Privacy Policy

1. Information We Collect

We collect personal information you provide directly, including name, address, Social Security number, date of birth, and financial account details necessary to perform credit analysis and advocacy services. We also collect payment information and correspondence history.

2. How We Use Your Information

We use your information solely to provide the services you have engaged us for: analyzing credit reports, drafting dispute correspondence, communicating with credit bureaus and data furnishers, and managing your membership account. We do not sell your personal information.

3. Information Sharing

We share information only with the three major consumer reporting agencies (Equifax, Experian, TransUnion), data furnishers, and payment processors as necessary to perform services. We do not share with third parties for marketing purposes.

4. Data Security

We implement industry-standard encryption, access controls, and secure hosting to protect your data. Only authorized personnel with a legitimate business need may access your information.

5. Your Rights

You have the right to access, correct, or delete your personal information. You may request a copy of the data we hold about you by contacting our compliance department. You may also cancel your membership and request deletion of your account data at any time.

6. Cookies and Tracking

Our website uses essential cookies for authentication and session management. We do not use third-party advertising trackers or analytics cookies that identify you personally.

7. Changes to This Policy

We may update this privacy policy periodically. Material changes will be communicated via email or through your member portal. Continued use of our services constitutes acceptance of the updated policy.