Privacy Policy

1. Information We Collect

We collect and process the following categories of information:

  • Client Information: Business contact data, billing information, service records, and communications related to contracted services.
  • Consumer Data: When authorized by clients, we may process consumer information including name, address, date of birth, Social Security number (SSN), account numbers, credit tradelines, and payment history. All such data is handled as a data processor on behalf of the client.
  • Technical Data: IP addresses, browser types, access logs, system configurations, and metadata collected through the use of our platforms.

2. Purpose of Collection

We collect and process personal information solely for legitimate business purposes, including but not limited to:

  • Providing contracted ARM and IT services
  • Facilitating credit bureau furnishing and compliance support
  • Verifying client identity and account security
  • Internal audits, data quality checks, and operational improvement
  • Legal and regulatory compliance, including obligations under FCRA, GLBA, and CFPB oversight

3. Data Sharing and Disclosure

We do not sell personal information. We only share personal data with third parties under the following circumstances:

  • With credit reporting agencies, when acting as an authorized data processor or transmitter for the client
  • With third-party service providers under contractual confidentiality obligations (e.g., cloud hosting, cybersecurity tools)
  • To comply with subpoenas, court orders, legal investigations, or regulatory requirements
  • As required to prevent, detect, or investigate security incidents or fraudulent activity

4. Data Security

We implement and maintain industry-standard administrative, physical, and technical safeguards to protect personal information. These include encryption at rest and in transit, access control systems, employee training, vendor due diligence, and regular system penetration testing. Despite these efforts, no system is 100% secure, and we cannot guarantee the absolute security of data.

5. Data Retention

We retain personal data only for as long as necessary to fulfill the purposes described in this policy or as required by law. Consumer data processed on behalf of clients is retained in accordance with client instructions and applicable regulatory obligations.

6. Your Rights

Depending on your jurisdiction, you may have certain rights regarding your personal information, including:

  • The right to access or request a copy of your personal data
  • The right to request corrections or updates to inaccurate information
  • The right to request deletion of your data, subject to applicable exceptions
  • The right to restrict or object to certain types of processing
  • The right to lodge a complaint with a regulatory authority

Requests may be submitted by contacting us. We may need to verify your identity before responding to such requests.

7. Cookies and Tracking

Our website may use cookies, pixels, and similar technologies to improve site performance, analytics, and user experience. You can manage your cookie preferences through your browser settings.

8. Children’s Privacy

Our Services are not intended for use by individuals under the age of 18. We do not knowingly collect personal data from minors. If we become aware that we have collected data from a child without proper consent, we will take steps to delete such information promptly.

9. International Users

Our Services are operated in the United States. If you access our Services from outside the U.S., you consent to the transfer of your data to the U.S. and to the processing and storage of that data under U.S. laws, which may differ from those in your country.

10. Updates to This Policy

We reserve the right to modify or update this Privacy Policy at any time. Updates will be posted to this page with the “Last Updated” date. Your continued use of the Services following any changes constitutes acceptance of those changes.

11. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us.