1Overview
Salud Credit ("Salud Credit," "we," "us," or "our") provides credit repair, credit monitoring, credit building, and financial coaching services. We understand that the information you share with us; including your Social Security number, credit reports, and financial history is deeply personal. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website, use our client portal, or engage our services.
By using our website or services, you agree to the collection and use of information as described in this policy. If you do not agree with our practices, please do not use our website or services.
2Information We Collect
To deliver credit repair and financial coaching services, we necessarily collect sensitive personal and financial information. This includes:
Personal Identifiers
- Full name, date of birth, and Social Security number
- Current and prior mailing addresses
- Email address and phone number
- Government-issued identification (for identity verification)
Financial & Credit Information
- Credit reports and credit scores from Equifax, Experian, and TransUnion
- Details of accounts, collections, judgments, and other reported items
- Income, employment, and banking information you voluntarily provide for coaching or business credit services
- Payment and billing information for our program fees
Website & Portal Usage Data
- IP address, browser type, and device information
- Pages visited, time on site, and referral source
- Client portal activity, such as login times and documents viewed
3How We Use Your Information
We use the information we collect to:
- Verify your identity and pull your credit reports with your authorization
- Analyze your credit profile and build your personalized recovery or growth plan
- Prepare and submit disputes to credit bureaus, creditors, and collection agencies on your behalf
- Communicate with you about your case, program updates, and score changes
- Process payments for your selected program
- Provide financial coaching and business credit guidance you've requested
- Improve our website, client portal, and service offerings
- Comply with legal, regulatory, and recordkeeping obligations
We do not use your Social Security number or credit report data for any purpose beyond delivering the services you've engaged us for.
6Data Security
Given the sensitivity of the information we handle, we maintain administrative, technical, and physical safeguards designed to protect your data, consistent with the safeguards required under the Gramm-Leach-Bliley Act (GLBA). These include:
- Encryption of data in transit and at rest
- Restricted, role-based access to client files within our team
- Secure client portal with authenticated login
- Regular review of our security practices and vendor safeguards
While we work hard to protect your information, no method of transmission or storage is 100% secure. We encourage you to use a strong, unique password for your client portal account and to contact us immediately if you suspect unauthorized access.
7Data Retention
We retain your personal and financial information for as long as necessary to provide your services, maintain accurate business and legal records, and comply with regulatory recordkeeping requirements under the Credit Repair Organizations Act (CROA) and other applicable law. When information is no longer needed, we securely delete or de-identify it.
8Your Rights & Choices
Depending on where you live, you may have the right to:
- Request access to the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your information, subject to our legal recordkeeping obligations
- Opt out of marketing communications at any time
- Withdraw your authorization for us to pull your credit reports going forward
To exercise any of these rights, contact us using the information below. We will respond within the timeframe required by applicable law.
9Children's Privacy
Our services are intended for individuals who are at least 18 years old. We do not knowingly collect personal information from children under 18. If we become aware that we've inadvertently collected such information, we will delete it promptly.
10Third-Party Links
Our website may contain links to third-party sites, such as credit bureau portals or financial education resources. We are not responsible for the privacy practices of those sites. We encourage you to review their privacy policies before providing any personal information.
11Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we do, we will revise the "Last Updated" date at the top of this page. We encourage you to review this policy periodically.
12Contact Us
If you have questions about this Privacy Policy or how we handle your information, reach out to us:
Salud Credit Privacy Team