CrisTemo & Associates (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your personal information when you use our credit repair services. It also outlines your rights regarding SMS communications in compliance with A2P 10DLC regulations and other applicable laws.

By using our services, you agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect the following personal information to provide and improve our credit repair services:

Personal Information – Name, address, phone number, email, and other identifying details .Credit & Financial Information – Credit reports, credit scores, debt history, and financial details. Payment Information – Credit card or banking details for payment processing. Communication Data – Emails, SMS messages, and inquiries sent to or received from us.

2. How We Use Your Information

We use your information to:

Provide credit repair and financial consulting services. Submit credit disputes on your behalf. Send service-related notifications, updates, and offers via SMS, email, or phone calls. Process payments and maintain transaction records. Comply with legal, regulatory, and industry requirements.

3. SMS Communications & Opt-Out Policy

By providing your phone number, you consent to receive SMS messages related to:

✅ Appointment reminders and service updates

✅ Credit dispute notifications
✅ Exclusive offers and educational content

You may opt out at any time by:

📌Replying "STOP" to any SMS to unsubscribe

📌 Replying "HELP" for support or assistance

📌Contacting us at [email protected] (424) 544-3435

Message & Data Rates:

Standard carrier rates may apply.

4. How We Protect Your Information

We take data security seriously and implement safeguards such as:

Encryption to protect sensitive financial data. Secure servers to store personal and credit-related information. Restricted access to prevent unauthorized use or disclosure.

5. Sharing of Information

We do not sell, rent, or trade your personal data. However, we may share it with:

Credit bureaus and financial institutions for credit dispute resolution. Third-party service providers for payment processing and SMS communication. Legal authorities when required by law.

6. Your Rights & Choices

As a consumer, you have the right to:

✅ Access, correct, or delete your personal information.
✅Opt out of marketing and SMS communications at any time.

✅Request a copy of the data we have collected about you.

7. Data Retention

We retain your information only as long as necessary to provide our services, comply with legal requirements, and maintain business records.

8. Updates to This Policy

We may update this Privacy Policy periodically. Any changes will be posted on our website, and continued use of our services constitutes acceptance of the revised policy.

9. Contact Information

For privacy-related inquiries or opt-out requests, contact us at:

📧 [email protected]

📞(424) 544-3435