Privacy Policy

1. Information We Collect

The information we collect depends on how you interact with us, which services you request, and what information is reasonably necessary to respond to you or perform an authorized service.

Contact and identifying information

• First and last name;
• Mailing or residential address;
• Email address;
• Telephone number;
• Date of birth;
• Preferred communication method;
• Customer or account identifier; and
• Information necessary to verify your identity.

Credit and financial information

When reasonably necessary and with appropriate authorization, we may collect or receive:

• Credit reports and credit-report information;
• Credit scores or score-related information;
• Information about collections, charge-offs, late payments, inquiries, public records, and other accounts;
• Creditor, lender, furnisher, and collection-agency information;
• Account balances, payment histories, account numbers, or partial account numbers;
• Documents supporting a dispute or account investigation;
• Information about mortgage, automobile, rental, or other approval goals;
• Billing and transaction information; and
• Payment status and limited payment-method information received from a payment processor.

Payment-card information may be processed by a third-party payment processor. Depending on the payment method, Superior Credit Repair may receive confirmation of payment, a transaction identifier, card type, expiration information, or the last four digits of a payment card rather than the complete card number.

Consultation and service information

• The reason you contacted us;
• Your credit and financial goals;
• Information submitted in consultation, intake, or customer-service forms;
• Documents and correspondence you provide;
• Customer-service notes;
• Records of services requested or performed;
• Authorizations, acknowledgments, and agreements;
• Dispute-related instructions and supporting records; and
• Feedback, reviews, survey answers, or testimonials you voluntarily submit.

Communications

We may maintain records of emails, text messages, chat messages, telephone communications, support requests, social-media messages, and other communications between you and Superior Credit Repair.

Telephone calls may be monitored or recorded for quality assurance, training, documentation, fraud prevention, and legal compliance when permitted by law. When legally required, notice or consent will be obtained before a call is recorded.

Website and device information

When you use our website, we or our service providers may automatically collect:

• Internet Protocol address;
• Browser type and browser settings;
• Device type and operating system;
• Approximate location derived from an IP address;
• Referring and exit pages;
• Pages, buttons, and links viewed or selected;
• Date, time, and duration of a visit;
• Cookie identifiers and similar identifiers;
• Website errors and performance information;
• Advertising attribution information; and
• General interaction and navigation information.

Information about other people

Do not provide personal information about another person unless you are legally authorized to do so. When you submit information for a spouse, co-applicant, household member, business associate, or another person, you represent that you have the necessary authorization to provide that information.

2. Sensitive Personal Information

Depending on the services you request, Superior Credit Repair may need to collect sensitive personal information, including:

• Social Security number or a portion of it;
• Taxpayer identification number;
• Date of birth;
• Government-issued identification information;
• Account login or identity-verification information;
• Financial-account information;
• Credit-report information;
• Consumer-report information; and
• Documents containing signatures or identity information.

We use sensitive personal information only when reasonably necessary to verify identity, obtain an authorized credit report, perform requested services, communicate with credit bureaus, creditors, furnishers, or service providers, prevent fraud, secure customer information, comply with law, or complete another purpose you specifically authorize.

We do not use Social Security numbers, credit reports, government identification information, or text-message consent records for unrelated advertising.

Please do not send a Social Security number, complete payment-card number, account password, government identification document, or complete credit report through ordinary email, unsecured text message, or a public social-media message. Use the secure submission method provided by Superior Credit Repair when sensitive information is required.

3. Sources of Information

We may collect personal information from the following sources:

• Directly from you;
• From a spouse, co-applicant, authorized representative, or agent acting with your permission;
• From credit bureaus or consumer reporting agencies when you provide appropriate authorization;
• From creditors, lenders, furnishers, collection agencies, or other parties involved with an account;
• From identity-verification, fraud-prevention, or authentication providers;
• From payment processors and billing providers;
• From customer relationship management, communication, scheduling, and document-management providers;
• From advertising, analytics, and website-technology providers;
• From public records and publicly available sources;
• From referral partners when you have requested or consented to a referral;
• From Pinterest or another platform you choose to connect; and
• From cookies and similar online technologies.

4. How We Use Information

Superior Credit Repair may use personal information to:

• Respond to questions and consultation requests;
• Confirm your identity;
• Determine whether we can provide a requested service;
• Open, maintain, administer, and support your customer account;
• Provide services you request and authorize;
• Review credit reports and documents;
• Prepare, process, track, and document authorized communications or disputes;
• Communicate with credit bureaus, creditors, furnishers, service providers, or other authorized parties;
• Process payments and maintain transaction records;
• Provide customer service and respond to complaints;
• Schedule consultations and appointments;
• Send account, service, billing, or security notices;
• Send marketing communications when permitted by law;
• Honor communication preferences and opt-out requests;
• Personalize and improve the website and customer experience;
• Measure the performance of our website, forms, and advertising;
• Maintain website functionality and security;
• Detect, investigate, and prevent fraud, abuse, unauthorized activity, or security incidents;
• Enforce our agreements, policies, and legal rights;
• Respond to subpoenas, court orders, regulatory inquiries, or lawful government requests;
• Comply with recordkeeping, consumer-protection, tax, accounting, and other legal obligations;
• Establish, exercise, or defend legal claims;
• Complete a merger, acquisition, financing, reorganization, or sale of business assets; and
• Carry out another purpose disclosed to you when the information is collected or with your authorization.

5. Credit Reports and Consumer Information

Superior Credit Repair will request, receive, or review a credit report only when there is an appropriate purpose, authorization, or other lawful basis.

Information from a credit report may be used to review reported accounts, identify information that a consumer believes may be inaccurate, incomplete, outdated, duplicated, or otherwise questionable, prepare authorized correspondence, document activity, and provide educational guidance related to credit-report accuracy and credit-building factors.

Credit-report information may be subject to federal and state laws that provide protections or exemptions different from generally applicable privacy laws. Nothing in this Privacy Policy changes the rights, responsibilities, or procedures established by those laws.

Superior Credit Repair does not guarantee the deletion of an item, a particular credit-score increase, approval for credit, or completion within a particular period.

6. Cookies and Similar Online Technologies

Superior Credit Repair and its service providers may use cookies, pixels, tags, software development kits, local storage, and similar technologies to operate and improve the website.

Types of technologies we may use

• Essential technologies: Used for website operation, security, fraud prevention, form submission, account access, and user-requested functions.
• Preference technologies: Used to remember selections, settings, and communication preferences.
• Analytics technologies: Used to understand website traffic, navigation, errors, and general engagement.
• Advertising technologies: Used to measure advertising, understand how visitors reach the website, limit repeated advertising, and present advertising that may be more relevant.

Most browsers allow you to delete or block cookies. Blocking essential cookies may prevent forms, account features, scheduling tools, chat functions, or other portions of the website from operating correctly.

Browser settings and device controls may not eliminate information previously collected or prevent all server-side measurement. Your choices may need to be renewed when you use a different browser, device, or browser profile.

7. Analytics and Advertising

We may use analytics and advertising providers to understand website activity, measure advertising campaigns, identify the general source of a consultation request, improve services, and reach people who may be interested in credit-related services.

These providers may receive device information, cookie identifiers, IP addresses, approximate location, referring pages, website activity, or advertising interaction information. They are not authorized by Superior Credit Repair to receive Social Security numbers, complete credit reports, government identification documents, or text-message opt-in consent for their own unrelated advertising.

Some state privacy laws may define certain advertising-related disclosures as “selling,” “sharing,” or use for “targeted advertising,” even when no money is exchanged. Where an applicable law provides an opt-out right, you may submit an opt-out request using the contact methods in this policy.

Where required by applicable law, Superior Credit Repair will process a recognized Global Privacy Control or similar legally recognized browser signal as an opt-out request for the browser or device from which the signal is received.

We do not respond to every browser “Do Not Track” signal because there is not one universally accepted technical standard. We will honor legally recognized browser-based opt-out mechanisms when required.

8. Email, Telephone, and Text Communications

Email

We may use your email address to respond to you, provide account and service information, send requested documents, deliver security notices, request information needed to complete a service, or send marketing communications when permitted.

You may unsubscribe from promotional emails by using the unsubscribe link in the message or contacting us. Even after opting out of promotional email, you may continue receiving non-promotional messages concerning an active service, transaction, payment, security matter, legal notice, or customer-service request.

Telephone calls

When you provide a telephone number, you authorize us to use that number to respond to your request and communicate about services, subject to applicable law and the consent language presented when the number is collected.

Text messages

When you separately consent to receive text messages, Superior Credit Repair may send consultation, appointment, account, service, reminder, or promotional messages as described in the consent presented to you. Message frequency may vary. Message and data rates may apply.

Consent to receive marketing text messages is not a condition of purchasing services. You may reply STOP to cancel text messages and HELP for assistance. A request to stop text messages may not prevent a message that confirms your opt-out.

Wireless carriers are not responsible for delayed or undelivered messages.

Mobile telephone information, text-message originator opt-in data, and text-message consent will not be sold or provided to unaffiliated third parties for their own marketing or promotional purposes. This restriction does not prevent disclosure to communication vendors, platform providers, or subcontractors that help us deliver messages, provide customer service, prevent fraud, maintain records, or comply with law.

9. Pinterest and Other Connected Platforms

Superior Credit Repair may provide an application, tool, or integration that allows authorized users to connect a Pinterest account or another supported social-media account.

We access connected-platform information only after an authorized user initiates the connection and grants the requested permissions through that platform.

Information we may receive from Pinterest

• Pinterest account or profile identifiers;
• Account name and publicly available profile information;
• Boards, Pins, media, descriptions, links, and related content;
• Analytics, impressions, clicks, saves, engagement, and performance information;
• Account permissions and authorization scopes;
• Access tokens or similar technical credentials; and
• Error, security, and integration activity information.

How connected-platform information is used

• Authenticate and maintain the connection you requested;
• Create, publish, schedule, update, or manage content you authorize;
• Display account, board, Pin, or campaign information;
• Measure content and campaign performance;
• Generate internal reports and analytics;
• Troubleshoot errors and maintain security;
• Improve the integration; and
• Comply with platform rules and applicable law.

Superior Credit Repair does not use Pinterest account credentials to access information outside the permissions an authorized user grants. Access tokens and similar credentials are treated as confidential technical information and are disclosed only to service providers that require access to operate, secure, or maintain the integration.

Disconnecting Pinterest

You may revoke Superior Credit Repair’s access through your Pinterest account settings or by contacting us. Revoking access generally prevents future access but may not automatically delete information previously obtained and lawfully retained for security, recordkeeping, legal compliance, dispute resolution, or another legitimate purpose.

To request deletion of Pinterest information maintained by Superior Credit Repair, email superiorcreditschedule@gmail.com with the subject line “Pinterest Data Deletion Request.” We may need to verify your identity and your authority over the connected account.

Pinterest and other connected platforms operate under their own terms and privacy policies. Superior Credit Repair does not control how those platforms independently collect, use, or retain information.

10. How We Disclose Information

Service providers

We may disclose information to vendors that provide website hosting, cybersecurity, identity verification, credit-report access, customer relationship management, scheduling, communications, document management, electronic signature, payment processing, accounting, analytics, advertising, customer service, data storage, and professional services.

Service providers receive only the information reasonably necessary to perform services for Superior Credit Repair and are expected to protect it consistent with their contracts and applicable law.

Credit bureaus, creditors, furnishers, and related parties

When you authorize us to perform a service, we may disclose information to credit bureaus, consumer reporting agencies, creditors, lenders, furnishers, debt collectors, identity-verification providers, and other parties involved in reviewing or responding to an authorized request.

Payment and billing providers

Information may be disclosed to payment processors, banks, card networks, fraud-prevention providers, and accounting providers to process or document a transaction.

Referral partners

When you request a referral, ask us to connect you with another business, or expressly consent to a referral, we may disclose the information reasonably necessary to complete that request. A referral recipient’s own privacy policy will govern its independent use of information after receiving it.

Professional advisers

We may disclose information to attorneys, accountants, auditors, insurers, consultants, and other professional advisers when reasonably necessary to operate the business, comply with law, or establish, exercise, or defend legal rights.

Legal and safety disclosures

We may disclose information when we reasonably believe disclosure is necessary to:

• Comply with applicable law, regulation, subpoena, court order, or legal process;
• Respond to a lawful request from a government or regulatory authority;
• Investigate fraud, identity theft, security incidents, or unlawful conduct;
• Protect the safety, property, privacy, or rights of Superior Credit Repair, a customer, or another person;
• Enforce an agreement or policy;
• Collect an amount lawfully owed;
• Investigate or respond to a complaint or legal claim; or
• Prevent or reduce a serious threat to safety or security.

With your direction or consent

We may disclose information to another person or organization when you direct us to do so, provide valid authorization, or give consent.

11. Sale and Sharing of Personal Information

Superior Credit Repair does not sell Social Security numbers, credit reports, government identification information, financial-account credentials, or text-message opt-in consent.

Superior Credit Repair does not sell personal information to third parties in exchange for money.

As explained in the Analytics and Advertising section, certain online advertising or analytics disclosures may be classified as a “sale,” “sharing,” or “targeted advertising” under some state privacy laws even when money is not exchanged. Where an applicable law provides a right to opt out, you may submit a request by emailing superiorcreditschedule@gmail.com with the subject line “Do Not Sell or Share Request.”

We do not knowingly sell or share the personal information of consumers under 16 years of age for targeted advertising.

12. Data Retention

Superior Credit Repair retains personal information only for as long as reasonably necessary for the purpose for which it was collected and for legitimate operational, security, recordkeeping, contractual, tax, accounting, regulatory, and legal purposes.

Retention periods may depend on:

• The type and sensitivity of the information;
• Whether you have an active or former customer relationship;
• The services requested or performed;
• Contractual recordkeeping requirements;
• Consumer-protection and credit-repair recordkeeping requirements;
• Tax, payment, and accounting requirements;
• Applicable limitation periods;
• The need to prevent fraud or preserve security records;
• A legal hold, regulatory request, subpoena, complaint, or dispute; and
• Whether deletion is technically feasible without affecting protected backup, security, or legal records.

When information is no longer reasonably needed, we may delete it, de-identify it, aggregate it, or securely isolate it until deletion is reasonably possible.

Deletion from active systems may not immediately remove residual copies from protected backups. Backup information will remain protected and will be deleted or overwritten through the ordinary backup lifecycle, unless longer retention is legally required.

13. Information Security

Superior Credit Repair uses reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, acquisition, disclosure, alteration, loss, destruction, and misuse.

Depending on the system and information involved, safeguards may include:

• Access restrictions and authentication controls;
• Role-based access to customer information;
• Encrypted transmission where appropriate;
• Secure hosting and storage services;
• Malware, firewall, monitoring, and security tools;
• Vendor and service-provider controls;
• Employee or contractor confidentiality requirements;
• Incident-response and data-recovery procedures;
• Secure disposal or deletion practices; and
• Periodic review of security risks and procedures.

No website, email system, mobile device, database, transmission method, or storage system can be guaranteed to be completely secure. Superior Credit Repair therefore cannot promise that unauthorized access, loss, misuse, or a security incident will never occur.

You are responsible for protecting passwords, devices, email accounts, and other credentials under your control. Notify us promptly if you believe that information submitted to Superior Credit Repair has been accessed or used without authorization.

When required by applicable law, Superior Credit Repair will provide legally required notice of a qualifying security incident to affected individuals, regulators, law enforcement, consumer reporting agencies, or other required recipients.

14. Your Privacy Choices and Requests

Depending on where you live, the nature of our relationship, and the law that applies, you may have the right to request:

• Confirmation that we process personal information about you;
• Access to certain personal information maintained about you;
• Correction of inaccurate personal information;
• Deletion of certain personal information;
• A portable copy of certain information you provided;
• The categories of personal information collected;
• The categories of sources from which information was collected;
• The purposes for collecting, using, or disclosing information;
• The categories of third parties to which information was disclosed;
• Opt-out from a qualifying sale, sharing, or targeted advertising activity;
• Restriction or limitation of certain uses of sensitive personal information;
• Withdrawal of consent where processing depends on consent; or
• An appeal from the denial of a qualifying privacy request.

These rights are not absolute. A request may be denied or limited when an exception applies, including when information is reasonably necessary to:

• Complete a transaction or provide a requested service;
• Maintain information required by a service agreement or consumer-protection law;
• Comply with the Credit Repair Organizations Act, Fair Credit Reporting Act, Gramm-Leach-Bliley Act, tax laws, court rules, or another applicable law;
• Detect or prevent fraud, identity theft, abuse, or security incidents;
• Maintain records of consent, authorization, payments, disputes, or legal notices;
• Exercise or defend a legal claim;
• Protect the rights or safety of another person;
• Maintain confidential or privileged information; or
• Complete another purpose permitted by law.

Submitting a request

• Email: superiorcreditschedule@gmail.com with the subject line “Privacy Request.”
• Telephone: 1-888-715-2400.

Describe the right you wish to exercise and provide enough information for us to identify the records involved. Do not send a complete Social Security number, account password, complete payment-card number, or government identification through ordinary email.

Identity verification

We may verify your identity before fulfilling a request. Verification may require matching information you provide against our records, confirming access to an email address or telephone number, requesting a signed declaration, or using another reasonable verification method.

Sensitive records may require a higher degree of verification. We will use information submitted for verification only to process, document, and protect the privacy request unless another use is permitted by law.

Authorized agents

Where permitted by law, an authorized agent may submit a request for you. We may require proof that you gave the agent signed permission and may ask you to verify your identity directly. A legally authorized guardian, power of attorney, or other representative may be required to provide documentation of that authority.

Response timing

We will respond within the period required by the law applicable to the request. When permitted, we may extend the response period and will provide notice of the extension.

No unlawful discrimination

Superior Credit Repair will not unlawfully discriminate against you for exercising an applicable privacy right. Exercising a deletion or restriction right may, however, prevent us from continuing a service when the requested service reasonably requires the affected information.

15. State Privacy Rights

Residents of certain states may have additional privacy rights when the applicable state law applies to Superior Credit Repair and the information involved.

State-law rights may include access, correction, deletion, portability, opt-out from targeted advertising, opt-out from a qualifying sale or sharing of information, limitation of certain sensitive-data uses, information about disclosures, and the right to appeal a denied request.

Some customer information may be governed by or exempt under federal financial-privacy, consumer-reporting, credit-repair, or other sector-specific laws. As a result, a state privacy right may not apply to every record maintained about a customer.

California residents

Where the California Consumer Privacy Act, as amended, applies, a California resident may have rights to know, access, correct, or delete covered personal information and to opt out of covered sale or sharing activity. California residents may also have the right to limit certain uses of sensitive personal information and to receive information about the categories of information collected, used, and disclosed.

Superior Credit Repair does not sell personal information for monetary consideration. Certain advertising-related disclosures may be considered “sharing” under California law. A qualifying request may be submitted through the contact methods listed above.

Nevada residents

A Nevada resident may submit a verified request to opt out of a qualifying sale of covered information by emailing superiorcreditschedule@gmail.com. Superior Credit Repair does not sell covered information for monetary consideration as described in this policy.

Privacy-request appeals

When applicable state law provides an appeal right, you may appeal a denied request by emailing superiorcreditschedule@gmail.com with the subject line “Privacy Request Appeal.” Include the original request date and a brief explanation of why you believe the decision should be reconsidered.

16. Children’s Privacy

Superior Credit Repair’s website and credit-repair services are intended for adults and are not directed to children under 18.

We do not knowingly collect personal information online from a child under 13. If we learn that a child under 13 submitted personal information without legally sufficient parental authorization, we will take reasonable steps to delete it, subject to any legal obligation to preserve the information.

A parent or legal guardian who believes a child submitted information may contact us using the methods provided in this policy.

17. Third-Party Websites and Services

Our website may link to credit bureaus, government agencies, lenders, real-estate providers, automobile providers, home-service providers, social-media platforms, payment processors, scheduling tools, or other third-party websites and services.

A link does not mean that Superior Credit Repair controls or accepts responsibility for the third party’s privacy, security, accuracy, products, services, or business practices.

Information you provide directly to a third party is governed by that third party’s privacy policy and terms. Review those policies before submitting personal or financial information.

18. Business Transfers

Personal information may be disclosed or transferred as part of an actual or proposed merger, acquisition, financing, reorganization, bankruptcy, receivership, sale of company assets, transfer of a service line, or similar business transaction.

A recipient of transferred information will be required to handle it in accordance with applicable law and any privacy commitments that continue to apply.

19. Policy Limitations and Legal Effect

This Privacy Policy describes Superior Credit Repair’s general information practices. It does not create a guarantee that every system, service provider, website feature, or communication method will always be available, error-free, or completely secure.

This Privacy Policy does not create contractual rights beyond those imposed by an applicable written agreement or applicable law. Your purchase or use of credit-repair services may be subject to a separate service agreement, consumer disclosures, cancellation notice, authorization, payment terms, and Terms of Use.

Nothing in this Privacy Policy:

• Waives a right that cannot legally be waived;
• Limits a duty that cannot legally be limited;
• Changes a right provided by an applicable credit-repair or consumer-protection law;
• Creates an attorney-client, fiduciary, lender-borrower, or credit-bureau relationship;
• Promises a particular credit result, deletion, score increase, approval, or completion date; or
• Prevents Superior Credit Repair from preserving information needed to comply with law or defend a legal claim.

To the fullest extent permitted by law, Superior Credit Repair is not responsible for unauthorized access, disclosure, alteration, loss, or destruction caused by circumstances outside its reasonable control, including criminal attacks, third-party platform failures, telecommunications failures, natural disasters, or a user’s failure to protect devices or credentials.

If a provision of this Privacy Policy is determined to be invalid, unlawful, or unenforceable, that provision will be enforced to the maximum extent permitted, and the remaining provisions will remain in effect.

20. Changes to This Privacy Policy

Superior Credit Repair may update this Privacy Policy to reflect changes in services, technology, information practices, business operations, platform requirements, or applicable law.

The revised policy will be posted on this page with an updated “Last Updated” date. When required by law, we will provide additional notice or obtain consent before a material change applies to previously collected information.

Your continued use of the website after an updated policy is posted signifies acknowledgment of the revised policy but does not replace consent when applicable law requires separate affirmative consent.

21. Contact Superior Credit Repair

Contact Superior Credit Repair with privacy questions, security concerns, communication requests, or requests to exercise an applicable privacy right.

Telephone: 1-888-715-2400

Email: superiorcreditschedule@gmail.com

For faster handling, place “Privacy Request,” “Security Concern,” “Pinterest Data Deletion Request,” or “Do Not Sell or Share Request” in the email subject line, as applicable.