Effective Date:10/2016
Last Updated: 01/2025

At The Credit Gurus, your privacy is our top priority. We understand the sensitivity of your personal and financial information, and we are committed to protecting it with the highest level of care and confidentiality. This Privacy Policy explains how we collect, use, store, and safeguard your information when you use our credit repair services.

We may collect the following types of information from you when you engage with our services:

• Personal Information: Name, date of birth, address, phone number, email address, Social Security Number (only when necessary for credit dispute purposes).
   
• Financial Information: Credit reports, account details, payment history, and information related to your credit profile.
   
• Transactional Information: Billing information, payment method, and transaction history.
   
• Communication Information: Emails, text messages, phone call details, or other correspondence with our team.
   

We use your information solely for purposes related to providing our credit repair services, including:

• Disputing inaccurate, unverifiable, or fraudulent information with credit reporting agencies and creditors.
   
• Communicating with you about your credit file, services, updates, and progress reports.
   
• Processing payments and maintaining accurate billing records.
   
• Complying with applicable federal and state laws, including the Fair Credit Reporting Act (FCRA) and Credit Repair Organizations Act (CROA).
   

We do not sell, trade, or rent your personal information to any third parties.

We may share your information only under the following circumstances:

• With Credit Bureaus & Creditors: As necessary to complete credit repair services on your behalf.
   
• With Service Providers: Trusted vendors who assist us with operations such as payment processing, secure data storage, and client communication.
   
• When Required by Law: To comply with court orders, subpoenas, or other legal obligations.
   

We implement strict physical, electronic, and administrative safeguards to protect your information, including:

• Encrypted data transmission and storage.
   
• Restricted access to sensitive information.
   
• Secure payment processing systems.
   

However, no data transmission over the internet can be guaranteed to be 100% secure. You acknowledge that you share information with us at your own risk.

As a client of The Credit Gurus, you have the right to:

• Access the personal information we hold about you.
   
• Request corrections to inaccurate or incomplete data.
   
• Request deletion of your data, subject to legal and contractual obligations.
   
• Opt-out of marketing communications at any time.
   

If you visit our website, we may use cookies and similar tracking technologies to improve your browsing experience. These cookies do not collect personal financial information but may track usage patterns and preferences. You can disable cookies in your browser settings if you prefer.

Our services are intended for adults 18 years and older. We do not knowingly collect personal information from children. If we discover that a minor has provided us with personal information, we will delete it immediately.

We may update this Privacy Policy from time to time. Any changes will be posted on our website with a revised effective date. We encourage you to review this policy periodically.

If you have any questions about this Privacy Policy or how we handle your information, please contact us at:

The Credit Gurus
Email: thecreditguru.info@gmail.com