Credit Sesame is a free credit-score and credit-monitoring app operated by Credit Sesame, Inc., a private company headquartered in Mountain View, California, that pulls credit data from TransUnion and monetizes primarily by matching users with third-party financial products and services (loans, cards, offers). Its privacy policy discloses collection of Social Security number, financial and profile information directly from users plus automatic device/usage data, and a CCPA notice states the company does not sell or rent personal information and does not share it with third parties outside its control except as described in the policy. The site nonetheless runs third-party advertising and analytics cookies for interest-based advertising and does not honor Do Not Track signals, while its iOS App Store privacy label discloses only 'Data Not Linked to You' categories (Identifiers, Usage Data, Diagnostics) with no 'Data Used to Track You' declaration. No independent audit, transparency report, breach notice or regulator action was found in this research; the policy's only security statement is a generic SSL/industry-standard-practices assurance.
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Credit Sesame's privacy policy states that when users provide information directly, the company collects identification numbers including Social Security number, passport number and medical card number, plus financial information such as credit card and banking information, alongside profile data (date of birth, gender, marital status, household and employment information, income) and automatically collected device/usage data.
Credit Sesame's privacy policy identifies the operating entity as Credit Sesame, headquartered at 800 W. El Camino Real, Ste 180, Mountain View, CA, with a named privacy contact email; the company's site footer separately discloses that its underlying credit data is provided by TransUnion.
Credit Sesame's CCPA-facing California privacy notice states under the heading 'We do not sell your personal information' that the company does not sell or rent personal information to third parties and does not share personal information with third parties outside its ownership or control, except as described in its Privacy Policy (service providers, legal process, business transfers).
Credit Sesame's privacy policy states that by opening an account, users instruct the credit bureau to share their personal financial information with Credit Sesame both to fulfill the free credit-score request and to match the user with financial products and services — the core mechanism of the company's marketing-offer monetization model.
Credit Sesame's privacy policy states a general security commitment — encrypting sensitive submissions (e.g. credit card numbers) via SSL and following 'generally accepted industry standards' to protect personal information — but acknowledges no method of internet transmission or electronic storage is 100% secure; no independent audit, transparency report or named-firm assessment was found.
The Credit Sesame iOS App Store privacy label discloses only a 'Data Not Linked to You' category (Identifiers, Usage Data, Diagnostics) with no 'Data Linked to You' or 'Data Used to Track You' category declared, and the listing separately discloses that the app 'Contains Advertising'.
Credit Sesame's privacy policy discloses that third-party advertisers, ad networks, content providers and application providers may serve content on its website and use cookies, alone or with web beacons, to collect information for interest-based (behavioral) advertising, and that the company does not respond to browser 'Do Not Track' signals.