UpCredit Privacy Policy

Effective Date: [Insert Launch Date]
Last Updated: [Insert Date]

1. Introduction

UpCredit, LLC (“UpCredit,” “we,” “our,” or “us”) is a wholly owned subsidiary of LV Collective Management, LLC. UpCredit provides rental payment reporting services designed to help tenants establish and improve their credit history by furnishing verified positive rental payment data to the three nationwide consumer reporting agencies (“Credit Bureaus”): Experian, Equifax, and TransUnion.

This Privacy Policy explains how we collect, use, share, and protect your personal information. By using our services or visiting our website (the “Site”), you agree to the terms of this Privacy Policy.

2. Information We Collect

UpCredit does not collect payment data directly from tenants. Instead, we receive limited data from Entrata, our property management system (“PMS”) and system of record, which securely stores your rental account details. The data we process may include:

Tenant identification details (name, address, lease ID, property ID)
Rental payment status and transaction history
Lease start and end dates
Unit and property details
Limited account reference or success identifiers for data validation

We do not collect bank account numbers, Social Security numbers, or other sensitive identifiers directly from tenants. Such data remains securely stored and managed by Entrata.

3. How We Use Information

We use this information only to:

Report timely rental payments to Credit Bureaus in accordance with the Fair Credit Reporting Act (FCRA)
Validate and reconcile data from Entrata to ensure accurate reporting
Handle disputes or corrections as required by law
Maintain operational and compliance records
Provide support for opt-out requests and account inquiries

4. How We Share Information

UpCredit shares limited tenant data only with:

Credit Bureaus (Experian, Equifax, and TransUnion)
Entrata, as our secure system of record and payment processor
Service providers who support secure data transfer, validation, or compliance operations

We do not sell or rent personal information. Any sharing is limited to what is necessary to operate the UpCredit service.

5. Data Storage & Security

We rely primarily on Entrata’s data security framework for the handling and protection of tenant data. UpCredit’s internal storage is limited to anonymized success logs and data necessary for reconciliation and compliance.

We employ:

Secure transmission protocols (STS/SFTP/API)
Access controls based on least-privilege principles
Regular review of system access and compliance audits

6. Opt-Out Rights

Participation in UpCredit’s credit reporting program is voluntary. You may opt out at any time through our website or by contacting us via email or mail.

Opting out will:

Stop future reporting of rental payments to Credit Bureaus
Not remove previously reported data from your credit history

7. Data Retention

We retain furnishing and dispute records for a reasonable period, consistent with our FCRA Furnisher Policy, typically not less than three years, or longer as required by law or legal hold.

8. Your Rights

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

Access and correction rights
Request for deletion (subject to legal retention obligations)
Opt-out of data sharing

To exercise your rights, contact us using the information below.

9. Contact Information

Mailing Address:
UpCredit LLC
Attn: Privacy Officer
801 Congress Avenue, Suite 200
Austin, TX 78701

Email: privacy@upcredit.co
Phone: [TBD]

10. Updates to This Policy

We may update this Privacy Policy periodically. The revised version will be posted on our website with an updated effective date.