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PRIVACY POLICY

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Effective Date:

Last Updated:

Excel Credit Care (“we,” “our,” or “us”) is committed to protecting your privacy and safeguarding
your personal information. This Privacy Policy explains how we collect, use, store, protect, and
disclose information when you visit our website, use our services, or communicate with us.

By using our website or services, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We collect personal and non-personal information to provide and improve our services.

A. Personal Information

Personal information may include, but is not limited to:

  • Full name
  • Email address
  • Phone number
  • Mailing address
  • Date of birth
  • Social Security number (when required for credit repair services)
  • Credit report information
  • Identification documents
  • Payment and billing information

This information is collected only when voluntarily provided by you through forms, enrollment
documents, consultations, or client portals.

B. Non-Personal Information

We may automatically collect certain non-personal data, including:

  • IP address
  • Browser type
  • Device information
  • ages visited and time spent on the site
  • Referral sources

This information is used for analytics, website optimization, and security purposes.

2. How We Use Your Information

We use collected information strictly for legitimate business purposes, including:

  • Providing credit repair and credit education services
  • Reviewing and analyzing credit reports
  • Preparing and submitting disputes
  • Communicating updates and service information
  • Managing billing and account activity
  • Improving website performance and user experience
  • Complying with legal and regulatory requirements

We do not sell, rent, or trade your personal information.

3. Legal Basis for Processing Information

We process personal information based on one or more of the following:

  • Your consent
  • Performance of a service agreement
  • Compliance with legal obligations
  • Legitimate business interests

4. How We Share Information

We may share information only when necessary and only with trusted parties, including:

  • Credit reporting agencies
  • Credit monitoring providers (if applicable)
  • Secure software platforms used to manage services
  • Payment processors
  • Legal or regulatory authorities when required by law

All third parties are required to maintain confidentiality and protect your data.

5. Data Security

Excel Credit Care implements reasonable administrative, technical, and physical safeguards to
protect your personal information, including:

  • Secure data storage systems
  • Restricted access to sensitive information
  • Encrypted platforms where applicable
  • Confidentiality agreements with staff and contractors

While we take strong measures to protect your information, no system can be guaranteed to be
100% secure.

6. Client Responsibilities

You are responsible for:

  • Providing accurate and truthful information
  • Keeping your login credentials secure
  • Notifying us promptly of unauthorized access or changes

7. Data Retention

We retain personal information only as long as necessary to:

  • Provide services
  • Meet legal and regulatory requirements
  • Resolve disputes
  • Enforce agreements

When information is no longer required, it is securely deleted or anonymized.

8. Cookies and Tracking Technologies

Our website may use cookies or similar technologies to:

  • Improve website functionality
  • Analyze traffic and usage patterns
  •  Enhance user experience

You may adjust your browser settings to disable cookies; however, some site features may not
function properly.

9. Third-Party Links

Our website may contain links to third-party websites. Excel Credit Care is not responsible for
the privacy practices or content of external sites. We encourage you to review their privacy
policies separately.

10. SMS, Email, and Communications

By providing your contact information, you consent to receive communications related to your
account or services, including:

  • Service updates
  • Appointment reminders
  • Billing notifications

Message and data rates may apply. You may opt out of non-essential communications at any
time by following the instructions provided.

11. Your Privacy Rights

Depending on your jurisdiction, you may have the right to:

  • Access your personal information
  • Request corrections to inaccurate data
  • Request deletion of your information (subject to legal requirements)
  • Withdraw consent for certain uses

Requests can be submitted by contacting us directly.

12. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect
personal information from minors.

13. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. Changes will be posted on this
page with an updated effective date. Continued use of our services constitutes acceptance of
the updated policy.

14. Contact Information

If you have questions or concerns about this Privacy Policy or how your information is handled,
please contact us:

Excel Credit Care
Boston, MA
Email: repair@excelcreditcare.com
Phone: (781) 423-1919

Providing structured credit repair and credit education services to clients across the United States, with a focus on transparency, compliance, and long-term financial improvement.

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Contact Us

Boston, MA

(781) 423-1919

repair@excelcreditcare.com

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