Updated on January 9, 2026

Identity and address of the responsible party

4ADS MEDIA LLC (hereinafter, the “Controller” or “Controller”), with EIN 37-2002466 and registered address at 5401 S Kirkman Rd, Suite 135, Orlando, FL 32819, United States of America, makes this Privacy Notice available to you.

This document is issued in compliance with the Federal Law on the Protection of Personal Data Held by Individuals (LFPDPPP), its Regulations and the Privacy Notice Guidelines applicable in the United Mexican States.

The Controller operates the website https://thecreditsfuture.com/ (“the Site”), an independent information platform dedicated to providing accessible, research-based content on loans, credit services, debt structures, and essential financial concepts.

Commitment to users: We value your trust and recognize that your personal information deserves responsible and careful handling. Our approach is guided by transparency and respect for your rights. We strive to clearly explain what information may be collected, how it is used, and what choices you have regarding your data during your interaction with our site.

Your privacy matters

We value your trust and recognize that your personal information must be treated responsibly. This Privacy Policy explains how data is collected, stored, used, and protected when you visit or interact with The Credits Future.

We comply with applicable data protection regulations and strive to clearly explain what information may be collected, how it is used, and what choices you have regarding your data at each stage of your interaction with the Site.

We recommend you read this document carefully. If you have any questions, concerns, or requests regarding the processing of your information, you can contact us at https://thecreditsfuture.com/contact.

Scope of this Policy

This Policy applies to the use of https://thecreditsfuture.com/ This includes all content published on the platform, including articles, guides, tutorials, and educational materials related to loans, credit awareness, and general financial understanding.

If you choose to follow links to third-party sites, official lenders, financial service providers, or external platforms mentioned in our content, those sites operate under their own privacy policies. We recommend reviewing their practices before sharing personal information outside of our platform.

Consent

By accessing and using The Credits Future, you confirm that you have read, understood and accepted the practices described in this Privacy Policy.

Reading articles, accessing guides, or interacting with any section of the Site implies acceptance of these terms. If you do not agree with how information is collected, managed, or processed, we recommend that you stop using the platform.

Your continued use of the Site will be considered as consent to our data processing practices. For more information about your rights and responsibilities, please see our Terms of Use.

AI-assisted content

To support the consistency, organization, and readability of our educational materials, The Credits Future may use AI-based tools in a limited way and as support within the editorial process. These tools help structure content, improve writing, and maintain a clear tone, especially when explaining technical topics related to loans, credit mechanics, or financial terminology.

AI does not replace human oversight. Every published article is reviewed, edited, and approved by a human editor before publication. We use AI only as editorial support, not as a substitute for human judgment or decision-making.

If you would like more information about the use of AI in our editorial workflow, you can contact us through our contact page.

Important notice

The Credits Future is strictly an informational publisher. We are not a lender, intermediary, bank, or financial institution. We do not issue loans, accept applications, grant approvals, or make credit decisions. Any terms, conditions, or rates should be verified directly with official lenders or providers before entering into a financial agreement.

I. Data collection practices

To provide services and improve the platform, we collect specific categories of personal data. This data comes from three sources: information you provide, data automatically collected from your device, and limited input from trusted third parties.

a) Identification and contact details (provided by you)

You can access most areas without sharing personal data. However, if you use features such as contact forms, subscriptions, or interactive tools, we may collect:

Full name
Email
Phone number (only if you voluntarily provide it for specific notifications)
General Location (City/State)

b) Technical and navigation data (collected automatically)

When you browse the Site, we collect technical information to operate and improve the experience, including:

IP Address
Browser type and version
Device information (operating system, screen resolution)
Date and time of access
Navigation patterns (pages viewed, time spent on the site)

Important: We do not collect sensitive personal data (such as health data, biometrics, or political opinions).

II. SMS notifications and consent

A. Authorization of consent

The Credits Future is committed to responsible communications in accordance with the LFPDPPP and the TCPA (USA).

If you voluntarily provide your phone number through a form, questionnaire, or interactive feature, we may offer you the option to receive SMS messages. Any invitation will include explanatory language and a mechanism (checkbox or other) to confirm your consent. Before you accept, the purpose and type of messages will be explained.

By opting in to receive SMS messages, you authorize The Credits Future to send you occasional messages, which may include site updates, relevant alerts, or promotional content related to our publishing offers. Participation is optional and not required to access the Site.

B. Cancellation (opt-out)

You can withdraw your consent at any time by replying “STOP” to any message. Once we receive your reply, we will remove your number from our list.

You can also update preferences through https://thecreditsfuture.com/contact.

III. Purposes of data processing

Under Mexican law, we distinguish between necessary purposes (“Primary”) and optional (“Secondary”).

A. Primary (necessary) purposes

They do not require additional specific consent, as they are essential for the service:

Identity verification: manage access to Site features.
Service provision: display requested articles, guides, and resources.
Medium: to respond to inquiries, complaints, requests, or comments.
Security: detect suspicious behavior, prevent fraud and unauthorized access.
Technical performance: monitor performance, correct errors, and ensure compatibility.

B. Secondary purposes (optional)

They are not indispensable and you have the right to object:

Newsletters and updates: sending newsletters and educational content.
Analytics and improvements: aggregated activity analysis to improve content structure and strategy.
Marketing and advertising: display ads based on general interests via third-party cookies and measure campaigns.

Mechanism for rejecting secondary purposes: You can report it at any time through https://thecreditsfuture.com/contactRejecting these purposes will not affect your access to the information or services you request.

Cookies policy

This Policy explains how we use cookies on https://thecreditsfuture.com/what data they collect and how it influences your experience.

What are cookies?

These are text files that are saved on your device when you visit a website. They help remember your activity and preferences.

Cookies can help to:

Recognize returning visitors and retain settings
Improve navigation and performance
Analyze site usage to guide improvements
Support security and detection of irregular activity
Facilitate advertising based on general interests

You can manage cookies through your browser. Limiting certain cookies may affect site functionality.

Types of cookies

Essentials: They allow basic operation and safety.
Preferences: They save language, design, or interface options.
Analytics: They measure aggregate behavior to improve content and detect errors.
Security: They help prevent abuse and unauthorized access.
Advertising: They allow you to measure campaigns and show more relevant ads.

Third-party cookies

We may work with third parties for analytics, performance, and advertising. They may install their own cookies.

Analytics (e.g. Google Analytics): aggregate navigation metrics.
Testing and development: temporary cookies during changes.
Advertising: cookies to measure performance and personalize ads.

Users can manage ads from browser tools, Google preferences, or www.aboutads.info.

How to block cookies

Consult the browser's official help:

Google Chrome
Firefox
Microsoft Edge
Opera
Safari

Blocking cookies may limit sessions, saved settings, or recommendations. Blocking advertising cookies does not remove ads, but it can make them less relevant.

IV. Commitment to data protection

Credits Future does not sell, rent, or trade your personal data. In some cases, we may share anonymized or aggregated data with trusted partners to improve performance and understand general trends. This does not identify individuals.

We implement security measures such as encrypted connections, internal access control, and activity monitoring. No system is completely risk-free; if an incident occurs, we will take action to contain it, restore security, and notify you accordingly.

International Transfers (Consent): By using the Site and providing data, you understand and consent to the transfer of your information to the United States for processing and storage. We implement measures comparable to those required by the LFPDPPP (Federal Law on Protection of Personal Data Held by Private Parties).

V. Exercising privacy rights

5.1 Your rights

You have the right to know how your data is used and to request access, review, or changes. You can also request limitation of use or deletion, except in cases where we are required to retain records due to legal, administrative, or security obligations.

5.2 Data retention

We retain data only as long as necessary for its purpose (functionality, support, security, improvements). Once it is no longer needed, it is deleted or anonymized.

You can request deletion by https://thecreditsfuture.com/contact.

VI. Compliance with the LFPDPPP (Mexico)

6.1 Reference framework

Although 4ADS MEDIA LLC is based in the U.S., we respect user rights in Mexico and align our practices with the LFPDPPP and guidelines of INAI.

6.2 Legal basis

We process data based on grounds recognized by Mexican law, including consent (where applicable) and legitimate interest to operate the site, always under applicable standards.

6.3 ARCO Rights

Under the LFPDPPP you can exercise:

Access: to know what data we have and what we use it for.
Rectification: correct inaccurate or incomplete data.
Cancellation: request deletion when appropriate.
Opposition: to oppose specific uses (e.g., marketing).

Procedure to exercise ARCO rights:
Send application via https://thecreditsfuture.com/contact with:

Full name and means of replying (email)
Documents to prove identity (or legal representation, if applicable)
Clear description of the data and the ARCO right you wish to exercise

Term: We will respond within 20 business days of receiving your request. If applicable, the service will be provided within 15 business days of our response.

Options to limit use/disclosure (advertising):

Internal opt-out list to stop receiving promotional emails
Information about REPEP (PROFECO) to avoid unwanted advertising

6.4 International Transfer (Mexico → USA)

By using the Site you agree that your data may be transferred and processed in the USA with technical, administrative and organizational safeguards in accordance with the LFPDPPP.

6.5 Complaints

If you believe your rights have been violated, you can file a complaint with the INAIWe recommend contacting us first so we can resolve this promptly.

6.6 Global Rights

We apply high standards globally:

Brazil (LGPD): confirmation of treatment, access, correction and revocation of consent.
Other jurisdictions: access, correction, deletion or portability, in accordance with applicable local laws.

VII. Data protection in the United States

We comply with relevant state and federal frameworks. Among others:

California (CCPA/CPRA): right to opt out of sharing data for behavioral advertising; you can use “Ad Choices” or GPC signals.
Virginia (VCDPA) and Colorado (CPA): access, correction, deletion, portability and opt-out of targeted advertising/profiling.
Other states (Florida, Texas, Connecticut, Utah, Oregon, Montana): similar rights as applicable.

COPPA (minors)

We do not intentionally collect data from children under 13. If improper collection is detected, we will investigate and delete the data.

Coherence note: The original text mentions “parental consent before collecting data from minors under 18,” which doesn't align with the COPPA standard (under 13). If you'd like, I can adjust that line to maintain legal and editorial consistency with your site's approach.

VIII. Future Updates

We may update this Policy to reflect technological, operational, or regulatory changes. The current version will be posted on this page. Your continued use of the site after changes constitutes acceptance of the policy. If you do not agree, you may stop using the platform.

IX. Contact

For questions or requests regarding this Policy, please contact us at: https://thecreditsfuture.com/contact.4ADS MEDIA LLC
L21000233395
37-2002466
5401 S Kirkman RD, Suite 135 – Orlando, FL 32819