Privacy Policy
Last updated: October 11, 2026
This Privacy Policy explains how AreliScore ("we," "us") collects, uses, and protects your information when you use areliscore.com.
1. Information We Collect
| Category | Examples |
|---|---|
| Account information | Email address, password |
| Identity information | Full name, phone number, home address, and the type of identification you indicate (SSN, ITIN or none) |
| Sensitive identifiers | Social Security Number, only if you provide one (encrypted before storage) |
| Bank connection data | Via Plaid: the financial institutions you connect and transaction data needed to verify recurring rent and utility payments. We do not see or store your online banking credentials. |
| Payment information | Processed by Stripe; we do not store full card numbers |
| Payment history | Rent, electricity, water, or phone payment records verified through your connected bank account or that you choose to report |
| Free guide information | The name and email address you enter to receive the guide, the date you agree to receive it and, if you choose, the date you join the AreliScore community |
2. How We Use Your Information
- To create and maintain your account and credit profile.
- To connect to your bank account (via Plaid) and identify recurring rent and utility payments.
- To generate your AreliScore Certificate, a document combining your bank-verified identity and your on-time payment history for a service you select.
- To report your eligible payment history to our credit-reporting partner and, through them, to the applicable consumer reporting agencies (Equifax, Experian, and/or TransUnion), once that reporting is active.
- To process payments for memberships, the AreliScore Certificate, and retroactive reporting.
- To provide customer support and respond to your requests.
- To email you the free guide you request. Only if you check the optional AreliScore community box will we also use your email to send you AreliScore offers and resources (for example, paid PDF guides). You can unsubscribe at any time with the link at the bottom of every email. We do not show your information to other members or share your list with third parties, other than the service that sends the emails.
- To comply with legal obligations, including the Fair Credit Reporting Act (FCRA).
3. How We Protect Your Data
Your Social Security Number is encrypted (AES-256) before it is stored and is never stored in plain text. Access to sensitive data is restricted at the database level; only authorized backend processes can read or write it. Payment card data is handled entirely by Stripe and never touches our servers. Bank account access is handled entirely by Plaid; AreliScore never sees or stores your banking username or password.
4. Who We Share Information With
- Plaid: to securely connect your bank account and read the transaction data needed to verify recurring payments. Plaid's own privacy practices govern how it handles your banking credentials.
- Credit-reporting partner: to furnish your payment history to the credit bureaus, once that reporting is active.
- Stripe: to process payments.
- Cloudflare Turnstile: to verify you are human and protect our registration form from bots and abuse.
- Anthropic: to power the AreliScore IA chat assistant. Messages you send to AreliScore IA are processed by Anthropic to generate a response.
- Resend: to deliver messages you send through our support form to our support team, and to email you the free guide you request.
- Service providers (such as our database and hosting provider) strictly to operate the Service.
- We do not sell your personal information.
5. Your Rights
You may access, correct, or request deletion of your account information by contacting support@areliscore.com, or by using the "Delete my account" option in your dashboard, which also disconnects any banks linked through Plaid. Because reported payment history may already reside with the credit bureaus, deleting your AreliScore account does not automatically remove information already furnished to them; you may dispute bureau records directly with each bureau under the FCRA. If you requested the free guide, you can unsubscribe with the link at the bottom of the email; you can also ask us to delete your name and email by writing to support@areliscore.com.
6. Data Retention
We retain your information for as long as your account is active and as needed to comply with legal, tax, and regulatory obligations related to consumer credit reporting. If you requested the free guide, we keep your name and email until you ask us to delete them.
7. Children's Privacy
AreliScore is not directed to individuals under 18. We do not knowingly collect information from minors.
8. Changes to This Policy
We may update this Privacy Policy periodically. Material changes will be reflected by updating the "Last updated" date above.
9. Contact Us
Questions about this Privacy Policy can be sent to support@areliscore.com.