Privacy Policy

1. Introduction

Valubo ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our document analysis service.

2. Information We Collect

We collect the following types of information:

  • Uploaded Documents: Credit report PDFs you upload for analysis
  • Contact Information: Email address provided during checkout
  • Payment Information: Processed securely by Stripe; we do not store your card details
  • Usage Data: Anonymous analytics to improve our service

3. How We Use Your Information

We use the information we collect to:

  • Analyze your credit report and identify potential issues
  • Generate personalized dispute letters based on our analysis
  • Process payments and deliver your documents via email
  • Provide customer support when you contact us
  • Improve our AI analysis capabilities

4. Data Retention

We follow a minimal data retention policy. Uploaded PDF files are automatically deleted from our servers within 30 days of upload. We retain transaction records as required by law for accounting purposes.

5. Data Security

We implement industry-standard security measures to protect your data, including AES-256 encryption for data in transit and at rest. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

6. Third-Party Services

We use the following third-party services:

  • Stripe: For secure payment processing
  • Google AI: For document analysis (data is processed per Google's privacy policy)
  • SendGrid: For email delivery

7. We Do Not Sell Your Data

We do not sell, trade, or rent your personal information to third parties. We will never share your credit report data with data brokers, marketing companies, or any other entity for commercial purposes.

8. Your Rights

You have the right to:

  • Request access to your personal data
  • Request deletion of your data
  • Opt out of marketing communications
  • Lodge a complaint with a data protection authority

9. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us at privacy@valubo.ai.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.