This Privacy Policy explains how Scorepulse collects, stores, processes, and safeguards your information while using our platform and financial analysis tools.
Information We Collect
To provide accurate "loan readiness" and credit analysis, we collect the following categories of information:
| Category | Examples |
|---|---|
| Identity Data | Full name, Date of Birth, Social Security Number (last 4 digits), and physical address. |
| Financial Data | Credit scores, tradelines, payment history, and account balances pulled via secure APIs. |
| Contact Data | Email address and phone number for account alerts and support. |
| Technical Data | IP address, browser type, and device identifiers used for fraud prevention. |
How We Access Your Data
Scorepulse does not store your bank credentials. We use secure, read-only integrations through third-party partners such as Plaid.
You must explicitly authorize these connections. You can revoke access at any time through your Scorepulse dashboard.
How We Use Your Information
We use your data strictly for the following purposes:
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✓To generate AI-powered financial health and loan readiness reports.
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✓To identify potential inaccuracies in your credit profile for your review.
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✓To process subscription payments via our secure partners, Stripe and Airwallex.
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✓To detect and prevent fraudulent access to your account.
Scorepulse does not sell, rent, or trade your personal or financial information to third-party lenders, marketers, or lead generators. Your data is used only to power the tools you pay for.
Data Retention and Deletion
We retain your information only as long as your account is active.
If you choose to close your account, all associated financial data pulled via our API partners is purged from our active systems within 90 days, except where required by law for tax or audit purposes.
Security Standards
We implement bank-level security to keep your data safe:
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🔒Encryption: All data is encrypted at rest and in transit using 256-bit AES encryption.
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🛡Access Control: Only authorized personnel with a "need-to-know" basis can access support logs; they never see your full raw credit data.
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✓Compliance: We align our practices with the Fair Credit Reporting Act (FCRA) and Gramm-Leach-Bliley Act (GLBA) standards.
Cookies and Tracking
We use essential cookies to keep you logged in and functional cookies to remember your dashboard preferences.
We do not use third-party tracking pixels for behavioral advertising.
Your Rights
Depending on your location, you may have the right to:
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✓Request a copy of the data we hold about you.
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✓Request the correction of inaccurate personal data.
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✓Request the permanent deletion of your account and data.
Contact Our Privacy Officer
If you have questions about this policy or our data practices, please reach out: