Privacy Policy

Overview

Credit by Katia ("we," "us," or "our") respects your privacy. This Privacy Policy explains what information we collect through creditbykatia.com, how we use it, who we may share it with, and the choices you have. By using this website or our services, you agree to the practices described here.

Information We Collect

When you use our contact form, call, text, or email us, we may collect:

Your name, phone number, and email address
Information you choose to share about your financial goals (for example, what you're working toward)
Credit report information you voluntarily provide to us during a consultation, once you obtain it yourself through a credit-monitoring provider or AnnualCreditReport.com
Basic technical information such as browser type and pages visited, collected automatically through standard website analytics

We do not ask you to submit your Social Security number, full account numbers, passwords, or other highly sensitive financial information through our website contact form.

How We Use Your Information

To respond to your inquiry and schedule a free consultation
To review credit report information you provide and identify items that may be inaccurate, incomplete, outdated, or otherwise appropriate to investigate
To communicate with you about the status of services you've enrolled in
To comply with applicable laws, including recordkeeping requirements under the Credit Repair Organizations Act

We do not sell your personal information to third parties.

Third-Party Services

Our website may link to third-party credit-monitoring providers so you can obtain your own credit reports. These providers are independent companies with their own privacy policies and terms. We encourage you to review those policies directly before enrolling in any third-party service. We are not responsible for the privacy practices of third-party websites.

How We Protect Your Information

We take reasonable administrative and technical measures to protect the information you share with us. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Data Retention

We retain your information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements.

Your Choices

You may contact us at any time to ask what information we have about you, to request corrections, or to request that we delete information we no longer need to retain for legal or business purposes.

Children's Privacy

Our services are intended for adults. We do not knowingly collect information from anyone under 18 years old.

Changes to This Policy

We may update this Privacy Policy from time to time. The "last updated" date at the top of this page reflects the most recent revision.