Privacy Policy

1. Information We Collect

1.1 Information You Provide

• * Full legal name, date of birth, Social Security number (SSN)
• * Email address, phone number, mailing address
• * Payment and billing information (processed through PCI-compliant processors)
• * Identity verification documents when required
• * Communications you send to our support team

1.2 Information We Collect Automatically

• * Device information (browser type, OS, IP address)
• * Usage data (pages visited, features used, session duration)
• * Cookies and similar tracking technologies

1.3 Information from Third Parties

• * Credit report data from Experian, Equifax, and TransUnion (with your authorization)
• * Dark web monitoring results from security partners
• * Identity verification data from authentication services

2. How We Use Your Information

• * Providing credit monitoring, alerts, and identity protection services
• * Verifying your identity and authenticating your account
• * Processing payments and managing your subscription
• * Sending service-related communications and alerts
• * Improving our services through analytics and research
• * Complying with legal obligations (FCRA, GLBA, CCPA)

3. Information Sharing & Disclosure

We do NOT sell your personal information. We may share data with:

• * Credit Bureaus: To retrieve your credit data with your authorization
• * Service Providers: Payment processors, cloud hosting, analytics (under strict DPAs)
• * Legal Compliance: When required by law, court order, or regulatory authority
• * Business Transfers: In connection with a merger, acquisition, or sale of assets

4. Your Rights

5. Data Security

We implement industry-leading security measures including AES-256 encryption at rest, TLS 1.3 in transit, zero-knowledge architecture for sensitive data, SOC 2 Type II certified infrastructure, regular penetration testing, and 24/7 security monitoring.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide services. After account closure, we retain data for up to 7 years as required by federal financial regulations (FCRA, GLBA) and tax compliance requirements.

7. Contact Us