Our Commitment: Your credit data is sensitive. We use industry-standard encryption, never sell your personal information, and give you full control over your data. You can request deletion at any time.
1. Information We Collect
1.1 Information You Provide
| Data Type | Purpose |
|---|---|
| Name, email, password | Account creation and authentication |
| Mailing address | Generating dispute letters (required by bureaus) |
| Credit reports (uploaded) | AI analysis and dispute letter generation |
| Payment information | Processed by Stripe; we don't store card numbers |
1.2 Information Collected Automatically
- Usage data: Pages visited, features used, dispute history
- Device information: Browser type, operating system, IP address
- Cookies: Session management and analytics (see Section 6)
2. How We Use Your Information
We use your information to:
- Provide and improve our Service
- Generate personalized dispute letters
- Send service-related communications
- Process payments (via Stripe)
- Detect and prevent fraud
- Comply with legal obligations
We do NOT:
- Sell your personal information to third parties
- Share your credit data with advertisers
- Use your data for unrelated marketing without consent
3. Credit Report Data
Your uploaded credit reports are:
- Encrypted: Using AES-256 encryption at rest and TLS 1.3 in transit
- Processed locally: Our AI analyzes reports without human review
- Stored temporarily: Reports are automatically deleted after 90 days of inactivity
- Deletable on request: You can request immediate deletion at any time
4. Data Sharing
We share data only with:
| Third Party | Purpose | Data Shared |
|---|---|---|
| Stripe | Payment processing | Payment info only |
| AWS | Cloud infrastructure | Encrypted data storage |
| Anthropic (Claude AI) | AI processing | Anonymized report data |
| USPS (optional) | Letter mailing service | Name, address, letters |
We may also disclose information if required by law, court order, or to protect our rights.
5. Data Security
We implement industry-standard security measures:
- SOC 2 Type II compliant infrastructure
- AES-256 encryption for data at rest
- TLS 1.3 encryption for data in transit
- Regular security audits and penetration testing
- Employee access controls and training
No system is 100% secure. If you discover a security vulnerability, please report it to [email protected].
6. Cookies and Tracking
We use cookies for:
- Essential cookies: Login sessions, security (required)
- Analytics cookies: Understanding usage patterns (optional)
- Marketing cookies: Measuring ad effectiveness (optional)
You can control non-essential cookies through your browser settings or our cookie banner.
7. Your Rights
Depending on your location, you may have the right to:
- Access: Request a copy of your personal data
- Correction: Update inaccurate information
- Deletion: Request deletion of your data
- Portability: Receive your data in a portable format
- Opt-out: Unsubscribe from marketing communications
To exercise these rights, email [email protected]. We respond within 30 days.
8. Data Retention
- Account data: Retained while account is active, deleted within 30 days of account closure
- Credit reports: Deleted after 90 days of inactivity or upon request
- Dispute history: Retained for 7 years for legal compliance
- Payment records: Retained for 7 years per tax requirements
9. Children's Privacy
DisputeHive is not intended for users under 18. We do not knowingly collect personal information from children. If you believe a child has provided us with data, contact us immediately.
10. California Residents (CCPA)
California residents have additional rights under the CCPA:
- Right to know what personal information is collected
- Right to delete personal information
- Right to opt-out of the sale of personal information (we don't sell data)
- Right to non-discrimination for exercising CCPA rights
11. International Users
DisputeHive is based in the United States. If you access our Service from outside the US, your data will be transferred to and processed in the US, which may have different data protection laws than your country.
12. Changes to This Policy
We may update this Privacy Policy periodically. We'll notify you of material changes via email or a prominent notice on our website. Continued use after changes constitutes acceptance.
13. Contact Us
Questions or concerns about your privacy?
Email: [email protected]
DisputeHive LLC
Attn: Privacy Officer
1234 Credit Lane, Suite 100
Wilmington, DE 19801