Privacy Policy
Last updated: July 22, 2026
This Privacy Policy describes how Joy Credit Software LLC, doing business as Credit Joy ("Credit Joy", "we", "us"), collects, uses, and protects information you provide through this website and when you communicate with us by phone, email, or text message.
Information We Collect
When you request a callback or sign up for our services, we collect the information you provide, such as your name, email address, phone number, and the contents of your message. We also automatically collect standard technical information such as browser type, pages visited, and referring pages, which we use in aggregate to understand how visitors use our site.
How We Use Your Information
We use the information you provide to respond to your inquiry, schedule your consultation, deliver and improve our services, and communicate with you about your account. By submitting your contact information, you consent to being contacted by Credit Joy by phone, email, and — if you have opted in — text message.
SMS / Text Messaging and Mobile Information
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties, excluding aggregators and providers of the text message services solely for the purpose of delivering messages to you.
If you have opted in to receive text messages from Credit Joy, we will use your mobile number to send transactional and customer-care messages, such as appointment reminders and account or service notifications. Message frequency varies. Message and data rates may apply.
You can opt out at any time by replying STOP to any message from us. For assistance, reply HELP or call us at (844) 903-0801. See our Terms of Service for the full SMS program terms.
Sharing of Information
We do not sell your personal information. We share personal information only with service providers who process it on our behalf (for example, telecommunications and payment providers), and only to the extent needed to deliver our services to you.
Cookies and Tracking
Our website may use cookies and similar technologies to keep the site working properly and to understand aggregate traffic patterns. We do not use cookies to individually identify visitors who have not signed up for our services.
Security
We use commercially reasonable administrative, technical, and physical safeguards designed to protect the information you provide to us.
Public Safety and Legal Process
We may disclose personal information when required to do so by law, subpoena, or court order, or when we believe disclosure is necessary to protect public safety or the rights and property of Credit Joy or others.
Changes to This Policy
We may update this Privacy Policy from time to time. The "Last updated" date above reflects the most recent revision. Continued use of the site after changes take effect constitutes acceptance of the revised policy.
Contact Us
If you have questions about this Privacy Policy, call us at (844) 903-0801.