Privacy Policy
Last updated: October 28, 2026
Draft for review: Review this policy against your actual business practices and applicable privacy laws before publishing.
1. Information We May Collect
Depending on how you interact with us, we may collect your name, email address, phone number, inquiry details, support communications, and technical information such as browser type, pages viewed, IP address, and timestamps.
2. Sensitive Information
Do not submit Social Security numbers, government identification, full credit reports, or other sensitive documents through the public inquiry form. If this information is needed to provide a service, we will direct you to an appropriate secure process.
3. How Information May Be Used
Information may be used to respond to inquiries, provide requested services, communicate about onboarding and support, maintain website security, improve the website, and meet legal obligations.
4. SMS Messaging and Consent
If you opt in using a separate, optional checkbox, we may send service updates, appointment reminders, support responses, and other messages described at the time of consent. Consent is not a condition of purchase. Message frequency varies and message and data rates may apply. Reply STOP to opt out or HELP for help.
We do not sell or share mobile phone numbers or SMS opt-in data and consent with third parties or affiliates for their marketing or promotional purposes. Messaging providers may process data to deliver messages.
5. Cookies and Analytics
The website or its hosting and analytics providers may use cookies or similar technologies for essential functions, security, preferences, and usage analysis. This section should be updated to identify the actual technologies used.
6. Sharing and Service Providers
We may share information with vendors who help operate the website or provide services, when necessary to fulfill your request, with your direction or consent, or when required or permitted by law. We do not sell personal information.
7. Retention and Security
We retain information for as long as reasonably needed for the purposes described here, subject to legal and recordkeeping obligations. We use reasonable safeguards, but no internet transmission or storage method can be guaranteed completely secure.
8. Your Choices and Requests
You may contact us to request access to, correction of, or deletion of information you have provided, subject to applicable legal obligations. You may opt out of SMS at any time by replying STOP.
9. Children's Privacy
Our services are intended for adults. We do not knowingly collect personal information from children under 13 through this website.
10. Third-Party Websites
Links to third-party websites are governed by those websites' own privacy policies. We are not responsible for their privacy practices.
11. Changes and Contact
We may update this Policy from time to time and will post the current version here. For privacy questions or requests, contact mrcreditnj@gmail.com.