PRIVACY POLICY

Last Updated: July 5, 2026

FreeCreditSnapshot.com is operated to provide users with educational credit report analysis, funding-readiness insights, and consumer-report review tools.

Information We Collect:

We may collect information you provide directly, including your name, email address, uploaded credit report, account information, identity-theft or dispute details, supporting documents, and information submitted through forms, uploads, generated documents, or user-directed workflows.

How We Use Information:

We use submitted information to analyze your uploaded credit report, generate your Credit Snapshot, identify factors that may affect credit or funding readiness, prepare self-directed document drafts, provide next-step recommendations, improve our services, and communicate with you about your account or requested services.

Credit Report Uploads:

Credit reports may contain sensitive personal and financial information. By uploading a report, you authorize FreeCreditSnapshot and its related technology systems, including DisputeBot Intelligence™ and FundingBot Technology™, to analyze the information for the purpose of generating your requested snapshot, document drafts, and related recommendations.

User-Directed Document Workflows:

When you use dispute or identity-theft tools, the information you enter may be used to create drafts, worksheets, package checklists, or summaries for your review. You remain responsible for deciding whether to use, edit, send, file, upload, or mail any document.

No Credit Bureau Affiliation:

FreeCreditSnapshot.com is not a credit bureau and is not affiliated with Experian, Equifax, or TransUnion.

Data Security:

We use reasonable administrative, technical, and organizational safeguards designed to protect submitted information. However, no system can be guaranteed to be 100% secure.

No Sale of Uploaded Credit Reports:

We do not sell uploaded credit reports or personal information for marketing.

AI Processing:

We may use AI-assisted tools to analyze report data, summarize findings, generate educational insights, and draft user-directed documents. We do not use uploaded credit reports to train shared public AI models.

Service Providers:

We may use trusted service providers to host, process, secure, analyze, or deliver the service. These providers may process information only as needed to perform services on our behalf.

User Responsibility:

Users are responsible for uploading only their own credit report or a report they are legally authorized to submit and for verifying all information before sending or filing anything.

Data Retention:

We retain information for as long as reasonably necessary to provide the service, comply with legal obligations, resolve disputes, improve the platform, and maintain business records.

Contact:

For privacy questions, contact: legal@fundingbot.ai