Privacy Policy

1. Information We Collect

We collect information you provide directly to us, including:

• Contact information: Name, email address, phone number, and mailing address.
• Financial information: Credit scores, credit report details, income information, and debt information necessary to provide credit repair services.
• Identity verification: Government-issued ID and Social Security Number, required to pull credit reports on your behalf.
• Communication records: Records of correspondence between you and Cradexa.
• Payment information: Billing details processed through secure third-party payment processors.
• Usage data: Information about how you interact with our website and client portal.

2. How We Use Your Information

We use the information collected to:

• Provide credit repair and financial coaching services
• Pull and analyze your credit reports from Equifax, Experian, and TransUnion
• Prepare and send dispute letters to credit bureaus and creditors on your behalf
• Communicate with you about your account and services
• Process payments
• Comply with legal obligations, including CROA and Texas Finance Code requirements
• Improve our services and client portal
• Prevent fraud and ensure account security

3. Information Sharing

We do not sell, rent, or trade your personal information. We may share your information with:

• Credit bureaus: Equifax, Experian, and TransUnion, as necessary to perform dispute services.
• Original creditors and collection agencies: When negotiating on your behalf.
• Service providers: Trusted third-party vendors who assist in operating our business (e.g., payment processors, CRM software, encrypted document storage), bound by strict confidentiality agreements.
• Legal authorities: When required by law, court order, or to protect our legal rights.

4. Data Security

We implement industry-standard security measures to protect your personal and financial information, including 256-bit SSL encryption, secure servers, and access controls. However, no internet transmission is 100% secure. If you believe your information has been compromised, contact us immediately at privacy@cradexa.com.

5. Your Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information (subject to legal retention requirements)
• Withdraw consent at any time (which may affect our ability to provide services)
• Lodge a complaint with the Federal Trade Commission (FTC) or Texas Attorney General

6. Data Retention

We retain your personal information for as long as necessary to provide services and comply with legal obligations. Under CROA, we are required to maintain records of services performed for a period of 2 years after the date a contract is executed. After that period, data is securely deleted or anonymized.

7. Cookies and Website Tracking

Our website uses cookies and similar tracking technologies to improve user experience, analyze traffic, and understand how visitors interact with our site. You can control cookie settings through your browser settings. Some features of the website may not function properly if cookies are disabled.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected such information, please contact us immediately.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by email or by posting a notice on our website. Your continued use of our services after such changes constitutes your acceptance of the updated policy.

10. Contact Us