How we collect, use, and protect your personal information — including your GLBA and CCPA rights.
Last updated: June 18, 2026
Draft for review. This page is a working draft and must be reviewed and approved by counsel before the site goes live. The company mailing address is still to be added and final legal copy is pending counsel sign-off.
This Privacy Policy (this "Policy") describes how ScoreGuardians LLC, an Ohio company doing business as Score Guardians ("we," "us," or "Score Guardians"), collects, uses, shares, and protects information about you when you visit our website, create an account, or use our credit monitoring subscription service (collectively, the "Service"). By using the Service, you acknowledge that you have read and understood this Policy.
Because we collect financial information including Social Security numbers and credit data, this Policy also serves as our Gramm-Leach-Bliley Act (GLBA) Privacy Notice as described in Section 7 below.
We collect the following categories of information, depending on how you interact with us:
We use the information we collect to:
We do not sell your personal information. We do not sell, rent, or trade your name, SSN, credit data, or any other personal information to third parties for their own marketing purposes.
We share your information only as follows:
We transmit your name, address, date of birth, and SSN to Array Services, Inc. (or its successor) solely to retrieve your credit reports and scores on your behalf. Array is contractually required to use this information only to fulfill that purpose and to maintain appropriate security safeguards. Array's own privacy policy governs their data practices.
We transmit your name, billing address, and card details to our payment processor to charge your monthly subscription fee. Our payment processor is contractually prohibited from using your payment data for any purpose other than completing your transaction and preventing fraud.
We use a third-party identity verification service to confirm that the SSN you provide matches your identity before granting access to your credit data. This vendor is contractually bound to use your information solely for that verification purpose.
We use third-party providers for web analytics, error logging, email delivery, and cloud infrastructure. These providers access only the data necessary to perform their specific function and are prohibited from using it for their own purposes.
We may disclose information: (i) in response to a valid subpoena, court order, or legal process; (ii) to protect the rights, property, or safety of Score Guardians, our members, or the public; (iii) in connection with a fraud investigation; or (iv) as part of a merger, acquisition, or sale of all or substantially all of our assets (with notice to you).
We retain your account information, including identity and enrollment data, for as long as your account is active. After cancellation, we retain records for a period of at least seven (7) years as required by financial record-keeping laws (including the GLBA) and to resolve any disputes that may arise. Credit report data cached for alert generation is retained for a period sufficient to detect meaningful changes; raw report snapshots are purged on a rolling basis. Anonymized, aggregated analytics data may be retained indefinitely.
You may request deletion of your personal information as described in Section 6. Note that we may be required to retain certain records despite a deletion request to satisfy our legal obligations.
We apply security measures appropriate for a service that handles financial and SSN data. Please see our Security & Trust page for a full description of our practices. In summary: data is encrypted in transit (TLS) and at rest; access to systems holding your SSN and credit data is restricted to personnel who require it; and we maintain an incident response program. No system is perfectly secure, and we cannot guarantee absolute security.
If you believe your Score Guardians account has been compromised, contact us immediately at (855) 472-6734 or support@scoreguardians.com.
You may log in to your account at any time to review and update your contact information. If you believe any of the personal information we hold is inaccurate, contact us and we will investigate and correct it.
You may request deletion of your personal information by canceling your account and submitting a deletion request to support@scoreguardians.com. We will honor your request subject to our legal retention obligations and any active fraud or dispute hold. Deletion of your account will terminate your access to credit monitoring. It will not delete your underlying credit reports held by the bureaus themselves — you must contact Equifax, Experian, and TransUnion directly for those.
You may opt out of marketing emails at any time by clicking the "unsubscribe" link in any promotional email we send. You cannot opt out of transactional service emails (e.g., billing receipts, security alerts, cancellation confirmations) because those are necessary to administer your account.
Score Guardians does not create or maintain your credit history — we only retrieve and display it. If you believe your credit file contains errors, you must dispute directly with the credit reporting agency (Equifax, Experian, or TransUnion) that furnished the report, and/or with the CFPB at consumerfinance.gov/complaint. See also the FCRA rights summary in our Terms of Service.
This section fulfills our notice obligations under the Gramm-Leach-Bliley Act (15 U.S.C. § 6801 et seq.) and the GLBA Safeguards Rule (16 C.F.R. Part 314).
We collect nonpublic personal financial information about you including your name, address, date of birth, Social Security number, payment card information, credit reports, and credit scores as described in Section 1 above.
We share information only with the categories of third parties described in Section 3 — our credit-data provider (Array), our payment processor, our identity-verification vendor, and analytics/infrastructure service providers — and only to the extent necessary to deliver the Service.
The GLBA provides you the right to opt out of certain information sharing with non-affiliated third parties. Score Guardians does not share your nonpublic personal information with non-affiliated third parties for their own marketing purposes, so there is no opt-out action required. However, if we ever change this practice, we will provide you with a new notice and opt-out opportunity at that time.
We have implemented a written information security program consistent with the GLBA Safeguards Rule expectations, including access controls, encryption, employee training, and vendor oversight. Please see our Security & Trust page for more detail.
If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), gives you additional rights:
You have the right to request that we disclose: (a) the categories of personal information we have collected about you; (b) the categories of sources; (c) our business purposes for collecting that information; (d) the categories of third parties we share it with; and (e) the specific pieces of personal information we hold about you.
You have the right to request deletion of the personal information we have collected from you, subject to certain exceptions (e.g., completing your transaction, legal obligations, detecting security incidents).
You have the right to request that we correct inaccurate personal information we maintain about you.
Do Not Sell or Share My Personal Information. Score Guardians does not sell your personal information, and we do not share your personal information for cross-context behavioral advertising. There is nothing to opt out of at this time. If our practices ever change, we will update this notice and provide you a mechanism to opt out.
We will not discriminate against you for exercising your CCPA rights. We will not deny you goods or services, charge different prices, or provide a different level of service because you exercised a privacy right.
Submit a verifiable consumer request by emailing support@scoreguardians.com with the subject line "California Privacy Request" or by calling (855) 472-6734. We will respond within 45 days (extendable by 45 additional days with notice). We may require you to verify your identity before honoring a request.
The Service is not directed to persons under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, contact us immediately at support@scoreguardians.com and we will delete it promptly.
We may update this Policy from time to time. When we make material changes, we will notify you by email and/or by a prominent notice on the Service at least 30 days before the changes take effect. Your continued use of the Service after the effective date constitutes your acceptance of the revised Policy. The Last updated date at the top of this page reflects the date of the most recent revision.
Privacy questions, requests, or concerns: