Legal

Privacy Policy

Last updated: April 11, 2026. How we collect, use, and protect your personal information.

Draft copy: this privacy policy should be reviewed by legal counsel before launch and adjusted for CCPA, CPRA, and any other state-specific requirements as applicable.

1. Overview

ChoiceIdentity LLC (“we”, “us”, “our”) respects your privacy. This Privacy Policy explains what information we collect, how we use it, and the choices you have.

2. Information We Collect

Information you provide

Account details: name, email address, password
Identity verification: date of birth, address, and other details required for credit reporting
Payment information: processed by Stripe; we never store full card numbers
Support and contact form submissions

Information we collect automatically

Device and browser details, IP address, operating system
Usage data: pages viewed, features used, session duration
Cookies and similar technologies, as described in our Cookies section

Information we receive from third parties

Credit bureau data from our licensed API partner (Experian, Equifax, TransUnion) when you request a credit score or report
Identity monitoring signals from partner networks
Payment confirmations and subscription status from Stripe

3. How We Use Your Information

To create, maintain, and secure your account
To deliver the Service, including identity monitoring and credit reports
To process payments and manage your subscription
To communicate with you about your account and the Service
To detect and prevent fraud, abuse, and unauthorized access
To comply with legal obligations, including FCRA and applicable state law

4. How We Share Your Information

We only share personal information with third parties in the following circumstances:

Service providers: Stripe for payments, Supabase for data storage and authentication, Resend for transactional email, and our licensed credit/identity API partner for credit reports.
Legal: when required by law, court order, or to protect the safety and rights of our members and the public.
Business transfers: in the event of a merger, acquisition, or sale of assets, with notice to affected members.

We do not sell your personal information.

5. FCRA Compliance

When you use ChoiceIdentity to access your credit information, you are exercising your right under the Fair Credit Reporting Act to obtain your own consumer report. We handle that information in accordance with FCRA requirements and with the same care we expect from any regulated credit reporting service.

6. Security

We protect your information with:

256-bit encryption at rest and TLS 1.2+ in transit
Row-level access controls on every record in our database
Audit logs on every administrative action
No raw credit report storage — only encrypted reference tokens
Continuous monitoring for suspicious access patterns

7. Your Rights and Choices

Depending on where you live, you may have the right to access, correct, delete, or port your personal information, and to opt out of certain uses. California residents have additional rights under the CCPA/CPRA. To exercise any of these rights, email us at support@choiceidentity.com.

8. Cookies

We use essential cookies to keep you signed in and to secure your account. We may also use limited analytics cookies to understand how members use the Service. You can control cookies through your browser settings.

9. Children's Privacy

The Service is not intended for anyone under 18, and we do not knowingly collect personal information from children.

10. Changes to This Policy

We will update this Privacy Policy from time to time. When we do, we will update the “Last updated” date at the top of this page and, for material changes, notify you via email or an in-app notice.

11. Contact

Questions about this Privacy Policy? Email us at support@choiceidentity.com or visit our contact page.