Speedy Credit Repair Inc. ("Company," "we," "us," or "our") is committed to protecting your personal information. This Privacy Policy explains what information we collect, how we use it, how we protect it, and your rights regarding your data. This policy applies to all services provided by Speedy Credit Repair, including our website, client portal, and all related communications.

1. Information We Collect

Information You Provide Directly:

Information Collected Automatically:

• Device information (browser type, operating system) for portal compatibility
• IP address for security monitoring and fraud prevention
• Portal usage data (pages viewed, features used) for service improvement
• Communication records (call logs, email timestamps) for service quality

2. How We Use Your Information

We use your personal information exclusively for:

• Service Delivery: Accessing credit reports, preparing and submitting disputes, tracking results, and communicating with credit bureaus and creditors on your behalf.
• Payment Processing: Billing for services rendered, processing recurring payments, and managing your payment method.
• Account Management: Providing secure portal access, sending service updates, and maintaining your account.
• Legal Compliance: Fulfilling our obligations under the CROA, FCRA, GLBA, and other applicable laws.
• Communication: Sending service-related emails, dispute status updates, billing confirmations, and (with consent) educational content.

3. When We Share Your Information

We share your information only in these limited circumstances:

• Credit Bureaus & Creditors: We submit dispute correspondence containing your identity and account information to TransUnion, Experian, Equifax, creditors, and collection agencies as necessary to perform credit repair services. This is the core purpose of our service.
• Credit Monitoring Partner (IDIQ / IdentityIQ): Your enrollment information is shared with our credit monitoring partner to establish and maintain your credit monitoring account. IDIQ has its own privacy policy governing their use of your data.
• Payment Processor: Your payment information is transmitted to our PCI-compliant payment processor for billing purposes. Payment card data is tokenized and never stored on our servers.
• Legal Requirements: We may disclose information when required by law, subpoena, court order, or when necessary to protect our legal rights or the safety of our clients and others.

4. Data Security

We take the security of your personal information seriously and implement industry-standard protections including:

• Encryption in Transit: All data transmitted between your device and our servers is encrypted using TLS 1.2+ (SSL) protocols.
• Encryption at Rest: Sensitive data stored in our systems (including SSN and financial data) is encrypted at rest using AES-256 encryption.
• PCI Compliance: Payment card data is processed through PCI-DSS compliant payment processors. Card numbers never touch our servers - they are tokenized at the point of entry.
• Access Controls: Employee access to client data is restricted to authorized personnel on a need-to-know basis, with role-based permissions and audit logging.
• Secure Infrastructure: Our systems are hosted on Google Cloud Platform (Firebase) with enterprise-grade security, redundancy, and monitoring.

5. Data Retention

We retain your personal information for the duration of your active service plus a reasonable period afterward for legal compliance and audit purposes:

• Active Clients: All data retained for service delivery.
• After Service Ends: Account and billing records retained for 7 years per IRS requirements. Credit report data and dispute records retained for 3 years for legal compliance.
• Deletion Requests: Upon verified written request, we will delete non-required personal data within 30 business days, subject to legal retention requirements.

6. Your Privacy Rights

You have the following rights regarding your personal information:

• Right to Know: You may request a summary of the personal information we hold about you.
• Right to Access: You may request a copy of your personal data in a portable format.
• Right to Correct: You may request correction of inaccurate personal information.
• Right to Delete: You may request deletion of your personal data, subject to legal retention requirements.
• Right to Opt-Out: You may opt out of marketing communications at any time.

7. Cookies and Tracking Technologies

Our website and client portal use essential cookies required for authentication, session management, and security. We do not use third-party advertising cookies or sell data to advertisers. Analytics cookies may be used to improve our website experience - these collect anonymous, aggregated usage data only.

8. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected personal information from a child under 18, we will delete that information promptly.

9. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Material changes will be communicated to active clients via email at least 30 days before taking effect. The most current version is always available at this page. Your continued use of our services after updates constitutes acceptance of the revised policy.

10. Contact Us About Privacy

For privacy-related questions, data access requests, or to exercise your privacy rights:

Speedy Credit Repair Inc.
Attn: Privacy Officer
117 Main St #202, Huntington Beach, CA 92648
Phone: 1-888-724-7344
Email: support@speedycreditrepair.com