Privacy Policy

1. Information We Collect

Personal Information:

• Name, email address, and phone number
• Account credentials and authentication data
• Billing and payment information (processed securely via Stripe)

Credit Report Data:

• Credit report files you upload
• Parsed account and personal information from reports
• Generated dispute letters and correspondence

Usage Information:

• Platform usage analytics and performance data
• IP addresses, browser information, and device data
• Communication preferences and opt-in status

2. How We Use Your Information

We use your information to:

• Provide our software platform and services
• Generate credit dispute letters based on your data
• Process payments and manage subscriptions
• Send service-related communications
• Improve our platform and user experience
• Comply with legal obligations and consent tracking

3. Information Sharing

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

• Service Providers: Stripe for payments, SendGrid for emails, Lob for certified mail
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In connection with mergers or asset sales

We never share your credit report data with third parties for marketing purposes.

4. Data Security

We protect your information through:

• Encryption of data in transit and at rest
• Secure authentication and access controls
• Regular security monitoring and updates
• Compliance with industry security standards

5. Your Rights and Choices

Communication Preferences:

• Opt out of marketing emails at any time
• Manage SMS preferences in your account settings
• Unsubscribe links in all marketing communications

Data Rights:

• Access: Request a copy of your data via /account/export
• Deletion: Request account deletion via /account/delete-request
• Correction: Update your information in account settings
• Portability: Download your data in standard formats

6. Data Retention

We retain your information:

• Account data: For the duration of your account plus 7 years for compliance
• Credit reports: Until you delete them or close your account
• Generated letters: For your reference until account closure
• Consent records: As required by law for audit purposes

7. Cookies and Analytics

We use cookies and similar technologies for:

• Authentication and session management
• Platform functionality and user preferences
• Analytics to improve our services
• Security and fraud prevention

8. Children's Privacy

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

9. International Users

By using our services, users outside the United States consent to the transfer and processing of their information in the United States.

10. Changes to This Policy

We may update this privacy policy from time to time. We will notify you of material changes via email or platform notification.

11. Contact Us

For privacy-related questions or to exercise your rights:

• Email: privacy@oriumai.com
• Data Export: Request Data Export
• Account Deletion: Request Account Deletion