Privacy Policy

This Privacy Policy explains how StarrLife Co LLC, operating the FiStarr platform at fistarr.com ("we," "us," "our"), collects, uses, discloses, and protects information about you when you visit or use our website. Please read this policy carefully. By using fistarr.com, you consent to the practices described in this Privacy Policy.

1. Overview

FiStarr is committed to protecting your privacy. We operate a credit education website and collect only the information reasonably necessary to provide our services, improve our content, and communicate with our users. We do not sell, rent, or trade your personal information to third parties for their own marketing purposes.

2. Who We Are

The data controller responsible for your information is:

3. Information We Collect

We collect two categories of information: information you provide directly to us, and information collected automatically when you use our site.

Information You Provide Directly

• Email address — when you subscribe to our newsletter or sign up for early access to our services
• Name — if voluntarily provided when contacting us
• Message content — if you contact us via email or a contact form

Information Collected Automatically

• Usage data — pages visited, time spent on pages, links clicked, referring URLs, and navigation paths
• Device and browser information — browser type and version, operating system, screen resolution, and device type
• IP address — used to approximate geographic region (country/state level) for analytics purposes
• Session data — how you arrived at our site and general browsing behavior during your session
• Cookie data — see Section 7 for details

We do not collect Social Security Numbers, full credit card numbers, bank account numbers, credit report data, FICO scores, or any other sensitive financial information through this website. FiStarr is an educational platform, not a financial services provider.

4. How We Collect Information

5. How We Use Your Information

We use the information we collect for the following purposes:

• To operate and improve the website — understanding which content is most useful helps us create better educational resources
• To send newsletters and updates — if you have subscribed, we use your email address to send new article notifications, guide announcements, and service updates
• To respond to inquiries — when you contact us, we use your information to respond to your message
• To notify early access subscribers — if you have signed up for early access to CreditShiftrr, Venturre, or Lender Referrals, we use your email to notify you when those services launch
• To analyze site performance — aggregate analytics data helps us understand traffic patterns, popular content, and technical issues
• To comply with legal obligations — we may use or disclose information as required by law, court order, or regulatory authority
• To protect our rights — we may use information to investigate, detect, or prevent fraudulent or illegal activity and to enforce our Terms and Conditions

We do not use your personal information to make automated decisions that have legal or similarly significant effects on you.

6. Google Analytics

This website uses Google Analytics, a web analytics service provided by Google LLC ("Google"). Google Analytics uses cookies and similar tracking technologies to collect and analyze information about how visitors use this site. This information is transmitted to and stored on Google's servers, which may be located in the United States or other countries.

What Google Analytics Collects

Google Analytics collects information including but not limited to:

• Pages you visit and the order in which you visit them
• How long you spend on each page
• The website or search engine that referred you to fistarr.com
• Your approximate geographic location (country and city level, derived from IP address)
• The type of device, browser, and operating system you are using
• Whether you are a new or returning visitor

We have enabled IP anonymization in Google Analytics, which means Google truncates your IP address before storing it. Google Analytics does not collect your full IP address.

How Google Uses This Information

Google may use the data collected to contextualize and personalize ads within its own advertising network. Google's use of your data is governed by Google's Privacy Policy, available at policies.google.com/privacy.

Opting Out of Google Analytics

You have several options to prevent Google Analytics from collecting data about your visits:

• Google Analytics Opt-Out Browser Add-On — install the add-on available at tools.google.com/dlpage/gaoptout
• Browser settings — configure your browser to block third-party cookies
• Do Not Track — some browsers support a "Do Not Track" signal, though Google Analytics' response to this signal may vary
• Private/Incognito mode — browsing in private mode limits some tracking but does not eliminate it entirely

Opting out of Google Analytics does not affect your ability to use fistarr.com. The site's content and features are fully accessible regardless of your analytics preferences.

7. Cookies and Tracking Technologies

fistarr.com uses cookies — small text files stored on your device — to enable site functionality and analytics. Here is a breakdown of the cookies we use:

Managing Cookies

Most web browsers allow you to control cookies through their settings. You can typically:

• View what cookies are stored and delete individual cookies
• Block all cookies from being set
• Block third-party cookies specifically
• Set your browser to notify you before a cookie is stored

Please note that blocking all cookies may affect the functionality of some features on this and other websites. Blocking session cookies will prevent admin login functionality.

For instructions on managing cookies in your specific browser, visit your browser's help documentation or aboutcookies.org.

8. Sharing Your Information

We do not sell, rent, or trade your personal information to third parties. We may share your information only in the following circumstances:

Service Providers

We may share information with trusted third-party service providers who assist us in operating our website and delivering our services, including:

• Google LLC — analytics services (see Section 6)
• Hosting providers — our web hosting company has access to server logs and the databases that store subscriber information
• Email delivery services — if we use a third-party email platform to send newsletters, subscriber email addresses are shared with that platform

All service providers are contractually required to use your information only to provide services to us and are prohibited from using it for their own purposes.

Legal Requirements

We may disclose your information if required to do so by law or in good-faith belief that such disclosure is reasonably necessary to:

• Comply with a legal obligation, court order, or valid legal process
• Protect and defend the rights or property of StarrLife Co LLC
• Prevent or investigate possible wrongdoing in connection with the site
• Protect the personal safety of users of the site or the public

Business Transfers

If StarrLife Co LLC is involved in a merger, acquisition, asset sale, or other business transition, your information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on our website before your information becomes subject to a different privacy policy.

9. Affiliate Links and Third-Party Tracking

Some links on fistarr.com are affiliate links. When you click an affiliate link, you are directed to a third-party website. That third party may use their own cookies, tracking pixels, or other technologies to track your visit and any subsequent actions (such as signing up for a service or completing a purchase).

FiStarr does not control what data third-party companies collect when you visit their sites through our links. Each third party's data practices are governed by their own privacy policy. We encourage you to review those policies before providing any personal information to a third party.

Our affiliate relationships do not give us access to any information you provide directly to a third party. We receive only aggregate or confirmed-transaction data from affiliate networks for commission tracking purposes.

10. Data Retention

We retain your personal information for as long as reasonably necessary to fulfill the purposes for which it was collected:

• Email subscriber list — retained until you unsubscribe or request deletion
• Server logs — typically retained for 30–90 days for security and troubleshooting purposes
• Google Analytics data — retained in Google's systems for 26 months by default (configurable); see Google's data retention settings at support.google.com/analytics
• Email correspondence — retained for as long as reasonably necessary to resolve the matter discussed and comply with legal obligations

When personal information is no longer needed, we delete it or anonymize it in a manner that prevents identification.

11. Security

We implement reasonable technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• HTTPS encryption for all data transmitted between your browser and our servers
• Password hashing for any stored credentials
• Restricted access to databases containing personal information
• Regular review of our security practices

However, no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. You transmit information to us at your own risk.

If you believe your information has been compromised, please contact us immediately at legal@fistarr.com.

12. Children's Privacy

fistarr.com is not directed at children under the age of 13, and we do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us at legal@fistarr.com and we will take steps to delete that information promptly.

If we become aware that we have collected personal information from a child under 13 without parental consent, we will delete that information from our records.

13. Your Privacy Rights

Regardless of your location, you have the following rights with respect to your personal information:

Right to Access

You may request a copy of the personal information we hold about you. We will respond to verified requests within 30 days.

Right to Correction

If you believe information we hold about you is inaccurate or incomplete, you may request that we correct it.

Right to Deletion

You may request that we delete your personal information. We will honor deletion requests except where we are required to retain information by law or for legitimate business purposes such as fraud prevention.

Right to Opt Out of Communications

You may unsubscribe from our email list at any time by clicking the unsubscribe link in any email we send you, or by emailing legal@fistarr.com with the subject line "Unsubscribe."

Right to Opt Out of Analytics

You may opt out of Google Analytics data collection at any time using the opt-out methods described in Section 6.

To exercise any of the above rights, contact us at legal@fistarr.com with the subject line "Privacy Request." We may need to verify your identity before processing your request.

14. California Residents — CCPA / CPRA Rights

If you are a resident of California, you have additional rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):

Right to Know

You have the right to request disclosure of the categories of personal information we have collected about you, the sources of that information, the business or commercial purposes for collecting it, and the categories of third parties with whom we share it.

Right to Delete

You have the right to request deletion of personal information we have collected from you, subject to certain exceptions.

Right to Correct

You have the right to request correction of inaccurate personal information.

Right to Opt Out of Sale or Sharing

We do not sell your personal information as defined under the CCPA/CPRA. We do not share your personal information for cross-context behavioral advertising purposes.

Right to Non-Discrimination

We will not discriminate against you for exercising your CCPA/CPRA rights. You will not receive a different level of service or quality because you exercised any of these rights.

Categories of Personal Information Collected (Last 12 Months)

To submit a CCPA/CPRA rights request, email legal@fistarr.com with the subject line "California Privacy Request." We will respond within 45 days of receiving a verifiable request.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last updated" date at the top of this page.

We encourage you to review this Privacy Policy periodically. Your continued use of fistarr.com after we post any changes constitutes your acceptance of the updated Privacy Policy. If you disagree with the revised Privacy Policy, please stop using the site and contact us to request deletion of your information.

16. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

We aim to respond to all privacy-related inquiries within 5 business days. For formal rights requests under CCPA/CPRA or other applicable law, we will respond within the timeframe required by applicable law.

This Privacy Policy was last updated on May 28, 2026. © 2026 StarrLife Co LLC. All rights reserved.