Privacy Policy

1. Our commitment

Dispute Nerds ("we," "us," or "our") provides AI-powered software that helps you analyze your credit reports and prepare dispute correspondence. Because the Service handles sensitive financial information, we design it to collect the minimum data needed and to keep that data private to you. This Privacy Policy explains what we collect, why, and the choices you have.

We do not sell your credit report data or personal information to third parties.

2. Information we collect

Information you provide

• Account information: name, email address, and password (stored as a one-way hash) when you register.
• Payment information: billing details processed by our payment provider. We do not store full card numbers on our servers.
• Your credit data: the credit report we receive from our credit monitoring partner, SmartCredit, when you link your account (in limited support cases, a report our staff add to your account for you), and documents you choose to provide for analysis.
• Correspondence and inputs: answers you give the interview engine, dispute drafts you approve, and notes you add.
• Map location: your US state, which you can change in Settings.

Information collected automatically

To show how many members are in each state on our community map, we estimate your state from your IP address when you sign up. When you confirm your identity during setup, we update it to the state for the ZIP you confirm. We don't store your IP address, and we never show your exact location. You can change your state or hide yourself from the map anytime in Settings.

• Usage data: pages viewed, features used, and device/browser information, used to operate and improve the Service.
• Cookies and similar technologies: used for authentication, security, remembering your preferences and, only with your consent, analytics and advertising (see Cookies below).

3. How we use your information

• To provide, operate, and maintain the Service;
• To analyze your credit report (received from SmartCredit when you link your account, or added by our staff in limited support cases) and generate dispute suggestions and correspondence drafts for your review;
• To authenticate you and secure your account;
• To process payments and manage your subscription;
• To provide support and respond to your requests;
• To detect, prevent, and address fraud, abuse, and security issues;
• To improve and develop features , including using de-identified or aggregated data to improve our AI models, never in a way that reveals your identity or specific account details to third parties.
• To comply with legal obligations.

4. How we share information

We share your information only as described here or as required by law. We do not sell your personal or credit data. Full posts, comments and profiles can be seen only by signed-in members. Titles of popular posts may show on our public homepage without your name or photo, a few member photos or initials may show there too, and anyone can see the homepage leaderboard (first name, rank, level and points, plus a profile photo if you added one). Our public homepage map shows only member counts by state, with no names or addresses.

Our public map shows how many members are in each state, based on your saved state. We never show your name, photo or address, and you can hide yourself anytime in Settings.

• Service providers: trusted vendors that help us operate , such as hosting, authentication, payments, and email delivery. They process data only on our behalf and under contractual obligations.
• Partner links: when you use a partner link (for example, to obtain a credit report), the partner receives information you provide directly to it. That interaction is governed by the partner's own privacy policy.
• Legal compliance: we may disclose information when required by law or to protect the rights, property, or safety of Dispute Nerds, our users, or others.
• Business transfers: in connection with a merger, acquisition, or sale of assets, we may transfer information subject to the confidentiality of this Policy.

If you accept marketing cookies, when you visit or log in to our website, cookies and similar technologies may be used by our online data partners or vendors to associate these activities with other personal information they or others have about you, including by association with your email or online profiles. We (or service providers on our behalf) may then send communications and marketing to these emails or profiles. You may opt out of receiving this advertising by clicking here.

5. How we store and protect your data

Your credit reports (received from SmartCredit when you link your account, or added by our staff in limited support cases) and the documents you provide are stored in private, access-controlled storage tied to your account. Access is restricted to authorized personnel and only as needed to operate the Service. We use encryption in transit and at rest.

We never ask you for, and do not store, your SmartCredit®, bureau, or other provider login credentials. An official partner API connection may be offered in the future, which would operate with your explicit, separate consent.

No method of storage or transmission is fully secure. We cannot guarantee absolute security, but we work to protect your information using reasonable safeguards.

6. Data retention

We retain your information for as long as your account is active or as needed to provide the Service. You may delete your account and request deletion of Your Content at any time; we will remove it within a reasonable period, except where we are required to retain it for legal, accounting, or security purposes. Aggregated or de-identified data may be retained indefinitely.

7. Your privacy rights and choices

Depending on where you live, you may have the right to:

• Access, correct, or delete the personal information we hold about you;
• Export a copy of your data;
• Withdraw consent to certain processing;
• Opt out of the "sale" or "sharing" of personal information;
• Object to or restrict certain processing.

You can manage many of these choices from your account settings. To make a request, email support@disputenerds.com. We will verify your identity before processing a request.

8. U.S. state privacy notices

Residents of states with specific privacy laws (such as California, Virginia, Colorado, and Connecticut) have the rights described above. We do not sell personal information as defined by those laws. Where applicable, you may designate an authorized agent to make requests on your behalf.

9. Children's privacy

The Service is not directed to anyone under 18, and we do not knowingly collect information from children. If you believe a child has provided us information, contact us and we will delete it.

10. International users

The Service is operated from the United States. If you access it from outside the U.S., your information is processed and stored in the U.S. and subject to U.S. law. By using the Service, you consent to that transfer.

11. Cookies

We use cookies and similar technologies for sign-in, security and site features. If you accept analytics cookies, we use analytics tools to understand how the site and app are used. If you accept marketing cookies, we also use advertising technologies, such as the Meta and TikTok pixels and our data partners' pixels, to measure our marketing and show you our ads on other sites. Advertising pixels load only after you accept, and never on signed-in pages that show your credit report, Findings, disputes, documents or account settings. On those pages, analytics records only page visits and basic app actions, not your report details. You can change your choice anytime with the Cookie settings link in the site footer or, when you are signed in, in your account menu, or through your browser settings. Turning off cookies needed for sign-in may limit some features.

12. Changes to this policy

We may update this Privacy Policy from time to time. We will post the updated version here with a new "Last updated" date. Material changes will be communicated through the Service. Continued use after changes take effect constitutes acceptance.

13. Contact

Questions about this Privacy Policy or a privacy request? Contact us at support@disputenerds.com.