directly. Opting out of marketing emails will not affect transactional communications.

You may opt out of receiving marketing or informational communications at any time by following the unsubscribe or opt-out instructions included in our messages.

Opting out of marketing communications does not affect essential service-related communications regarding your account or subscription.

By opting in to receive SMS messages from Credit Pulse, you consent to receive customer care messages. Messages are sent to recipients located in Canada only.

Message frequency: Message frequency may vary. On average, 1-2 messages per month.

Privacy Policy: https://www.creditpulse.ca/privacy-policy

Consent: Consent to receive SMS messages is not a condition of purchase.

For SMS communications, you may opt out at any time by replying STOP, QUIT, END, REVOKE, OPT OUT, CANCEL, UNSUBSCRIBE, or ARRET to any message. Opt-out requests received outside the SMS channel (such as by email to support@creditpulse.ca) will also be honored.

For more information please refer to our Terms of Service and Privacy Policy.

9. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include SSL/TLS encryption for data in transit, access controls, and secure server infrastructure.

However, no method of electronic transmission or storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. In the event of a data breach that affects your rights and freedoms, we will notify you as required by applicable law.

For more information please refer to our Terms of Service and Privacy Policy.

10. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, maintain your active membership, comply with legal obligations, resolve disputes, and enforce our agreements.

When your account is closed or your data is no longer required, we will securely delete or anonymize it in accordance with applicable privacy laws and our internal data retention schedules.

For more information please refer to our Terms of Service and Privacy Policy.

Consumer Data Use and Sharing

We do not transfer or share consumer data, including mobile numbers and SMS consent data, with external organizations except when strictly necessary to deliver our services or comply with legal obligations. This data is not used for marketing or any unrelated purposes, even when consent was given for other communications.

Limited Circumstances Where Sharing Is Permitted

• With essential contracted service providers bound by confidentiality obligations.
• When required by law, regulation, legal process, or government request.

Outside these cases, data won't be shared externally.

For more information please refer to our Terms of Service and Privacy Policy.

11. Your Privacy Rights

Depending on your province of residence, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request that we correct inaccurate or incomplete personal information.
• Deletion: Request that we delete your personal information, subject to legal retention requirements.
• Withdrawal of Consent: Withdraw consent for the processing of your personal information at any time, where processing is based on consent.
• Data Portability: Request your personal information in a structured, commonly used format where technically feasible.

To exercise any of these rights, please contact us at the details listed in Section 16. We will respond to your request within the timeframes required by applicable law.

For more information please refer to our Terms of Service and Privacy Policy.

12. Third-Party Links

Our website may contain links to third-party websites, tools, or resources that are not operated by Credit Pulse. We are not responsible for the privacy practices or content of those third-party sites. We encourage you to review the privacy policy of every website you visit. This Privacy Policy applies solely to information collected by Credit Pulse.

For more information please refer to our Terms of Service and Privacy Policy.

13. Children's Privacy

Credit Pulse is intended for adults aged 18 years or older. We do not knowingly collect personal information from individuals under the age of 18. If you believe that a minor has provided us with personal information, please contact us immediately and we will take steps to delete that information.

For more information please refer to our Terms of Service and Privacy Policy.

14. No Financial Services

Credit Pulse is an education-based membership platform only. Nothing on our website or in our membership materials constitutes financial advice, investment advice, credit counselling, debt management, legal advice, or any regulated financial service. The cashback benefits offered through our platform are a membership benefit and are not a financial product or investment return.

You should consult a licensed financial professional before making any significant financial decision.

For more information please refer to our Terms of Service and Privacy Policy.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last Updated" date at the top of this page and, where appropriate, notify you by email.

Your continued use of our website and services after any changes to this Privacy Policy constitutes your acceptance of the revised policy. We encourage you to review this page periodically.

For more information please refer to our Terms of Service and Privacy Policy.

16. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us:

• Email: privacy@creditpulse.ca
• Mailing Address: Credit Pulse, Canada
• Contact Form: Visit our Contact page

We will respond to all privacy-related inquiries within 30 days.

For more information please refer to our Terms of Service and Privacy Policy.