Privacy Policy

Last updated: February 2026

1. Information We Collect

We collect information you provide directly, including:

• Account information (name, email, organization)
• Client data entered into the platform
• Uploaded documents (credit reports, supporting files)
• Payment information (processed by Stripe — we do not store card details)
• Usage data and log information

2. How We Use Information

We use collected information to:

• Provide and maintain the Service
• Process dispute letters and generate reports
• Handle billing and subscription management
• Send service-related communications
• Monitor system health and prevent abuse

3. Data Sharing

We do not sell personal information. We may share data with:

• Payment processors (Stripe) for billing
• Email service providers for transactional emails
• Law enforcement when required by law

4. Data Retention

Uploaded files are retained for 90 days by default. Application logs are retained for 30 days. Admin audit logs are retained for one year. Dispute records are retained per FCRA compliance guidelines.

5. Data Security

We implement industry-standard security measures including:

• HTTPS encryption in transit
• CSRF protection on all forms
• Rate limiting on sensitive endpoints
• Role-based access controls
• Secure session management

6. Your Rights

You may request access to, correction of, or deletion of your personal data by contacting us. Organization administrators can manage client data through the platform's admin tools.

7. FCRA Compliance

This platform is designed to assist with credit repair operations. Users are responsible for ensuring their use of the platform complies with the Fair Credit Reporting Act (FCRA) and all applicable state and federal regulations.

8. Changes to This Policy

We may update this Privacy Policy periodically. We will notify users of material changes through the platform.

9. Contact

For privacy-related questions, contact us at support@pinnaclecreditexperts.com.