Effective Date: July 6, 2025
1. Introduction
Astravest LLC dba BestCreditChoices.com ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website BestCreditChoices.com (the "Site").
2. Information We Collect
2.1 Information You Provide Directly
- Contact information (name, email address, phone number)
- Demographic information (age, income range, location)
- Credit-related information you choose to share
- Survey responses and feedback
- Communications with our customer service team
2.2 Information Collected Automatically
- Log Data: IP address, browser type, operating system, referring URLs, pages viewed, and timestamps
- Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to enhance your experience
- Device Information: Device type, unique device identifiers, and mobile network information
- Usage Data: How you interact with our Site, including clicks, scrolling, and time spent on pages
2.3 Information from Third Parties
- Credit information from credit reporting agencies (with your consent)
- Information from our advertising partners and affiliates
- Social media information when you interact with our social media pages
3. How We Use Your Information
3.1 Service Provision
- Provide credit card comparisons and recommendations
- Customize content based on your preferences and profile
- Process and respond to your inquiries
- Send you relevant offers and information
3.2 Site Improvement
- Analyze usage patterns to improve our Site functionality
- Conduct research and analytics
- Test new features and services
- Monitor and prevent fraud and abuse
3.3 Marketing and Communications
- Send promotional emails and newsletters (with your consent)
- Display targeted advertisements
- Communicate about our services and updates
- Conduct surveys and market research
3.4 Legal and Business Operations
- Comply with legal obligations
- Protect our rights and property
- Enforce our Terms of Service
- Support business transactions (mergers, acquisitions)
4. How We Share Your Information
4.1 Financial Institution Partners
We may share your information with credit card issuers and financial institutions when you:
- Express interest in their products
- Click on their offers
- Apply for their credit cards through our Site
4.2 Service Providers
We share information with trusted third-party service providers who assist us with:
- Website hosting and maintenance
- Data analysis and customer insights
- Email marketing services
- Customer support
- Payment processing
4.3 Advertising Partners
We may share aggregated, non-personally identifiable information with advertising partners to improve ad targeting and measure campaign effectiveness.
4.4 Legal Requirements
We may disclose your information when required by law or to:
- Comply with legal processes or government requests
- Protect our rights, property, or safety
- Prevent fraud or security threats
- Enforce our agreements
4.5 Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity.
5. Data Security
We implement appropriate technical and organizational security measures to protect your information, including:
- Encryption of sensitive data in transit and at rest
- Regular security assessments and updates
- Access controls and authentication requirements
- Employee training on data protection
However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.
6. Your Privacy Rights
6.1 Access and Correction
You have the right to access and update your personal information. Contact us to request access or corrections.
6.2 Opt-Out Rights
You can opt out of:
- Marketing emails by clicking unsubscribe links or contacting us
- Certain cookies through your browser settings
- Targeted advertising through industry opt-out tools
6.3 California Privacy Rights (CCPA)
- Right to know what personal information is collected
- Right to delete personal information
- Right to opt-out of the sale of personal information
- Right to non-discrimination for exercising privacy rights
6.4 European Privacy Rights (GDPR)
- Right to access, rectify, or erase your data
- Right to restrict or object to processing
- Right to data portability
- Right to withdraw consent
7. Cookies and Tracking Technologies
7.1 Types of Cookies We Use
- Essential Cookies: Necessary for Site functionality
- Analytics Cookies: Help us understand Site usage
- Marketing Cookies: Enable personalized advertising
- Preference Cookies: Remember your settings and preferences
7.2 Managing Cookies
You can control cookies through your browser settings, but disabling certain cookies may affect Site functionality.
8. Third-Party Links
Our Site contains links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.
9. Children's Privacy
Our Site is not intended for children under 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will delete it promptly.
10. International Data Transfers
Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for such transfers.
11. Data Retention
We retain your personal information for as long as necessary to provide our services and comply with legal obligations. We will delete or anonymize your information when it's no longer needed.
12. Changes to This Privacy Policy
We may update this Privacy Policy periodically. We will notify you of significant changes by posting the new policy on our Site and updating the effective date. Your continued use of the Site after changes are posted constitutes acceptance of the updated policy.
13. Contact Us
If you have questions about this Privacy Policy or our privacy practices, please contact us:
Astravest LLC dba BestCreditChoices.com
2261 Market Street STE 85237
San Francisco, CA 94114
Email: info@bestcreditchoices.com
Subject Line: Privacy Policy Inquiry
For California residents exercising CCPA rights, please use the subject line "CCPA Request."
For European residents exercising GDPR rights, please use the subject line "GDPR Request."
Last Updated: July 6, 2025