Privacy Policy

1. Information We Collect

To provide our credit repair services effectively, we collect several categories of personal information directly from you and from third-party sources:

Personal Identification Information

• Full legal name, date of birth, and Social Security Number (SSN) — required to pull your credit reports and submit disputes on your behalf
• Current and previous mailing addresses for identity verification with credit bureaus
• Phone number and email address for service communications and account updates

Credit & Financial Information

• Credit reports obtained from Equifax, Experian, and TransUnion with your written authorization
• Account details, payment histories, collection records, public records, and inquiry information contained in your credit files
• Documentation you provide to support dispute claims, such as payment receipts, identity theft reports, or correspondence with creditors

Usage & Technical Data

• Browser type, operating system, IP address, and device identifiers when you visit our website
• Pages visited, time spent, referring URLs, and click patterns collected via analytics tools
• Cookies and similar tracking technologies used to improve site functionality and user experience

3. Information Sharing & Disclosure

We do not sell, rent, or trade your personal information to third parties for marketing purposes. We share your information only in the following circumstances:

• Credit bureaus (Equifax, Experian, TransUnion) — to obtain your credit reports and submit disputes on your behalf, as authorized by you in writing
• Creditors, lenders, and collection agencies — when submitting dispute letters or requesting verification of debts as part of our credit repair services
• Payment processors — to securely process your monthly service fees; we do not store full payment card numbers on our servers
• Legal compliance — when required by law, subpoena, court order, or government investigation, or to protect our legal rights, safety, or property
• Service providers — trusted vendors who assist with secure data storage, email delivery, and website hosting, all bound by strict confidentiality agreements

We will never share your Social Security Number, credit report data, or financial information with any party not directly involved in providing your credit repair services.

5. Your California Privacy Rights (CCPA/CPRA)

If you are a California resident, the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA) provide you with specific rights regarding your personal information:

• Right to Know — You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources, our business purposes for collecting it, and the categories of third parties with whom we share it
• Right to Delete — You may request that we delete the personal information we have collected from you, subject to certain exceptions required by law (such as completing an ongoing transaction or complying with a legal obligation)
• Right to Opt-Out — You have the right to opt out of the sale or sharing of your personal information. Flow Credit Solutions does not sell your personal information. If this practice ever changes, we will provide a clear opt-out mechanism
• Right to Non-Discrimination — We will not deny you services, charge different prices, or provide a different quality of service because you exercise your privacy rights under the CCPA/CPRA
• Right to Correct — You may request that we correct inaccurate personal information we maintain about you

To exercise any of these rights, contact us using the information provided in Section 7 below. We will verify your identity before fulfilling your request and respond within 45 days as required by law.

7. Contact for Privacy Concerns

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about how your personal information is handled, please contact our Privacy Officer: