Privacy Policy

1. What we collect from you

Account details. Your email address and a password. We store the password only in a scrambled form that we cannot read.

Identity details. Your legal name, date of birth, home address and Social Security number, and a phone number if one is used to confirm who you are. We need these to confirm your identity and to obtain your own credit report.

Details about your bankruptcy. Anything you tell us about your case, such as the court, the case number or the filing date.

Payment details. Your card is entered with our payment processor. We receive a record of the payment, such as the amount, the date, the card type and its last four digits. We do not store your full card number.

Messages. Anything you send us by email or through the Service.

2. What we collect from others, at your direction

Your credit report. When you order a check and give your authorization, we obtain your credit report and related information from one or more consumer reporting agencies through our credit report provider.

Your court records. We search for and retrieve the public records of your bankruptcy case from the federal courts.

Identity checks. Our providers tell us whether your identity was confirmed.

Referral partners. If a partner sent you to us, the partner may give us your court and case number so that you do not have to type it. We do not accept your name, date of birth or Social Security number from partners.

3. What we collect automatically

When you use the Service we record technical details such as your IP address, your browser and device type, the pages you request and the date and time. When you give a consent, we record when you gave it, the wording you were shown, and your IP address and browser.

Cookies. We use a sign-in cookie to keep you signed in, and a cookie holding a random number that tells us whether a referral partner sent you. We do not use advertising cookies, and we do not let advertising networks track you on the Service.

4. Information from public and commercial sources

We may get names and contact details from public records, including court records, and from companies that supply contact data, and use them to tell people about DischargeCheck. If you hear from us this way and do not want to, use the unsubscribe link in the message or write to support@dischargecheck.com and we will stop.

5. How we use information

We use the information described above to do the following.

(a) Run the check you ordered. That means confirming your identity, obtaining your credit report and court records, comparing them, and showing you the results.

(b) Take payment, prevent fraud and misuse, and keep the Service secure.

(c) Send you messages about your account and your check, such as sign-in codes, receipts and notices that your results are ready.

(d) Send you marketing about DischargeCheck and related products, which you can stop at any time.

(e) Pay and account for referral partners.

(f) Answer your questions and handle refund requests, disputes and chargebacks.

(g) Maintain, test, measure and improve the Service, including its rules and automated tools. Where we can, we use information with names and other identifiers removed for this.

(h) Comply with the law, enforce our Terms, and protect our rights and the rights of others.

We read your credit report, court records and the details you give us with automated tools, including artificial intelligence services run by third-party providers.

6. Who we share information with

We do not sell your personal information, and we do not share it with other companies for their advertising.

We share information only as follows.

(a) Service providers that work for us. These include our credit report provider and the consumer reporting agencies, identity confirmation providers, the federal courts' records system, providers of artificial intelligence services that read documents, our payment processor, and companies that host our servers and database, store files and send email and text messages. They receive what they need to do their work for us.

(b) Referral partners. If a partner sent you to us, we tell that partner that their referral signed up or paid for a check, so that the partner can be paid. We do not give partners your credit report, your results, your Social Security number or your date of birth.

(c) Legal and safety reasons. We may disclose information when we believe in good faith that the law, a subpoena, a court order or a government request requires it, or when it is needed to investigate fraud, to enforce our Terms, to respond to a payment dispute, or to protect anyone's rights, property or safety.

(d) Business changes. If we are involved in a merger, a sale of assets, a financing or a similar deal, information may be shared with the other parties and their advisers and passed to the new owner.

(e) With your direction. We share information when you ask us to or agree to it.

We may share information that has been combined or stripped of identifiers so that it does not identify you, for any purpose.

7. How we protect information

Your credit report, your results, your court documents and your Social Security number are encrypted when we store them. Your full Social Security number is used to obtain your credit report and is removed from our systems once it is no longer needed for that. We keep the last four digits.

We limit who at our company can see personal information to people who need it for their work.

No system is perfectly secure. We cannot promise that information will never be accessed, disclosed, changed or destroyed by a breach of our safeguards or those of our providers. You are responsible for keeping your password and your email account secure.

8. How long we keep information

We keep information for as long as your account is open and for as long afterward as we need it for the purposes in this Privacy Policy. Those purposes include keeping your results available to you, handling refund requests, disputes and chargebacks, keeping the records that tax, accounting and other laws require, preventing fraud and defending legal claims.

We keep records of your consents and of your payments after your account is closed. We may delete stored results, credit reports and court documents at any time once the check is finished.

9. Your choices

Marketing. You can unsubscribe from marketing email using the link in any marketing message. You will still get messages needed to run your account or your check.

Access and deletion. You can ask us for a copy of the personal information we hold about you, ask us to correct it, or ask us to delete it and close your account, by writing to support@dischargecheck.com from the email on your account. We may need to confirm who you are first. We will act on your request as the law requires. We may keep information that the law allows or requires us to keep, including records of consents and payments and anything we need to prevent fraud or to defend a legal claim.

Your credit report. We do not create or change your credit report. To dispute something on it, contact the credit bureau or the company that reported it.

State privacy rights. Depending on where you live, you may have additional rights under your state's privacy law, such as the right to appeal a decision about your request. To use them, write to us at the address above. We will not treat you differently for making a request.

10. Children

The Service is for adults. We do not knowingly collect personal information from anyone under 18. If you believe a child has given us information, write to us and we will delete it.

11. Where information is kept

The Service is offered only in the United States, and we store and process information in the United States.

12. Changes to this Privacy Policy

We may update this Privacy Policy by posting a new version on this page with a new date. If you keep using the Service after an update, you accept the updated version.

13. Contact

Dischargecheck LLC. Email support@dischargecheck.com.