Privacy Policy

Effective Immediately

This General Privacy Policy describes how Lithium or RAFT Labs Inc. and its affiliates (“Lithium,” “we,” “our,” or “us”) collect, use, and disclose your personal information through our website, applications, and related services (collectively, the “Lithium Services”). By accessing or using Lithium Services, you agree to this Privacy Policy.

If you have any questions or concerns, please contact us at support@lithiumcredit.com.

WHAT DOES THIS PRIVACY POLICY COVER?

This Privacy Policy covers how we handle personally identifiable information (“Personal Information”) we collect through Lithium Services. It also describes how we may share that information with third parties, including vendors, technology partners, and service providers (collectively, “Third Parties”), in order to operate and improve Lithium Services.

By using our services, you authorize Lithium to collect, use, and share your Personal Information and any derived insights, in accordance with this policy.

This Privacy Policy does not apply to Third Party Service Providers you choose to engage with independently. We encourage you to review their privacy policies directly.

WHAT INFORMATION DO WE COLLECT AND HOW DO WE USE IT?

The information we collect helps us personalize, improve, and deliver the Lithium Services. Below is a breakdown of what we collect and how it's used:

1. Contact Information

If you create an account or sign up for updates, we collect information such as your name, email address, phone number, and username. We use this to communicate with you, manage your account, and send important updates. You may unsubscribe from promotional emails at any time, although we may still contact you for critical account-related matters.

2. Financial Data via Plaid

We use Plaid to securely connect to your financial accounts. This allows us to access transaction-level data needed to power our credit card recommendation engine. Importantly:

  • We do not store raw transaction data.

  • We extract and store aggregated insights, such as your spending patterns and category preferences.

  • These insights, along with your quiz answers, are used to recommend the best credit cards tailored to your lifestyle.

You acknowledge and agree that your use of Plaid is subject to Plaid’s End User Privacy Policy.

3. Quiz Answers

Our quiz collects information about your lifestyle, financial preferences, and goals. We combine your quiz answers with Plaid-derived insights to recommend personalized credit card products that align with your profile.

4. Browser and Device Data

We and our service providers automatically collect device and browser information (e.g., IP address, cookies, interaction data) when you use our website. This helps us detect fraud, prevent abuse, and improve site performance.

HOW, AND WITH WHOM, IS MY INFORMATION SHARED?

We may share your information in the following limited circumstances:

1. For Everyday Business Operations

We share information as needed to:

  • Process your requests or transactions

  • Facilitate credit card recommendations

  • Maintain and secure your account

  • Comply with legal obligations and respond to lawful requests

2. With Third-Party Service Providers

We may share insights or limited data with trusted vendors (e.g., hosting, analytics, fraud detection) under strict contractual terms that require them to protect your data and use it only to support Lithium Services.

3. For Legal and Security Purposes

We may disclose information if we believe it is reasonably necessary to:

  • Comply with a law, regulation, or legal request

  • Enforce our Terms of Use

  • Detect or prevent fraud or security issues

  • Protect the rights and safety of Lithium, our users, or the public

4. With Your Consent

We may share your information for other purposes only if you give us explicit permission.

5. In the Event of a Business Transfer

If Lithium is acquired, merged, or undergoes a restructuring, user information may be transferred as part of that transaction, subject to the commitments in this Privacy Policy.

IS MY INFORMATION SECURE?

We take data security seriously and implement a combination of technical, administrative, and physical safeguards to protect your information. Access to personal data is restricted to authorized employees or contractors who need it to operate or improve the service.

Despite these efforts, no system can guarantee 100% security. You use the Lithium Services at your own risk.

WHAT CAN I ACCESS OR CONTROL?

As a registered user, you may:

  • View your account information by logging in

  • Contact us at support@lithiumcredit.com for data access or assistance

  • Delete cookies through your browser settings

HOW CAN I DELETE MY ACCOUNT?

You may delete your account by emailing support@lithiumcredit.com. We will verify your identity and complete your request. Deleting your account will prevent further access, but we may continue to retain certain anonymized insights and other data required by law or for internal purposes.

YOUR CHOICES

You may choose not to provide certain information, though doing so may limit access to some features. You can also:

  • Request deletion of your financial data

  • Opt out of marketing emails

  • Delete your account entirely

CHILDREN’S PRIVACY

Lithium Services are not intended for children under 13. We do not knowingly collect information from children. If we become aware of such data, we will delete the associated account and records.

CHANGES TO THIS PRIVACY POLICY

We may update this policy from time to time. If we make material changes, we’ll notify you via the Lithium Services or email. Your continued use of our services constitutes acceptance of any changes.

For more information or questions about this policy, please contact us at:
📧 support@lithiumcredit.com