Privacy Policy

1. Introduction

Credit Defender ("we," "us," or "our") operates the website at yourcreditdefender.com and the Credit Defender mobile application (collectively, the "Service"). Credit Defender is a credit education platform — not a credit repair service. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.

By using the Service, you agree to the collection and use of information in accordance with this policy. If you do not agree with this policy, please do not use our Service.

2. Information We Collect

2.1 Account Information

When you create an account, we collect:

• Email address
• Full name
• Mailing address (street, city, state, ZIP code)
• Last four digits of your Social Security Number (SSN)
• Date of birth

2.2 Dispute and Letter Data

When you use our dispute tools, we collect:

• Dispute details (creditor names, account types, amounts)
• Letter content you create or generate using our templates
• Bureau selection (Equifax, Experian, TransUnion)
• Tracking numbers and delivery status for mailed letters

2.3 Uploaded Documents

You may upload identity verification documents (e.g., driver's license, utility bills) to include with your dispute letters. These documents are stored securely and used solely for the purpose of supporting your dispute.

2.4 Payment Information

Payment processing is handled by Whop. We do not store your credit card number, bank account number, or other financial payment information on our servers. Whop's privacy policy governs the collection and use of your payment data.

2.5 Usage Data

We automatically collect certain information when you use the Service, including:

• Device type and browser information
• IP address
• Pages visited and features used
• Date and time of access

3. How We Use Your Information

We use the information we collect to:

• Create and manage your account
• Generate dispute letters based on federal law templates
• Send physical certified mail on your behalf via USPS
• Track dispute progress, delivery status, and response deadlines
• Process payments for letter mailing services
• Provide customer support
• Improve and maintain the Service
• Comply with legal obligations

4. Third-Party Services

We use the following third-party services to operate Credit Defender:

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• Encryption of data in transit (TLS/SSL) and at rest
• Row-level security policies on database tables
• Secure authentication with session management
• Limited access to personal data on a need-to-know basis

While we strive to protect your personal information, no method of electronic storage or transmission is 100% secure. We cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide the Service. Dispute records and letter copies are retained to support ongoing disputes and for your reference. You may request deletion of your account and associated data at any time by contacting us.

7. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access — Request a copy of the personal data we hold about you
• Correction — Request correction of inaccurate personal data
• Deletion — Request deletion of your personal data
• Portability — Request a portable copy of your data
• Opt-out — Opt out of marketing communications

To exercise any of these rights, please contact us at the email address below.

8. Children's Privacy

The Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

9. 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 Privacy Policy on this page and updating the "Last updated" date. Your continued use of the Service after changes are posted constitutes your acceptance of the updated policy.

10. Contact Us

If you have questions about this Privacy Policy or your personal data, contact us at: