Privacy Policy

Effective Date: 08/01/2021

This Privacy Policy outlines how Path To Approval (“Company,” “we,” “us,” or “our”) collects, uses, stores, and protects the personal information of clients (“you,” “your”) who use our credit repair services. By accessing or using our services, you agree to the terms of this Privacy Policy. If you do not agree with the terms, you should not use our services.

1. Information We Collect

We collect personal information that you provide directly to us in order to offer our credit repair services. The types of personal information we may collect include, but are not limited to:

  1. Your name, address, phone number, and email address
  2. Your Social Security number (SSN) or other government-issued identification numbers
  3. Credit reports, credit scores, and financial information
  4. Payment information for billing purposes
  5. Any other information you provide during consultations, assessments, or communications with us

2. How We Use Your Information

The information we collect is used for the following purposes:

  1. To provide and manage credit repair services, including reviewing and disputing inaccuracies on your credit report
  2. To communicate with you regarding your account, service updates, or necessary actions
  3. To process payments for services rendered
  4. To comply with legal and regulatory requirements, including the Credit Repair Organizations Act (CROA) and other applicable laws
  5. To improve the quality of our services through feedback and analysis

3. How We Protect Your Information

We are committed to protecting your personal information and take appropriate technical, organizational, and physical security measures to safeguard it. This includes:

  1. Encryption of sensitive data during transmission and storage
  2. Access controls to ensure only authorized personnel have access to your personal data
  3. Regular audits and monitoring of our systems to detect and prevent unauthorized access
  4. Data retention policies to limit the amount of time we retain your information

4. Sharing Your Information

We do not sell, trade, or rent your personal information to third parties. However, we may share your information in the following cases:

  1. Service Providers: We may share your information with third-party service providers who assist us in performing credit repair services, processing payments, or fulfilling other necessary business functions. These providers are contractually obligated to protect your information.
  2. Legal Compliance: We may disclose your personal information to comply with applicable laws, regulations, or legal requests, such as subpoenas or court orders.
  3. Business Transfers: In the event of a merger, acquisition, or sale of assets, your personal information may be transferred as part of the business transaction.

5. Your Rights and Choices

You have the following rights regarding your personal information:

  1. Access: You can request a copy of the personal information we hold about you.
  2. Correction: You may update or correct your personal information if it is inaccurate or incomplete.
  3. Deletion: You can request the deletion of your personal information, subject to certain legal or contractual obligations.
  4. Opt-Out: You can opt-out of receiving marketing communications from us at any time by contacting us or following the unsubscribe instructions in our communications.

6. Cookies and Tracking Technologies

We may use cookies and other tracking technologies to improve your experience on our website and to gather information about how our site is used. Cookies are small text files that are stored on your device when you visit a website. You can manage cookie settings through your browser preferences. However, disabling cookies may affect the functionality of certain features on our site.

7. Data Retention

We will retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal requirements, resolve disputes, and enforce our agreements. Once your personal information is no longer needed, we will securely delete or anonymize it in accordance with our data retention policies.

8. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Any changes will be posted on this page, and the effective date will be updated. By continuing to use our services after any changes to this Privacy Policy, you accept the updated terms.

9. Contact Us

If you have any questions or concerns regarding this Privacy Policy or how your personal information is handled, please contact us at:

Path To Approval
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[Admin@pathtoapproval.com]

Acknowledgment

By using our services, you acknowledge that you have read, understood, and agree to the terms of this Privacy Policy. If you do not agree with this policy, please do not use our services.