Terms & Policies

1. Information We Collect

To provide our services and satisfy legal requirements, we collect several types of information:

• Personal Identity Data: Name, date of birth, Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), physical address, email address, and phone number.
• Lease & Rental Data: Landlord or Property Manager contact details, lease agreements, rent amounts, due dates, and historic payment records.
• Financial & Bank Transaction Data: When you link a bank account via our third-party data aggregators (e.g., Plaid), we collect transaction data, account balances, and account numbers necessary to isolate and verify your rental payments. We do not see or store your bank login passwords.
• KYC Verification Data: Government-issued identification (e.g., driver’s license, passport), utility bills, or selfie biometric data used strictly to verify your identity.

2. Know Your Customer (KYC) and Identity Verification

To prevent identity theft, financial fraud, and money laundering, RentCreditBoost™ implements strict Know Your Customer (KYC) protocols.

Why we verify: Credit bureaus require absolute certainty that the payment history being added to a credit profile belongs to the correct individual. Misreporting data to the wrong credit file violates federal law.

• Verification Process: We use automated third-party identity verification services to match the PII you provide against public records and credit bureau databases.
• Document Inspection: You may be required to upload a clear photograph of a government-issued ID. In some instances, our vendor may use facial recognition technology to compare your ID photo to a selfie to ensure authenticity.
• Compliance Checks: Your information may be screened against government watchlists (such as the OFAC Sanctions List) to ensure regulatory compliance.
• Refusal of Service: If your identity cannot be verified to our standards or the standards of our credit bureau partners, we reserve the right to deny or terminate your account immediately.

3. How We Use Your Information

We use the collected data strictly for business operations, including:

• Verifying your identity through our KYC protocols.
• Formatting and securely transmitting your rental payment history to major Credit Reporting Agencies (CRAs) like Equifax, Experian, and TransUnion.
• Communicating with your landlord or property management company to verify lease details.
• Maintaining, optimizing, and auditing our platform’s performance and security.

4. How We Share Your Information

We do not sell your personal data to third-party marketers. We only share your data under the following circumstances:

• With Credit Bureaus: Your verified identity and rental payment history are transmitted directly to national CRAs to potentially build your credit history.
• With Service Providers: We share data with trusted vendors who perform services on our behalf, including identity verification (KYC) providers, secure bank-linking networks, and cloud hosting platforms. These vendors are contractually required to protect your data.
• For Legal & Regulatory Compliance: We may disclose your information if required by law, subpoena, or government request, or to protect the safety, rights, or property of CreditLink®, our users, or the public.

5. Data Security and Retention

We implement robust administrative, technical, and physical safeguards designed to protect your sensitive financial information:

• Encryption: All data is encrypted in transit using Transport Layer Security (TLS) and at rest using advanced encryption standards (AES-256).
• Retention: We retain your KYC documentation and transaction history for as long as your account is active, or as required by applicable laws and regulations (such as financial record-keeping laws and the FCRA). Once the retention period expires, your data is securely deleted or anonymized.

6. Your Rights and Choices

Depending on your state of residence, you may have specific rights regarding your personal information, including:

• Access & Correction: The right to request access to the data we hold about you and request corrections to inaccurate information.
• Account Deletion: The right to request that we delete your account and personal data (subject to legal, regulatory, or transactional retention requirements).
• Opting Out of Bank Linking: You can disconnect your bank account at any time, though this will stop automated payment verification.

7. Children’s Privacy

Our services are directed strictly to individuals who are at least 18 years of age. We do not knowingly collect or solicit personal information from children under the age of 13.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or regulatory requirements. We will notify you of any material changes by posting the updated policy on our platform and updating the “Last Updated” date.

Contact Us

If you have any questions or concerns regarding this Privacy Policy or our identity verification practices, please contact our Compliance Officer at:

Email: privacy@rentcreditboost.com

Mailing Address: RentCreditBoost™ c/o CreditLink® Corporation 6050 Santo Rd, Suite 135, San Diego, CA 92124

For general questions see our FAQ or contact the team.