Privacy & Data Protection Policy – MyCreditUW

Privacy & Data Protection Policy

MyCreditUW is committed to responsible handling of user information, uploaded documents, AI-assisted outputs, readiness data, membership access data, and partner visibility workflows. This Privacy & Data Protection Policy explains how information may be collected, used, stored, protected, and shared within the MyCreditUW V2 platform.

        MyCreditUW is a readiness, education, preparation, document organization, AI-assisted insight, and controlled profile visibility platform. MyCreditUW is not a lender, underwriter, credit repair company, credit bureau, financial institution, or approval system.
    

1. Information We Collect

MyCreditUW may collect information provided directly by users, created through platform usage, generated through readiness tools, or produced by AI-assisted features.

Account registration information, including name, email address, login details, and membership level.
Profile and readiness information, including selected path, income, employment, debts, housing, credit estimates, reserves, goals, and related financial inputs.
Readiness outputs, confidence scores, progress outputs, simulations, and file readiness information.
Uploaded documents, document metadata, document categories, document status, expiration details, and document readiness information.
AI-assisted document extraction results, document evidence data, AI summaries, AI insights, and cached AI outputs.
Credit-report-related information entered or uploaded by the user, including visible facts extracted from uploaded credit reports.
Self-employment worksheet data, income worksheet calculations, and AI-assisted worksheet outputs.
What-If simulation inputs and outputs.
Partner visibility settings, consent settings, partner summary data, document request/release workflow data, and profile visibility activity.
Platform usage information, issue reports, device/browser information, page URLs, timestamps, and support-related submissions.

2. How Information Is Used

To create and restore user accounts and membership access.
To generate readiness reports, confidence scores, progress reports, document readiness views, and file readiness insights.
To support AI-assisted document reading, AI summaries, and plain-language readiness explanations.
To help users organize profile information, uploaded documents, and readiness gaps.
To support What-If simulations without overwriting official profile data unless a confirmed update flow is used.
To support partner visibility workflows when permitted by access rules, readiness thresholds, visibility settings, and user consent.
To manage membership access, locked sections, upgrades, pilot access, and promotional access.
To improve platform stability, security, user experience, QA, pilot feedback, and support handling.

3. Data Layer Separation

MyCreditUW V2 is designed around separated data layers so different types of information do not overwrite each other.

mcuIntakeLatest is intended for user-entered intake/profile inputs only.
mcuReadinessData is intended for official readiness outputs.
mcuProgressData is intended for progress outputs.
mcuDocumentWalletData is intended for document wallet records.
mcuDocumentEvidenceData is intended for document evidence and extraction support.
mcuSelfEmploymentWorksheetData is intended for worksheet sandbox data.
mcuSelfEmploymentAIData is intended for self-employment AI outputs.
mcuWhatIfData is intended for simulation-only data.
mcuPartnerSummaryData is intended for partner-facing summary data.
mcuFileReadinessAIData is intended for AI synthesis and file-readiness insights.

4. Uploaded Documents

Users may upload documents to support readiness preparation, including income documents, tax documents, credit reports, bank statements, identity documents, and other readiness-related records.

Uploaded documents should only be submitted by users who are authorized to upload them.
Documents may be stored, categorized, reviewed, or used to support readiness and confidence analysis.
Document metadata may be used to determine document status, expiration, category, and readiness support.
Document ownership checks may be used before document AI tools process uploaded files.
Raw documents should not be automatically exposed to partners without controlled release rules and user consent.

5. AI-Assisted Processing

MyCreditUW may use AI-assisted tools to help extract visible facts from uploaded documents, summarize readiness information, identify possible gaps, explain confidence signals, and provide plain-language insights.

AI tools may be limited by membership level, system availability, usage limits, or document quality.
AI outputs may be incomplete, inaccurate, or unable to read certain documents.
AI-generated results should be reviewed by the user before relying on them.
AI does not make lending, underwriting, credit repair, legal, tax, financial, or approval decisions.
AI results may be cached to reduce repeated processing and cost when source information has not changed.

6. Data Sharing & Partner Visibility

MyCreditUW does not sell user data. Certain information may become visible through controlled platform workflows depending on user consent, partner access, membership level, visibility settings, readiness thresholds, and platform rules.

User data is not sold or resold to third parties.
Partner-facing views are intended to show limited readiness and profile summary information, not unrestricted raw data.
Partner visibility may require user consent and profile visibility settings.
Document access may require a controlled request/release workflow.
Information may be disclosed if required by law, legal process, or platform security needs.

7. Third-Party Services

MyCreditUW may use third-party services for hosting, payment processing, membership access, forms, document uploads, email, analytics, AI processing, and related platform operations.

Payments may be processed through third-party payment providers.
Membership access may be managed through membership tools and related integrations.
Uploaded documents and AI processing may involve third-party infrastructure or AI providers.
Third-party services may have their own privacy practices and terms.

8. Data Protection Measures

Encrypted transmission through SSL/TLS where supported.
Authenticated access for protected platform areas.
Membership-based access controls through PMPro levels.
REST nonce validation for protected platform requests.
User-specific restore logic for account continuity.
Document ownership validation before certain document AI processing.
Role-based and consent-aware visibility rules for partner workflows.
Separate storage layers for intake, readiness, progress, documents, AI, simulations, and partner summaries.
Ongoing QA, pilot feedback, issue reporting, and production-readiness improvements.

9. Browser Storage and Account Restore

MyCreditUW may use browser storage and server-side user meta to support cross-page syncing, saved progress, login restoration, and account continuity. Users should log out after using shared devices.

Browser storage may temporarily hold working copies of platform state.
Server-side storage may restore saved profile, readiness, document, AI, and progress data after login.
Users should report any unexpected data display or wrong-account information immediately.
MyCreditUW is actively testing restore behavior and cross-account separation as part of V2 pilot readiness.

10. Data Retention

Information may be retained as long as needed to support platform functionality, account management, membership access, document workflows, AI outputs, readiness history, partner visibility, support, legal obligations, or operational requirements.

Users may request account review or data removal subject to applicable legal, operational, security, and recordkeeping requirements.

11. User Responsibilities

Maintain confidentiality of login credentials.
Submit accurate and authorized information.
Do not upload documents you do not have permission to upload.
Review AI-generated outputs and extracted document data for accuracy.
Use the platform only for lawful and authorized purposes.
Report incorrect account data, wrong-profile display, security concerns, or technical issues promptly.

12. Pilot and Testing Notice

MyCreditUW V2 may include pilot, beta, simulated, or early-release features. These features may change, contain bugs, be limited by access level, or require additional testing before broader release.

Some AI, document, partner, and admin features may still be evolving.
Issue reporting may be used to support pilot QA and platform improvement.
Security, audit logging, document release, AI governance, and production-readiness controls may continue to improve over time.

13. No Guarantee of Complete Security

MyCreditUW uses reasonable safeguards and is continuing to improve its security and access-control architecture. However, no online platform, storage system, AI tool, or document workflow can guarantee complete security, uninterrupted access, or error-free operation.

Users should not treat MyCreditUW as a secure document vault, legal record system, lender system, credit bureau system, or official underwriting platform. The platform is designed for readiness preparation, organization, and controlled visibility.

14. Policy Updates

This Privacy & Data Protection Policy may be updated periodically to reflect platform changes, operational improvements, security enhancements, AI features, document workflows, partner visibility rules, legal requirements, or pilot feedback.

        MyCreditUW does not originate loans, make credit decisions, repair credit, guarantee approvals, or function as a financial institution. Platform outputs are preparation-focused and informational only.
    