Privacy Policy
Effective Date: January 17, 2025
1. Introduction
This Privacy Policy explains how Data Furnishing Technologies, Inc. (“Data Furnishing,” “we,” “us,” or “our”) collects, uses, shares, and protects your information when you access or use our website, platform, and services (collectively, the “Service”).
This includes the credit monitoring and data furnishing features enabled through integrated partnerships. This policy complies with all applicable U.S. federal and state privacy regulations, including the Gramm-Leach-Bliley Act (GLBA), Fair Credit Reporting Act (FCRA), and other consumer protection laws.
2. Information We Collect
We collect both personal and technical data through the platform:
Personal Identifiers: Name, address, email, phone number, date of birth, Social Security number.
Authentication Data: Login credentials, verification tokens, and KBA (knowledge-based authentication) details.
Financial Information: Bank account data, billing records, payment history.
Credit Monitoring Data: Data pulled from integrated credit monitoring services, including credit scores, tradeline details, alerts, and public records.
User-Submitted Data: Information submitted for credit builder loans, rent reporting, commercial tradeline activity, or other services.
Technical Information: Device ID, browser type, IP address, geolocation, and platform usage logs.
Communications: Customer service records, email exchanges, and platform interactions.
3. How We Use Your Information
We use your data to:
Deliver and improve our services, including credit monitoring and score tracking.
Furnish tradeline and rental data to credit bureaus.
Enable credit builder programs and rent reporting features.
Display credit alerts, score changes, and bureau activity via credit monitoring dashboards.
Authenticate users securely and prevent fraud.
Maintain compliance with all applicable regulatory frameworks.
Communicate service updates, account activity, and marketing (with opt-out options).
Perform system diagnostics, performance tuning, and analytics.
4. Lawful Basis for Processing
We process personal data under the following legal bases:
Consent: Where you have granted permission (e.g., to pull a credit report).
Contractual Necessity: To fulfill service agreements (e.g., billing, platform access).
Legal Obligation: For compliance with applicable laws and audits.
Legitimate Interests: For security, optimization, and fraud prevention that do not override user rights.
5. Data Sharing and Disclosure
We may share your data with:
Credit Bureaus: Equifax, Experian, TransUnion, and SBFE for reporting tradelines, rent data, and other credit-related insights.
Service Providers: Partners such as BuildCredit, LLC, Cross River Bank, and third-party infrastructure providers for credit monitoring, data delivery, and integrated APIs.
Fraud Prevention Networks: For identity verification and anti-fraud.
Legal Entities: In compliance with subpoenas, court orders, or regulatory oversight.
Acquiring Entities: If involved in mergers, asset sales, or restructuring.
We do not sell your data. All sharing is conducted under strict contractual safeguards.
6. Credit Monitoring Services
Our platform includes integrated credit monitoring tools that display:
Real-time credit score tracking (single or tri-bureau)
Alerts for inquiries, new accounts, collections, and score changes
Detailed breakdowns of credit report factors
Public record monitoring (e.g., bankruptcies or judgments)
Score simulator and debt analysis features
These services are delivered via authorized API partners under FCRA-compliant frameworks. Users must consent before activating credit monitoring tools.
7. Data Retention
We retain data for:
The duration of your account and service use
As required for legal, contractual, or audit purposes
For ongoing fraud detection or dispute resolution
Upon termination, data may be retained for a limited statutory period.
8. Data Security
We use advanced encryption, secure cloud infrastructure, and access controls to protect data. However, no system is entirely immune to threats. You are responsible for securing your credentials and device access.
9. Your Rights
You have the right to:
Access and review your personal data
Correct or update information
Request data deletion (subject to legal exceptions)
Object to certain uses or restrict processing
Export your data (data portability)
Withdraw consent at any time
9. Your Rights
You have the right to:
Access and review your personal data
Correct or update information
Request data deletion (subject to legal exceptions)
Object to certain uses or restrict processing
Export your data (data portability)
Withdraw consent at any time
To exercise any right, contact hello@datafurnishing.com.
10. Cookies and Tracking
We use cookies and tracking tools to:
Track user behavior and platform usage
Enable session persistence and analytics
Serve content efficiently
You can disable cookies in your browser settings. Some functionality may be affected.
11. Third-Party Services
We link to or embed third-party services. We are not responsible for their privacy practices. Review their policies before engaging with external services.
12. Children’s Privacy
Our platform is intended for users aged 18 and older. We do not knowingly collect information from minors.
13. International Users
If you access the platform outside the U.S., you agree that your data may be transferred to and processed in the U.S. under its applicable laws.
14. Policy Changes
We may revise this Privacy Policy. Material updates will be posted or emailed. Continued use implies acceptance.
15. Contact Us
Data Furnishing Technologies, Inc.
1680 Michigan Ave, Suite 700
Miami Beach, FL 33139
Email: hello@datafurnishing.com
16. Legal & Trademark Disclaimers
CONSUMER DATA INDUSTRY ASSOCIATION®, CDIA®, CREDIT REPORTING RESOURCE GUIDE®, and METRO 2® are registered trademarks of the Consumer Data Industry Association.
Data Furnishing Technologies, Inc. is not affiliated with CDIA or its affiliates.
Mentions of BuildCredit, LLC and Cross River Bank are provided strictly to disclose integration of licensed, regulated financial services.
