Privacy Policy

We collect information you submit, including contact details, account credentials, mailing address, date of birth, the last four digits of a Social Security number, consent records, credit reports, credit-report account data, dispute documents, bureau responses, and notes you add to a case.

For business-funding inquiries, we may collect business identity, ownership contact details, industry, revenue, requested amount and purpose, approximate credit range, and other application information. We also collect basic device, browser, IP address, session, email-delivery, and service-usage records.

We use information to authenticate users, provide requested services, analyze reports, identify potential reporting issues, prepare and track correspondence, organize bureau follow-ups, process billing, respond to support requests, prevent abuse, maintain audit records, improve the service, and comply with law.

Automated systems may assist with document extraction, classification, matching, and drafting. AI output can be incomplete or wrong and should be reviewed against the source records before action is taken.

If you request Money Field Notes, we use your email address, selected subjects, consent record, and email-delivery status to confirm the request, deliver the free learning series, honor preferences, prevent abuse, and process unsubscribes. The Academy and public guides remain available without subscribing.

We share information only as needed with service providers that support hosting, databases, email, document analysis, AI processing, payments, mail delivery, scheduling, security, and customer support. These providers process information for the services they provide to us.

When you request business funding, we may share your application with independent brokers, ISOs, and lenders so they can evaluate fit and contact you. When you authorize a credit dispute, information may be sent to credit bureaus, furnishers, debt collectors, mailing vendors, or an independent attorney you agree to speak with. We may also disclose information when required by law, to protect rights or safety, or in connection with a merger, financing, or sale of the business.

We do not sell personal information for money. Some state privacy laws define certain business transfers more broadly; you may contact us to ask about rights that apply where you live.

With your choice, we use Google Analytics 4 to understand visits and actions on public pages. The integration is configured with advertising features disabled and does not run on authenticated customer, administrator, or API routes. We do not send names, email addresses, credit reports, funding-application fields, or other case contents to analytics.

Analytics storage is denied by default until you allow it. You can decline when first asked or reopen Analytics choices from the website footer at any time. Google may process device, browser, page, coarse-location, and interaction information to provide aggregated measurement.

We use administrative, technical, and organizational safeguards designed to protect personal information. No storage or transmission method is completely secure. Do not upload information that the service does not request, including a full Social Security number outside an approved secure workflow.

We retain information for as long as needed to provide the service, document consent and regulatory compliance, resolve disputes, enforce agreements, and meet legal obligations. Retention periods vary by record type. We may retain de-identified or aggregated data that no longer reasonably identifies you.

You may request access, correction, or deletion of personal information, subject to identity verification and legal retention requirements. Depending on your state, you may have additional rights to know, correct, delete, obtain a portable copy, or limit certain uses of personal information. You may unsubscribe from marketing email, but we may still send transactional or legally required notices.

Money Field Notes uses email confirmation before activation. Every edition includes direct preference and unsubscribe links, and one-click unsubscribe requests take effect without requiring an account or login.

The service is not directed to children under 18, and we do not knowingly provide credit repair or business-funding services to them. We may update this policy as the service or law changes. The effective date above identifies the current version.

For privacy questions or requests, email privacy@creditorchard.com. Do not send full Social Security numbers, full credit reports, or other sensitive documents by ordinary email.