Privacy Policy

Information We Collect

We collect information you provide directly to us, such as when you:

• Fill out our contact forms or request consultations
• Sign up for our credit repair services
• Communicate with us via phone, email, or other methods
• Provide us with documents and information for credit repair purposes

This information may include:

• Personal identification information (name, address, phone number, email address)
• Social Security Number and date of birth
• Financial information and credit reports
• Documentation related to your credit history and disputes

How We Use Your Information

We use the information we collect to:

• Provide credit repair and counseling services
• Communicate with you about your account and services
• Process disputes and communicate with credit bureaus on your behalf
• Improve our services and customer experience
• Comply with legal obligations and regulatory requirements

Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to third parties except in the following circumstances:

• Service Providers: We may share information with trusted third parties who assist us in providing our services, such as credit monitoring services or legal professionals
• Credit Bureaus: We share necessary information with credit bureaus when disputing items on your behalf
• Legal Requirements: We may disclose information when required by law, court order, or other legal process
• Business Transfers: In the event of a merger, acquisition, or sale of our business

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Secure physical and digital storage systems
• Regular security assessments and updates
• Employee training on data protection and confidentiality
• Access controls limiting who can view your information

Your Rights and Choices

You have certain rights regarding your personal information:

• Access: You can request access to the personal information we hold about you
• Correction: You can request that we correct any inaccurate information
• Deletion: You can request deletion of your personal information, subject to legal and contractual obligations
• Restriction: You can request that we restrict the processing of your information
• Portability: You can request a copy of your information in a portable format

Retention of Information

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Specifically:

• Credit repair documentation: Retained for at least 7 years as required by law
• Communication records: Retained for 3 years after service completion
• Financial information: Retained as required by applicable regulations

Credit Repair Act Compliance

As a credit repair organization registered in Alabama, we comply with the Credit Repair Organizations Act (CROA) and Alabama state laws, including:

• Providing required disclosures before offering services
• Not charging fees before performing services
• Providing you with a written contract detailing services and fees
• Giving you a three-day right to cancel any contract
• Maintaining proper licensing and registration in Alabama
• Following all Alabama consumer protection regulations

Alabama Credit Repair Data Handling

Family Affair Credit Repair LLC, registered in Alabama on March 31, 2025, maintains specific data handling procedures for Alabama credit repair clients:

• Secure Storage: All credit repair client data is stored using AI-enhanced security protocols overseen by our experienced team
• Local Compliance: We maintain compliance with Jefferson County and Alabama state record-keeping requirements
• SLAM Services Integration: Client referrals through SLAM Services receive coordinated privacy protection across both organizations
• Family-Oriented Approach: Our privacy practices reflect our commitment to treating every client like family, with personal attention to their data security needs

Cookies and Online Tracking

Our website may use cookies and similar technologies to:

• Improve website functionality and user experience
• Analyze website traffic and usage patterns
• Remember your preferences and settings

You can control cookie settings through your browser preferences.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it promptly.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. We will notify you of significant changes by:

• Posting the updated policy on our website
• Sending email notifications to existing clients
• Updating the "Effective Date" at the top of this policy

Contact Information

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

State-Specific Rights

Alabama Residents: Alabama law provides additional rights regarding personal information. You may request information about our disclosure of personal information to third parties for their direct marketing purposes.

California Residents: The California Consumer Privacy Act (CCPA) provides additional rights. You may request specific information about our collection and use of your personal information over the past 12 months.