This Privacy Policy describes how Credit Information Bureau ("Company," "we," "us," or "our") collects, uses, and shares information in connection with your use of our Credit Repair Magic program and our website, located at CreditRepairMagic.com.
1. Information We Collect
Because our program is a DIY service that provides templates and educational materials, we generally do not collect sensitive credit report data directly.
We collect two main types of information:
A. Information You Provide to Us
This is information you voluntarily provide when you register for our program, purchase products, or communicate with us.
- Contact & Account Information: Your name, email address, postal address, phone number, and account login credentials (username and password).
- Transaction/Payment Information: Information necessary to process your payment for the program, such as credit card details (processed by a third-party payment processor) or other payment information. We do not store full credit card numbers on our servers.
- Communications: Information you provide when you contact us for customer support, send emails, or participate in surveys.
- Credit Report Linking: The Credit IQ software is provided by a third-party service that links your credit reports to your software but we do not retain or use that information for any other purpose.
B. Information We Collect Automatically
When you access or use our website, we may automatically collect certain information about your device and activity.
- Usage Data: Details about how you use the program and website, such as time of access, pages viewed, links clicked, and the time spent on those pages.
- Device & Technical Data: Information about your computer or mobile device, including your IP address, browser type, operating system, and unique device identifiers.
- Cookies and Tracking Technologies: We use cookies and similar tracking technologies (like web beacons) to track activity on our website and hold certain information to enhance your experience, analyze site usage, and support our marketing efforts.
2. How We Use Your Information
We use the collected information for various business purposes, including:
- To Provide and Maintain the Program: To create and manage your account, process your transactions, and deliver the DIY credit repair materials, templates, and educational content you purchased.
- To Communicate with You: To send you transaction confirmations, technical notices, security alerts, and support messages.
- To Improve Our Services: To analyze usage trends, understand how users interact with our program, and improve our website and content.
- Marketing and Promotions: To send you promotional communications about our services, offers, and news, in accordance with your preferences. You can opt-out of these communications at any time.
- Security and Legal Compliance: To detect and prevent fraud, protect the security of our website and program, and comply with legal obligations, such as responding to lawful requests from government or regulatory authorities.
3. How We Share Your Information
We do not sell your personal information. We may share your information with the following categories of third parties:
- Legal Compliance and Protection: We may disclose your information if required to do so by law or in the good faith belief that such action is necessary to: (a) comply with a legal obligation; (b) protect and defend the rights or property of Credit Information Bureau, Inc.; (c) prevent or investigate possible wrongdoing in connection with the Program; or (d) protect the personal safety of users of the Program or the public.
- Business Transfers: In connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company.
4. Data Security
We implement reasonable technical and organizational measures designed to protect your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. However, no security system is impenetrable, and we cannot guarantee the security of our systems 100%.
5. Your Choices and Rights
Depending on your location, you may have the following rights regarding your personal information:
- Opt-Out of Marketing Communications: You can opt-out of receiving promotional emails from us by following the unsubscribe instructions provided in those emails.
- Access, Correction, or Deletion: You may request access to, correction of, or deletion of the personal information you have provided to us. Please send such requests to the contact information below.
- Cookies: You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of the website may then be inaccessible or not function properly.
6. Third-Party Links
Our website may contain links to third-party websites or services that are not operated by us. This Privacy Policy does not apply to the practices of these third parties. We strongly advise you to review the privacy policy of every site you visit.
7. Changes to Our Privacy Policy
We may update our Privacy Policy from time to time. We will post the new Privacy Policy on this page and update the "Effective Date" at the top. We encourage you to review this Privacy Policy periodically for any changes.
8. Contact Information
If you have questions or comments about this Privacy Policy, please contact us at:
