Privacy Policy

Effective Date: March 27, 2026  |  Last Updated: March 27, 2026

This Privacy Policy describes how ClearPath Disputes ("we," "us," "our," or the "Platform") collects, uses, stores, and protects information when you use our self-serve document creation platform. By accessing or using ClearPath Disputes, you agree to the terms of this Privacy Policy.

1. Information We Collect

Account Information: When you register, we collect your name, email address, and state of residence. This information is required to provision your account and apply the correct state-specific compliance rules.

User-Entered Credit Data: You may voluntarily enter credit report data (account names, numbers, balances, dates, creditor information) into our platform for the purpose of generating dispute documents. We do not use OCR, screen scraping, or any automated method to collect this data — all information is manually entered by you.

Payment Information: If you subscribe to a paid plan, payment processing is handled by our third-party payment processor. We do not store full credit card numbers, CVVs, or bank account details on our servers.

Usage Data: We collect anonymized usage data including pages visited, features used, and session duration to improve our platform. This data cannot be used to identify you personally.

2. How We Use Your Information

We use your information exclusively for the following purposes:

• To create and manage your user account
• To generate dispute documents based on data you provide
• To apply state-specific compliance rules to your workspace
• To process subscription payments
• To send transactional emails (account confirmation, password reset, billing receipts)
• To improve platform functionality and user experience
• To comply with legal obligations

We do not use your data for marketing, profiling, credit scoring, or any purpose unrelated to the document creation services you have requested.

3. Zero Third-Party Sharing

We do not sell, rent, lease, trade, or otherwise disclose your personal information or credit data to any third party, including but not limited to:

• Data brokers or data aggregators
• Advertising networks or marketing companies
• Credit bureaus or creditors
• Insurance companies or employers
• Any entity seeking to use your data for commercial purposes

The only exceptions are: (a) when required by valid legal process (subpoena, court order); (b) to protect against fraud or threats to our platform; or (c) with your explicit written consent.

4. Data Encryption & Security

All user-entered data is protected using industry-standard encryption:

• At Rest: AES-256 encryption for all stored data
• In Transit: TLS 1.2+ encryption for all data transmitted between your browser and our servers
• Authentication: Secure session management with encrypted tokens
• Access Controls: Role-based access controls limiting data access to authorized personnel only

While we implement commercially reasonable security measures, no method of electronic storage or transmission is 100% secure. You acknowledge that you provide your data at your own risk.

5. Data Retention & Automatic Deletion

Your data is retained according to your subscription tier:

After the retention period, data is automatically and permanently deleted from our systems. Backup systems purge retained data within 30 days of the primary deletion.

6. Self-Serve Data Deletion (Right to Forget)

You have the right to delete your data at any time through your Account Settings. When you initiate a deletion request:

• All generated documents are permanently deleted
• All credit data you entered is permanently erased
• Your account profile is anonymized
• Deletion is irreversible — data cannot be recovered after deletion

Account deletion does not entitle you to a refund of any prepaid subscription fees.

7. Cookies & Tracking Technologies

We use only essential cookies required for platform functionality:

• Session cookies: To maintain your authenticated session
• Security cookies: To prevent cross-site request forgery

We do not use third-party tracking cookies, advertising pixels, social media trackers, or behavioral analytics tools that create user profiles.

8. Children's Privacy (COPPA)

ClearPath Disputes is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that a user is under 18, we will immediately terminate their account and delete all associated data.

9. California Residents (CCPA Notice)

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

• Right to Know: You may request disclosure of what personal information we collect, use, and share.
• Right to Delete: You may request deletion of your personal information (available via Account Settings).
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.
• No Sale of Personal Information: We do not sell personal information as defined by the CCPA.

10. Security Breach Notification

In the unlikely event of a data breach that compromises your personal information, we will:

• Notify affected users via email within 72 hours of discovery
• Notify applicable regulatory authorities as required by law
• Provide a description of the data involved and remediation steps taken
• Offer guidance on protecting yourself from potential misuse

11. User Responsibility

You are solely responsible for:

• The accuracy and truthfulness of all data you enter into the platform
• Maintaining the confidentiality of your account credentials
• Any actions taken using your account
• Ensuring that dispute documents generated by the platform are used appropriately and lawfully
• Reviewing all generated documents before use

ClearPath Disputes assumes no liability for actions taken by users based on documents generated by the platform.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CLEARPATH DISPUTES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE PLATFORM, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY.

Our total aggregate liability for any claims arising from your use of the platform shall not exceed the amount you paid to us in the twelve (12) months preceding the claim.

13. Third-Party Services

Our platform may contain links to third-party websites or services (e.g., credit bureau websites, CFPB complaint portal). We are not responsible for the privacy practices, content, or security of any third-party services. We encourage you to review the privacy policies of any third-party services you interact with.

14. Changes to This Policy

We reserve the right to modify this Privacy Policy at any time. Material changes will be communicated via email notification to registered users and by updating the "Last Updated" date at the top of this page. Your continued use of the platform after changes constitute acceptance of the revised policy.

15. Governing Law & Contact

This Privacy Policy is governed by the laws of the State in which ClearPath Disputes is incorporated, without regard to conflict of law principles.

For privacy-related inquiries, data deletion requests, or to exercise your rights under this policy, please visit our Contact Page or reach us at: