Privacy Policy

1. Introduction

DebtCrusher.ai ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

2. Information We Collect

Personal Information

• Email address (for account creation and communication)
• Payment information (processed securely through Stripe)
• Name and contact information (if voluntarily provided)

Uploaded Documents

• Medical bills and healthcare documents
• Credit reports and financial documents
• Any other documents you choose to upload for analysis

Analysis Results

• AI analysis results and recommendations
• Generated dispute letters and templates
• Tracking information for disputes initiated

Technical Information

• IP address and device information
• Browser type and operating system
• Usage data and analytics
• Cookies and local storage data

3. How We Use Your Information

We use your information to:

• Provide AI analysis of your documents
• Generate personalized dispute letters and templates
• Maintain your account and provide customer support
• Process payments and prevent fraud
• Improve our services through analytics
• Send important updates about your account or our services
• Comply with legal obligations

4. Data Retention

Specific retention periods:

• Guest uploads: Deleted immediately after analysis
• Account data: Retained until account deletion
• Payment records: 7 years for tax and legal compliance
• Support communications: 3 years
• Analytics data: Anonymized after 2 years

5. Data Security

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

• Encryption: 256-bit AES encryption in transit and at rest
• Access Controls: Strict employee access controls and monitoring
• Secure Infrastructure: Cloud providers with SOC 2 compliance
• Regular Audits: Security assessments and vulnerability testing
• Data Minimization: We only collect necessary information

6. Third-Party Services

We use the following third-party services:

7. HIPAA Disclaimer

8. Your Privacy Rights

You have the right to:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and data
• Portability: Download your data in a machine-readable format
• Opt-out: Unsubscribe from marketing communications

To exercise these rights, contact us at support@debtcrusher.ai or use the account settings page.

9. California Privacy Rights (CCPA)

California residents have additional privacy rights under the California Consumer Privacy Act (CCPA):

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

We do NOT sell your personal information to third parties.

10. Cookies and Local Storage

We use cookies and local storage for:

• Authentication and session management
• Saving your preferences and settings
• Analytics and performance monitoring
• Providing personalized experiences

You can manage cookies through your browser settings, but some features may not work properly if cookies are disabled.

11. Children's Privacy

Our services are not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If you are under 18, please do not use our services or provide any information to us.

12. International Users

Our services are hosted in the United States. If you are accessing our services from outside the United States, your information will be transferred to and processed in the United States where data protection laws may differ from your jurisdiction.

13. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page with an updated "last modified" date. Your continued use of our services after any changes constitutes acceptance of the new policy.

14. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us: