PRIVACY POLICY - PRIVACY NOTICE

Credit Score Defenders LLC - CSD ®

Effective Date:** August 25th, 2024

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Welcome to Credit Score Defenders. We are committed to protecting your privacy and ensuring that your personal information is handled in a safe and responsible manner. This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website [www.creditscoredefenders.com](http://www.creditscoredefenders.com) and use our services. Please read this policy carefully.

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**1. What Type of Information Do We Collect?**

We may collect the following types of information:

- **Personal Identification Information:** This may include your name, email address, phone number, and mailing address.
- **Financial Information:** Such as credit scores, credit reports, and other financial data you provide to us.
- **Usage Data:** Information about how you use our website, including your IP address, browser type, operating system, referring URLs, and pages visited.
- **Cookies and Tracking Technologies:** We use cookies and similar technologies to collect information about your interactions with our website.

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**2. How Do We Collect Information?**

We collect information in the following ways:

- **Directly from You:** When you fill out forms on our website, subscribe to our services, or communicate with us via email or phone.
- **Automatically:** Through the use of cookies, web beacons, and similar tracking technologies when you interact with our website.
- **Third-Party Sources:** We may receive information from third parties, such as credit bureaus or partners, in connection with our services.

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**3. Why Do We Collect Such Personal Information?**

We collect personal information for the following purposes:

- **To Provide and Improve Our Services:** Including managing your account, processing your requests, and enhancing our website.
- **To Communicate with You:** Sending you updates, newsletters, promotional materials, and responding to your inquiries.
- **To Comply with Legal Obligations:** Including regulatory requirements and industry standards.
- **To Prevent Fraud and Ensure Security:** Protecting against unauthorized access and misuse of our services.

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**4. How Do We Store, Use, Share, and Disclose Your Personal Information?**

- **Storage:** Your personal information is stored securely in our databases with access restricted to authorized personnel only.
- **Use:** We use your information solely for the purposes described in this policy.
- **Sharing:** We do not sell or rent your personal information to third parties. We may share your information with trusted service providers who assist us in operating our website or conducting our business, provided they agree to keep your information confidential.
- **Disclosure:** We may disclose your information if required by law or in connection with legal proceedings, or to protect the rights, property, or safety of Credit Score Defenders, our users, or others.

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**5. How (and If) Do We Communicate with You?**

We may communicate with you through:

- **Email:** For updates, customer support, or marketing purposes. You can opt-out of marketing communications at any time by following the unsubscribe instructions in those emails.
- **Phone:** If you provide us with your phone number, we may contact you for customer support or service-related issues.
- **Website Notifications:** For important updates or changes to our services.

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**6. Is Our Service Targeting and Collecting Information from Minors?**

No, our services are not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected personal information from a minor, we will take steps to delete such information from our records.

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**7. Privacy Policy Updates**

We may update this Privacy Policy from time to time. Any changes will be posted on our website, and the effective date of the updated policy will be indicated at the top. We encourage you to review this policy periodically to stay informed about how we are protecting your information.

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**8. Contact Information**

If you have any questions or concerns about this Privacy Policy or our practices, please contact us at:

- **Email:** [customerservice@creditscoredefenders.com](mailto:customerservice@creditscoredefenders.com) or [customersupport@creditscoredefenders.com](mailto:customersupport@creditscoredefenders.com)
- **Website:** [www.creditscoredefenders.com](http://www.creditscoredefenders.com)

**Links to Other Policies**

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For more information on how Google handles your data, please refer to Google's Privacy Policy: [Google Privacy Policy](https://policies.google.com/privacy).

By using our website and services, you acknowledge that you have read and understood this Privacy Policy.

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**Table of Contents:**

1. **Summary of Key Points**
2. **What Type of Information Do We Collect?**
3. **How Do We Collect Information?**
4. **Why Do We Collect Such Personal Information?**
5. **How Do We Store, Use, Share, and Disclose Your Personal Information?**
6. **How (and If) Do We Communicate with You?**
7. **Is Our Service Targeting and Collecting Information from Minors?**
8. **Cookie Use**
9. **What Is Our Stance on Third-Party Websites?**
10. **How Do We Handle Your Social Logins?**
11. **How Do We Keep Your Information Safe?**
12. **Privacy Policy Updates**
13. **Contact Information**
14. **Links to Other Policies**

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**1. Summary of Key Points**

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- **Information Collected:** Personal, financial, usage data, and cookies.
- **Collection Methods:** Directly from you, automatically via cookies, and from third parties.
- **Purpose:** Service provision, communication, legal compliance, and security.
- **Storage and Sharing:** Secure storage, limited sharing with service providers, and legal disclosures.
- **Communications:** Email, phone, and website notifications.
- **Minors:** Not targeted at individuals under 18.
- **Cookies:** Used for site functionality and analytics.
- **Third-Party Websites:** Not responsible for their privacy practices.
- **Social Logins:** Managed securely with third-party providers.
- **Data Security:** Implemented with robust measures.

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**2. What Type of Information Do We Collect?**

- **Personal Identification Information:** Name, email, phone number, and address.
- **Financial Information:** Credit scores, reports, and related data.
- **Usage Data:** IP address, browser type, operating system, referring URLs, and page interactions.
- **Cookies and Tracking Technologies:** For understanding website usage.

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**3. How Do We Collect Information?**

- **Directly from You:** When you use our services, fill out forms, or contact us.
- **Automatically:** Through cookies and similar technologies on our website.
- **Third-Party Sources:** From partners or credit bureaus.

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**4. Why Do We Collect Such Personal Information?**

- **To Provide and Improve Services:** Manage accounts and enhance user experience.
- **To Communicate:** Updates, support, and marketing.
- **To Comply with Legal Obligations:** Meet regulatory requirements.
- **To Ensure Security:** Prevent fraud and unauthorized access.

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**5. How Do We Store, Use, Share, and Disclose Your Personal Information?**

- **Storage:** Secure databases with restricted access.
- **Use:** For stated purposes only.
- **Sharing:** With trusted service providers under confidentiality agreements.
- **Disclosure:** As required by law or for protection of rights.

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**6. How (and If) Do We Communicate with You?**

- **Email:** For service updates, support, and marketing (opt-out available).
- **Phone:** For support or service issues.
- **Website Notifications:** For important updates.

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**7. Is Our Service Targeting and Collecting Information from Minors?**

No, we do not knowingly collect information from individuals under 18. If we learn that we have collected such information, we will delete it promptly.

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**8. Cookie Use**

We use cookies and similar tracking technologies to:

- **Enhance Functionality:** Improve user experience on our website.
- **Analyze Usage:** Understand and analyze website performance and usage patterns.
- **Marketing:** Deliver relevant ads and promotions.

You can manage cookie preferences through your browser settings. However, disabling cookies may affect website functionality.

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 **9. What Is Our Stance on Third-Party Websites?**

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review their privacy policies before providing any personal information.

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**10. How Do We Handle Your Social Logins?**

If you use social login features (e.g., Facebook, Google) to access our services, we may collect information from your social media profile as permitted by the provider. We handle this information according to our privacy practices and do not share it with unauthorized third parties.

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**11. How Do We Keep Your Information Safe?**

We employ robust security measures, including encryption and access controls, to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Despite these measures, no online transmission or electronic storage is completely secure. We strive to protect your information but cannot guarantee absolute security.

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**12. Privacy Policy Updates**

We may update this Privacy Policy periodically. Changes will be posted on our website with an updated effective date. We encourage you to review this policy regularly to stay informed about how we protect your information.

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**13. Contact Information**

For any questions or concerns regarding this Privacy Policy, please contact us at:

- **Email:** [customerservice@creditscoredefenders.com](mailto:customerservice@creditscoredefenders.com) or [customersupport@creditscoredefenders.com] (mailto:customersupport@creditscoredefenders.com)
- **Website:** [www.creditscoredefenders.com] (http://www.creditscoredefenders.com)

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 **14. Links to Other Policies**

- **Google Privacy Policy:** [Google Privacy Policy] (https://policies.google.com/privacy)

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By using our website and services, you acknowledge that you have read and understood this Privacy Policy.