Middle Credit Score®

Middle Credit Score® Privacy Policy

Effective Date: October 2025

This Privacy Policy explains how Middle Credit Score® LLC (“Middle Credit Score,” “we,” “us,” or “our”) collects, uses, stores, and protects information when you access or interact with the website located at https://MiddleCreditScore.com (“the Site”). Middle Credit Score® operates as an informational and educational resource and is part of the Browse Lenders® ecosystem.

By using this Site, you acknowledge and agree to the data practices described in this Privacy Policy.

1. Our Legal Position (Educational Resource Only)

Middle Credit Score® LLC is not a lender, credit repair company, credit counseling agency, financial institution, financial advisor, or legal advisor, and does not provide individualized credit services.

We do not collect or process information that would constitute a loan application, credit application, or credit repair request.

The Site provides general information for educational purposes only and is not intended to be relied upon as financial, legal, or credit advice.

2. Information We Do Not Collect (Explicit Disclosure)

To ensure full legal clarity, Middle Credit Score® does not collect or request any of the following:

❌ Social Security Numbers (SSN)
❌ Credit bureau reports or files
❌ Account histories or creditor details
❌ Income, asset, or employment documentation
❌ Bank or credit card numbers
❌ Loan qualification data
❌ Proof of identity or supporting financial records

We do not access your credit profile and cannot view or modify your personal credit information.

3. Information We May Collect (General Contact-Only)

We may collect limited and voluntary contact information that you choose to submit, such as:

✅ Name
✅ Email address
✅ General (non-financial) messages or inquiries

This information is used solely to respond to general inquiries or deliver educational content.

We do not use this information to evaluate eligibility for credit, financial products, or lending decisions.

4. Automatically Collected Technical Information

Like most websites, we may collect standard technical data automatically, such as:

This data is aggregated and used strictly for website performance, security, and usage analytics. It does not identify you as an individual.

5. How We Use Limited Contact Information

If you voluntarily provide contact information, we may use it to:

We do not use contact information to create consumer profiles or determine credit eligibility.

6. No Sale or Sharing of Personal Financial Data

Middle Credit Score® LLC does not sell, trade, lease, transmit, or share consumer financial data because none is collected.

If a user requests assistance from a lender or third party, any communication or relationship formed occurs outside of Middle Credit Score®, by the user’s independent choice.

7. Educational Content Only / No Reliance

All information on this Site is provided “AS IS” for educational purposes only.
We make no warranty regarding accuracy, timeliness, or results.

Use of the Site does not create a client-service, fiduciary, advisory, or financial relationship of any kind.

You agree that:

8. Data Security

Although we collect minimal information, we still take reasonable administrative and technical safeguards to protect any basic contact information submitted. Because we do not collect sensitive financial or identity data, the risk surface is intentionally minimized.

9. Children’s Privacy

This Site is not intended for individuals under the age of 18.
We do not knowingly collect personal information from minors.
If you believe a minor has submitted information, contact us at the email below and it will be removed.

10. Governing Law & Dispute Resolution

This Privacy Policy is governed by the laws of the State of Arizona.
Consistent with our Terms of Service:

✅ All disputes must be resolved through binding arbitration in Maricopa County, Arizona.
✅ No lawsuits, jury trials, or class actions are permitted.

11. Updates to This Policy

We may modify or update this Privacy Policy from time to time. Changes will be effective upon posting to the Site. Continued use constitutes acceptance of the updated policy.

12. Contact Information

For privacy-related questions, please contact:

Middle Credit Score® LLC
2487 S. Gilbert Rd.
Suite 236
Gilbert, AZ 85295
United States
Email: info@MiddleCreditScore.com

By using Middle Credit Score® services, you acknowledge that you have read, understood, and agree to this Privacy Policy. You also agree to release Middle Credit Score® from any liability related to the services provided and acknowledge that the responsibility for your credit decisions and outcomes rests solely with you.