Privacy Policy
Last updated: March 2024
1. What We Collect
When you create an account and use Jubilee, we collect the following information:
- Account information: Name, email address, mailing address, date of birth, and phone number (optional)
- Credit report PDF: Your uploaded credit report is processed in memory to generate your analysis. It is not permanently stored on our servers.
- Payment information: Payment is processed by Stripe. Your credit card number is never stored by Jubilee — it is handled entirely by Stripe's PCI-compliant infrastructure.
- Usage data: Which dispute letters you've generated, which items you've marked as sent, and your progress through your action plan.
2. How We Use Your Information
- To generate your personalized dispute letters, negotiation scripts, call scripts, and payoff plan
- To populate your dispute letters with your name and address
- To send transactional emails: welcome email, payment confirmation, and password reset
- To provide Credit Coach recommendations based on your credit profile
- To improve the product and fix bugs
3. What We Never Do
- We never sell your personal information to any third party, for any reason
- We never share your credit report data with third parties
- We never use your data for advertising — we have no ad partners, no affiliate tracking, and no data broker relationships
- We never send marketing emails to people who haven't signed up
4. Data Storage
Your account data (name, email, address, progress) is stored securely on Railway infrastructure with encrypted connections.
Your credit report PDF is processed in memory during analysis and is not permanently stored. After your analysis is complete, only the structured results (account categories, amounts, dispute reasons) are retained — not the raw PDF.
Dispute letter progress, document vault uploads, and Credit Coach data are stored in our database and tied to your account.
5. Cookies
Jubilee uses minimal cookies for session management only. We use localStorage to maintain your login session and save your analysis data locally in your browser for fast loading.
We do not use advertising cookies, tracking pixels, or any third-party analytics that track you across the web.
6. Your Rights
You may request deletion of your account and all associated data at any time by emailing [email protected]. We will delete your account, analysis data, progress tracking, uploaded documents, and any other data tied to your email within 30 days of your request.
You may also request a copy of all data we have associated with your account by emailing the same address.
7. Contact
For questions about this privacy policy or your data:
Jubilee is a product of J. Andrews Holdings LLC.