Privacy Policy

1. Introduction

Welcome to Ascora. We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our services.

2. Information We Collect

We collect the following types of information:

• Personal information (name, email address, phone number)
• Financial information (credit history, payment information)
• Usage data (how you interact with our services)
• Device information (IP address, browser type)

3. How We Use Your Information

Your information is used for:

• Providing credit score monitoring services
• Improving our services
• Communicating with you about your account
• Fraud prevention and security

4. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction.

5. Third-Party Services

We may use third-party services to process your information. These service providers are contractually obligated to protect your data and can only use it for specified purposes.

6. Your Rights

You have the right to:

• Access your personal data
• Correct inaccurate data
• Request deletion of your data
• Opt-out of marketing communications

7. Children's Privacy

Our services are not intended for children under 13. We do not knowingly collect information from children under 13.

8. Changes to This Privacy Policy

We may update this Privacy Policy periodically. We will notify you of any material changes by posting the new Privacy Policy on this page.

9. FCRA Disclosures

The Fair Credit Reporting Act ("FCRA") allows you to obtain from each national credit reporting agency a disclosure of all the information in your credit file at the time of the request. Full disclosure of information in your file at a credit reporting agency must be obtained directly from such credit reporting agency. The credit reports provided or requested through the Website or Services are not intended to constitute the disclosure of information by a credit reporting agency as required by the Fair Credit Reporting Act or similar laws.

Under the Fair Credit Reporting Act you are entitled to receive an annual free disclosure of your credit report from each of the national credit reporting agencies (i.e. Experian, Equifax and TransUnion).

To obtain the free reports, you can:

• Call 1-877-322-8228;
• Order online at www.annualcreditreport.com; or
• Complete the Annual Credit Report Request Form, available at www.ftc.gov/credit, and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You are also entitled to receive a free copy of your credit report from a credit reporting agency if:

• You have been denied or were otherwise notified of an adverse action related to credit, insurance, employment, or a government granted license or other government granted benefit within the past sixty (60) days based on information in a credit report provided by such agency.
• You have been denied house/apartment rental or were required to pay a higher deposit than usually required within the past sixty (60) days based on information in a credit report provided by such agency.
• You certify in writing that you are unemployed and intend to apply for employment during the sixty (60) day period beginning on the date on which you made such certification.
• You certify in writing that you are a recipient of public welfare assistance.
• You certify in writing that you have reason to believe that your file at such credit reporting agency contains inaccurate information due to fraud.

The FCRA also permits consumers to dispute inaccurate information in their credit report without charge. Accurate information cannot be changed. You do not have to purchase your credit report or other information to dispute inaccurate or incomplete information in your credit file maintained by the credit reporting agencies.

Any Credit Report you request is not intended to constitute the disclosure of information required by the FCRA or similar state laws.

In addition, if you reside in the state of Colorado, Maine, Maryland, Massachusetts, New Jersey, or Vermont, you are entitled to receive a free copy of your credit report once a year and if you reside in the state of Georgia, you are entitled to receive a free copy of your credit report twice a year. If you are a resident of Mississippi, then beginning in 2016, you are entitled to free credit reports for three (3) years. Otherwise, a consumer reporting agency may impose a reasonable charge for providing you with a copy of your credit report.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at support@icreditscore.com