Privacy Policy

Effective date: October 4, 2026

This Privacy Policy explains how LotusBloom LLC (“LotusBloom,” “we,” “us,” or “our”) collects, uses, and protects information in connection with the Credit Hub mobile application and this website, credithubapp.com. By using Credit Hub or this site, you agree to the practices described here.

Who we are

Credit Hub is a product of LotusBloom LLC, a California limited liability company. We are the entity responsible for the information described in this policy.

• LotusBloom LLC
• 1520 E Covell Blvd Ste B5-472, Davis, CA 95616, USA
• Email: admin@lotusbloomllc.com
• Phone: 707-892-0682

This policy covers Credit Hub specifically. LotusBloom’s company-wide privacy policy is published at lotusbloomllc.com/legal/privacy.

Information stored on your device

Credit Hub is built to work without an account. The cards, balances, limits, receipts and calendar entries you add in guest mode are stored only on your device and never reach our servers. Face ID, Touch ID, or your device passcode can be required before the app opens; that check is performed entirely on device by Apple’s operating system, and LotusBloom never receives, stores, or has any access to biometric data.

Information we collect when you create an account

If you choose to create an account, we collect the email address and password you provide. Passwords are stored only as secure one-way hashes. Account data that you choose to sync — such as the accounts you track and your premium entitlement status — is stored on our servers so it is available across your devices. You can export all of your data, or permanently delete your account and all associated data, at any time from within the app.

You can also create an account or sign in with Sign in with Apple or Google. When you do, we receive only your name and email address (or, if you choose Apple’s “Hide My Email”, a private relay address that forwards to you) and a unique account identifier from Apple or Google. We use these only to create and sign in to your Credit Hub account. We do not receive your Apple or Google password, and we do not access your contacts, files, calendar, or any other Google or Apple data. Information received from Google is used in accordance with the Google API Services User Data Policy, including its Limited Use requirements. You can revoke Credit Hub’s access at any time from your Apple ID or Google Account settings.

Product updates (optional)

When you create an account or sign in, you can tick “Send me Credit Hub tips and updates.” The box is checked by default, and you can untick it before signing in. If it stays checked, we add your email address to our updates list, which is hosted by our email provider, Resend, and occasionally email you about new features and tips. We never sell or share the list. Every email has an unsubscribe link, and you can also ask to be removed by contacting us. If you untick the box, your sign-in email is used only for your account.

Financial account connections (Plaid)

If you choose to connect a financial institution, we use Plaid Inc. to link your accounts. You authenticate directly with your financial institution through Plaid — your bank username and password are never seen, transmitted through, or stored by LotusBloom.

Through Plaid we receive read-only account information such as balances, credit limits, statement dates, payment due dates, and interest rates, which we use solely to populate and keep your dashboard current. We do not initiate payments or transfers. Plaid access tokens are encrypted at rest with AES-256-GCM. You can disconnect a linked institution at any time, which deletes the stored access token and stops all further data retrieval; deleting your account removes all linked financial data. Information you provide to Plaid is governed by the Plaid End User Privacy Policy.

Device features

Each of the following is optional and controlled by you:

• Push notifications. If you allow notifications, we store an Apple-issued device token (a random identifier — not your location or contacts) solely to send payment-due reminders. Declining or revoking permission in iOS Settings stops them immediately and removes the token from active use.
• Camera and photos. The receipts feature can use your camera or photo library only when you choose to attach a receipt. Those images are used for no other purpose.
• Location. Credit Hub does not request or use your location.

Purchases

Credit Hub is free to download. Credit Hub Premium is an auto-renewing subscription sold through the Apple App Store. All purchases are processed by Apple through StoreKit — your payment and card details never touch LotusBloom systems. We receive only the fact that a valid subscription exists, which we verify directly with Apple in order to unlock premium features. Subscriptions renew automatically until canceled; you can manage or cancel them in your App Store account settings.

This website

• Email list. If you submit your email address on credithubapp.com, that address and the form it came from are stored in our mailing list, which is hosted by Resend, and we receive a notification of the signup. We use it only to tell you when Credit Hub updates land. You can unsubscribe from any message we send.
• Advertising measurement. This website uses the Meta pixel so we can measure the performance of our own advertising on Facebook and Instagram. It may set cookies and report to Meta that a visit or signup occurred. You can limit this through your browser’s cookie controls, your device’s tracking settings, and your Meta ad preferences. The Credit Hub app itself contains no advertising or tracking.
• Technical data. Like most websites, our host records standard technical information such as IP address, browser type, and pages viewed, for security and to keep the site running.

How we use information

To provide and operate Credit Hub; to keep your dashboard current; to send the reminders and messages you ask for; to respond to your inquiries; to monitor usage, prevent abuse, and keep our systems secure; and to comply with legal obligations.

How we share information

We do not sell personal information, and we share no data with data brokers. We share information only with the service providers needed to operate Credit Hub — such as Plaid for account connections, Apple for purchases and notifications, Resend for email, and our hosting and database providers — and only to the extent needed to provide the service. We may disclose information when required by law or to protect our rights, our users, or the public.

Data retention

We keep personal information only as long as needed for the purposes described here, to comply with legal obligations, resolve disputes, and enforce our agreements. Deleting your account removes your associated data.

Security

We take reasonable measures to protect the information we hold, including one-way password hashing and AES-256-GCM encryption of financial access tokens at rest. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

Your choices and rights

You may contact us to ask what information we hold, request corrections, or request deletion, subject to applicable law. California residents have rights under the California Consumer Privacy Act (CCPA), including the right to know, delete, and correct personal information, and the right not to be discriminated against for exercising those rights. We do not sell or share personal information as those terms are defined by the CCPA. To exercise any right, email admin@lotusbloomllc.com.

Children’s privacy

Credit Hub is intended for a general adult audience and is not directed to children under 13. We do not knowingly collect personal information from children under 13.

Third-party links

Credit Hub and this site may link to third-party websites. We are not responsible for their privacy practices, and we encourage you to review their policies.

Changes to this policy

We may update this policy from time to time and will revise the effective date above when we do. Continued use of Credit Hub or this site after changes are posted means you accept the updated policy.

Contact

Questions can be sent to admin@lotusbloomllc.com or by phone at 707-892-0682, or by mail to:

LotusBloom LLC
1520 E Covell Blvd Ste B5-472
Davis, CA 95616
USA