How We Protect Your Information

1. Who We Are

The Credit Connect LLC ("The Credit Connect," "we," "us," or "our") is a credit-services organization headquartered at 30 N Gould St, Sheridan, WY 82801. We provide credit-education, dispute, and credit-building services to consumers across the United States. This Privacy Policy explains what personal information we collect, how we use and protect it, and your rights regarding that information.

2. Information We Collect

2.1 Information You Provide Directly

When you sign up for our services, request a consultation, or use our website, you may provide us with:

• Identifying information: name, email, phone number, mailing address, date of birth
• Government-issued identification: Social Security number, driver's license, state ID, or passport — required by federal law to dispute items on your credit report on your behalf
• Financial information: bank or card payment information processed by our payment provider
• Communications: any messages, documents, or information you send us

2.2 Information from Third Parties

To deliver our services, we receive credit-report information from Credit Hero Score, our credit-monitoring partner, when you authorize that monitoring service. We do not pull credit reports directly from the bureaus.

2.3 Information Collected Automatically

When you visit our website, our hosting provider may automatically collect basic technical information such as your IP address, browser type, device type, and pages visited. We do not currently use third-party advertising cookies or tracking pixels. If we add privacy-respecting analytics in the future, this Policy will be updated and a notice posted.

3. How We Use Your Information

We use your information solely to:

• Provide the credit-repair, dispute, and education services you have requested
• Prepare and submit dispute correspondence to credit reporting agencies and furnishers on your behalf
• Communicate with you about your account, disputes, results, billing, and service updates
• Process payments through our authorized processor
• Comply with applicable federal and state law, including the Fair Credit Reporting Act (FCRA), the Credit Repair Organizations Act (CROA), and the Gramm-Leach-Bliley Act (GLBA)
• Protect our rights and the rights of our clients in the event of fraud or unauthorized account use

4. How We Share Your Information

4.1 Service Providers

We share information with vetted service providers who help us deliver our services:

• Credit Repair Cloud (CRC): our case-management platform, where client records, dispute letters, and progress are stored
• Our payment processor: processes billing and payment information securely
• Credit Hero Score: our credit-monitoring partner
• The credit reporting agencies (Equifax, Experian, TransUnion) and furnishers (creditors, collectors, servicers): we send dispute correspondence on your behalf

Each provider is required to maintain reasonable security practices and to use your information only for the purpose of supporting our services.

4.2 Litigation Support

With your prior written authorization, we may share your credit-report and dispute records with FCRA, FDCPA, or consumer-protection attorneys if litigation against a furnisher, debt collector, or credit reporting agency is contemplated on your behalf. We will never share information with attorneys without your express written consent.

4.3 Legal Compliance

We may disclose your information if required by subpoena, court order, or other legal process, or to protect against fraud or unlawful activity.

4.4 What We Do Not Do

We do not sell your personal information. We do not rent your information to advertisers. We do not share your information with marketing partners.

5. Who on Our Team Can Access Your Information

Within The Credit Connect, access to your information is limited to our Dispute Team — the staff and contractors actively working your case. Access is granted on a need-to-know basis and is governed by internal confidentiality agreements.

6. Data Security

We use industry-standard administrative, technical, and physical safeguards to protect your information:

• Client records are stored within Credit Repair Cloud's secure cloud platform, which uses encrypted transmission and access controls
• Payment information is handled by our PCI-compliant payment processor and is not stored on our servers
• Sensitive documents are transmitted through encrypted channels whenever possible
• Access to client records is logged and reviewed

Despite these measures, no system can be guaranteed 100% secure. In the unlikely event of a data incident affecting your information, we will notify you in accordance with applicable law.

7. Data Retention

We retain client records for as long as your account is active, and for a reasonable period afterward to comply with our legal, audit, and recordkeeping obligations under federal and state credit-services laws. When a client cancels or completes service, the account is marked inactive in our case-management system and is no longer processed for new disputes. Records may continue to be retained in our system for legal-compliance purposes.

8. Your Rights

You have the right to:

• Access the personal information we hold about you
• Correct any inaccurate information
• Request deletion of your information, subject to our legal retention obligations
• Withdraw consent for us to act on your behalf at any time, in writing
• Cancel our services at any time per our Cancellation Policy
• Receive a copy of the dispute correspondence sent on your behalf

To exercise any of these rights, email us at support@getcreditconnect.com from the address on your account.

9. State-Specific Privacy Rights

Residents of certain states may have additional privacy rights under state law:

9.1 California (CCPA / CPRA)

California residents have the right to know what categories of personal information we collect, the right to deletion (subject to legal retention obligations), the right to correct inaccurate information, the right to limit use of sensitive personal information, and the right to non-discrimination for exercising these rights.

9.2 Other State Privacy Laws

Residents of Colorado, Connecticut, Virginia, Utah, Texas, Oregon, and other states with comprehensive privacy laws may have similar rights, including the right to access, correct, delete, and opt out of certain types of data processing.

To exercise state-specific rights, email support@getcreditconnect.com with the subject line "Privacy Rights Request" and identify the state law you're invoking.

10. GLBA Privacy Notice

As a financial services provider, we are subject to the Gramm-Leach-Bliley Act. We do not disclose nonpublic personal information about our customers or former customers to third parties, except as permitted by law and as described in this Policy. We restrict access to your nonpublic personal information to employees and service providers who need to know that information to provide services to you.

11. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors. If we learn that we have inadvertently collected such information, we will delete it.

12. Third-Party Links

Our website may contain links to third-party sites (such as Credit Hero Score, our payment processor, or our Secure Client Portal). We are not responsible for the privacy practices of those sites. Please review their respective privacy policies before submitting personal information.

13. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last Updated" date at the top of this page reflects the most recent revision. Material changes will be communicated to active clients by email. Continued use of our services after a revision constitutes acceptance of the updated Policy.

14. Contact Us