Privacy Policy

We collect information you intentionally provide through consultation requests, newsletter subscriptions, accessibility feedback, support communications, secure client workflows, and other requested services.

Appointment information entered in the booking calendar is processed by Cal.com. Active-client portal information is handled through the protected CSD Client Portal and the technology providers used to operate that service.

You retain ownership of personal information, documents, photographs, signatures, records, and other content that you submit to CSD, subject to any rights held by third parties in that material. By submitting information for a requested service, you authorize CSD and its service providers to host, copy, transmit, transform, analyze, organize, and otherwise process that information only as reasonably necessary to provide, secure, document, improve, or comply with the requested service and applicable law.

CSD retains all rights in its proprietary software, interfaces, workflows, templates, report layouts, analytical methods, classifications, compilations, and platform-generated structures. CSD does not claim ownership of a consumer's underlying personal data merely because the platform processes it.

Accessibility preferences, identity-theft checklist selections, and saved calculator results may be stored in your browser. This information can be cleared, lost, or unavailable on another device. Download any calculator backup you wish to retain.

Information is used to respond to requests, manage requested educational email subscriptions, schedule consultations, provide requested services, improve accessibility, maintain website security, prevent misuse, and satisfy applicable obligations. CSD does not sell consumer personal information for another company's independent marketing use.

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

CSD uses SMS consent only for the specific messaging purpose the consumer affirmatively selects. SMS consent is not a condition of purchase, requesting an evaluation, or receiving CSD services.

Essential platform technologies may support website operation. Limited analytics may record page or feature usage. Third-party links and services have their own privacy practices. Verify the destination before submitting personal information.

Consultation, client, accessibility, and security records are retained only as needed for their stated purpose, legal obligations, dispute prevention, documented business requirements, and lawful recordkeeping. Submit access, correction, deletion, portability, applicable opt-out, or appeal requests through the privacy rights request form or email privacy@creditscoredefenders.com.

CSD uses layered administrative, technical, and access-control safeguards designed to protect personal information and restrict unauthorized access. HTTPS and platform access controls are used where applicable. CSD may process security-related technical information such as network or IP address, country information supplied by the hosting or network provider, browser and user-agent data, authentication status, request path, request timing, and security-rule matches to prevent fraud, abuse, unauthorized access, automated misuse, and attacks against protected services. Security event records are restricted to authorized administrators and are retained only as reasonably necessary for security, investigation, compliance, and system-protection purposes. No online system is guaranteed to be perfectly secure. You may decline optional contact channels and should not submit unnecessary sensitive information through ordinary website forms or email.

Questions, privacy requests, copyright notices, intellectual-property concerns, or complaints may be sent to legal@creditscoredefenders.com or through the phone support control. Do not send Social Security numbers, complete account numbers, identity documents, or credit reports by ordinary email.