Your data, handled lawfully.

When you request a credit evaluation or enroll in our services, we collect your name, email address, mobile phone number, credit score range, financial goals, and any credit report files you upload. We also collect information you provide through our contact form.

We use your information to:

• Audit your credit file and prepare disputes under the FCRA.
• Deliver identity and credit monitoring services you enroll in.
• Send service-related SMS messages via A2P 10DLC (with your consent, see below).
• Respond to your inquiries and provide customer support.
• Fulfill our legal and regulatory obligations.

By providing your mobile number and checking the SMS consent box, you authorize Microflair Financial to send automated and manual text messages regarding your credit evaluation and dispute results using a registered A2P 10DLC business messaging number in compliance with the TCPA and CTIA guidelines.

• Message frequency: approximately 2–4 messages per month.
• Message and data rates may apply. Carriers are not liable for delayed messages.
• Reply STOP to opt out of all SMS messages at any time.
• Reply HELP for support or email support@microflairfinancial.com.

You may withdraw SMS consent at any time without affecting your other services.

We do not sell your personal information. We share it only with: (a) the credit reporting agencies as necessary to file disputes; (b) our identity and credit monitoring partner (IdentityIQ®) for enrolled services; and (c) service providers bound by confidentiality who assist our operations. We may disclose information when required by law.

Your information is stored using 256-bit SSL encryption. Access is restricted to authorized personnel who require it to perform your services. Your mobile number is never sold or shared for marketing.

We retain your information for as long as your account is active and for a reasonable period thereafter to comply with legal obligations and resolve disputes.

Under the FCRA, you have the right to dispute inaccurate information directly with the credit bureaus at no cost. Under the CROA, credit repair organizations may not charge for services before they are fully performed, and may not make guarantees of specific results. Our services are optional; you may perform these actions yourself at no charge.

Depending on your state, you may have rights to access, correct, delete, or limit the use of your personal information. To exercise these rights, email support@microflairfinancial.com.

Our services are not directed to anyone under 18. We do not knowingly collect information from minors.

We may update this policy from time to time. We will post the updated version here with a revised "Last updated" date.

Questions about this policy? Email us at support@microflairfinancial.com.