Privacy Policy

1. Scope

This Privacy Policy explains how Credit Renew collects, uses, discloses, and retains information when you use our website, application, tools, and related content. It reflects our current data-handling practices. It does not govern third-party sites, products, or services that may be linked from Credit Renew or that you choose to use separately.

2. Information We Collect

• Account and contact details: Name, email address, mailing address, phone number, login credentials, and similar profile details.
• Connected-provider credentials and access details: Credentials, tokens, last-four verification details, and related access information you provide so we can pull your report at your direction.
• Credit, dispute, and workflow data: Credit-report fields, score snapshots, dispute drafts, uploaded documents, notes, bureau responses, and related workflow history.
• Billing and transaction records: Subscription or payment metadata, invoices, and processor-related records. Full payment-card details are handled by the payment processor, not stored by us.
• Support, product, and communications data: Messages you send us, product feedback, survey responses, and any information you choose to provide through forms or support channels.
• Device, log, analytics, and attribution data: IP address, browser type, device data, pages visited, referrers, UTM parameters, and standard product or marketing analytics events.
• Affiliate and referral attribution: Basic referral data used to understand whether a visit or signup came through a partner or affiliate relationship.

3. How We Use Information

• Create and secure your account.
• Sync credit-report data or process files and information you choose to upload.
• Generate, organize, and track dispute workflows and educational guidance.
• Operate, troubleshoot, and improve the product, including fraud prevention and security monitoring.
• Send transactional communications such as signup confirmations, workflow updates, and product notices.
• Measure traffic, product usage, referrals, and affiliate performance.
• Comply with legal obligations, respond to lawful requests, and enforce our terms.

4. How We Disclose Information

• Service providers: Hosting, database, authentication, analytics, communications, payment, security, and infrastructure vendors that help us run Credit Renew.
• Third-party providers you choose to use: If you connect a report provider, payment provider, or other outside service, we may exchange information with that provider as needed to complete the action you requested.
• Professional advisers and compliance: Lawyers, accountants, insurers, auditors, regulators, law enforcement, or others when reasonably necessary for legal, security, or compliance reasons.
• Corporate transactions: A buyer, investor, successor, or counterparties involved in an actual or proposed merger, financing, acquisition, restructuring, asset sale, or similar transaction.
• Aggregated or deidentified information: We may use and disclose aggregated or deidentified information that does not identify you, subject to applicable law.

We may also disclose information when you direct us to do so or when disclosure is reasonably necessary to protect Credit Renew, our users, or the public.

We do not currently operate a consumer data-broker business or a third-party ad-retargeting program around your Credit Renew account or report data. If our practices change in a way that requires additional notice, consent, or opt-out rights under applicable law, we will update this policy and provide the required mechanism before the change takes effect.

Certain categories of information, including consumer-report data, dispute materials, and connected provider credentials, may also be subject to separate legal or contractual limits. This policy should not be read as a promise that we can transfer or commercialize every category of information in the same way.

5. Affiliate and Referral Relationships

Some links on Credit Renew are affiliate or referral links. For example, if you choose to enroll with IDIQ through Credit Renew, we may receive compensation from that provider. We may use referral and attribution data to understand whether a click, signup, or purchase came through that relationship.

Affiliate compensation does not mean the provider controls Credit Renew or our editorial standards. It does mean there is a financial relationship that we want to disclose clearly. See our Affiliate Disclosure for more detail.

6. Retention

• We keep account and workspace data for as long as reasonably necessary to operate the service, maintain security, and support your ongoing use.
• Connected-provider credentials or tokens are retained only while needed for the associated connection and may be deleted, rotated, or invalidated when removed or no longer needed.
• Support, audit, analytics, and security logs may be retained for troubleshooting, abuse prevention, legal compliance, backup, and recovery purposes.
• We may also retain information as required or permitted by law, contract, litigation hold, fraud prevention, or accounting obligations.

7. Security

We use reasonable administrative, technical, and organizational safeguards designed to protect information, including encryption in transit, access controls, and vendor security controls where appropriate. No method of storage or transmission is perfectly secure, and we cannot guarantee absolute security.

8. Your Rights and Choices

Depending on where you live, you may have rights that include the ability to:

• Request access to personal information we hold about you.
• Request correction of inaccurate personal information.
• Request deletion of personal information, subject to legal and operational exceptions.
• Request a portable copy of certain information where applicable.
• Opt out of marketing emails using the unsubscribe link in the message.
• Exercise any additional state or country-specific privacy rights that apply to you.

To make a privacy request, email privacy@creditrenew.com. If applicable law later requires a dedicated sale or sharing opt-out mechanism, we will make that available in addition to this policy.

9. Children's Privacy

Credit Renew is not directed to children under 18, and we do not knowingly collect personal information from them. If you believe a minor has provided personal information to us, email privacy@creditrenew.com so we can review and address the issue.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, providers, or legal obligations. When required by law, or when changes are material, we will provide additional notice before the update takes effect. The "Last updated" date above shows when this version was last revised.

11. Contact

Questions about this policy, our current data practices, or a privacy request can be sent to privacy@creditrenew.com.