This Privacy Policy explains how Storehouse collects, uses, discloses, and safeguards your personal and financial information when you use our platform. By creating an account or using our services, you acknowledge you have read and understood this policy.
Information We Collect
We collect information you provide directly to us, information obtained from third-party services (including our credit bureau partner's API), and information collected automatically when you use our platform.
- Full legal name, date of birth, and Social Security Number (required for credit report access)
- Current and previous residential addresses
- Email address and phone number
- Government-issued identification documents
- Bank account information (for payment processing only)
- Financial data you enter: assets, liabilities, income, business revenue
- Full credit reports from Equifax, TransUnion, and Experian
- Credit scores and score history
- Trade lines, payment history, and account balances
- Public records, collections, and derogatory marks
- Hard and soft inquiry history
- Credit utilization ratios per account
- IP address, browser type, and device identifiers
- Pages visited, features used, and session duration
- Error logs and performance data (anonymized)
How We Use Bureau Credit Data
Your credit data obtained through our credit bureau partner is used exclusively for the following permissible purposes:
- Displaying your current credit scores and full credit report within your Storehouse dashboard
- Identifying inaccurate, unverifiable, or obsolete items on your credit report
- Generating FCRA-compliant dispute letters targeted at specific negative tradelines
- Tracking dispute outcomes round-by-round across all three bureaus
- Calculating your Funding Score based on your credit profile and financial data
- Providing AI-generated credit recommendations (see Section 4 for AI disclosure)
- Generating your monthly Storehouse Statement PDF
We do not use your credit data for targeted advertising, credit decisioning for third parties, employment screening, insurance underwriting, or any purpose not explicitly stated above.
Bank Account Connections via Plaid
With your consent, we receive the following read-only data through Plaid and use it solely to power features you have requested:
- Account details and balances — to display your live net worth, assets, and debts
- Transaction history — to analyze cash flow and strengthen your funding readiness assessment
- Liabilities (credit cards, loans, APRs, balances) — to power the Debt Navigator and utilization insights
- Investment holdings — to include portfolio value in your Wealth Builder
You may disconnect any linked account at any time from the Bank Links page in your dashboard. Disconnecting immediately deletes the stored access credential and revokes the connection with Plaid, stopping all further data retrieval. We do not sell or rent data obtained through Plaid to any third party, and we do not use it for advertising.
AI Analysis Disclosure
- Your credit report data: tradelines, scores, derogatory marks, and inquiry history
- Your wealth profile: assets, liabilities, income, and net worth
- Your Funding data: revenue, DTI ratio, and funding score
- Your dispute history and bureau response patterns
- Personalized dispute letter content specific to each negative tradeline
- Credit score improvement recommendations and timelines
- Funding eligibility assessments and lender match percentages
- Monthly financial health summaries included in your Storehouse Statement
- STOREHOUSE Advisoring responses in the AI chat feature
- Data sent to our AI provider is processed under our AI provider's API data processing agreement — our AI provider does not train on API data by default
- All prompts are anonymized before transmission: we never send your SSN or full account numbers to our AI provider
- AI-generated dispute letters are reviewed by our compliance engine before being used
- You may opt out of AI analysis at any time from your account settings without losing access to non-AI features
Your Consumer Rights Under the FCRA
The Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) grants you specific rights regarding your credit information. Storehouse is committed to supporting the full exercise of these rights.
You have the right to request and receive a complete copy of your credit file from each credit bureau at no charge once every 12 months through AnnualCreditReport.com. Storehouse additionally provides you continuous access to your credit data through our secure bureau integration.
If you believe any information in your credit file is inaccurate, incomplete, or unverifiable, you have the right to dispute it directly with the credit bureaus. Credit bureaus must complete their investigation within 30 days (45 days if you provide additional information). Storehouse automates this process on your behalf with your explicit written authorization.
You have the right to know who has accessed your credit report within the past two years. Storehouse logs every access to your credit data and makes this information available in your account dashboard under the FCRA Audit Trail.
You have the right to place a security freeze on your credit file at any credit bureau free of charge. A security freeze prevents new credit from being opened in your name. Storehouse cannot initiate or remove a security freeze on your behalf — contact each bureau directly.
If a lender or other party denies you credit, employment, housing, or insurance based on your credit report, they must provide you with an adverse action notice that includes the name of the credit bureau that supplied the report and your right to a free copy of that report.
If a consumer reporting agency, furnisher, or user of consumer reports violates the FCRA, you may be able to sue in federal or state court. You may recover actual damages, statutory damages ($100–$1,000 per violation), punitive damages, and attorney's fees.
Data Retention Policy
We retain your personal and financial information for as long as your account is active and as required by applicable law. The following retention schedules apply:
| Data Type | Retention Period | Reason |
|---|---|---|
| Credit report data | Duration of account + 2 years | FCRA compliance & dispute tracking |
| Dispute letters & outcomes | Duration of account + 7 years | FCRA audit trail requirement |
| Payment records | 7 years from last transaction | IRS and financial regulation |
| AI-generated content | Duration of account + 1 year | Service quality & dispute backup |
| Consent records | Duration of account + 5 years | Legal compliance & CROA |
| Account access logs | 2 years | FCRA § 609(a)(3) access history |
| Data post-account deletion | 30 days (then permanently deleted) | Grace period for reactivation |
When you delete your account, we will permanently delete your personal data within 30 days, except where retention is required by law. Dispute letter records and FCRA audit trails are retained for the legally required period even after account deletion.
Your Opt-Out Rights
You have the right to opt out of certain data processing activities at any time. Opting out of some features may limit your access to certain platform functionality.
Contact & Legal
If you have questions about this Privacy Policy, your rights under the FCRA, or how we use your data, please contact us:
We reserve the right to update this Privacy Policy at any time. Material changes will be communicated via email to your registered address and a notification in your Storehouse dashboard at least 30 days before taking effect. Continued use of the platform after the effective date constitutes your acceptance of the updated policy.
This Privacy Policy was last reviewed and updated on April 21, 2026. Previous versions are available upon request by emailing info@storehouse360.com.