Dispute Hero Privacy Policy

Depending on how a consumer interacts with us and which services are lawfully provided, we may collect:

• contact information, such as name, email address, telephone number, and mailing address;
• state of residence and service-interest information;
• general descriptions of credit concerns and goals;
• communications, intake responses, call recordings or transcripts when disclosed and permitted, support messages, and consent or opt-out records;
• signed agreements, disclosures, cancellation records, authorizations, and service history;
• consumer-report information and dispute-related documents that a consumer lawfully provides or authorizes us to access;
• identity-verification information when necessary for contracted services and collected through an approved secure channel;
• billing status and limited payment-related records, while payment-card data may be handled directly by a payment processor;
• portal and account information;
• device, browser, log, IP-address, cookie, and Website-usage information; and
• information required to prevent fraud, secure systems, comply with law, or maintain business records.

Our public intake form is not designed to collect Social Security numbers, dates of birth, payment-card data, government ID images, full credit reports, or credit-monitoring credentials.

We may receive information:

• directly from the consumer;
• from a person the consumer authorizes;
• from consumer reporting agencies or credit-report providers when access is lawfully authorized;
• from service providers that support our Website, communications, CRM, electronic signatures, billing, security, or client servicing; and
• automatically from devices and browsers used to access our Website or portal.

We may use personal information to:

• respond to inquiries and provide general credit education;
• conduct state-eligibility and compliance review;
• prepare, deliver, and administer required disclosures and agreements;
• provide contracted credit-report review, consulting, dispute assistance, progress review, and client support;
• maintain CRM, portal, workflow, and client-service records;
• communicate about an inquiry, compliance status, cancellation deadline, account, or service;
• record and honor consent, cancellation, and stop-contact requests;
• process payments only when authorized and lawfully due;
• prevent fraud, protect consumers and systems, troubleshoot, and improve service quality;
• meet recordkeeping, legal, regulatory, tax, accounting, and dispute-resolution obligations; and
• enforce agreements and protect legal rights.

Dispute Hero may use an AI-assisted telephone agent for general education and intake. The agent is not authorized to quote prices, accept payment, enroll a consumer, provide legal advice, initiate a credit dispute, or collect highly sensitive identity, payment, or credit-report credentials. Where disclosed and permitted by law, calls may be recorded or transcribed for intake, quality, compliance review, and follow-up. A caller who does not wish to continue may end the call. Stop-contact requests are routed for human handling.

We may disclose information to service providers and processors that perform services for us, including hosting, website forms, customer relationship management, workflow automation, telephony, AI-assisted communications, electronic signatures, secure portal services, client servicing, payment processing, analytics, security, and professional support. We may also disclose information:

• when the consumer directs or authorizes the disclosure;
• to consumer reporting agencies, creditors, furnishers, collectors, or other relevant parties as authorized and reasonably necessary to provide contracted services;
• to professional advisers, auditors, insurers, or financing partners subject to appropriate duties;
• to comply with law, legal process, regulatory requests, or enforceable government demands;
• to investigate fraud, security incidents, threats, or violations; or
• in connection with a merger, financing, acquisition, reorganization, or transfer of business assets, subject to applicable law.

Dispute Hero does not sell consumer-report information or disclose it for a purpose prohibited by law. This policy does not authorize the sale of personal information or cross-context behavioral advertising.

Payment-card or bank information should be collected only through an approved payment processor or secure billing channel. Dispute Hero may receive transaction status, amount, date, and limited payment identifiers without receiving complete card or bank credentials. Payment authorization does not permit a charge before it is lawfully due.

The Website may use essential cookies and similar technologies for security, session management, preferences, form operation, and performance. Any optional analytics or advertising technology should be activated only with disclosures and choices required by applicable law. The published Website should provide an appropriate cookie preference control before optional technologies are enabled.

We retain information for the period reasonably necessary to provide services, administer accounts, document consumer instructions and consent, maintain required records, resolve disputes, enforce agreements, prevent fraud, and comply with legal, regulatory, tax, accounting, and insurance obligations. Retention periods vary by record type and applicable law. Credit-repair disclosures and related records will be retained for at least the period required by applicable law. Information is deleted, deidentified, or securely disposed of when it is no longer reasonably needed, subject to lawful preservation requirements.

We use administrative, technical, and physical safeguards intended to protect personal information. No method of transmission or storage is completely secure. Consumers should not send Social Security numbers, full payment credentials, credit-report passwords, or identity documents through ordinary email, text message, or the public intake form.

Depending on a consumer’s state and applicable law, the consumer may have rights to request access, correction, deletion, restriction, portability, or information about certain uses and disclosures. A consumer may also have a right to withdraw consent or appeal a decision concerning a privacy request. Requests may be submitted by calling (888) 209-0419 or emailing info@getdisputehero.com. We may take reasonable steps to verify the request and may retain information when required or permitted by law. An authorized agent may submit a request where applicable law permits and the agent’s authority can be verified. Dispute Hero will not unlawfully discriminate against a consumer for exercising an applicable privacy right.

Operational communications necessary to respond to an inquiry or administer a service may continue as permitted by law. Marketing email or SMS consent is optional and may be withdrawn using the opt-out instructions in the message or by contacting us. Consumers may request that Dispute Hero stop telephone, email, or text marketing. A stop-contact or revocation request will be recorded and honored as required by law.

The Website and services are intended for adults and are not directed to children under 18. We do not knowingly solicit credit-repair service information from children. If we learn that a child provided personal information through the public Website, we will take appropriate steps consistent with applicable law.

Links to third-party websites, credit-report providers, portals, or payment services are governed by the third party’s own privacy practices. Consumers should review those policies before providing information. This policy does not control an independent third party’s practices.

We may update this Privacy Policy prospectively. The published version will display the effective or last-updated date. If applicable law requires additional notice or consent for a material change, we will provide it.

Privacy questions and requests may be directed to:

• Phone: (888) 209-0419
• Email: info@getdisputehero.com
• Mail: Dispute Hero LLC, 930 E 162nd St, Unit 1011, South Holland, IL 60473