Privacy Policy

Last updated: October 2026

What we don't collect

CreditStreaks requires no account, no sign-up, and no email address to use. We do not operate a server that stores your account balances, interest rates, payment history, credit scores, or any other financial information you enter into the app. That data is written to your device's local storage (specifically, your browser's localStorage) and never transmitted anywhere.

What "local storage only" means in practice

• Uninstalling the app, clearing your browser's site data, or switching to a new device will permanently delete your data. We have no copy and cannot recover it.
• The app includes an "Export my data" option in Settings so you can save a personal backup file whenever you'd like one.
• If you use CreditStreaks on multiple devices, each device has its own separate, independent copy of your data. Nothing syncs between them.

Analytics and tracking

CreditStreaks does not currently use any third-party analytics, advertising, or tracking scripts. If this changes in the future, this policy will be updated to reflect it, and any such tool would be chosen and configured with the same local-first, no-personal-data-collection principle in mind.

App lock (PIN / Face ID / Touch ID)

If you choose to enable an app lock, your PIN is cryptographically hashed and stored only on your device. We never see the PIN itself. If you enable Face ID or Touch ID, that check happens entirely through your device's own operating system; CreditStreaks never receives or stores any biometric data.

Third-party services

To display fonts and run the app, the marketing site and the app load a few files from third parties: font files from Google Fonts (fonts.googleapis.com and fonts.gstatic.com) and the React code library from unpkg.com. Those services can see standard request information such as your IP address and browser type when your browser fetches those files. None of your financial data is ever sent to them, because it never leaves your device. We do not use these services for analytics or advertising.

The marketing site you're reading this on may be hosted by a third-party static hosting provider, which may log standard web server access information (such as IP address and browser type) as part of normal hosting operations. This is separate from the app itself and does not include any of your financial data, since that data never leaves your device.

Partner offers (not yet active)

CreditStreaks does not currently show any partner or affiliate offers, and no account data is shared with any third party. In the future, we may show clearly labeled partner offers (for example, balance transfer cards or debt consolidation loans) that are relevant to your account data as calculated locally on your device. If and when this launches, clicking a partner offer would take you to that partner's own website, which is outside CreditStreaks and subject to its own privacy policy. Nothing about your CreditStreaks accounts would be sent to them automatically just by seeing an offer on screen. We'll update this policy with specifics before any partner offer goes live, not after.

Children's privacy

CreditStreaks is not directed at children and is not intended for use by anyone under 18.

Changes to this policy

If this policy changes, we'll update the "last updated" date above. Since we don't collect an email address or any contact information, we have no way to notify you directly. Check back here periodically if you'd like to stay current.

Contact

Questions about this policy can be sent to hello@creditstreaks.com.

This policy is provided as a plain-language summary of how CreditStreaks actually works. It is not a substitute for formal legal advice, and if you're relying on it for compliance purposes, have it reviewed by a qualified attorney familiar with applicable privacy law in your jurisdiction.