How does Credit Genie work?

Credit Genie is a personal finance app designed to help our users with personal Cash Boosts when they need them and provide tools to break the cycle of borrowing. We provide insights into our users' spending habits to help them stay on top of their finances.

How much does the Credit Genie app cost?

The Credit Genie app includes interest-free Cash Boosts to help bridge you till your next payday. There is a recurring fee for maintaining your bank account connection with our app.

Who can use the Credit Genie app?

US residents 18 years and older can use our app.

What do you do with my information?

The information provided when you sign up for a Credit Genie account is used to verify your identity. You can read more about it in our privacy policy.

U.S. Consumer Privacy Notice

FACTS	WHAT DOES CREDITLY d/b/a CREDIT GENIE DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security Number and checking account information Account balances and transaction history Income and payment history When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Creditly chooses to share; and whether you can limit this sharing.

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION	DOES CREDITLY SHARE?	CAN YOU LIMIT THIS SHARING?
For our everyday business purposes –– as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes –– to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates' everyday business purposes -- information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes -- information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For non–affiliates to market to you	No	We don't share

Questions? Go to support.creditgenie.com

WHO WE ARE
Who is providing this notice?	Creditly Corporation d/b/a Credit Genie ("Creditly")

WHAT WE DO
How does Creditly protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Creditly collect my personal information?	We collect your personal information, for example, when you: Open an account or give us your income information Provide employment information or provide account information Give us your contact information We also collect your personal information from others, such as credit bureaus, verification services, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only: sharing for affiliates' everyday business purposes — information about your creditworthiness affiliates from using your information to market to you sharing for non–affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account — unless you tell us otherwise.

DEFINITIONS
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Creditly has no affiliates.
Non–affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Creditly does not share with nonaffiliates so they can market to you.
Joint marketing	A formal agreement between non–affiliated financial companies that together market financial products or services to you. Creditly's joint marketing partners may include banks and other financial services companies.

Other important information

California Customers: We will not share your personal information with affiliates or joint marketing partners without providing an opportunity to opt-out and will not share your personal information with nonaffiliates except as permitted by law, including with your authorization or to service your account.
Vermont Customers: We will not share personal information with nonaffiliates except as permitted by law, including without your authorization or to service your account.