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Privacy Policy

Last updated: January 17, 2026

1. Introduction

Crelo ("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 credit reporting platform and related services.

2. Information We Collect

We collect information that you provide directly to us, including:

  • Account Information: Name, email address, phone number, company name, and password when you create an account.
  • Driver Information: Name, email, phone number, date of birth, Social Security Number (SSN), and address for drivers enrolled in credit reporting.
  • Payment Information: Bank account details (when linking via Plaid), payment card information (processed by Stripe), and payment history.
  • Usage Data: Information about how you interact with our platform, including log data, device information, and analytics.

3. How We Use Your Information

We use the information we collect to:

  • Provide, maintain, and improve our services
  • Report payment history to credit bureaus (Equifax, Experian, TransUnion)
  • Process payments and manage billing
  • Send transactional emails and notifications
  • Respond to your requests and provide customer support
  • Comply with legal obligations and enforce our terms

4. Information Sharing

We may share your information with:

  • Credit Bureaus: We report payment data to Equifax, Experian, and TransUnion to help drivers build credit history.
  • Payment Processors: We use industry-leading payment processors for bank account verification and payment processing.
  • Service Providers: Third-party vendors who assist us in operating our platform (e.g., hosting, email services).
  • Legal Requirements: When required by law or to protect our rights and safety.

5. Data Security

We implement industry-standard security measures to protect your data, including:

  • 256-bit SSL/TLS encryption for data in transit
  • AES-256 encryption for sensitive data at rest (including SSNs)
  • SOC 2 compliant cloud infrastructure
  • Regular security audits and penetration testing
  • Multi-factor authentication options

6. Your Rights

You have the right to:

  • Access and receive a copy of your personal data
  • Request correction of inaccurate data
  • Request deletion of your data (subject to legal retention requirements)
  • Opt out of marketing communications
  • Dispute information reported to credit bureaus

7. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Credit reporting data is retained in accordance with FCRA requirements.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

9. 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 and updating the "Last updated" date.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Email: privacy@getcrelo.com