Privacy policy

1. Introduction

Flow Credit Solutions (“we,” “our,” or “us”) is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you use our credit repair services or visit our website.

By using our services, you consent to the data practices described in this policy. If you do not agree with the terms of this Privacy Policy, please do not use our services.

2. Information We Collect

Personal Information

We collect the following personal information when you enroll in our services:

• Full legal name, date of birth, and Social Security Number (last 4 digits or full SSN as needed for credit bureau disputes)
• Current and previous mailing addresses
• Phone number and email address
• Government-issued photo identification (driver's license or state ID)
• Credit reports from Equifax, Experian, and TransUnion
• Payment information processed through our secure payment provider

Automatically Collected Information

When you visit our website, we may automatically collect:

• IP address and browser type
• Pages viewed and time spent on the site
• Referring website URL
• Device type and operating system

3. How We Use Your Information

We use your personal information exclusively for the following purposes:

• Analyzing your credit reports to identify inaccurate, misleading, or unverifiable information
• Preparing and sending dispute letters to credit bureaus and furnishers on your behalf
• Communicating with credit bureaus (Equifax, Experian, TransUnion) regarding your disputes
• Communicating with debt collectors and original creditors as part of the dispute process
• Tracking dispute deadlines and managing your case
• Filing regulatory complaints (CFPB) when bureaus fail to comply with federal law
• Sending you status updates, results, and case notifications via email and SMS
• Processing your payment
• Improving our services and website

4. Data Security

We implement industry-standard security measures to protect your personal information, including:

• Encrypted data transmission (TLS/SSL) for all data in transit
• Encrypted storage for sensitive personal information including SSNs and identification documents
• Access controls limiting personnel who can view your personal information
• Secure payment processing through PCI-compliant payment providers
• Regular security reviews of our systems and processes

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

5. Third-Party Disclosure

We may share your personal information with the following third parties solely in connection with providing our credit repair services:

• Credit Bureaus: Equifax, Experian, and TransUnion -- to submit disputes on your behalf
• Creditors and Debt Collectors: To send debt validation requests and direct furnisher disputes
• Regulatory Agencies: CFPB -- when filing complaints on your behalf
• USPS: For certified mail delivery of dispute letters
• Payment Processors: To process your payment securely
• AI Provider: A third-party artificial intelligence provider that generates the replies in our website chat assistant, described in section 7

We do not sell, trade, or rent your personal information to third parties for marketing or any other purpose unrelated to our services.

6. Cookies and Tracking

Our website may use cookies and similar tracking technologies to improve your browsing experience. Cookies are small data files stored on your device. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, some features of the website may not function properly without cookies.

We may use cookies for:

• Maintaining your session when logged in
• Remembering your preferences
• Understanding how you interact with our website
• Analyzing website traffic and usage patterns

7. AI Chat Assistant

Our website offers an AI chat assistant so you can ask about credit reporting, our plans, and how signing up works at any hour. When you send a message, we pass it to a third-party artificial intelligence provider that generates the reply. What we send is your message, the page you were on, and a random session identifier that lets the conversation follow you from one page to the next. We do not send your name, your credit report, or anything from your client file.

Conversations are retained for a limited period so we can operate the assistant, look into a question you raised, and improve the answers it gives. They are not sold, and they are not used for marketing.

Please do not type your Social Security number, account numbers, card numbers, or passwords into the chat. Before a message leaves our website we automatically replace numbers that look like a Social Security number or a payment card, but that filter is a safeguard, not a guarantee. If you need to give us something sensitive, call us or upload it in your client portal.

The assistant gives general information, not legal advice, and it cannot see your credit file, your documents, or your account. For anything about your own file, call (425) 610-7779 or sign in to your client portal.

8. FCRA Compliance

As a credit repair organization, we operate in full compliance with the Fair Credit Reporting Act (FCRA), the Credit Repair Organizations Act (CROA), and all applicable state laws governing credit repair services. Your rights under these laws include:

• The right to cancel our services within 3 business days of signing the contract
• The right to a complete explanation of our services before enrolling
• The right to know the total cost of our services before enrolling
• The right to dispute inaccurate information on your credit report directly without using our services
• The right to obtain a copy of your credit report from each bureau once per year at no cost

9. Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes described in this policy. After your case is closed, we may retain certain records for up to 7 years as required by law or for our legitimate business purposes, including resolving disputes and enforcing agreements.

You may request deletion of your personal information by contacting us at info@flowcreditsolutions.com. We will process your request within 30 days, subject to any legal obligations to retain certain information.

10. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Right to access your personal information we hold
• Right to correct inaccurate personal information
• Right to request deletion of your personal information
• Right to opt out of marketing communications
• Right to data portability

To exercise any of these rights, contact us at info@flowcreditsolutions.com.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on this page with a revised “Last updated” date. Your continued use of our services after any changes constitutes your acceptance of the updated policy.

12. Contact Information

If you have any questions about this Privacy Policy or our data practices, contact us at: