She Rises Financial Solutions LLC ("Company," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website creditmelinda.com, use our services, or interact with us through any digital platform.
1. Information We Collect
We may collect the following types of information:
Personal Information You Provide:
- Full name, email address, phone number, and mailing address
- Credit-related information you voluntarily share during consultations or through client intake forms
- Payment and billing information processed through our third-party payment processors
- Communication records including emails, text messages, and call notes
- Any other information you voluntarily provide through our forms, surveys, or direct communication
Information Collected Automatically:
- IP address, browser type, device information, and operating system
- Pages visited, time spent on pages, and referral source
- Cookies and similar tracking technologies (see Section 6)
2. How We Use Your Information
We use the information we collect for the following purposes:
- To provide credit repair, credit education, and financial coaching services
- To communicate with you about your account, services, and appointment scheduling
- To send you educational content, lead magnets, newsletters, and promotional materials you opted into
- To process payments and maintain accurate billing records
- To improve our website, services, and client experience
- To comply with legal obligations and protect our rights
- To respond to your inquiries and provide customer support
3. How We Protect Your Information
We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:
- Encrypted data transmission (SSL/TLS) on our website and client portals
- Secure storage of client files in compliant CRM and dispute management systems
- Limited access to personal information on a need-to-know basis
- Regular review of our data collection, storage, and processing practices
While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.
4. Information Sharing and Disclosure
We do not sell, rent, or trade your personal information to third parties for marketing purposes.
We may share your information in the following limited circumstances:
- Service Providers: Third-party platforms we use to operate our business (e.g., GoHighLevel for CRM, DisputeFox for dispute management, Stripe for payment processing, SmartCredit for credit monitoring). These providers are contractually obligated to protect your data.
- Credit Bureaus and Furnishers: When you authorize us to submit disputes or correspondence on your behalf to Equifax, Experian, TransUnion, or data furnishers.
- Legal Requirements: When required by law, court order, or governmental regulation, or to protect our rights, safety, or property.
- With Your Consent: When you have given us explicit authorization to share specific information.
5. Your Rights and Choices
You have the following rights regarding your personal information:
- Access and Correction: You may request access to or correction of your personal information at any time by contacting us.
- Opt-Out of Marketing: You may unsubscribe from marketing emails by clicking the "unsubscribe" link in any email, or by contacting us directly. This does not affect service-related communications.
- Data Deletion: You may request deletion of your personal information, subject to our legal obligations to retain certain records.
- Do Not Track: Our website does not currently respond to "Do Not Track" browser signals.
6. Cookies and Tracking Technologies
Our website may use cookies, pixels, and similar technologies to enhance your browsing experience, analyze website traffic, and serve relevant content. You can manage cookie preferences through your browser settings. Disabling cookies may affect certain features of our website.
We may use third-party analytics services such as Google Analytics and Facebook Pixel to understand how visitors interact with our website. These services may collect information about your browsing activity across different websites.
7. Third-Party Links
Our website and communications may contain links to third-party websites, including but not limited to SmartCredit, payment processors, and social media platforms. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.
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. If we become aware that we have collected information from a minor, we will take steps to delete it promptly.
9. Data Retention
We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Credit repair client records are retained in accordance with applicable federal and state requirements.
10. Texas Residents
If you are a Texas resident, you may have additional rights under the Texas Data Privacy and Security Act (TDPSA), including the right to access, correct, delete, and obtain a copy of your personal data, as well as the right to opt out of the processing of personal data for targeted advertising. To exercise these rights, please contact us using the information below.
11. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The updated version will be posted on this page with a revised "Last Updated" date. We encourage you to review this policy periodically.
12. Contact Us
If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us:
She Rises Financial Solutions LLC
Email: [email protected]
Website: creditmelinda.com
South Texas · Registered & Bonded · State of Texas