itinscore

Privacy Policy & Terms of Service

Last updated: 6/10/2025

Our Data Protection Commitment

We will NEVER sell your data. Your privacy and trust are paramount to us.

ITINscore is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy and Terms of Service explain how we collect, use, protect, and share your information when you use our credit report services.

Information We Collect

Personal Information You Provide

  • Name, address, and contact information
  • Individual Taxpayer Identification Number (ITIN)
  • Social Security Number (when applicable)
  • Date of birth and other identifying information
  • Financial account information as needed for credit reporting

Anonymous Usage Data

We collect anonymous usage data to improve our services, including:

  • Website navigation patterns (anonymized)
  • Feature usage statistics
  • Performance metrics
  • Error reports (without personal identifiers)

This data is aggregated and anonymized to protect your identity while helping us enhance our platform.

How We Use Your Information

Primary Uses

  • Provide credit reporting and monitoring services
  • Verify your identity and prevent fraud
  • Communicate with you about your account and services
  • Comply with legal obligations and regulatory requirements
  • Improve our services through anonymous data analysis

How We Share Your Information

WE WILL NEVER SELL YOU OUT!

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

Authorized Sharing

We only share your information in the following limited circumstances:

  • Credit Report Providers: We share the details you provide with authorized credit bureaus and reporting agencies to facilitate your credit reports and monitoring services
  • Legal Requirements: When required by law, court order, or government regulation
  • Service Providers: With trusted third-party service providers who assist in our operations (under strict confidentiality agreements)
  • Business Transfers: In the event of a merger, acquisition, or sale of business assets (with continued privacy protection)
  • Fraud Prevention: To prevent fraud, abuse, or illegal activities

Data Security

We implement industry-standard security measures to protect your personal information:

  • SSL encryption for data transmission
  • Secure data storage with encryption at rest
  • Regular security audits and monitoring
  • Access controls limiting data access to authorized personnel
  • Employee training on data protection and privacy

Your Privacy Rights

You have the following rights regarding your personal information:

  • Access: Request access to your personal information
  • Correction: Request correction of inaccurate information
  • Deletion: Request deletion of your personal information (subject to legal requirements)
  • Portability: Request a copy of your data in a portable format
  • Opt-out: Opt out of certain data processing activities
  • Complaint: File a complaint with relevant privacy authorities

Terms of Service

1. Acceptance of Terms

By accessing and using ITINscore services, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.

2. Service Description

ITINscore provides credit reporting and monitoring services specifically designed for individuals with Individual Taxpayer Identification Numbers (ITINs). Our services include credit report access, credit monitoring, and related financial tools.

3. User Responsibilities

  • Provide accurate and truthful information
  • Maintain the confidentiality of your account credentials
  • Use the service only for lawful purposes
  • Notify us immediately of any unauthorized account access
  • Comply with all applicable laws and regulations

4. Prohibited Uses

You may not use our services to:

  • Commit fraud or identity theft
  • Access another person's credit information without authorization
  • Interfere with or disrupt our services
  • Violate any applicable laws or regulations
  • Use automated systems to access our services without permission

5. Disclaimers and Limitations

IMPORTANT: Our services are provided "as is" without warranties of any kind. We do not guarantee the accuracy, completeness, or timeliness of credit information, as this data is provided by third-party credit bureaus.

To the maximum extent permitted by law, ITINscore shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

6. Indemnification

You agree to indemnify and hold harmless ITINscore, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these terms.

7. Termination

We may terminate or suspend your account at any time for violation of these terms or for any other reason. You may terminate your account by contacting us directly.

8. Governing Law

These terms are governed by the laws of the United States and the state where our company is incorporated, without regard to conflict of law principles.

9. Dispute Resolution

Any disputes arising from these terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act:

  • Right to know what personal information is collected
  • Right to delete personal information
  • Right to opt-out of the sale of personal information (Note: We do not sell personal information)
  • Right to non-discrimination for exercising your privacy rights

International Users (GDPR)

If you are located in the European Union, you have rights under the General Data Protection Regulation, including the right to access, rectify, erase, restrict processing, object to processing, and data portability.

Contact Us

If you have any questions about this Privacy Policy and Terms of Service, or if you wish to exercise your privacy rights, please contact us:

Email: privacy@itinscore.com

Changes to This Policy

We may update this Privacy Policy and Terms of Service from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date. Continued use of our services after such changes constitutes acceptance of the updated terms.

This Privacy Policy and Terms of Service is effective as of 6/10/2025