Last updated: May 26 2025
Thank you for visiting Achoupe. This Privacy Policy explains how we collect, use, share, and protect your information when you access achoupe.com or use any of our content, tools, calculators, or services. By using the Site, you acknowledge that you have read and understood this Policy.
1. Scope
This Policy covers information collected:
- Directly from you – when you create an account, complete a form, request rate quotes, leave comments, join our newsletter, or communicate with us.
- Automatically – through cookies, pixels, log files, and analytics whenever you browse the Site.
- From third parties – such as credit-card issuers, lenders, data-enrichment vendors, advertising networks, or social-media platforms that interact with the Site.
It does not apply to websites or services that we do not own or control.
2. Information We Collect
- Identity & Contact Data: name, email address, postal address, phone number.
- Financial Profile Data: self-reported income range, credit score band, loan amount sought, preferred card features.
- Payment Data: last four digits of a card, billing ZIP/post code (processed by PCI-compliant providers; we never see full card numbers).
- Usage & Device Data: IP address, browser type, device identifiers, pages visited, links clicked, referring URL, time spent.
- Location Data: city/region inferred from IP or device settings.
- User-Generated Content: reviews, comments, forum posts, messages.
- Third-Party Attribution Data: ad-campaign IDs, social-media profile basics, or lead-source tags when you arrive via a partner link.
3. How We Use Your Information
- Provide, operate, and improve the Site.
- Match you with lenders, credit-card issuers, or other partners based on the criteria you supply.
- Process payments for premium tools or subscriptions.
- Personalize content, calculators, and rate suggestions.
- Send transactional emails, newsletters, and promotional messages you opt into.
- Perform analytics, product research, and A/B testing.
- Detect, investigate, and help prevent fraud, security breaches, and misuse.
- Comply with legal obligations or respond to lawful requests.
If we rely on consent (e.g., for marketing emails or cookies), you may withdraw it at any time without affecting processing already performed.
4. Cookies & Similar Technologies
We use first- and third-party cookies, web beacons, and local storage to:
- Remember your settings and keep you signed in.
- Measure Site traffic and performance.
- Tailor ads and track their effectiveness.
You can manage cookies in your browser or through our on-site preferences panel. Disabling cookies may limit certain features.
5. How We Share Information
We do not sell your personal information. We share it only:
- Service Providers – cloud hosts, analytics platforms, payment processors, email senders, and customer-support vendors bound by confidentiality obligations.
- Financial Partners – lenders, credit-card issuers, and comparison-engine partners so they can evaluate your eligibility or honor a rate request.
- Affiliates – companies under common ownership, for internal business purposes consistent with this Policy.
- Legal & Safety – when required by law or to protect the rights, property, or safety of Achoupe, our users, or the public.
- Business Transfers – in connection with a merger, acquisition, or sale of assets, subject to this Policy.
- With Your Consent – whenever you explicitly authorize us to do so.
6. Data Retention
We retain personal data only as long as necessary to fulfill the purposes described above, resolve disputes, enforce agreements, and meet legal requirements. Retention periods vary by data type and context.
7. Security
We employ administrative, technical, and physical safeguards designed to protect information against unauthorized access, loss, misuse, or alteration. No system is 100 % secure, so we cannot guarantee absolute protection.
8. Your Privacy Rights
Depending on your location, you may have rights to access, correct, delete, restrict, or object to processing of your personal data, and to receive a copy in portable form. California residents have additional CCPA/CPRA rights, and EU/UK residents may lodge a complaint with their supervisory authority.
To exercise any right, please submit a request via our contact page. We may verify your identity before processing.
9. Children’s Privacy
The Site is not directed to children under 13 (or under 16 in the EEA/UK). We do not knowingly collect personal data from minors. If we learn that we have done so, we will delete it promptly.
10. International Transfers
Achoupe is based in the United States. Your information may be transferred to and stored on servers in the U.S. or other countries with data-protection laws that differ from yours. Where required, we use recognized transfer mechanisms such as Standard Contractual Clauses.
11. Third-Party Links
The Site may include links to external sites or social-media plug-ins. We are not responsible for the privacy practices or content of those third parties. Review their policies before providing data.
12. Changes to This Privacy Policy
We may revise this Policy from time to time. Material changes will appear here with an updated “Last updated” date. Your continued use of the Site after a revision signifies acceptance of the updated Policy.
13. Contact Us
Questions, concerns, or requests? Reach us anytime through our contact page.
By using the Site, you acknowledge that you have read and understood this Privacy Policy and that your information will be processed as described above.