WiseIQ ("we," "us," or "our") operates the website wiseiq.net and the WiseIQ mobile application. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our services. By using WiseIQ, you agree to the practices described in this policy.
1. Information We Collect
We collect the following types of information:
- Information you provide voluntarily: When you use our credit score quiz or financial profile tool, you may enter your estimated credit score range, income range, and financial goals. This information is used solely to show you relevant financial product recommendations and is processed locally on your device — it is not transmitted to our servers.
- Email address: If you subscribe to our newsletter or enter your email to receive your quiz results, we collect your email address. You may unsubscribe at any time by clicking the unsubscribe link in any email we send.
- Usage data (via Google Analytics 4): We use Google Analytics 4 to analyze website traffic. Google Analytics collects data including your IP address (anonymized), browser type, device type, pages visited, time on site, and session duration. This data is processed by Google LLC in accordance with Google's Privacy Policy. You can opt out of Google Analytics tracking using the Google Analytics Opt-out Browser Add-on.
- Contact information: If you contact us via email at wiseiq.official@gmail.com, we retain your email address and message content to respond to your inquiry.
2. How We Use Your Information
- To provide personalized financial product recommendations based on your stated credit profile
- To send you financial tips, rate alerts, and product updates (email subscribers only — you may unsubscribe at any time)
- To improve the accuracy and relevance of our matching algorithm
- To respond to customer support inquiries
- To analyze usage patterns and improve the website experience via Google Analytics 4
3. Affiliate Relationships, Third-Party Links & Tracking
WiseIQ partners with financial institutions and affiliate networks including Impact.com and FlexOffers. When you click an "Apply Now," "Check My Rate," or similar button on our website, you are directed to a third-party financial institution's website where that institution will collect your personal and financial information directly. WiseIQ does not receive or process the information you submit to third-party institutions. Please review each institution's privacy policy before submitting an application.
Affiliate tracking cookies: When you click on affiliate links on our website, our affiliate network partners (including Impact.com and FlexOffers) may set cookies on your device to track whether you complete an application or account opening. This tracking is used solely for commission attribution purposes and does not involve the sale of your personal data.
We may receive a commission if you complete an application or open an account through our links. This does not affect the price you pay or the terms offered to you by the financial institution.
4. Data Storage & Retention
Information entered into our quiz or financial profile tool is processed locally on your device and is not stored on our servers. We do not maintain a database of user financial profiles.
Email addresses collected through our subscription forms are retained in our email marketing platform (Mailchimp) until you unsubscribe. We review our subscriber lists annually and remove inactive subscribers. To request deletion of your email address, contact us at wiseiq.official@gmail.com or click the unsubscribe link in any email.
Google Analytics data is retained by Google for 14 months by default, after which it is automatically deleted from Google's servers.
5. Cookies & Tracking Technologies
We use the following types of cookies and tracking technologies on our website:
- Analytics cookies (Google Analytics 4): These cookies collect information about how visitors use our website, such as which pages are visited most often. This data is used to improve the website. These cookies are not strictly necessary for the website to function.
- Affiliate tracking cookies (Impact.com, FlexOffers): These cookies are set when you click on affiliate links and are used solely to attribute commissions to our affiliate partnerships. They do not collect personal financial information.
- Functional cookies: Strictly necessary cookies that enable core website functionality such as navigation and session management.
You may disable non-essential cookies in your browser settings. Disabling cookies will not prevent you from using the website but may affect the accuracy of product recommendations. You can also opt out of Google Analytics tracking using the Google Analytics Opt-out Browser Add-on.
6. Data Sharing
We do not sell your personal information to third parties. We do not share your personal information with third parties for their own marketing purposes. We may share information in the following limited circumstances:
- Email marketing platform: Your email address is stored with Mailchimp (The Rocket Science Group LLC) for the purpose of sending you newsletters and rate alerts. Mailchimp's privacy practices are governed by their Privacy Policy.
- Analytics providers: Anonymized usage data is shared with Google LLC via Google Analytics 4 as described above.
- Legal requirements: We may disclose information if required by law, court order, or governmental authority.
7. Data Security
We implement industry-standard security measures to protect any information transmitted through our website. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.
8. Children's Privacy
WiseIQ is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us at wiseiq.official@gmail.com.
9. Your Rights — All Users
You have the following rights regarding your personal information:
- Right to access: You may request a copy of the personal information we hold about you.
- Right to deletion: You may request deletion of your personal information (e.g., your email address from our mailing list).
- Right to opt out of marketing: You may unsubscribe from marketing emails at any time by clicking the unsubscribe link in any email or by contacting us at wiseiq.official@gmail.com.
To exercise any of these rights, contact us at wiseiq.official@gmail.com.
10. Additional Rights for California Residents (CCPA/CPRA)
If you are a California resident, you have the following additional rights under the California Consumer Privacy Act (Cal. Civ. Code § 1798.100 et seq.) as amended by the California Privacy Rights Act:
- Right to know: You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources from which we collected it, the business or commercial purpose for collecting it, and the categories of third parties with whom we share it.
- Right to delete: You have the right to request that we delete personal information we have collected from you, subject to certain exceptions.
- Right to correct: You have the right to request that we correct inaccurate personal information we maintain about you.
- Right to opt out of sale or sharing: WiseIQ does not sell or share your personal information with third parties for cross-context behavioral advertising. No opt-out is required, but you may contact us to confirm this.
- Right to non-discrimination: We will not discriminate against you for exercising any of your CCPA/CPRA rights.
To submit a CCPA/CPRA request, contact us at wiseiq.official@gmail.com with the subject line "California Privacy Request." We will respond within 45 days as required by law.
11. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will notify you of significant changes by updating the "Last updated" date at the top of this page. Your continued use of the website after any changes constitutes your acceptance of the updated policy.
12. Contact Us
If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at:
WiseIQ, LLC
Email: wiseiq.official@gmail.com
Website: wiseiq.net
Mail: 30 N Gould St, Ste N, Sheridan, WY 82801