Privacy Policy

1. Introduction

Reclaim-Yours.com ("Reclaim-Yours," "we," "us," or "our") is dedicated to protecting your personal data. This Privacy Policy outlines how we collect, utilize, disclose, and secure your information when you visit www.Reclaim-Yours.com and interact with our platform (the "Service").

By using the Service, you agree to the practices described herein. Based in California, Reclaim-Yours adheres to the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA).

2. Information We Collect

We gather only the data necessary to provide our consumer advocacy tools. This includes:

• •Identifiers: Your name, email address, physical mailing address, phone number, IP address, and unique device IDs.
• •Financial & Transactional Data: Bank statements or transaction records you upload, subscription histories, and merchant data retrieved through authorized account linking.
• •Payment Details: Credit card or bank info is processed via Stripe (our PCI-DSS compliant partner). Reclaim-Yours does not store full card numbers or CVV codes.
• •Sensitive Personal Information: Financial account data used specifically to find recurring charges. We limit the use of this data strictly to the performance of the Service.
• •Usage Data: Information on how you interact with our website, including browser type, pages viewed, and session duration.

3. Data Security & Processing

We employ industry-standard security measures to keep your data safe:

• •Encryption: We use SSL/TLS for data in transit and AES-256 encryption for sensitive data at rest.
• •Access Control: Data access is restricted to authorized personnel via role-based permissions.
• •Secure Payments: All transactions are handled by Stripe. Their privacy and security policies govern the processing of your payment details.

4. How Your Information is Used

We use your data for legitimate business operations, such as:

• •Service Delivery: Identifying subscriptions and billing patterns.
• •AI-Assisted Drafting: Generating custom cancellation or dispute letters based on your uploaded data.
• •Account Management: Handling activation fees, monthly renewals, and providing 24/7 support.
• •Compliance: Meeting legal obligations, preventing fraud, and enforcing our Terms of Service.

5. AI & Automated Processing

Reclaim-Yours uses AI-assisted tools to organize your financial data.

• •No Training: Your personal data is not used to train third-party AI models for their own independent use.
• •User Control: AI tools are used for drafting; you remain the final reviewer and decision-maker for all generated documents.

6. Information Sharing

We only share data in the following circumstances:

• •Service Providers: With trusted vendors (like cloud hosts or Stripe) who help us run the Service.
• •User-Directed Sharing: If you ask us to send a letter to a merchant, we share only what is necessary to complete that request.
• •Legal & Business Transfers: To comply with law enforcement or in the event of a merger/acquisition.

7. California Privacy Rights (CCPA / CPRA)

California residents have specific rights regarding their data:

• •Right to Know/Access: Request the specific pieces of data we have collected.
• •Right to Delete: Request that we erase your personal information.
• •Right to Correct: Request fixes for inaccurate data.
• •Right to Limit: Restrict the use of sensitive personal information.
• •Right to Opt-Out: Though we don't sell data, you have the right to opt-out of such sales.
• •Non-Discrimination: We will never penalize you for exercising these rights.

8. Data Retention & Children's Privacy

• •Retention: We keep your data only as long as necessary to provide the Service, resolve disputes, or comply with the law. After that, it is securely deleted or anonymized.
• •Minors: Our Service is for users 18 and older. We do not knowingly collect data from children.

9. Contact Us

For privacy requests or questions regarding this policy, please reach out via: