Privacy Policy

1. Who we are

Wise Money Credit ("we", "us", "our") is an independent financial services company with its principal office at 549 Jefferson Ave, Elizabeth, NJ 07201, USA. We provide lending, financial planning, tax advisory and insurance arrangement services to clients in the United States.

This Privacy Policy explains what personal information we collect through this website and through our services, why we collect it, how we protect it, and the choices available to you. It applies to visitors, enquirers and clients alike.

2. Information we collect

We collect information in three ways: information you give us, information generated when you use this website, and information provided by third parties such as credit bureaus or joint applicants.

Information you give us: name, email address, postal address, telephone number, date of birth, employment and income details, identification documents, details of your assets, liabilities and goals, and the content of any message you send us.
Information generated automatically: IP address, browser type, device type, pages visited, referring URLs and approximate location derived from your IP address.
Information from third parties: credit reports and scores from licensed bureaus, identity verification results, and information from co-applicants or professional advisers acting on your behalf.

We do not knowingly collect sensitive categories of personal information such as health data unless it is required to arrange a specific insurance product, in which case we collect it only with your explicit consent.

3. How we use your information

We use your information to respond to enquiries, assess applications, arrange and administer products, comply with legal and regulatory obligations, prevent fraud and financial crime, and improve the website and our services.

To contact you about an enquiry you have submitted, including by telephone, email or text message.
To carry out affordability and creditworthiness assessments and to verify your identity.
To administer an account, loan, mortgage, policy or advisory engagement.
To meet record-keeping, tax reporting and anti-money-laundering obligations.
To send you a newsletter you have subscribed to, which you may stop at any time.
To detect, investigate and prevent fraud, and to establish or defend legal claims.

Where you have given consent, you may withdraw it at any time. Withdrawal does not affect the lawfulness of processing carried out before withdrawal.

We share personal information only where it is necessary and lawful to do so.

With lenders, insurers and product providers in order to arrange the product you have requested.
With credit reference and fraud prevention agencies, which may record searches against your file.
With service providers who support our operations — for example IT hosting, secure document storage, communications and analytics — bound by confidentiality obligations.
With professional advisers, regulators, courts or law enforcement where required by law or to protect our legal rights.
With a successor organisation in the event of a merger, acquisition or sale of assets.

We do not sell your personal information, and we do not share it with unaffiliated companies for their own marketing purposes.

5. Cookies and similar technologies

This website uses cookies and local storage to keep the site working correctly, remember your preferences and understand how visitors use the pages so that we can improve them.

Essential cookies are required for navigation, form security and storing your cookie choice.
Analytics cookies help us understand aggregate visitor behaviour; these are optional.
Preference storage keeps details such as your newsletter state in your own browser.

You can control or delete cookies through your browser settings. Blocking essential cookies may affect how parts of the site function. Our forms also store a copy of your submission in your own browser's local storage so that you retain a record of what you sent us.

6. How long we keep information

We keep enquiry records for up to three years from last contact, and client records for the duration of the relationship plus a minimum of seven years to meet regulatory, tax and contractual requirements. Where a longer period is required by law, or where records are relevant to a legal claim, we retain them for that longer period.

When information is no longer required we delete it securely or irreversibly anonymise it.

7. How we protect your information

We use administrative, technical and physical safeguards appropriate to the sensitivity of the information we hold. These include encryption of data in transit, access controls limited to staff who need the information, secure document handling procedures, staff training and periodic review of our controls.

No system is perfectly secure. If a breach affecting your personal information occurs, we will notify you and the relevant authorities as required by applicable law.

8. Your rights and choices

Depending on where you live, you may have the right to access the personal information we hold about you, request correction of inaccuracies, request deletion, request restriction of processing, object to certain processing, and request portability of information you provided to us. You may also have the right not to be discriminated against for exercising these rights.

To exercise any of these rights, email contact@wisemoneycredit.com or write to us at our office address. We may need to verify your identity before acting on a request, and we will respond within the period required by applicable law. If we cannot fulfil a request, we will explain why.

You can opt out of marketing communications at any time using the unsubscribe link in any email, by visiting our Unsubscribe page, or by contacting us directly. You will still receive essential servicing communications about any product you hold.

9. Children's privacy

Our services are intended for adults aged 18 and over. We do not knowingly collect personal information from children. If you believe a child has provided information to us, please contact us and we will delete it promptly.

10. Third-party websites

This website may link to external sites that we do not control. We are not responsible for the privacy practices or content of those sites, and we encourage you to read their policies before providing personal information.

11. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in law, regulation or our practices. The revised version will be published on this page with a new effective date. Where changes are material, we will take reasonable steps to notify affected clients directly.

12. How to contact us

For any question or concern about this Privacy Policy or the way we handle your information, contact us:

Post: Wise Money Credit, 549 Jefferson Ave, Elizabeth, NJ 07201, USA
Telephone: +1 908-353-7443
Email: contact@wisemoneycredit.com

If you are not satisfied with our response, you may have the right to complain to your state attorney general's office or the relevant consumer protection authority.