Legal - Fynory Credit Builder

⚠️ Important Notice

We do not provide loans
Fynory is a membership service that helps you build credit history
Reports are processed manually and may take several days
Acceptance is not guaranteed

Last Updated: January 20, 2026

1. Agreement to Terms

By accessing or using Fynory Credit Builder, you agree to be bound by these Terms of Service and all applicable laws and regulations.

2. Service Description

Fynory Credit Builder is a membership service designed to help members build credit history. We are NOT a lender and do NOT provide loans, credit cards, or any form of credit.

What We Do:

Report your membership payments to credit bureaus (Equifax, Experian, and TransUnion)
Provide educational resources about credit building
Offer tools to track your credit-building progress

What We Don't Do:

Provide loans or lines of credit
Guarantee credit score improvements
Guarantee acceptance to any credit programs

3. Membership Plans

We offer three membership tiers: Boost Starter ($15/month), Boost Plus ($25/month), and Boost Premium ($45/month). Each plan includes reporting to all three major credit bureaus.

4. Payment Terms

Membership fees are billed monthly in advance. Payments must be made on time to ensure continuous credit reporting. Late or missed payments may be reported to credit bureaus and could negatively impact your credit score.

5. Reporting

We report your payment activity to credit bureaus on a monthly basis. Reporting is processed manually and may take several business days. We cannot guarantee the timing or acceptance of reports by credit bureaus.

6. Cancellation

You may cancel your membership at any time from your account dashboard. Cancellation will be effective at the end of your current billing period. No refunds are provided for partial months.

7. Limitation of Liability

Fynory is not responsible for credit score outcomes, credit bureau reporting delays, or decisions made by third-party lenders or creditors based on your credit report.

8. Contact Information

For questions about these Terms of Service, please contact us at: support@fynory.com

Last Updated: January 20, 2026

1. Information We Collect

Personal Information:

Name, email address, phone number
Social Security Number (for identity verification and credit reporting)
Date of birth
Address

Financial Information:

Payment method details (processed securely through Stripe)
Payment history
Membership plan information

Usage Information:

Device information and IP address
Browser type and version
Pages visited and features used

2. How We Use Your Information

To provide our credit-building membership service
To report your payment activity to credit bureaus
To verify your identity through third-party providers
To process payments securely
To communicate with you about your account
To improve our services

3. Information Sharing

We share your information with:

Credit Bureaus: We report your payment history to Equifax, Experian, and TransUnion
Identity Verification Partners: We use third-party services to verify your identity
Payment Processors: We use Stripe to process payments securely
Service Providers: We may share information with vendors who help us operate our business

4. Data Security

We implement industry-standard security measures to protect your personal information, including:

Encryption of data in transit and at rest
Secure payment processing through Stripe
Regular security audits and updates
Limited access to personal information by authorized personnel only

5. Your Rights

You have the right to:

Access the personal information we hold about you
Request correction of inaccurate information
Request deletion of your information (subject to legal requirements)
Opt out of marketing communications
Export your data

6. Credit Reporting

By using our service, you authorize us to obtain your credit information and report your payment activity to credit bureaus. This reporting may affect your credit score.

7. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Payment history may be retained indefinitely for credit reporting purposes.

8. Children's Privacy

Our service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes via email or through our service.

10. Contact Us

For privacy-related questions or to exercise your rights, contact us at: privacy@fynory.com

Legal Information

1. Agreement to Terms

2. Service Description

What We Do:

What We Don't Do:

3. Membership Plans

4. Payment Terms

5. Reporting

6. Cancellation

7. Limitation of Liability

8. Contact Information

1. Information We Collect

Personal Information:

Financial Information:

Usage Information:

2. How We Use Your Information

3. Information Sharing

4. Data Security

5. Your Rights

6. Credit Reporting

7. Data Retention

8. Children's Privacy

9. Changes to This Policy

10. Contact Us