Credit Genius is an educational, AI-powered credit learning and insights app designed to help people understand, build, and manage credit more confidently. It provides tools, simulations, explanations, and interactive features to help users learn how credit works.
Credit Genius is not a lender, bank, credit bureau, or credit repair company.
Yes. Credit Genius offers free access to core features. Optional premium tools and advanced insights may be available through in-app purchases or subscriptions.
All prices are shown clearly before purchase and are processed through the Apple App Store or Google Play.
No. Credit Genius does not provide credit repair services and does not dispute items with credit bureaus on your behalf.
The app is designed to educate and guide users so users can make informed decisions about their credit.
Credit Genius does not guarantee credit score increases.
Credit outcomes depend on many factors, including payment history, utilization, account activity, and lender reporting practices. The app provides education, simulations, and insights, not guaranteed results.
No. Credit Genius is not a credit bureau and does not control or calculate credit scores.
If you choose to view credit reports or scores, that information is provided by third-party data providers and credit bureaus.
The AI assistant uses artificial intelligence to explain credit concepts, answer general questions, and provide educational insights based on available data.
AI-generated responses are for informational purposes only and should not be considered legal, financial, or professional advice.
We take data protection seriously and use reasonable technical and administrative safeguards to protect your information.
No system is completely secure, but we work to protect your data and only share it with trusted providers necessary to operate the Service.
No. Credit Genius does not sell your personal information.
Your data is only used to provide the Service and may be shared with trusted service providers or data partners you authorize.
Yes. You may request account deletion by contacting our support team.
Some data may be retained where required by law or for legitimate business purposes such as fraud prevention or compliance.
Credit scores and reports can vary depending on the credit bureau, the scoring model used, and update timing.
Credit Genius displays data as received from third-party providers and cannot control differences across platforms.
Simulations and forecasts are hypothetical and educational only.
They are designed to show possible outcomes based on general credit behavior, not to predict exact results.
All payments are handled by the Apple App Store or Google Play.
You can manage subscriptions, billing, and cancellations directly through your app store account. Refunds are subject to the app store’s policies.
Credit Genius supports compatible Android and iOS devices based on app store requirements. Availability may vary by device model and operating system version.
Some features may be limited or unavailable outside the United States, especially those involving credit report or bureau data.
No. Credit Genius provides educational and informational content only.
Nothing in the app should be considered legal, tax, investment, or financial advice.
If you have questions or need help, contact us at:
Email: admin@credit-genius.com
Website: https://credit-genius.com
You can review our policies here:
Terms of Use: https://credit-genius.com/terms-conditions
Privacy Policy: https://credit-genius.com/privacy-policy
