Privacy Policy

Privacy Policy - the basics

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Effective Date: 6/28/24

At CreditXip, we take the privacy and security of our customers’ sensitive data very seriously. We are committed to protecting the personal information provided to us and ensuring that it is handled in accordance with all relevant laws and regulations, including the Massachusetts data protection laws.

Collection of Information:

• We collect personal information from our customers when they apply for our lending or credit repair services. This information may include but is not limited to names, addresses, contact details, financial information, and social security numbers.

• We only collect information that is necessary for providing our services and do not share this information with third parties without explicit consent from the customer.

Use of Information:

• The personal information collected is used solely for the purpose of providing our services to our customers. This includes processing loan applications, conducting credit checks, and facilitating credit repair services.

• We do not use the personal information for any other purposes such as marketing or advertising without the customer’s consent.

Protection of Data:

• CreditXip employs industry-standard security measures to protect the sensitive data of our customers. This includes encryption of data both in transit and at rest, regular security audits, and access controls to ensure that only authorized personnel can access the data.

• Our employees are trained on data protection best practices and are required to adhere to strict confidentiality agreements.

Retention of Information:

• We retain customer information only for as long as it is necessary to provide our services or as required by law. Once the information is no longer needed, it is securely disposed of to prevent unauthorized access.

Disclosure of Information:

• CreditXip does not disclose personal information to third parties unless required by law or with explicit consent from the customer. In cases where sharing information is necessary, we ensure that appropriate safeguards are in place to protect the data.

Marketing Communications:

By providing us with your contact information, you consent to receive marketing and promotional communications from us, which may include, but are not limited to, emails, text messages (SMS), phone calls, or other forms of electronic communication. These communications will relate to our products, services, and offers that may be of interest to you.

You have the right to opt-out of receiving marketing communications at any time. To unsubscribe from emails, you can use the “unsubscribe” link provided in each email. To opt-out of text messages or other forms of communication, please follow the instructions provided in the message or contact us directly at sales@creditxip.com

Data Protection Rights:

Under applicable data protection laws, including the General Data Protection Regulation (GDPR) and California Consumer Privacy Act (CCPA), you have the right to access, correct, or delete your personal information, as well as the right to restrict or object to certain types of processing. To exercise these rights, please contact us at sales@creditxip.com

We will not use your personal data for purposes other than those specified in this privacy policy unless we obtain your explicit consent. If you believe your data is being used inappropriately, you have the right to lodge a complaint with the relevant data protection authority.

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Consent to Contact

By using CreditXip Finance services, you acknowledge and agree to our communication practices. When you submit an application or inquiry, you may be contacted by CreditXip Finance or our network of third-party funding providers via phone, SMS, MMS, or email regarding your application or financing options.

By clicking the submit button during any step of the application process, you authorize CreditXip Finance and prospective third-party funding providers to contact you at the phone numbers you provide (including mobile) using automated dialing systems, prerecorded messages, SMS, and MMS, even if your number is listed on a Do Not Call Registry.

You are not required to agree to these communication methods to use CreditXip's Finance services. If you wish to opt out of marketing communications, you can do so at any time by following the opt-out instructions provided in our messages or by contacting us directly.

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Updates to Privacy Policy:

• Our privacy policy is regularly reviewed and updated to reflect any changes in our practices or legal requirements. Customers will be notified of any significant changes to the policy.

By using CreditXip’s services, customers agree to the terms outlined in this privacy policy regarding the collection, use, protection, retention, and disclosure of their personal information.