Privacy Policy

What we collect

When you use the contact form, we collect your name, your email address and your message.

Like most websites, our web server may record technical request data such as IP addresses in its logs. The form and login protections keep short-lived counters based on a scrambled version of your IP address, which are used only to limit abuse.

What we ask you not to send

Please don’t send Social Security numbers, full card or account numbers, or credit reports through this website. The contact form refuses messages that appear to contain a Social Security or card number, and it doesn’t accept file uploads.

How we use it

We use contact form information to read and respond to your message, and to keep the website secure. We don’t sell it.

Your name, email and message are also copied into the customer relationship management (CRM) system we use to follow up on inquiries.

Member accounts and the AI assistant

If you create an account, we store the information you enter in the app, such as accounts, scores, disputes and action items, so you can use it. Documents you upload are encrypted. You can download your data or close your account, which deletes it, from the Account page.

If you use the AI assistant, your questions and the conversation are sent to Anthropic, which provides the AI model, to write the answers. A summary of the information you entered is included only if you turn that on. Don’t include your Social Security number, account numbers or other private details in questions.

Cookies and tracking

The public pages of this website don’t use advertising or analytics trackers. Sign-in cookies are set when members or staff sign in.

Links to other sites

We link to government and other websites. Their own privacy policies apply when you visit them.

Contact

Questions about this policy can be sent through our contact page.