Key points: we collect the details you enter when you ask for help with your credit, plus technical data about your visit. We never ask for your Social Security number, account numbers or full date of birth on our website, and we never pull your credit. With your consent, we share your request with credit services partners who may contact you, and we may be paid for that. You can opt out, request access or deletion, and stop communications at any time.
Who this notice covers
This Privacy Notice applies to BetterStandingHub ("BetterStandingHub," "we," "us," "our") and to personal information we collect through betterstandinghub.com, our forms, and the emails, texts and calls we send or make (the "Services"). It does not cover information collected by our partners or other third parties, which follow their own privacy policies.
Information we collect
Information you provide
- Identifiers and contact information: first and last name, email address, phone number and state of residence.
- Credit situation details: your goal (for example, fixing errors or rebuilding), an estimated credit score range, types of items you believe appear on your credit report, and your timeline.
- Consent records: whether you agreed to be contacted, the wording you saw, and the date, time and technical details of your agreement.
- Correspondence: anything you send us through our contact or privacy request forms, by email or by phone.
We do not collect Social Security numbers, bank or card account numbers, credit report files or full dates of birth through our website.
Information collected automatically
- IP address, browser type, device type, operating system and language;
- pages viewed, referring URLs, ads clicked, time on page, scrolling and form interactions;
- approximate location derived from your IP address or state; and
- cookie, pixel and similar identifiers, as described in our Cookie Notice.
Information from third parties
We may receive information from advertising partners and publishers that referred you, phone and email validation services, fraud-prevention vendors and our partners, and we may combine it with information we hold.
How we use information
- To provide the Services, including suggesting a path based on your answers and connecting you with partners that may be able to help;
- To share your request with partners consistent with your consent;
- To contact you by email, phone or text about your request and related offers, where permitted;
- To verify information, prevent fraud and spam, and secure our systems;
- To keep consent records and comply with laws such as the Telephone Consumer Protection Act, the CAN-SPAM Act and state privacy laws;
- To analyze and improve the Services and our educational content; and
- To advertise our Services and measure advertising performance.
Who we share information with
| Recipient | Purpose |
|---|---|
| Credit services partners: credit repair companies, credit counseling organizations and other financial services providers | To review your request and contact you about their services. Partners handle your data under their own privacy policies. |
| Service providers | Hosting, analytics, email and SMS delivery, call routing, consent recording, data validation and fraud prevention on our behalf. |
| Advertising and analytics companies | To measure traffic and conversions and to show ads for our Services, including via cookies and pixels. |
| Legal and regulatory recipients | When required by law or legal process, or to protect the rights, property or safety of BetterStandingHub, our users or others. |
| Business successors | In connection with a merger, acquisition, financing or sale of assets. |
Under some state laws, sharing your request with partners in exchange for compensation may be a "sale," and allowing advertising cookies may be "sharing" or "targeted advertising." You may opt out as described below.
Calls, texts and emails
If you consent on our form, BetterStandingHub and its partners may contact you by phone and text, including with automated technology and prerecorded or artificial voice messages. Consent is never required to buy anything. See our Communication Consent page. To stop, reply STOP to a text, ask the caller to stop, unsubscribe from an email, or contact us. Partners keep their own lists, so you may also need to opt out with them directly.
Browser privacy signals
Where required by law, we honor Global Privacy Control (GPC) signals as an opt-out of the sale and sharing of personal information from that browser. We do not respond to "Do Not Track" signals because no common standard exists.
Your privacy rights
Depending on your state of residence, including California, Colorado, Connecticut, Delaware, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah and Virginia, you may have the right to:
- know or access the personal information we hold about you;
- delete personal information we collected from you;
- correct inaccurate personal information;
- receive a portable copy of your information;
- opt out of the sale or sharing of personal information, targeted advertising and certain profiling;
- limit the use of sensitive personal information, where applicable; and
- appeal our decision on your request, and contact your state Attorney General if your appeal is denied.
We will not discriminate against you for exercising these rights. To submit a request, use our Privacy Requests page, email [email protected] or call (602) 555-0139. We verify requests to know, delete and correct by matching information you provide to our records. Authorized agents may submit requests with your signed permission. We respond within 45 days, or as otherwise required by law.
California disclosures
In the past 12 months we collected the categories below. We disclosed each for business purposes to service providers, and sold or shared them as noted:
| Category | Examples | Sold / shared to |
|---|---|---|
| Identifiers | Name, email, phone, IP address, cookie IDs | Credit services partners; advertising companies |
| Customer records (Cal. Civ. Code § 1798.80(e)) | Name, phone, general credit situation | Credit services partners |
| Commercial information | Services you're interested in, goals and timeline | Credit services partners |
| Internet activity | Browsing and form interaction data | Advertising and analytics companies |
| Geolocation (approximate) | State, IP-based region | Credit services partners |
| Inferences | Likely credit-related needs | Credit services partners |
We do not knowingly sell or share personal information of consumers under 16, and we do not offer financial incentives for personal information. California residents may also request information about disclosures to third parties for direct marketing under the "Shine the Light" law.
Retention
We keep personal information only as long as needed for the purposes described here. Consent records may be kept for up to five years to show compliance with telemarketing laws, and analytics data generally for up to 26 months. We then delete or de-identify it.
Security
We use reasonable administrative, technical and physical safeguards, including encrypted connections, to protect personal information. No method of transmission or storage is completely secure.
Children
Our Services are for adults 18 and older. We do not knowingly collect personal information from minors. Contact us if you believe a minor has provided information, and we will delete it.
Partners' privacy practices
Partners that contact you may be subject to the Gramm-Leach-Bliley Act and other privacy laws and will provide their own privacy notices. Please review them before sharing sensitive information such as your Social Security number or credit reports.
Changes to this notice
We may update this Privacy Notice from time to time. The "Last updated" date shows the latest version. Material changes will be communicated as required by law.