Privacy Policy
Last updated: January 2025
1. Introduction
FixMyCredit99 ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our credit dispute platform and related services.
By using FixMyCredit99, you consent to the data practices described in this policy.
2. Information We Collect
Personal Information
When you create an account or use our services, we may collect:
- Name and email address
- Mailing address (for sending dispute letters)
- Payment information (processed securely through Stripe)
- Credit report data you upload for analysis
Automatically Collected Information
When you access our platform, we automatically collect:
- Device and browser information
- IP address and general location
- Usage data and interaction patterns
- Cookies and similar tracking technologies
3. How We Use Your Information
We use the information we collect to:
- Provide and maintain our credit dispute services
- Analyze your credit reports and generate dispute letters
- Send physical dispute letters via certified or first-class mail
- Process payments and manage subscriptions
- Communicate with you about your account and disputes
- Improve our services and develop new features
- Prevent fraud and ensure platform security
- Comply with legal obligations
4. Data Sharing and Disclosure
We do not sell your personal information. We may share your data with:
- Service Providers: Third-party vendors who help us operate our platform (e.g., Stripe for payments, Lob for mail delivery, MongoDB for data storage)
- Credit Bureaus and Creditors: When sending dispute letters on your behalf, we share necessary information with Experian, Equifax, TransUnion, or creditors as part of the dispute process
- Legal Requirements: When required by law, court order, or government authority
- Business Transfers: In connection with a merger, acquisition, or sale of assets
5. Data Security
We implement industry-standard security measures to protect your information:
- Encryption of data in transit (TLS/SSL) and at rest
- Secure authentication with JWT tokens and httpOnly cookies
- Regular security audits and vulnerability assessments
- Access controls and employee training
However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security of your data.
6. Data Retention
We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Credit report data and dispute history are retained for up to 7 years to help you track your credit repair progress. You may request deletion of your account and associated data at any time.
7. Your Rights and Choices
You have the right to:
- Access and download your personal data
- Correct inaccurate information
- Delete your account and personal data
- Opt out of marketing communications
- Disable cookies through your browser settings
To exercise these rights, contact us at support@fixmycredit99.com.
8. California Privacy Rights
California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, request deletion, and opt out of the sale of personal information. As noted above, we do not sell personal information.
9. Children's Privacy
FixMyCredit99 is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a minor, please contact us immediately.
10. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of significant changes by email or through a notice on our platform. Your continued use of FixMyCredit99 after changes are posted constitutes acceptance of the updated policy.
11. Contact Us
If you have questions about this Privacy Policy or our data practices, please contact us at:
Email: support@fixmycredit99.com