Privacy Policy

1. Introduction

FSCFinCoach ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our credit repair platform and services.

By using FSCFinCoach, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

Personal Information

We may collect personally identifiable information, including but not limited to:

• Name and email address
• Phone number
• Mailing address
• Date of birth
• Social Security Number (last 4 digits, for verification purposes only)

Credit Information

When you use our services, we may collect:

• Credit reports you upload
• Credit scores
• Account information from credit reports
• Dispute history and correspondence

Financial Information

If you use our budgeting features:

• Bank account information (when you choose to link accounts)
• Transaction history
• Income and expense data

3. How We Use Your Information

We use the information we collect to:

• Provide and maintain our services
• Analyze your credit reports and identify potential errors
• Generate dispute letters on your behalf
• Track your credit repair progress
• Provide personalized recommendations and coaching
• Manage your account and access level
• Send you updates, alerts, and promotional communications
• Improve our services and develop new features
• Comply with legal obligations

4. Data Security

We implement industry-standard security measures to protect your personal information:

• 256-bit SSL/TLS encryption for data in transit
• AES-256 encryption for data at rest
• SOC 2 Type II certified infrastructure
• Regular security audits and penetration testing
• Multi-factor authentication options
• Role-based access controls for employees

5. Data Sharing and Disclosure

We do not sell your personal information. We may share your information with:

• Service Providers: Third-party vendors who assist in operating our platform
• Credit Bureaus: When sending dispute letters on your behalf (with your consent)
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In connection with a merger, acquisition, or sale of assets

6. Your Rights

You have the right to:

• Access and receive a copy of your personal data
• Correct inaccurate or incomplete information
• Request deletion of your personal data
• Opt-out of marketing communications
• Export your data in a portable format
• Withdraw consent at any time

7. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. If you delete your account, we will delete or anonymize your data within 30 days, except where we are required to retain it for legal or regulatory purposes.

8. Cookies and Tracking

We use cookies and similar tracking technologies to improve your experience:

• Essential Cookies: Required for the platform to function
• Analytics Cookies: Help us understand how users interact with our service
• Preference Cookies: Remember your settings and preferences

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18.

10. 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. We encourage you to review this policy periodically.