Privacy Policy for Family Affair Credit Repair LLC
Last Updated: April 9, 2025
At Family Affair Credit Repair LLC (“we,” “us,” or “our”), we are committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your information when you engage with our services or visit our website at familyaffaircr.com. By using our services, you (“you” or “client”) consent to the practices described in this policy. If you do not agree with this policy, please do not use our services.
1. Information We Collect
We collect information to provide our credit repair services and improve your experience. The types of information we may collect include:
- Personal Information: Information that identifies you, such as:
- Full name
- Address
- Phone number
- Email address
- Date of birth
- Social Security Number (for credit report access and dispute purposes)
- Financial Information: Information related to your credit, such as:
- Credit reports from major credit bureaus (Equifax, Experian, TransUnion)
- Credit scores
- Details about your credit accounts, debts, or disputes
- Payment Information: Information needed to process payments, such as:
- Credit card details (processed securely through our payment gateway)
- Billing address
- Communication Information: Information you provide when you contact us, such as:
- Emails, letters, or messages sent to us
- Notes from phone calls or meetings
- Website Usage Information: Information collected automatically when you visit our website, such as:
- IP address
- Browser type and version
- Pages visited and time spent on our site
- Cookies and similar tracking technologies (see Section 6 for details)
2. How We Collect Information
We collect information in the following ways:
- Directly from You: When you provide information to us, such as when you sign up for our services, fill out forms on our website, or communicate with us via email or phone.
- From Third Parties: When we obtain your credit reports or other information from credit bureaus, creditors, or other service providers as part of our credit repair process.
- Automatically: When you visit our website, we may use cookies, web beacons, or other technologies to collect usage data.
3. How We Use Your Information
We use your information to provide and improve our credit repair services. Specific uses include:
- To Provide Services:
- Analyze your credit reports and identify items to dispute.
- File disputes with credit bureaus and creditors on your behalf.
- Communicate with you about your account, progress, or additional services.
- To Process Payments:
- Charge for our services using your provided payment information.
- To Comply with Legal Obligations:
- Fulfill requirements under the Credit Repair Organizations Act (CROA) and other applicable laws.
- Respond to legal requests, such as subpoenas or court orders.
- To Improve Our Services:
- Analyze website usage to enhance user experience.
- Gather feedback to improve our processes.
- To Communicate with You:
- Send updates, confirmations, or responses to your inquiries.
- Provide educational resources about credit management.
4. How We Share Your Information
We do not sell your personal information. We may share your information in the following circumstances:
- With Credit Bureaus and Creditors: To file disputes or verify information as part of our credit repair services.
- With Service Providers: With trusted third parties who assist us in providing our services, such as payment processors (e.g., Stripe) or IT providers. These providers are contractually obligated to protect your information.
- For Legal Purposes: If required by law, regulation, or legal process (e.g., in response to a subpoena or to prevent fraud).
- With Your Consent: If you explicitly authorize us to share your information with a third party.
5. How We Protect Your Information
We take reasonable measures to protect your information from unauthorized access, loss, misuse, or alteration, including:
- Using secure encryption (HTTPS) for data transmission on our website.
- Storing sensitive information, such as your Social Security Number, in encrypted formats.
- Limiting access to your information to authorized personnel only.
- Implementing physical, technical, and administrative safeguards.
Despite these measures, no system is completely secure. We cannot guarantee the absolute security of your information, and you share your information at your own risk.
6. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience on our website. Cookies are small data files stored on your device that help us:
- Remember your preferences.
- Analyze website usage (e.g., through Google Analytics).
- Ensure the security of your account.
You can manage cookie preferences through your browser settings. However, disabling cookies may affect the functionality of our website.
7. Your Rights and Choices
You have certain rights regarding your personal information, including:
- Access: You may request a copy of the personal information we hold about you.
- Correction: You may request that we correct inaccurate or incomplete information.
- Deletion: You may request that we delete your personal information, subject to legal retention requirements.
- Opt-Out: You may opt out of marketing communications by following the unsubscribe instructions in our emails.
To exercise these rights, please contact us at info@familyaffaircr.com. We will respond to your request within a reasonable timeframe, in accordance with applicable laws.
8. Data Retention
We retain your personal information for as long as necessary to provide our services, fulfill legal obligations, or resolve disputes. For example:
- Credit repair data is retained for the duration of your service agreement and for a period thereafter to comply with legal requirements.
- Payment information is retained only as long as necessary to process transactions.
Once retention periods expire, we will securely delete or anonymize your information.
9. Third-Party Links
Our website may contain links to third-party websites, such as payment processors or credit bureaus. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing your information.
10. Children’s Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected such information, we will take steps to delete it.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The updated policy will be posted on this page with a revised “Last Updated” date. We encourage you to review this policy periodically.
12. Contact Us
If you have questions about this Privacy Policy or how we handle your information, please contact us at:
Family Affair Credit Repair LLC
327 Decatur Hwy, Gardendale, AL 35071
Phone: (205) 544-5989
Email: info@familyaffaircr.com