Spinwheel Consumer Support Center

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Consumer Support Center.

Our foundation is built on helping consumers understand their credit, trade lines, and any obligations. The Spinwheel platform powers leading personal finance management apps, marketplaces, and lenders. Visit our Trust Center at https://trust.spinwheel.io/.

If you have previously shared your data with Spinwheel, such as connecting data through a personal financial management app or accessing data to apply for a loan, please view more details about how we handle your data below, including steps to disconnect your data or revoke access.

In addition, Spinwheel operates as a consumer reporting agency. You can view resources below to help you understand your rights under the Fair Credit Reporting Act (FCRA).

How We Handle Your Data.

1. User Verification

Your security starts with verifying your identity. We use secure two-factor authentication to confirm it’s you and ensure that only you can access and authorize the use of your data.

2. Securely Retrieve Your Account Information

We ensure that your account data is retrieved securely and only with your explicit authorization. Our systems are built with multiple layers of encryption and bank-level security to protect your information every step of the way.

3. Control Your Data Access

Your data is yours to control. If you ever want to disconnect your data or revoke access, you can easily do so by reaching out to us at this link.

Your Consumer Rights Under FCRA.

As a consumer reporting agency, Spinwheel provides consumers and businesses access to credit and financial information obtained from national credit reporting agencies and other data sources.

We are committed to helping consumers understand their rights under the Fair Credit Reporting Act (FCRA) and making it easy to access, dispute, and protect their information.

Important Disclosure.

Spinwheel does not create or modify the underlying credit data reported by lenders. If you need a complete credit report directly from a credit bureau, you should contact Equifax, Experian, or TransUnion directly.

Mailing Address:

Spinwheel Solutions, Inc.

c/o Consumer Support

490 43rd Street, Suite 24

Oakland, CA 94609, United States

Request a copy of your consumer report.

Submit a dispute for inaccurate data.

Revoke data access for a prior authorization.

Get help if you are a victim of identity theft or fraud.

Request special protections for human trafficking victims.

Understand adverse action notices and your rights.

Learn more about your rights under the FCRA.

Contact the Spinwheel Consumer Support team.

Safety is at Our Core.

Data Encryption

We use industry-standard encryption protocols to protect your data in transit and at rest. Whether your data is being accessed, shared, or stored, it’s encrypted with the highest security standards to ensure its confidentiality and integrity.

U.S.-Only Data Storage

Your data is stored in the United States. We believe in keeping your information close to home, ensuring that all of our storage and processing facilities comply with U.S. data protection laws and regulations.

Data Protection

Protecting your data is our top priority. Our platform employs multiple layers of defense, including advanced firewalls, intrusion detection systems, and continuous monitoring, to safeguard your information against threats and unauthorized access. And, we will never sell your data.

Independent Security Testing

We regularly conduct independent security testing, including vulnerability assessments and penetration testing, to identify and address potential risks. These tests are performed by trusted third-party security experts to ensure that our systems remain resilient and secure.

Legal Notice Disclosures

Spinwheel Solutions Inc. (“Spinwheel”) is a consumer reporting agency (CRA) under the Fair Credit Reporting Act (FCRA). Spinwheel provides consumer reports and related services through its platform; our FCRA obligations apply to the reports and processes we operate. Actions taken by Spinwheel do not directly change information maintained by other nationwide consumer reporting agencies (Equifax, Experian, TransUnion). Submitting a request to Spinwheel does not remove the need to contact those agencies directly to exercise your FCRA rights. If you select email on our form you consent to receive communications electronically. Spinwheel does not provide legal advice; for questions about your rights consult an attorney or the Consumer Financial Protection Bureau at https://www.consumerfinance.gov.

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