At Credit Armor, we take your privacy seriously. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you use our credit repair software and services.
1. Information We Collect
Personal Information
We collect information that you provide directly to us, including:
- Account Information: Name, email address, phone number, business name
- Client Data: Client names, contact information, credit report data
- Payment Information: Credit card details, billing address (processed securely through Stripe and PayPal)
- Communications: Messages, support tickets, feedback you send to us
Automatically Collected Information
When you access our services, we automatically collect:
- Device Information: IP address, browser type, operating system
- Usage Data: Pages viewed, features used, time spent on platform
- Cookies: Session cookies for authentication and functionality
2. How We Use Your Information
We use the information we collect to:
- Provide, maintain, and improve our credit repair software
- Process payments and send transaction confirmations
- Send dispute letters on your behalf via certified mail
- Analyze credit reports and generate dispute recommendations
- Communicate with you about service updates, security alerts, and support
- Detect, prevent, and address fraud, security issues, and technical problems
- Comply with legal obligations and enforce our Terms of Service
3. Data Security
We implement industry-standard security measures to protect your information:
- SSL/TLS Encryption: All data transmitted between your browser and our servers is encrypted using 256-bit SSL
- PCI DSS Compliance: Payment data is processed through PCI-compliant providers (Stripe, PayPal)
- Secure Database: Client data stored in Supabase with Row Level Security (RLS) policies
- Access Controls: Strict authentication and authorization protocols
- Regular Audits: Ongoing security assessments and vulnerability testing
4. Data Sharing and Disclosure
We do not sell, rent, or trade your personal information. We may share your data only in these circumstances:
Service Providers
- Payment Processors: Stripe and PayPal for payment processing
- Mail Services: Lob API for certified mail delivery to credit bureaus
- Cloud Infrastructure: Supabase for secure data storage
- Analysis Services: Third-party analysis services for credit report processing (data is not stored by third parties)
Legal Requirements
We may disclose your information if required by law, court order, or government request, or to protect our rights, property, or safety.
5. Your Data Rights
You have the following rights regarding your data:
- Access: Request a copy of all data we hold about you
- Correction: Update or correct inaccurate information
- Deletion: Request deletion of your account and associated data
- Export: Download your data in a portable format
- Opt-Out: Unsubscribe from marketing communications
To exercise these rights, contact us at privacy@creditarmor.net
6. Data Retention
We retain your data for as long as your account is active or as needed to provide services. After account termination:
- Active data deleted within 6 months
- Backup data deleted within 3 months
- Financial records retained for 7 years (legal requirement)
- Dispute letters and credit reports retained according to FCRA requirements
7. CCPA Compliance (California Residents)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):
- Right to know what personal information is collected
- Right to know if personal information is sold or shared
- Right to opt-out of the sale of personal information (we do not sell data)
- Right to non-discrimination for exercising CCPA rights
8. Children's Privacy
Credit Armor is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.
9. Third-Party Links
Our service may contain links to third-party websites (e.g., AnnualCreditReport.com, credit bureau portals). We are not responsible for the privacy practices of these external sites. Please review their privacy policies before providing any information.
10. International Users
Credit Armor operates in the United States and is subject to U.S. laws. If you access our services from outside the U.S., you consent to the transfer and processing of your data in the United States.
11. Analytics and Tracking
We use analytics tools to understand how users interact with our platform:
- Google Analytics: Website traffic and user behavior
- Session Recordings: To improve user experience and identify bugs
You can opt-out of analytics tracking by enabling "Do Not Track" in your browser settings.
12. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. For material changes, we will notify you via email or through the platform.
13. Contact Us
If you have questions about this Privacy Policy or our data practices, please contact us:
Credit Armor
Email: privacy@creditarmor.net
Support: help@creditarmor.net