Credit files are sensitive. Clearline collects the minimum needed to analyze your reports and prepare consumer-directed dispute materials, stores uploads in private storage, and never asks for your Social Security number or bureau, bank, or creditor login credentials.
1. Scope of this policy
This policy explains what information the Clearline Credit platform collects, how it is used, where it is stored, and the choices you have. It applies to the Clearline website and the client and staff areas of the application.
2. Information we collect
Clearline collects only what the platform needs to deliver your service:
- Account and profile data: name, email address, phone number, password credentials handled by our authentication provider, and your role in the platform.
- Intake data: the answers you provide in the Get Started questionnaire, including your goals, timeline, and the issues you select.
- Documents you upload: credit reports and supporting files, along with metadata such as file name, size, type, bureau, and report date.
- Case, analysis and dispute data: case status, findings, score snapshots, action plans, dispute rounds and items, and related staff work product.
- Agreements and signatures: the exact agreement text you signed, your typed signature, the version accepted, the price, and the timestamp.
- Communications: messages you send inside a case, notifications generated by the platform, and support email you send us.
- Technical and security data: log records, timestamps, and activity records used to operate and secure the platform.
3. How we use your information
- To deliver the services you purchased — analysis, action plans, and consumer-directed dispute materials.
- To create and maintain your account, authenticate you, and control access to your files.
- To generate and preserve a record of the agreements you sign and the payments you owe or have made.
- To communicate with you about your case, your account, and required next steps.
- To operate, secure, troubleshoot, and improve the platform.
- To meet legal, accounting, and recordkeeping obligations.
4. Who can see your data
Inside the platform, your documents, case records, and analysis are visible to you and to authorized Clearline staff working on your file. Access is enforced at the database level, and uploaded documents are stored in private storage that is not publicly reachable.
Internal staff notes and unpublished draft work product are restricted to Clearline staff and are not exposed to clients.
5. Service providers
Clearline uses third-party providers to run the platform, including hosting and application delivery, database and file storage, authentication, and email delivery. These providers process data on Clearline's behalf and only as needed to provide their service.
Clearline may also disclose information when required by law, to respond to lawful requests, to enforce its agreements, or to protect the rights and safety of users and the platform. If Clearline is involved in a merger, acquisition, or sale of assets, account data may transfer as part of that transaction.
6. Dispute materials sent to third parties
When you direct Clearline to prepare dispute materials, the information contained in those materials is intended to be sent to the credit bureaus or furnishers you identify. You review that material before it is used. Once information reaches a bureau, furnisher, or lender, their own policies govern how they handle it.
7. Retention
Clearline keeps account records, signed agreements, case records, and delivered analysis for as long as your account is active and afterward for the period needed to meet legal, tax, dispute-resolution, and recordkeeping obligations.
You may ask Clearline to delete documents you uploaded. Records that Clearline is required to retain — such as signed agreements and billing history — are kept even after related documents are removed.
8. Security
Data is transmitted over encrypted connections and stored with access controls that restrict each record to the account it belongs to and to authorized staff. Uploaded files live in a private storage bucket that requires an authenticated, authorized request.
No system is perfectly secure. Please use a strong, unique password and contact Clearline immediately if you suspect unauthorized access to your account.
9. Your choices
- You can view and update your profile details from inside your account.
- You can decline to provide optional intake details, though some services cannot proceed without your credit reports.
- You can request a copy or deletion of your personal information by emailing Clearline; we will respond as required by applicable law.
- You can close your account at any time by contacting support.
10. Children
The Service is intended for adults. Clearline does not knowingly collect personal information from anyone under 18. If you believe a minor has provided information, contact us and we will remove it.
11. Changes and contact
Clearline may update this policy. Material changes are reflected by a new effective date on this page.
Privacy questions, access requests, and deletion requests can be sent to support@clearlinecredit.net.
These baseline policies describe how the Clearline Credit platform operates. They do not replace the service agreement you sign before any paid service begins. If the signed service agreement gives you greater rights, that agreement controls.