Privacy Policy
Credit Fix JOE™ Privacy Policy
Effective Date: September 3, 2024
1. Introduction
At Credit Fix JOE™, we prioritize your privacy and trust. This Privacy Policy outlines how we collect, use, and protect your personal information, particularly in relation to SMS communications. It also details our compliance with the Credit Repair Organizations Act (CROA), the Telephone Consumer Protection Act (TCPA), and other relevant regulations. By using our services or accessing our website, you agree to the terms outlined in this policy.
2. Information We Collect
a. Personal Information
We collect personal information that you voluntarily provide to us when you register on our website, sign up for our services, or communicate with us. This may include, but is not limited to, your name, email address, phone number, mailing address, Social Security number, and other relevant financial information.
b. Information Collected Automatically
We may automatically collect certain information when you visit our website, such as your IP address, browser type, operating system, and usage data. This information is used to improve your experience on our website and ensure its functionality.
c. SMS Opt-In consent and the phone numbers we collect will not be shared with third parties in any circumstance.
3. How We Use Your Information
a. Service Provision
We use your personal information to provide credit consultation and repair services, respond to your inquiries, and offer ongoing customer support. This includes assessing your credit situation, disputing inaccuracies on your credit report, and communicating with credit bureaus on your behalf.
b. SMS Communications
With your explicit consent, we may use your phone number to send SMS messages related to your service, including appointment reminders, service updates, and other important notifications. You will be required to opt-in to receive these messages, and you may opt-out at any time by following the instructions provided in the message.
c. Legal Compliance
We use your information to comply with legal obligations, such as record-keeping requirements, and to enforce our contractual agreements.
d. Marketing Communications
With your consent, we may use your personal information to send you promotional offers and marketing materials. You can opt-out of these communications at any time by following the unsubscribe instructions included in our emails or contacting us directly.
4. How We Protect Your Information
a. Data Security
We implement robust security measures to protect your personal information from unauthorized access, use, or disclosure. This includes using secure servers, encryption, and access controls to safeguard your data. We also regularly review our security practices to ensure ongoing compliance with industry standards.
b. Data Retention
We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, or as required by law. Once your information is no longer needed, we will securely delete or anonymize it.
c. Data Breach Notification
In the event of a data breach that compromises your personal information, we will notify you promptly as required by law. We will also take all necessary steps to mitigate the breach and prevent further unauthorized access.
5. Sharing Your Information
a. Third-Party Service Providers
Denefits may collect and process your information according to their privacy policy when you opt to use their services. We ensure that these providers maintain the confidentiality of your information and use it only for the purposes for which it was shared.
b. Financing Options
We offer financing options through Denefits, a third-party provider. If you choose to finance your services through Denefits, please review Denefits’ privacy policy to understand how they collect, use, and protect your information.
c. Legal Obligations
We may disclose your information if required to do so by law or in response to a valid request from a law enforcement authority or other governmental entity.
d. Business Transfers
In the event of a merger, acquisition, or sale of all or part of our business, your personal information may be transferred to the acquiring entity.
6. Compliance with the Credit Repair Organizations Act (CROA)
a. Honest Advertising
Credit Fix JOE™ operates in full compliance with the CROA, which prohibits false or misleading statements about our services. We provide transparent information about what we can and cannot do, and we do not guarantee specific outcomes.
b. Client Agreements
Before any service is rendered, we provide a written contract that outlines the services to be performed, the total cost, and the time frame for completion. You have the right to cancel the contract within three business days without penalty.
c. Payment for Services
We do not charge or accept payment for credit repair services until the agreed-upon services have been fully performed. All costs are disclosed upfront, and there are no hidden fees.
d. Client Rights
As a consumer, you have the right to dispute inaccurate information on your credit report directly with credit reporting agencies. You are also entitled to a free credit report from each of the three major credit bureaus once every 12 months.
7. Compliance with the Telephone Consumer Protection Act (TCPA)
a. Consent to Contact
We comply with the TCPA, which requires us to obtain your explicit consent before sending you SMS messages. You will not receive any automated communications from us unless you have opted in.
b. Opt-In and Opt-Out
You can opt-in to receive SMS communications by providing your phone number and giving explicit consent during the registration or service sign-up process. You may opt-out at any time by following the instructions in the SMS message or contacting us directly. Your decision to opt-out will not affect your ability to use our services.
8. Compliance with the Health Insurance Portability and Accountability Act (HIPAA)
a. Handling Health-Related Information
If we receive or handle any health-related information in the course of providing our services, we ensure that all such information is treated in compliance with HIPAA. This means that any health information we collect is kept strictly confidential and used only for the purpose for which it was provided.
b. Privacy and Security Measures
We apply the same rigorous privacy and security measures to health-related information as we do to all other types of personal information. We limit access to this information to authorized personnel only and use encryption and other safeguards to protect it.
9. Your Rights and Choices
a. Access and Correction
You have the right to access the personal information we hold about you and to request corrections or updates to any inaccuracies. To exercise this right, please contact us using the information provided below.
b. Opt-Out
You may opt-out of receiving SMS and marketing communications from us at any time by following the instructions in the communication or by contacting us directly.
c. Data Portability
Where applicable, you may request a copy of your personal information in a structured, commonly used, and machine-readable format.
d. Right to Withdraw Consent
If you have provided consent for the processing of your personal information, you have the right to withdraw that consent at any time.
10. Updates to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or industry standards. Any changes will be posted on our website with a revised effective date. We encourage you to review this policy periodically to stay informed about how we are protecting your information.
11. Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:
Credit Fix JOE™
Office: 509-342-7775
Email: info@creditfixjoe.com
Address: 9329 E Montgomery Ave, Spokane Valley, WA 99206