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Privacy Policy

Effective Date: 03/14/2025
Last Updated: 03/14/2025

Welcome to CreditBuddy.org (“we,” “us,” or “our”). Your privacy is important to us, and we are committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and safeguard your information when you use our website and services related to credit repair, credit monitoring, and credit reporting tools.

By using CreditBuddy.org, you consent to the practices outlined in this policy.

1. Information We Collect

A. Personal Information

When you sign up for our services, we may collect:

  • Full name
  • Email address
  • Phone number
  • Mailing address
  • Date of birth
  • Social Security Number (SSN) (for credit report access, where applicable)
  • Login credentials (if you create an account)

B. Financial & Credit Information

To provide credit-related services, we may collect:

  • Credit history
  • Credit scores
  • Credit reports
  • Loan and debt details

C. Automatically Collected Information

We may automatically collect:

  • IP address
  • Browser type
  • Device information
  • Usage data (cookies, tracking technologies)

2. How We Use Your Information

We use your information for the following purposes:
✔️ Providing Services – To deliver credit repair, credit monitoring, and dispute resolution services.
✔️ Credit Analysis – To review credit reports, detect errors, and assist in credit improvement.
✔️ Compliance & Legal Obligations – To comply with FCRA, GLBA, and other applicable laws.
✔️ Marketing & Communication – To send you relevant promotions, newsletters, and service updates.
✔️ Fraud Prevention & Security – To protect against unauthorized access, fraud, and misuse of data.

3. How We Share Your Information

We do not sell your personal information. However, we may share it with:

A. Credit Bureaus & Partners

  • To access credit reports (Experian, Equifax, TransUnion, or other bureaus).
  • To work with third-party credit monitoring services.

B. Service Providers

  • IT services, payment processors, and analytics providers.

C. Legal & Compliance

  • If required by law, regulatory authorities, or court orders.

D. Affiliate & Marketing Partners (With Consent)

  • If you opt in to offers, we may share data with financial and credit service partners.

4. Your Rights & Choices

A. Credit Repair & FCRA Compliance

Under the Fair Credit Reporting Act (FCRA), you have the right to:

  • Access Your Credit Report – You can request your credit report from bureaus once per year.
  • Dispute Inaccuracies – If you believe there’s incorrect data on your report, we can help you dispute it.
  • Opt-Out of Credit Monitoring – You may cancel monitoring services anytime.

B. Data Privacy Rights

📌 Opt-Out of Marketing – Click “Unsubscribe” in emails or reply “STOP” to SMS.
📌 Request Data Deletion – Email us at [hello@creditbuddy.org] to delete your data.
📌 Cookies & Tracking Control – Adjust settings in your browser to manage cookies.

5. Security & Data Protection

🔒 We implement bank-level encryption and secure data storage to protect your information.
⚠️ No method is 100% secure – always use strong passwords and avoid sharing sensitive data via email.

6. Third-Party Links & Services

Our site may link to credit bureaus, lenders, and third-party financial tools. We are not responsible for their privacy policies or data handling.

7. Children’s Privacy

We do not knowingly collect or process data for individuals under 18 years old.

8. Changes to This Policy

We may update this policy as needed. The latest version will always be available at [ www.creditbuddy.org/privacy-policy ].

9. Contact Us

If you have questions about this policy or your data rights, contact us:

📧 Email: support@creditbuddy.org