Privacy Policy for Repair and Refresh Financial LLC
Repair and Refresh Financial LLC (“Company,” “we,” or “us”) is committed to protecting the privacy of our users (“you” or “your”) and clients. This Privacy Policy applies to all of the services offered by the Company, including our website, any mobile applications, and our credit repair services, and sets out how we collect, use, and disclose your personal information.

Collection of Personal Information:
We collect personal information, such as your name, email address, phone number, Social Security number, credit report information, and other details necessary to provide our credit repair services. This information may be collected when you register on our website, sign up for our services, or communicate with us. Additionally, we may collect information about your interactions with our website, such as browsing and usage habits.

Legal Basis for Processing:
We process your personal information based on your consent, the performance of a contract, our legitimate business interests (such as improving our services), or as required by law.

Use of Personal Information:
We use your personal information to:
Provide and deliver credit repair services,
Communicate with you regarding your credit report and the status of disputes,
Send updates and informational content regarding your credit progress,
Respond to your inquiries, and
Improve our website and customer service.
Additionally, with your consent, we may use your information to send promotional offers, updates on our services, and educational resources related to financial health and credit.

Disclosure of Personal Information:
We do not sell, rent, or otherwise disclose your personal information to third parties, except as required by law or as necessary to deliver our services. For example, we may share your information with:
Credit reporting agencies (Experian, Equifax, TransUnion) to dispute inaccurate information,
Trusted partners such as lenders, attorneys, or other service providers with your explicit consent,
Third-party service providers assist with our business operations, such as credit monitoring services.
Please note that phone numbers provided for SMS communication are not shared with any third parties.

Data Retention:
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected or as required by law. Our retention periods are based on legal and contractual requirements, as well as your ongoing relationship with us.
Security of Personal Information:
We take reasonable precautions to protect your personal information from loss, misuse, unauthorized access, disclosure, alteration, or destruction. Our security measures include encryption, secure data storage, and access control procedures.
Your Rights:

You have the right to:
Access and receive a copy of your personal information,
Rectify any incorrect or incomplete information,
Request the deletion or restriction of your data,
Object to the processing of your information,
Withdraw your consent at any time, and
Request data portability.
To exercise these rights, please contact us at info@repairandrefreshcredit.com.

Third-Party Links:
Our website may contain links to third-party websites or services (such as credit monitoring services). We are not responsible for the privacy practices of these websites, and we encourage you to read their privacy policies before sharing your information.

Changes to this Privacy Policy:
We reserve the right to update or modify this Privacy Policy at any time. The most current version of the policy will govern our use of your personal information. We will notify you of any material changes by posting the updated policy on our website.

Consent:
By providing your email and phone number, you consent to receive our communications. You can opt out of receiving promotional emails or SMS messages by replying “STOP” to any message or contacting us directly.

Contact Us:
If you have any questions or concerns about this Privacy Policy, please get in touch with us at info@repairandrefreshcredit.com.
Effective Date:
This Privacy Policy is effective as of November 1, 2023. Last updated on July 23, 2024.