Privacy Policy
Last updated: March 2026 | Governing law: State of Ohio, United States
ScoreUp AI ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform at scoreupai.com.
1. Information We Collect
Information you provide directly:
- Name and email address (account registration)
- Self-reported approximate credit scores
- Self-reported information about items on your credit report
- Goals and preferences you enter into the platform
- Payment information (processed securely by Stripe — we do not store card numbers)
Information collected automatically:
- Browser type, operating system, and device information
- IP address and general location
- Pages visited and time spent on platform
- Referring website
What we do NOT collect:
- Your full Social Security Number
- Your full credit report
- Data from credit bureaus (we never pull your credit)
- Your full account numbers
2. How We Use Your Information
- To provide and personalize the ScoreUp AI platform and features
- To generate AI-powered roadmaps and dispute letter templates
- To process payments and manage subscriptions
- To send account-related emails and service updates
- To improve our platform, features, and AI models
- To comply with legal obligations
3. How We Share Your Information
We do not sell your personal information. We may share data with:
- Service providers: OpenAI (AI processing), Stripe (payments), hosting providers — all under data processing agreements
- Legal requirements: When required by law, court order, or government request
- Business transfers: In connection with a merger, acquisition, or sale of assets
4. Data Security
We implement industry-standard security measures including encryption in transit (HTTPS/TLS) and at rest. However, no method of transmission or storage is 100% secure. You use our platform at your own risk.
5. Data Retention
We retain your account information for as long as your account is active or as needed to provide services. You may request deletion of your data at any time by emailing privacy@scoreupai.com.
6. Cookies
We use cookies and similar technologies to maintain your session, remember preferences, and analyze platform usage. You can disable cookies in your browser settings, though this may affect platform functionality.
7. Third-Party Links
Our platform may link to third-party websites (AnnualCreditReport.com, IRS.gov, etc.). We are not responsible for the privacy practices of third-party sites.
8. Children's Privacy
ScoreUp AI is not directed to individuals under 18. We do not knowingly collect information from minors. If you believe a minor has provided us personal data, contact us immediately.
9. Your Rights
Depending on your jurisdiction, you may have rights to:
- Access the personal data we hold about you
- Request correction of inaccurate data
- Request deletion of your data
- Opt out of marketing communications
To exercise these rights, contact privacy@scoreupai.com.
10. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of significant changes via email or platform notification. Continued use of the platform constitutes acceptance of the updated policy.
11. Contact
Privacy questions: privacy@scoreupai.com
ScoreUp AI | Ohio, United States