Privacy Policy
Effective Date: October 2025
Welcome to CreditWorks.me. Your privacy is very important to us. This Privacy Policy explains how we collect, use, and safeguard your personal information when you visit our website, use our credit repair services, or engage with us through any communication channels. By using our website or services, you agree to the terms outlined below.
1. Information We Collect
We collect both personal and non-personal information to deliver our services efficiently and securely. This may include:
- Personal Identification Information: Full name, address, phone number, email address, and billing details provided through forms or consultations.
- Credit-Related Data: Information obtained with your authorization to analyze your credit reports, identify errors, and assist with dispute processes.
- Non-Personal Information: Browser details, IP address, cookies, and analytics data used to improve website performance and user experience.
2. How We Use Your Information
Your data is used solely for legitimate business and communication purposes. Specifically, we use your information to:
- Provide and manage credit repair, consultation, and financial improvement services.
- Process payments, verify identity, and maintain secure account records.
- Communicate important updates, offers, and service-related resources.
- Comply with legal obligations and protect against fraudulent or unauthorized use of our services.
3. Legal Basis for Processing
We process your personal data based on your consent, to fulfill contractual obligations, and where necessary to comply with applicable laws. By submitting your information, you consent to CreditWorks.me collecting and using your data as described in this policy.
4. Information Sharing and Disclosure
We value your trust and handle your data with care. We do not sell, trade, or rent your personal information to others. Information may only be shared with:
- Authorized Service Providers: Trusted partners that assist with technical support, analytics, payment processing, or communication. These providers are bound by confidentiality agreements.
- Legal Requirements: When required by law, subpoena, or government investigation, we may disclose necessary information to comply with regulations or protect our rights.
- Business Transfers: In the event of a merger or acquisition, your information may be securely transferred as part of the transaction.
5. Data Security and Retention
We use advanced encryption, secure servers, and restricted data access to safeguard your information. Our team follows strict internal protocols to prevent unauthorized use or disclosure. However, no electronic transmission is completely secure, and we encourage you to share information responsibly.
We retain personal information only as long as necessary to provide our services or as required by law. Once data is no longer needed, it is permanently deleted or anonymized in a secure manner.
6. Payments, Cancellations, and Refunds
All payments made to CreditWorks.me for credit repair, consultations, or related services are final. Due to the immediate nature of our work — including research, preparation, and dispute submissions that begin right away — we do not offer refunds once services have started.
We allow cancellations; however, once a round of credit repair has been submitted, no refunds will be issued. All sales are final once services begin, as credit repair work starts immediately. While we do not offer refunds, we remain fully committed to delivering the best possible results and providing ongoing support throughout the process.
We encourage all clients to review our service agreements and understand the scope of our process before making any payment. For billing or service inquiries, please contact us at inquiries@creditworks.me.
7. Cookies and Tracking
Our website uses cookies and tracking technologies to personalize content, analyze visitor behavior, and improve functionality. Cookies help us remember your preferences and provide a smoother experience. You can disable cookies in your browser at any time, but some features of our website may not function properly.
8. Your Rights and Choices
Depending on your jurisdiction, you may have specific rights regarding your personal data, including the right to:
- Access and review the personal information we hold about you.
- Request correction, update, or deletion of inaccurate data.
- Withdraw consent to data processing where applicable.
- Opt out of marketing or promotional communications.
To exercise these rights, please contact us at inquiries@creditworks.me.
9. No Guarantees and Service Limitations
While CreditWorks.me works diligently to improve your credit profile, we cannot guarantee specific outcomes, score increases, or deletion of particular items. Each case is unique and depends on individual credit history and credit bureau responses. We provide our expertise and best efforts under the guidelines of the Credit Repair Organizations Act (CROA).
10. Children's Privacy
Our website and services are intended for adults aged 18 and older. We do not knowingly collect information from children under 18. If you believe a minor has submitted data to us, please contact us immediately so we can delete that information promptly.
11. Links to Other Websites
Our site may include links to external websites or resources. CreditWorks.me is not responsible for the content, privacy practices, or policies of those third-party sites. We encourage users to review each site’s policy before providing personal information.
12. Changes to This Policy
CreditWorks.me reserves the right to update this Privacy Policy periodically. Any modifications will be reflected on this page with an updated effective date. Continued use of our website or services after updates signifies your acceptance of the revised terms.
13. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or your data, please contact us:
CreditWorks.me
Email: inquiries@creditworks.me
By using our website and services, you acknowledge that you have read, understood, and agree to this Privacy Policy.