CREDIT ELITE LLC

Effective Date: January 29, 2026

IMPORTANT NOTICE REGARDING TEXT MESSAGING DATA

CREDIT ELITE LLC (“we,” “us,” or “our”) does NOT share customer opt-in information, including mobile phone numbers and SMS consent records, with affiliates or third parties for marketing or promotional purposes. All text messaging originator opt-in data is kept strictly confidential and used solely to provide our direct credit repair–related services.

1. Information We Collect

Personal Information

We may collect:

Full name

Email address

Phone number

Physical mailing address

Payment information when enrolling in or paying for services

Credit-related intake information provided voluntarily

Opt-in records and timestamps for all communication channels (SMS, email, voice)

Non-Personal Information

IP address

Browser type and device information

Website usage data and analytics

Cookies and similar tracking technologies

Customer Communications

Records of inquiries and consultations

Appointment scheduling details

Service history and account notes

Customer feedback and support interactions

2. How We Use Your Information

We use collected information to:

Provide credit repair and related consulting services

Process payments and manage accounts

Communicate regarding your account, appointments, and service updates

Send legally permitted service-related notifications

Maintain accurate records of consent and communication preferences

Improve website performance and customer experience

Prevent fraud and ensure platform security

Comply with legal and regulatory obligations

3. SMS Messaging & A2P Compliance

Text Message Program Terms & Conditions

By opting into SMS communications from CREDIT ELITE LLC, you agree to receive text messages related to your credit repair services, including:

Appointment reminders

Account notifications

Service updates

Customer support communications

Opt-In & Consent

Messages are sent only to users who have explicitly opted in

Consent is collected via web forms, intake forms, or written agreements

We maintain timestamped opt-in records for compliance

We comply with the Telephone Consumer Protection Act (TCPA) and A2P 10DLC requirements

Opt-Out Instructions

Reply STOP at any time to cancel SMS messages

You will receive a final confirmation message

No further messages will be sent unless you re-opt in

Opt-out requests are processed immediately

Message Frequency & Content

Message frequency varies based on account activity

Messages are strictly related to services you requested

Promotional messages are sent only with explicit consent

Help & Support

Reply HELP for assistance

Email:

Support is available during regular business hours

Carrier Information

Message and data rates may apply

Carriers are not responsible for delayed or undelivered messages

Supported carriers include AT&T, Verizon, T-Mobile, Sprint, and most regional carriers

SMS Data Protection Statement

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information may be shared with subcontractors solely to support service delivery (e.g., SMS providers). All other use cases exclude text messaging originator opt-in data and consent, which will never be shared with third parties.

4. Information Sharing & Disclosure

We do not sell, rent, or trade personal information.

We may share information only with:

Service Providers

Payment processors

Scheduling and CRM platforms

SMS aggregators solely for message delivery

All service providers are contractually required to maintain confidentiality and security.

Legal Compliance

When required by law, subpoena, or court order

To protect our legal rights or prevent fraud

Business Transfers

In the event of a merger, acquisition, or asset sale

Your data remains protected under this policy

Text messaging opt-in data and consent are excluded from all sharing categories except SMS delivery providers.

5. Data Security

We implement reasonable administrative, technical, and physical safeguards, including:

Encryption of sensitive data

Secure access controls

Regular system monitoring and updates

Employee data-protection training

Secure backups and disaster recovery plans

While we take reasonable steps to protect your information, no system can be guaranteed 100% secure.

6. Cookies & Tracking Technologies

We use cookies to:

Analyze website usage

Remember user preferences

Improve functionality and performance

You may disable cookies in your browser, though some features may not function properly.

7. Your Rights & Choices

You have the right to:

Access or update your personal data

Request deletion of your information (subject to legal obligations)

Unsubscribe from marketing emails

Opt out of SMS by replying STOP

Withdraw consent for future communications

To exercise these rights, contact us using the information below.

8. Third-Party Links

Our website may contain links to third-party sites. We are not responsible for their privacy practices. This policy applies only to information collected by CREDIT ELITE LLC.

9. Changes to This Privacy Policy

We may update this policy periodically. The most current version will always be posted on our website with the effective date.

10. Contact Us

If you have questions about this Privacy Policy, contact us at:

CREDIT ELITE LLC
📞 Phone: (954) 668-0044
📧 Email: [email protected]

By using our website and services, you consent to this Privacy Policy.