Effective Date: [Insert Date]
Last Updated: [Insert Date]
Clever Kit (“we,” “us,” or “our”) values your privacy. This Privacy Policy outlines how we collect, use, store, and protect your personal information when you use our platform, including our website, services, and tools.
1. Information We Collect
We collect the following types of information when you use Clever Kit:
A. Personal Information
- Name
- Email address
- Phone number (optional)
- Mailing address (for letter templates)
B. Credit Report Data
- Uploaded PDF credit reports
- Personal identifiers (e.g., name variations, SSN last 4 digits, addresses)
- Credit account details (creditors, balances, status, inquiries, etc.)
C. Usage Data
- IP address
- Browser type and device information
- Time spent on pages, clickstream data
D. Payment Information
- When purchasing a paid package, payment is processed securely via our third-party payment processor (e.g., Stripe). We do not store full credit card numbers on our servers.
2. How We Use Your Information
We use your data to:
- Analyze your credit report and generate customized dispute letters
- Provide personalized suggestions and legal formatting for disputes
- Improve the functionality and user experience of Clever Kit
- Communicate with you (e.g., updates, responses to support inquiries)
- Fulfill legal obligations and prevent fraudulent activity
3. Data Sharing and Disclosure
We do not sell your personal data.
We may share your information with:
- Service providers (e.g., hosting, analytics, email, document generation) only as needed to deliver services
- Third-party mailing services (e.g., USPS API, Lob) if you choose to mail letters directly through Clever Kit
- Legal authorities when required by law or to protect rights and safety
4. Data Storage and Security
- Data is encrypted at rest and in transit using industry-standard protocols
- Access to personal data is restricted to authorized personnel only
- Uploaded credit reports are stored securely and may be deleted upon user request
5. Your Rights
You have the right to:
- Access, correct, or delete your personal information
- Request that we no longer process your data
- Download your generated dispute letters and credit analysis
- Close your account and request permanent data deletion
To make a request, email us at [insert support email].
6. Cookies and Tracking
We may use cookies and tracking technologies to enhance your experience, monitor site performance, and analyze usage patterns. You can disable cookies through your browser settings.
7. Children’s Privacy
Clever Kit is not intended for users under the age of 18. We do not knowingly collect personal information from children.
8. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted here with a new effective date. We recommend reviewing it periodically.