Privacy Policy

Effective Date: June 24, 2026 · Business: My Credit Care Inc. · Website: mycreditcare.org

Address: 333 City Blvd W #1700, Orange, CA 92868 · Email: [email protected]

1. Introduction

This Privacy Policy explains how My Credit Care Inc. collects, uses, discloses, and safeguards information when you visit our website, submit a form, request information, communicate with us, enroll in services, or otherwise interact with us online. By using our website or services, you consent to the collection and use of information as described in this Privacy Policy.

2. Information We Collect

2.1 Information You Provide

We may collect information you voluntarily provide, including:

Name, email address, phone number, mailing address

Date of birth

Credit-related and debt-related information

Financial information necessary to provide services

Identification documents and credit report information

Communication preferences

Information submitted through forms, surveys, consultations, or customer service interactions

2.2 Information Collected Automatically

When you visit our website, we may automatically collect IP address, browser type, device information, operating system, website activity, pages visited, referral source, date and time of visits, and cookies and similar technologies.

2.3 Information From Third Parties

We may receive information from credit bureaus, credit monitoring providers, service providers, marketing partners, publicly available sources, consumer reporting agencies, and identity verification providers.

3. How We Use Information

We may use information to provide credit repair services, analyze credit reports, generate disputes and recommendations, verify identity, process payments, respond to inquiries, schedule consultations, deliver customer support, improve services, prevent fraud, maintain compliance with applicable laws, and monitor website performance.

4. SMS / Text Messaging Privacy

4.1 SMS Consent

By providing express written consent through our website, forms, applications, or enrollment process, you agree to receive SMS messages from My Credit Care. Consent is not a condition of purchase.

4.2 Types of Messages

Messages may include appointment reminders, service updates, account notifications, credit repair updates, payment reminders, customer support communications, and marketing messages where permitted. Message frequency varies. Message and data rates may apply.

4.3 Opt-Out & Help

You may opt out at any time by replying STOP. For assistance reply HELP or contact [email protected].

4.4 SMS Data Protection

We do not sell or share SMS consent data with third parties for their own marketing purposes. SMS information may only be shared with service providers necessary to deliver messaging services.

5. Cookies & Tracking Technologies

We may use cookies, pixels, analytics tools, tracking technologies, and session identifiers to improve website functionality and marketing performance. Users may control cookies through browser settings.

6. How We Share Information

6.1 Service Providers

We may share information with vendors who assist in website hosting, customer relationship management, payment processing, SMS delivery, email communications, identity verification, credit monitoring, and customer support.

6.2 Legal Compliance

We may disclose information when required by law, court order, subpoena, government request, or regulatory investigation.

6.3 Business Transfers

Information may be transferred during a merger, acquisition, sale of assets, or reorganization.

7. Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information. However, no method of transmission or storage is completely secure and we cannot guarantee absolute security.

8. Data Retention

We retain information as necessary to provide services, comply with legal obligations, resolve disputes, enforce agreements, and maintain business records. Retention periods may vary depending on applicable legal requirements.

9. Your Rights

Depending on applicable law, you may have rights to access, correct, delete, or restrict processing of personal information, and to request copies of information. To exercise these rights contact [email protected].

10. Children's Privacy

Our services are not directed toward individuals under 18 years of age. We do not knowingly collect information from children under 18.

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of third-party websites.

12. California Privacy Rights

California residents may have additional rights under applicable California privacy laws. Requests may be submitted to [email protected].

13. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised effective date.

14. Contact Us

My Credit Care Inc.

333 City Blvd W #1700, Orange, CA 92868

Website: mycreditcare.org

Email: [email protected]