Privacy Notice

Last Updated: April 21, 2026

FACTS: WHAT DOES SOLID CREDIT, INC. DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. For more detailed information about our privacy practices, please see our full Privacy Policy.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security Number or Individual Taxpayer Identification Number (ITIN), and date of birth
Credit history and credit scores
Account balances and payment history
Employment information and income
Transaction history and account activity

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Solid Credit chooses to share; and whether you can limit this sharing.

Reason	Does Solid Credit share?	Can you limit this sharing?
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes — to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes — information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes — information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For nonaffiliates to market to you	No	We don't share

Questions?

Email us at privacy@solidcredit.com or write to us at Solid Credit, Inc., 234 Fifth Ave., Suite 505, New York, NY 10001.

WHO WE ARE


Who is providing this notice?	Solid Credit, Inc. is a Delaware corporation that provides credit monitoring, credit education, and credit building technology services.

WHAT WE DO


How does Solid Credit protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards such as AES-256 encryption for data at rest, TLS 1.2 (or higher) encryption for data in transit, and secured access controls. We limit access to personal information to those employees and service providers who need it to perform their job functions.
How does Solid Credit collect my personal information?	We collect your personal information, for example, when you: — Create an account or apply for our services — Authorize us to access your credit reports — Link your bank account or provide payment information — Use our credit monitoring or credit building tools — Interact with our website, mobile app, or AI-powered features We also collect your personal information from others, such as credit bureaus, data enrichment providers, and identity verification services.
Why can't I limit all sharing?	Federal law gives you the right to limit only: — Sharing for affiliates' everyday business purposes (information about your creditworthiness) — Affiliates from using your information to market to you — Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See the "Other Important Information" section below for more on your rights under state law.
What happens when I am no longer your customer?	We continue to share your information as described in this notice. We retain your information as described in our [Privacy Policy](https://www.solidcredit.com/privacy).

DEFINITIONS


Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Solid Credit, Inc. does not currently have any affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates with which we share information include credit bureaus, payment processors, cloud service providers, identity verification services, and analytics providers. These parties receive information only as needed to provide services on our behalf or as required by law.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Solid Credit does not currently have any joint marketing arrangements.

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Solid Credit, Inc. does not currently have any affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates with which we share information include credit bureaus, payment processors, cloud service providers, identity verification services, and analytics providers. These parties receive information only as needed to provide services on our behalf or as required by law.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Solid Credit does not currently have any joint marketing arrangements.

OTHER IMPORTANT INFORMATION

California Residents

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and the California Financial Information Privacy Act (CalFIPA). To the extent that the GLBA customer exception to the CCPA applies to your information, this GLBA Privacy Notice governs our collection, use, and sharing of such information. For information about your rights that are not covered by the GLBA exception, please see our general Privacy Policy.

Under CalFIPA, you have the right to opt out of sharing of your financial information with nonaffiliated third parties, subject to certain exceptions. As noted above, we do not currently share your personal information with nonaffiliates for their marketing purposes.

Vermont Residents

In accordance with Vermont law, we will not share information we collect about Vermont residents with companies outside of Solid Credit, except as permitted by law, such as with the consent of the Vermont resident, to service the account, or as otherwise required or permitted by law.

Nevada Residents

Nevada law allows Nevada residents to opt out of the sale of personally identifiable information. We do not sell your personal information. If you have questions, you may contact us at privacy@solidcredit.com or by mail at the address above.

Other State Privacy Rights

Residents of certain states may have additional privacy rights. Please see our general Privacy Policy for information about state-specific rights and how to exercise them.

UPDATES TO THIS NOTICE

We reserve the right to update this Privacy Notice at any time. If we make material changes, we will provide you with an updated notice as required by law. The "Last Updated" date indicates the most recent revision.

Solid Credit, Inc. 234 Fifth Ave., Suite 505, New York, NY 10001

privacy@solidcredit.com