Your Smart Credit Takes Online Security Seriously
Your Data is Always Encrypted
The information you share with Your Smart Credit is encrypted both in transit and at rest. We use industry-leading encryption protocols to ensure your personal and financial data is always protected.
Independent Security Scanning
Our systems undergo regular, rigorous security scans by independent third-party security experts. If any vulnerabilities are detected, they are patched immediately to maintain the highest level of system integrity.
Read-Only Access to Your Financial Accounts
When you link your bank accounts through Your Smart Credit, they are connected in read-only mode. This means no one can move money, make payments, or perform transactions — not even us.
PCI DSS Level 1 Compliant
We are proudly Level 1 PCI DSS compliant, the highest level of certification for payment card data security. This status is verified through independent audits by certified security firms approved by Visa and MasterCard.
How You Can Help Protect Your Account
Security is a shared responsibility. To protect your information and accounts, we ask that you follow these best practices:
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Keep your passwords and account details private.
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Never share your login credentials with anyone.
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Always log out when finishing a session — especially on shared or public devices.
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Report any unauthorized account activity to us within 2 business days.
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Avoid leaving your computer unattended while logged in.
Please note: Your Smart Credit is not liable for losses resulting from customer negligence, including:
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Misuse of the service
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Sharing passwords or sensitive data
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Failing to report suspicious activity promptly
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Leaving sessions open on unattended devices