Privacy Policy

1. Introduction

Credit Awareness Inc. ("Company," "we," "our," or "us") respects your privacy and is committed to protecting the personal information you share with us.

This Privacy Policy explains how we collect, use, disclose, retain, and protect information when you visit www.creditawareness.info, submit an inquiry, complete an online consent form, or request our educational and consulting services.

Our mission is to provide credit education, financial awareness, and guidance to help individuals and businesses make informed financial decisions.

2. Information We Collect

Depending on your interactions with us, we may collect:

• Full legal name
• Business or company name, when applicable
• Telephone number
• Email address
• Mailing address and ZIP code
• Information submitted through contact and consultation forms
• Questions about credit, collections, bankruptcy, and financial education
• Electronic consent and signature information
• Supporting documents voluntarily submitted for authorized services
• Website usage information, such as IP address, browser type, and cookies, where collected by our website systems

We request sensitive personal or financial information only when reasonably necessary for an authorized service.

3. How We Use Information

We may use your information to:

1. Respond to inquiries and consultation requests.
2. Provide credit education and financial information.
3. Communicate about requested services and appointments.
4. Maintain client records and document consent.
5. Process payments through authorized payment providers.
6. Provide requested business credit consulting services where separately authorized.
7. Improve website functionality and customer service.
8. Meet applicable legal, regulatory, and recordkeeping obligations.

4. Communication Consent

When you provide your contact information, you authorize us to respond to your inquiry and communicate regarding services you request.

We may contact you by telephone, email, or other methods you specifically authorize.

Promotional text messages, automated marketing calls, and other communications requiring separate consent will not be sent without obtaining the consent required by applicable law.

You may request that we stop optional marketing communications at any time.

5. Credit Reports and Financial Information

Credit Awareness Inc. primarily provides credit education and consulting.

Submission of a general inquiry or consent form does not automatically authorize us to obtain consumer credit reports, access financial accounts, submit credit disputes, or act as a client's legal representative.

Where such activities are offered and legally permitted, separate written authorization and any required disclosures or agreements will be obtained.

We do not guarantee credit score improvements, loan approvals, deletion of accurate credit information, or any particular financial outcome.

6. Electronic Signatures and Consent Records

When you electronically sign an authorization form, we may maintain records of your submitted information, consent, signature, date and time, and associated technical verification information.

Electronic signatures will be used only for the purposes disclosed in the applicable authorization.

You may request a copy of your completed authorization.

7. Information Sharing

We do not sell personal information in exchange for money.

We may disclose information to service providers that support our website, communications, payment processing, document management, and other authorized business operations.

We may also disclose information when required by law or when you separately authorize disclosure to a credit reporting agency or other third party.

Our actual data-sharing practices, including any advertising or analytics arrangements, are subject to verification before this policy is published.

8. Payment Information

Payments, when available, should be processed through secure third-party payment services.

Customers should not submit complete credit card numbers, card security codes, or banking passwords through ordinary contact forms or email.

Payment processors may collect and process payment information under their own privacy and security policies.

9. Data Security

We use reasonable administrative, technical, and organizational safeguards appropriate to the information we handle.

No internet transmission or electronic storage system can be guaranteed completely secure.

Sensitive documents, including identification records, should be submitted only through approved secure channels.

10. Data Retention

We retain information for as long as reasonably necessary to provide requested services, maintain appropriate business records, resolve disputes, and satisfy applicable legal requirements.

Retention periods depend on the type of information and applicable obligations.

11. Cookies and Website Analytics

Our website may use cookies or similar technologies for functionality, security, and performance measurement.

Where legally required, visitors will be provided appropriate information and choices concerning nonessential cookies and tracking technologies.

12. Your Privacy Choices

Subject to applicable law, you may contact us to request:

• Access to personal information we maintain about you
• Correction of inaccurate contact information
• Deletion of information that we are not legally required to retain
• Withdrawal of optional communication consent
• Information about how your personal information is handled

We may need to verify your identity before fulfilling certain requests.

13. Children's Privacy

Our website and consulting services are intended for adults.

We do not knowingly collect personal information directly from children under 13 through our general website forms.

Parents and guardians may request educational information concerning credit-building strategies for their children.

14. Third-Party Websites

Our website may link to external websites or services. We are not responsible for the privacy practices of independent third parties.

15. Changes to This Policy

We may update this Privacy Policy to reflect changes in our services, technologies, business practices, or applicable law.

Updates will be posted on this website with a revised effective date.

16. Contact Information

Credit Awareness Inc.

734 Franklin Avenue, Suite 705

Garden City, NY 11530

Phone: (516) 272-9290

Email: creditawarenessinfo@gmail.com

Website: www.creditawareness.info

For privacy-related questions or requests, please contact us using the information above.