Privacy Policy

1. Introduction

DisputeKit ("we," "us," or "our") operates this platform ("Service") and is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service. Please read this policy carefully. If you disagree with its terms, please discontinue use of the Service.

2. Information We Collect

We collect information in the following ways:

Information You Provide Directly

• Account registration data (name, email address, password)
• Credit report files you upload to the Service
• Payment information (processed by Stripe — we do not store card numbers)
• Communications you send us via contact forms or email

Information Collected Automatically

• Log data (IP address, browser type, pages visited, time and date of visits)
• Device information (hardware model, operating system, unique device identifiers)
• Usage data (features used, actions taken within the Service)
• Cookies and similar tracking technologies

Information from Third Parties

• Payment and transaction data from Stripe
• Analytics data from Meta Pixel
• Affiliate tracking data from Rewardful

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain the Service
• Process your credit report and generate dispute letters
• Process payments and manage your account
• Send transactional emails (account confirmation, receipt, support responses)
• Improve and personalize the Service
• Monitor and analyze usage trends and activity
• Detect, investigate, and prevent fraudulent transactions and other illegal activities
• Comply with legal obligations
• Attribute affiliate commissions through our partner program

We do not sell your personal information. We do not use your credit report or financial data for marketing purposes.

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on the Service and store certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier.

We use the following types of cookies:

• Essential cookies: Required for the Service to function (authentication, session management)
• Analytics cookies: Help us understand how visitors interact with the Service
• Marketing cookies: Used to track conversions and advertising effectiveness (Meta Pixel)
• Affiliate cookies: Track referrals for our partner program (Rewardful)

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, some parts of the Service may not function properly.

5. Uploaded Documents and Data Security

Your uploaded credit reports and financial documents are never stored. When you upload documents to DisputeKit, they are processed temporarily to generate your dispute letters and then immediately deleted from our systems. We do not retain copies of your credit reports, bank statements, or any other sensitive documents you share with the Service.

The dispute letters we generate are retained for your records and account history. You may delete your account and all associated data at any time through your account settings.

6. How We Share Your Information

We may share your information in the following limited circumstances:

• Legal requirements: If required by law, court order, or government regulation
• Business transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets
• Protection of rights: To protect the rights, property, or safety of us, our users, or others

All third-party service providers are contractually obligated to use your information only as necessary to provide services to us and are prohibited from using it for other purposes.

7. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you the Service. We retain uploaded credit reports and generated letters for the duration of your account. You may request deletion of your account and associated data at any time by contacting us. We may retain certain information as required by law or for legitimate business purposes after account deletion.

8. Security

We implement industry-standard security measures to protect your information, including encryption in transit (TLS/SSL), encrypted storage, access controls, and regular security reviews. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

9. Your Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Portability: Request a machine-readable copy of your data
• Opt-out: Opt out of marketing communications at any time

To exercise any of these rights, please contact us. We will respond within 30 days.

10. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete your personal information, and the right to opt out of the sale of your personal information. We do not sell personal information. To submit a CCPA request, please contact us.

11. Children's Privacy

The Service is not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that a child under 18 has provided us with personal information, we will take steps to delete such information.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date. You are advised to review this policy periodically for any changes. Your continued use of the Service after changes are posted constitutes your acceptance of the updated policy.

13. Contact

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us.