Privacy Policy

1. Information We Collect

We collect information you provide directly to us, including:

• Personal Identification Information — Full name, date of birth, Social Security Number (required for credit dispute processing), address, phone number, and email address.
• Credit Information — Credit reports, account details, and dispute documentation you share with us to facilitate our services.
• Payment Information — Billing name, payment card details, and billing address. Payment transactions are processed through secure third-party payment processors and we do not store full card numbers.
• Account Information — Username, password, and preferences associated with your client portal account.
• Communications — Emails, messages, and other correspondence you send us.
• Usage Data — IP address, browser type, pages visited, referring URLs, and session duration collected automatically when you use our website.

2. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain our credit repair and dispute services
• Process and track disputes with the three major credit bureaus (Equifax, Experian, TransUnion) and creditors on your behalf
• Create and manage your client portal account
• Process payments and send billing-related communications
• Communicate with you about your account, service updates, and results
• Respond to your inquiries and provide customer support
• Comply with applicable laws and regulations, including the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA)
• Detect and prevent fraud or unauthorized access
• Improve our website and services through analytics
• Send you marketing communications (with your consent; you may opt out at any time)

3. How We Share Your Information

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share your information in the following limited circumstances:

• Credit Bureaus & Creditors — We share your personal and credit information with Equifax, Experian, TransUnion, and individual creditors solely to process disputes on your behalf.
• Service Providers — We may share information with trusted third-party vendors who assist us in operating our website, processing payments, or delivering our services (e.g., payment processors, cloud hosting providers, CRM platforms). These parties are contractually obligated to protect your data.
• Legal Compliance — We may disclose information where required by law, court order, or government authority, or when we believe disclosure is necessary to protect our rights or the safety of others.
• Business Transfers — In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.

4. Data Security

We implement industry-standard administrative, technical, and physical security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include SSL/TLS encryption, restricted access controls, and secure data storage.

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security. You are responsible for keeping your client portal login credentials confidential.

5. Data Retention

We retain your personal information for as long as your account is active or as needed to provide our services. We may retain certain information for longer periods as required by law (including tax and financial recordkeeping obligations) or to resolve disputes and enforce our agreements. When your information is no longer needed, we will securely delete or anonymize it.

6. Your Rights and Choices

Depending on your state of residence, you may have the following rights regarding your personal information:

• Access — Request a copy of the personal information we hold about you.
• Correction — Request that we correct inaccurate or incomplete information.
• Deletion — Request that we delete your personal information, subject to certain legal exceptions.
• Opt-Out of Marketing — Unsubscribe from promotional emails at any time by clicking the "unsubscribe" link in any marketing email or by contacting us directly.
• Data Portability — Request a portable copy of your data in certain circumstances.

To exercise any of these rights, please contact us at [email protected]. We will respond within 30 days.

7. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and understand where our visitors come from. Cookies are small data files stored on your device.

You can instruct your browser to refuse cookies or alert you when cookies are being sent. However, some parts of our website may not function properly if you disable cookies. We do not currently respond to "Do Not Track" browser signals.

8. Third-Party Links

Our website may contain links to third-party websites, including credit monitoring services and payment platforms. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child under 18 has provided us with personal information, we will take steps to delete such information promptly.

10. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete your personal information, and the right to opt out of the sale of your personal information. We do not sell personal information. To exercise your CCPA rights, contact us at [email protected].

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page and, where appropriate, notify you by email or through our client portal. Your continued use of our services after any changes constitutes your acceptance of the updated policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: