Privacy Policy

Last Updated: September 16, 2026

1. INTRODUCTION

Solid Credit, Inc. ("Solid Credit," "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 website, mobile application, and credit monitoring and credit building services (collectively, the "Services").

As a company that handles sensitive financial and credit information, we take our privacy obligations seriously. We comply with the Gramm-Leach-Bliley Act ("GLBA"), the Fair Credit Reporting Act ("FCRA"), and other applicable federal and state privacy laws.

Federal law gives you the right to limit some but not all sharing. Please read this Privacy Policy carefully to understand what we do. By using our Services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with this Privacy Policy, do not use our Services.

This Privacy Policy forms part of and should be read in conjunction with the Terms of Use. This Privacy Policy should also be read alongside our GLBA Privacy Notice, which provides a summary of how we collect, share, and protect your personal information as required by federal law.

2. INFORMATION WE COLLECT

2.1 Information You Provide

When you create an account and use our Services, we collect your:

Name, email address, mailing address, and phone number;
Date of birth;
Social Security Number or Individual Taxpayer Identification Number (ITIN) (for identity verification and credit report access);
Account credentials;
Employment information and income;
Rent and utility payment history;
Bank account information; and
Information about items on your credit report you wish to address.

Why we collect your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN): We use your SSN or ITIN to accurately identify your credit file and ensure we provide you with your own credit information, not someone else's. Your SSN or ITIN is encrypted and stored securely.

2.2 Credit Information

With your authorization, we obtain your credit information from credit reporting agencies or their authorized resellers, including:

Credit reports and credit scores;
Account history and payment information;
Public records (bankruptcies, liens, judgments); and
Credit inquiries and negative items.

2.3 Information from Third Parties

We may receive information about you from:

Data enrichment providers to verify and supplement your information;
Social media platforms (if you register using your social media login); and
Public databases.

2.4 Automatically Collected Information

When you use our Services, we automatically collect:

Device information (device type, operating system, browser type);
IP address and approximate location;
Usage data (pages visited, features used, time spent); and
Cookies and similar tracking technologies (see Section 5).

3. HOW WE USE YOUR INFORMATION

We use your information to:

Provide Credit Monitoring: Access your credit reports, display credit scores, and alert you to changes.
Provide Credit Building Services: Report your qualifying rent, utility, and other payments to credit bureaus.
Verify Your Identity: Confirm you are who you say you are before accessing sensitive information.
Process Payments: Charge subscription fees and process refunds.
Communicate with You: Send service updates, credit alerts, and marketing communications.
Improve Our Services: Analyze usage patterns and develop new features.
Deliver Relevant Advertising: Show you ads for our services on other platforms.
Ensure Security: Detect and prevent fraud and unauthorized access.
Comply with Legal Obligations: Fulfill requirements under FCRA, GLBA, and other laws.

We share the information that we collect from you with the third parties as detailed below. We do so for our everyday business purposes and marketing purposes. We note that we have contractual agreements with such third parties to ensure your information is not disclosed or used in ways other than to carry out the Services. When you are no longer our customer, we continue to share the information collected, as described in this Privacy Policy, with these third parties.

4.1 Credit Reporting Sources

We share your information (including SSN or ITIN, name, address, date of birth) with credit reporting agencies or their authorized resellers to access your credit reports and scores, and to report your qualifying payments for credit building services.

4.2 Service Providers

We share information with vendors who provide services on our behalf, including:

Payment processors — Finix Payments, Inc. (card payments) and Straddle (bank account / ACH payments), together with their sponsor banks, which receive the payment details you provide (such as card number or bank account and routing numbers, billing name and address, and email) solely to process your subscription payments and refunds;
Cloud hosting and data storage providers;
Foundational AI model providers;
Customer support platforms;
Email and communication services;
Analytics providers; and
Identity verification services.

4.3 Affiliates

We do not currently have any corporate affiliates. We do not share your information with affiliates for marketing purposes.

4.4 Advertising Platforms

We may share certain information (such as your email address or phone number) with advertising platforms (such as Facebook and Google) to show you relevant advertisements about our Services and measure advertising effectiveness. We do not sell your personal information.

4.5 Legal and Compliance

Where we believe it necessary and appropriate to do so, we may share your information with: law enforcement; government agencies or regulators; courts; parties to legal proceedings in which a subpoena or legal request has been brought to which such information would be responsive. In those circumstances we will make reasonable efforts to disclose only that information that is relevant to the reason for disclosure and to protect the privacy of such information to the extent reasonably possible.

4.6 Business Partners

If we are involved in a merger, acquisition, or sale of assets, we may share or transfer your personal information as part of that transaction.

4.7 Financial Data Services

Solid Credit uses Plaid Inc. ("Plaid") to gather your data from financial institutions. By using our Services, you grant Solid Credit the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid End User Privacy Policy. When you link a bank account, we use Plaid Inc. ("Plaid") to collect account information from your financial institution. Plaid processes this information in accordance with its Plaid End User Privacy Policy. For details about how we use linked account data, see our Account Data Usage Authorization.

5. COOKIES AND TRACKING TECHNOLOGIES

We use cookies, pixels, and similar tracking technologies to collect information about your browsing activities. These technologies help us analyze website traffic, remember your preferences, and deliver relevant advertising.

Types of cookies we use:

Essential Cookies: Required for the website to function (authentication, security)
Analytics Cookies: Help us understand how you use our website
Advertising Cookies: Used to deliver relevant advertisements and measure campaign effectiveness
Preference Cookies: Remember your settings and preferences

You can manage cookies through your browser settings. Note that disabling certain cookies may affect the functionality of our Services.

6. YOUR CHOICES

While you cannot limit the sharing of certain personal information we collect and share as we need it to run our business, you have the following choices regarding your information:

Marketing Emails: You may choose not to receive marketing emails. You may unsubscribe by clicking the "unsubscribe" link in any marketing email.
Account Information: You may update your information in your account settings.
Cookies: You may manage the cookies we collect through your browser settings.

7. DATA SECURITY

At Solid Credit, we treat your personal information with the same level of care as a major financial institution and use security measures that comply with federal law. We employ a "Defense-in-Depth" strategy to ensure your sensitive information, including your SSN or ITIN and credit data, remains protected:

Bank-Grade Encryption: We utilize industry-standard AES-256 encryption for data at rest and TLS 1.2 (or higher) for data in transit. This ensures that your information is unreadable to unauthorized parties during both storage and transmission.
Strict Access Controls: Access to sensitive personal data is strictly limited to authorized employees who require it to perform their jobs, and all such access is logged and audited.
Physical Security: We utilize top-tier cloud infrastructure providers (such as AWS) that maintain rigorous physical security standards, including biometric access and around-the-clock surveillance at data centers.

Disclaimer: While we implement these rigorous, bank-level security measures, no method of electronic transmission or storage is 100% secure. We strive to use commercially acceptable means to protect your personal information but cannot guarantee its absolute security. You should, however, access the website within a secure environment. If you believe your account has been compromised or you suspect any type of data breach, please contact us at privacy@solidcredit.com.

8. DATA RETENTION

We retain your personal information for as long as necessary to provide our Services and comply with legal obligations. Generally we retain:

Account information: For as long as your account is active, plus up to 7 years after closure.
Credit data and service records: As required by FCRA and other applicable laws.
Transaction records: As required by tax and financial regulations.
Marketing preferences: Until you update your preferences.

9. CHILDREN'S PRIVACY

Our Services are not intended for or directed to individuals under 18 years of age. We do not knowingly collect personal information concerning or from children under the age of 18, except when consent is provided by a parent or guardian. If we learn that we have collected personal information from a child under 18 without parental consent, we will take steps to delete the information as soon as possible. We recommend that parents or legal guardians be involved in the online activities of their children in order to prevent the collection of their personal data without parental consent. If you believe we have inadvertently collected personal information about your child, please contact us at privacy@solidcredit.com and we will promptly delete or de-identify this information.

10. WEBSITE TERMS OF USE

The website’s Terms of Use governing your use of the website contains important provisions disclaiming and excluding our liability and the liability of others regarding your use of the website and provisions determining the applicable law and exclusive jurisdiction for the resolution of any disputes regarding your use of the website. Each of those provisions also applies to any disputes that may arise in relation to this Privacy Policy and the collection, use and disclosure of your personal information, and are of the same force and effect as if they had been reproduced directly in this Privacy Policy.

11. CHANGES TO THIS PRIVACY POLICY

We reserve the right to change or update this Privacy Policy from time to time. The updated version will be indicated by the “Last Updated” date and the updated version will be effective as soon as it is accessible. If we make any material changes to the Privacy Policy, we will update the Privacy Policy on our website prior to the changes becoming effective. The collection, use, and disclosure of your personal information by us will be governed by the version of this Privacy Policy in effect at that time. New versions of this Privacy Policy will be posted on this page of our website. We encourage you to check the Privacy Policy from time to time. Your continued use of our Services after changes become effective constitutes acceptance to the collection, use, and disclosure of your personal information in accordance with the revised policy.

12. CONTACT US

If you have questions about this Privacy Policy or our privacy practices, please contact us:

Solid Credit, Inc.

Email: privacy@solidcredit.com

Call: (815) 765-4327

Address: 234 Fifth Ave., Suite 505, New York, NY 10001

If you contact us by email, you should be aware that email transmissions might not be secure. Information you send by email could be viewed in transit by a third party. We will have no liability for disclosure of your information due to errors or unauthorized acts of third parties during transmission.