Privacy Policy

We collect the following categories of personal information when you use DN Credit Lab: IDENTITY & CONTACT DATA • Full name, email address, phone number, mailing address • Date of birth (for identity verification and dispute letters) • Government-issued ID documents (driver's license, passport) — uploaded for extraction only, not permanently stored in raw form • Social Security Number (SSN) — stored in AES-256 encrypted form only; never stored in plain text CREDIT & FINANCIAL DATA • Credit reports (Equifax, Experian, TransUnion) uploaded by the user • Credit scores and score history across bureaus • Negative items, tradelines, hard inquiries, and dispute history • Billing and payment information (processed via Authorize.Net or Square; card details are NOT stored by DN Credit Lab) • Invoice and transaction history PLATFORM ACTIVITY DATA • Dispute letters generated, sent, and their outcomes • AI workflow usage and prompts submitted (anonymized for quality improvement) • Course progress, quiz attempts, and educational content interactions • Login timestamps, session data, IP address, browser type, and device type • Feature usage analytics (buttons clicked, pages visited) MANAGED CLIENT DATA (Coaches only) • Client profiles including name, contact info, credit data, and dispute history managed by the coach on behalf of their clients • Client signatures and signed agreements • Client billing plans and invoice records COMMUNICATION DATA • Messages sent via the in-app coach-client messaging system • Support requests and contact form submissions • Email communication preferences and opt-in/opt-out records (TCPA consent logs) AFFILIATE & REFERRAL DATA • Referral codes, affiliate links clicked, commission records, and payout history AI-GENERATED DATA • Content generated by AI features (dispute letters, analyses, recommendations) is stored to provide the service and may be used in anonymized form to improve AI accuracy. No raw PII is used to train external AI models.

We may use personal information to provide and maintain the platform, process subscriptions, free trials, and payments, generate analyses and documents, respond to inquiries and support requests, send service-related notices, improve features, perform research and analytics, prevent fraud, protect rights and safety, and comply with legal obligations.

We may share information with service providers that help us operate the platform, including hosting, storage, analytics, communications, payment, and support providers, only to the extent reasonably necessary and under confidentiality or data protection obligations.

We apply commercially reasonable technical, administrative, and organizational safeguards to protect personal information from unauthorized access, loss, misuse, alteration, or disclosure, including access controls, monitoring, and encryption for sensitive fields where applicable.

We retain data only as long as needed to provide services, enforce agreements, resolve disputes, or meet legal obligations. The platform is not intended for children under 13.

COOKIES & TRACKING We use essential cookies and local storage to maintain sessions and user preferences. We do not use advertising tracking cookies. You may disable cookies in your browser settings, but some platform features may not function properly. THIRD-PARTY DATA PROCESSORS DN Credit Lab shares data with the following trusted processors solely to operate the platform: • Authorize.Net / Visa — Payment processing (billing data) • Square — Payment processing for coach-client billing • Lob.com — USPS mailing of dispute letters (mailing address, letter content). Mailings are sent through the user's own connected Lob.com account and billed directly by Lob to that account • Twilio — WhatsApp and SMS communications (phone number, message content) • OpenAI / Google (Gemini) / Anthropic (Claude) — AI-powered dispute letter generation and analysis (submitted content processed under their data processing agreements; no PII used for model training) • CourtListener — Public case law lookup (no PII transmitted) • IONOS — Email delivery and domain/DNS services • Base44 — Application hosting, authentication, and database infrastructure Each processor is bound by a Data Processing Agreement (DPA) or equivalent. We do not sell personal data to any third party. POLICY CHANGES We may update this Privacy Policy from time to time. Material changes will be communicated via email or an in-app notice. Continued use of the platform after changes constitutes acceptance of the updated policy.

For privacy questions: info@dncreditlab.com