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Privacy Policy

Last updated: October 8, 2026

This Privacy Policy explains how Creditaria Holding USA, Inc. ("we", "us"), which operates the Creditaria US brand, collects, uses and shares personal information through creditaria.us (in English and Spanish), our forms, email, phone and WhatsApp (the "Services"). It applies to people in the United States, Mexico and Canada; sections 9 to 11 add the rules of each country.

1. Information we collect

  • Information you give us: name, email, phone number, country, preferred language and message when you use a contact, consultation or pre-qualification form, or write to us by email or WhatsApp.
  • Automatically collected: IP address, browser and device type, pages visited and language preference, through cookies and similar technologies (see our Cookie Policy).

We do not ask for Social Security numbers, financial account numbers or payment card information.

2. How we use it

To answer your questions and follow up on your request; to connect you with the right service of our group; to improve and secure the Services and comply with the law; and to send marketing messages as described in section 5.

3. How we share it

We do not sell your personal information. We share it only:

  • With our affiliates, Mexico Mortgage Hub if you ask about financing and Homes in Mexico if you ask about properties.
  • With service providers that act on our behalf under confidentiality obligations: website hosting, our CRM and document storage, email delivery, WhatsApp (Meta), and Google (website analytics and advertising).
  • When required by law, to protect rights and safety, or in a merger or sale of our business.

Advertising. We use Google Analytics, Google Tag Manager and Google Ads tags on our site to measure visits and our advertising and to show our ads to people who visited the site (remarketing). Google may use cookies and similar technologies for this. This may be considered "targeted advertising" or "sharing" under some state laws; you can opt out as described in section 9.

4. Your advisor

Your request is attended by an advisor of our team, who keeps the conversation and your documents in our CRM so the team can follow up.

5. Email, phone and WhatsApp messages

When you ask us to contact you, we reply about your request. We send marketing messages only to people who agreed to receive them. Emails include an unsubscribe link; on WhatsApp you can reply STOP at any time. Consent is not a condition of any purchase.

6. Retention

We keep personal information while your inquiry or account is active and as long as needed for legal, accounting and dispute purposes; then we delete or de-identify it.

7. Security

We use reasonable administrative, technical and physical safeguards, including encryption in transit (HTTPS). No system is completely secure.

8. Children

The Services are not directed to children under 13 (under 18 in Mexico), and we do not knowingly collect their information.

9. United States: your choices and rights

  • Opt out of targeted advertising: write to contact@creditaria.us with the subject "Opt out", turn on Global Privacy Control in your browser (we honor it as an opt-out: our advertising and analytics tags do not load), or manage ad personalization at adssettings.google.com.
  • Access, correct or delete your personal information, or stop marketing messages: write to contact@creditaria.us.

Depending on your state, you may have additional rights; we honor these requests for all U.S. residents and will not discriminate against you for using them. We verify your identity before acting on a request.

10. Mexico: privacy notice

For people in Mexico, this section is our privacy notice under the Federal Law on the Protection of Personal Data Held by Private Parties (2025).

  • Data controller: Creditaria Holding USA, Inc., 400 Portland Rd., Bldg. 2, Ste. 10, San Antonio, Texas 78216, USA; contact: contact@creditaria.us.
  • Primary purposes (needed for what you ask us): those described in section 2, except marketing.
  • Secondary purposes: sending you marketing and information about other properties and services of our group. If you do not want this, write to contact@creditaria.us with the subject "Secondary purposes"; it does not affect your request.
  • Transfers: we transfer data without needing your consent when it is necessary for what you ask us (to the listing source or the lenders described in section 3), to companies of our group that follow this notice, and to authorities when the law requires it. We do not make other transfers that need your consent.
  • ARCO rights, revoking consent and limiting use: send to contact@creditaria.us your name and how to reply to you, a copy of your ID (or your representative's and the power of attorney), a clear description of the data and the right you want to exercise, and any document that helps us locate them. We reply within 20 business days and, if your request is granted, apply it within the following 15 business days.
  • Cookies: we use the technologies described in our Cookie Policy; you can disable them in your browser.
  • Authority: if you believe your rights were violated, you can go to the Secretaría Anticorrupción y Buen Gobierno.

11. Canada

  • We collect, use and share your information only for the purposes in this policy and with your consent, which you can withdraw at any time (this may limit our ability to help you).
  • You can ask for access to, or correction of, your information by writing to our Privacy Officer at contact@creditaria.us; we reply within 30 days.
  • Your information is stored and processed outside Canada (mainly in the United States and Mexico) and may be accessible to the authorities of those countries under their laws.
  • We send commercial electronic messages only with your consent, identifying ourselves and with a way to unsubscribe.
  • If you are not satisfied with our answer, you can contact the Office of the Privacy Commissioner of Canada (priv.gc.ca).

12. International transfers

We operate from the United States and Mexico, and our service providers may process information in other countries.

13. Changes

We will post updates here with a new date and highlight material changes on the site.

14. Contact

Creditaria Holding USA, Inc. — contact@creditaria.us — +1 281 865 1606

See also our Cookie Policy.