Your data
Here's how Bivo protects your data.
Bivo checks your credit with one soft pull, uses your full Social Security number only for that check and never sells your information. This page shows what Bivo keeps, who can see it and how to delete it. It also covers who's behind Bivo and why it's free.
- Soft pull only
- SSN used once
- Encrypted in transit and at rest
- Never sold
Where your data goes
Follow your details from the setup form to your report, and see what Bivo keeps at each stop.
Stop 1
You enter your details
Your name, date of birth, address, phone number and SSN go into the setup form.
Privacy Policy, section 1Stop 2
They travel encrypted
Everything between your device and Bivo is encrypted in transit with TLS.
Privacy Policy, section 6Stop 3
Equifax matches your file
No report is pulled until your details match your Equifax file, so no one else can pull your report through Bivo.
Privacy Policy, section 6Stop 4
Bivo makes one soft pull
Bivo gets your report and your score with a soft inquiry. It doesn't affect your score.
Privacy Policy, section 3Stop 5
Your SSN is dropped
Bivo keeps only the last four digits of your SSN to identify your account.
Privacy Policy, section 1Stop 6
Your data is stored encrypted
Stored data is protected with 256-bit encryption at rest, and each account's data is kept separate.
Privacy Policy, section 6Stop 7
You can delete it
Closing your account deletes your reports, scores, plan and Advisor conversations.
Privacy Policy, section 7
Bivo only uses soft pulls
A soft inquiry lets Bivo read your report without touching your score. Bivo never runs a hard inquiry.
Bivo's soft pull
It reads your report and changes nothing.
- It doesn't affect your credit score.
- Only you see it when you look at your own report.
- Bivo makes it once, during setup, with your permission.
- It returns your Equifax report and your VantageScore® 4.0 score.
A hard inquiry
It comes from a lender when you formally apply.
- It happens when you formally apply for credit with a lender.
- It can lower your score a little.
- Other lenders can see it on your report.
- Bivo never runs one.
Checking your credit with Bivo uses soft inquiries, which do not affect your credit score.
Your credit report is retrieved only with your written authorization under the Fair Credit Reporting Act, using soft inquiries that do not affect your credit score.
Your Social Security number is used once
Equifax needs your SSN to find your file. Bivo sends it once for the check and doesn't store it.
- Used onceYour full SSN goes to Equifax over an encrypted connection so it can find your file.
- Not storedAfter the check, Bivo keeps only the last four digits to identify your account.
- Kept out of chatsThe Advisor is instructed never to ask for your SSN. Please don't type it into a chat.
Your full Social Security number is used transiently to retrieve your report and is not stored by the consumer Service — after retrieval we retain only its last four digits, for account identification.
Almost there
Used once to match your Equifax credit file. Soft check — no impact to your credit score.
What Bivo keeps and what it never does
The first list is the one in Settings under Privacy & data. The second comes from the Privacy Policy.
What Bivo keeps
- Your account: your email and name.
- The details you gave for your Equifax check: name, date of birth, address, phone and the last 4 digits of your SSN. Bivo doesn't keep your full SSN.
- Your report snapshot.
- Your plan progress.
- Your Advisor conversations.
- Records of what you agreed to.
What Bivo never does
- Bivo never stores your full Social Security number. Privacy, section 1
- Bivo never sells your personal information. Privacy, section 4
- Bivo never uses your credit data for advertising. Privacy, section 2
- Bivo never runs a hard inquiry. Privacy, section 3
- Bivo never stores your password in plain text. Privacy, section 6
- Bivo never uses third-party advertising cookies. Privacy, section 5
How your data is protected
These safeguards come from section 6 of the Privacy Policy.
Encrypted in transit
Everything between your device and Bivo travels over TLS.
Encrypted at rest
Stored data is protected with 256-bit encryption.
Extra care for identity details
Sensitive identity fields get additional protection inside Bivo's systems.
Hashed passwords
Passwords are stored only in hashed form and never in plain text.
Restricted access
Only the small set of people who need it to run Bivo can reach user data, through role-based permissions.
Logged access
Access to production systems and user data is recorded in audit logs.
Each account kept apart
Row-level security in the database keeps each account's data separate.
Protected sign-in
Verified sign-in, session controls and rate limiting defend accounts against automated attacks.
No method of transmission or storage is completely secure; we cannot guarantee absolute security, and you are responsible for maintaining the confidentiality of your own credentials.
Who can see your data
Picture four rings with you in the middle. Here's who is in each ring and the rules they follow.
- YouEverything in your account is yours to see, from your report to your Advisor conversations.
- Bivo's team, when they need toOnly the small set of people who need it to run the service, with role-based permissions and audit logs.
- Service providers, under contractCredit reporting and identity verification, hosting and databases, email delivery, AI processing, and security providers work for Bivo under contracts that limit their use of your data.
- Partners, only if you chooseIf you choose to explore a partner's service, Bivo shares only what that choice needs, with your consent.
Partners only get what you choose to share
Debt consolidation and other debt solutions come from separate partner services. Nothing goes to a partner unless you choose one, and you never have to.
Read how prequalification worksInformation is shared with a partner only at your direction and with your consent, as described in our Privacy Policy.
Debt consolidation and other debt solutions are provided through third-party partners, each a separate service with its own terms and privacy policy. Bivo may receive compensation in connection with partner services. You are never obligated to use a partner service.
Section 4 of the Privacy Policy also covers legal requests, safety and corporate transactions.
Bivo keeps a record of what you agree to
You agree to two things before Bivo checks your credit. Each record keeps the version you agreed to and when. You can read both in Settings under What you agreed to.
- The Terms of Service and the Privacy PolicyYou agree to the Terms and the Privacy Policy when you create your account.
- The Equifax credit check authorizationYou give it on the last setup screen, before the soft pull.
I authorize Bivo to obtain my Equifax credit report through a soft inquiry to verify my identity and provide credit insights. This won't affect my credit score.
You may revoke this authorization at any time by closing your account, after which no further retrievals will occur.
What you agreed to
Terms of Service and Privacy Policy
Version 2026-07-12 · Agreed Sep 14, 2026 · when you signed up
Equifax credit check authorization
Version 1.0 · Agreed Sep 14, 2026 · during setup
Show the text you agreed to
I authorize Bivo to obtain my Equifax credit report through a soft inquiry to verify my identity and provide credit insights. This won't affect my credit score.
Deleting your account revokes your credit report authorization.
Delete your data whenever you want
You can close your account from Settings at any time. Here's what happens when you do.
- Open Settings and choose Delete account.
- Read what gets deleted and type your email to confirm.
- Bivo deletes your data and signs you out.
Closing your account permanently deletes your credit reports, scores, account history, plan, and advisor conversations from our production systems and revokes your credit report authorization.
Bivo keeps only the records the law requires, such as records of consents and authorizations. Data held in secure backups is kept out of use until it can be deleted.
Delete your account
This can't be undone. Read what happens first.
What gets deleted
Your authorization for Bivo to check your credit is revoked.
Bivo keeps only the records the law requires. The Privacy Policy explains which.
Afterwards you land on a goodbye page that confirms your account is closed. You can always create a new one later.
Your rights and choices
See and correct your information
Depending on your state, you may have the right to access, correct, delete or get a copy of your personal information. Section 8 of the Privacy Policy lists these rights.
Fix errors on your report
Your report is kept by Equifax. You can dispute anything inaccurate directly with Equifax or with the creditor that reported it.
No different treatment
The Privacy Policy says you won't be treated differently for using your privacy rights.
Choose your cookies
Bivo uses only the cookies it needs to work and runs no analytics scripts today. You can set your analytics choice anytime.
The Privacy Policy, section 8 has the full list of rights and choices.
Who's behind Bivo
Bivo is a product of Aurora Technologies Group. It's a free credit-insights service that gets your Equifax report through a licensed provider, explains it in plain English and builds you a plan.
A credit report is long, and it's written in the bureau's own words. Bivo exists to explain yours and show you what to do next.
Aurora Technologies Group makes debt and credit easier to understand. Bivo is one of its products.
Equifax's words and Bivo's
Equifax says: NOT ENOUGH AVAILABLE CREDIT ON REVOLVING ACCOUNTS
Bivo says: Your card balances are high compared with your limits.
Equifax says: TOO MANY INQUIRIES
Bivo says: There are a lot of recent credit checks on your file.
Why Bivo is free
You don't pay for Bivo. You never need a payment method.
The Service is provided free of charge.
Bivo may receive compensation in connection with partner services. This compensation does not change the analysis the Service presents to you, and you are never obligated to use a partner service.
In plain words, partners may pay Bivo in connection with their services. That doesn't change what Bivo shows you, and you never have to use a partner.
What Bivo is not
Bivo explains your credit. It doesn't lend, repair credit or give financial advice. Here is the exact wording.
- Not a lender
- Not a bank
- Not a credit bureau
- Not a credit repair organization
- Not a debt collector
- Not a law firm
- Not a financial advisor
Bivo is a free credit-insights service provided by Aurora Technologies Group. Bivo is not a lender, credit bureau, credit repair organization, law firm, or financial advisor, and does not make credit decisions. Bivo's guidance is for educational purposes only and is not financial, legal, or tax advice.
Bivo is not a lender, a bank, a credit bureau or consumer reporting agency, a credit repair organization as defined under the Credit Repair Organizations Act (15 U.S.C. §1679 et seq.), a debt collector, a law firm, or a registered financial, investment, or tax advisor. Bivo does not originate, broker, or service loans; does not make or influence credit decisions; does not negotiate, settle, or repair debts; does not dispute items on your credit report on your behalf; and does not guarantee any credit score change or any particular financial outcome.
Ready to see where your credit stands?
It's free, you don't need a credit card, and the soft pull never affects your score.