Last Updated January 2020
© Credit 101 LLC
Your privacy is important to Credit 101 LLC. The terms “Credit 101 LLC”, “we”, “our”, and
understand how we collect, use, disclose, transfer, and store your information. By visiting our
website or agreeing to content that includes a link to this document ("Online Ads"), you agree to
1. Our Collection and Use of Personal Information
Personal Information includes information you provide us that can be used to uniquely identify
or contact a single person, such as your name, address, email address, phone numbers and Social
You may be asked to provide Personal Information when you interact with us, Online Ads, or
one of our related companies, such as in connection with a completed or abandoned transaction
or a request for information from us. Credit 101 LLC and its related companies and service
providers may share your Personal Information with each other and use it consistent with this
We may supplement the Personal Information you provide with Personal Information available
from other sources, such as credit bureaus, public databases, data aggregators, and other
2. Examples of Personal Information We Collect and How We Use It
You may provide us a variety of Personal Information, including your name, mailing address,
email address, phone number, payment information, and Social Security Number.
The Personal Information we collect allows us to verify your identify, deliver requested
products, services and information to you, to stay in contact with you, and to manage Credit 101
LLC's relationship with you. By providing us with Personal Information, you consent to our
transfer and storage of that information.
We also may use your Personal Information for research, development, and analysis, and for
advertising, marketing, product and service offerings, security, fraud prevention, and other
We use your email address to:
● Confirm your identity;
● Send you information on the status of your account or transaction;
● Contact you if we need your assistance to complete a transaction; and
● Send you newsletters, and other customer related material as permitted by law.
We have a zero tolerance policy for email abuse. If you receive unsolicited emails from us please
report it to us. We are not responsible for communications you may receive from non-affiliated
We will never ask you to provide Personal Information in an email. DO NOT RESPOND to an
email that appears to be from us requesting Personal information. Contact us immediately at 800-
Our Collection and Use of Non-Personal Information
Non-Personal Information is information in a form that does not allow for direct association with
a specific person. This information is compiled and analyzed on both a personal and an
aggregated basis. We may collect, use, monitor, analyze, transfer, and disclose Non-Personal
Information for any purpose.
4. Examples of Non-Personal Information We Collect and How We Use It
We may collect and aggregate information regarding user access, activity and behavior on our
website, such as when you visit the website and what content is of interest or seems to be most
useful to you. If we combine Non-Personal Information with Personal Information, the combined
Non-Personal Information includes:
Device Information - We may collect specific information for the device you use to access our
website. For example, we may collect device model, IP address, MAC address, operating system
version, application software, fonts, and other device information and identifiers.
Cookies and Other Technologies - We use a variety of technologies to collect and store
information when you visit our website. This technology may involve sending web beacons and
analyze your behavior when accessing our website and to deliver ads to you that we believe
relate to your interests.
Log Information - When you visit our website, we collect certain information automatically and
store it in log files. This information includes IP address, browser version, ISP data, referring and
exit pages, operating system version, date/time stamps, cookie data, and clickstream data. We
use Log Information to administer the website, analyze trends, maintain site security, learn about
user behavior, and improve the overall quality and availability of the site.
Click-Through URLs - In some email messages, we use a Click-Through URL to link to content
on our website. When you click one of these URLs, you pass through a separate web server
before reaching our site. We use Click-Through URLs to help us determine interest in a
particular topic and to measure the effectiveness of our email communications.
Anonymized Information - If we separate Non-Personal Information from Personal Information,
the resulting Anonymized Information is treated as Non-Personal Information for purposes of
5. Our Sharing of Information with Others
We do not share Personal Information with businesses or individuals outside of Credit 101 LLC,
except under the following circumstances:
Consent - We will share your Personal Information with others outside of Credit 101 LLC when
we have your consent to do so.
Service Providers - We provide Personal Information to related companies and other trusted
businesses or persons who use, analyze, or process it on our behalf, based on our instructions and
in compliance with appropriate confidentiality and security measures. For example, we may use
● deliver, evaluate the effectiveness of, and assist in improving our products and services;
● conduct consumer research and satisfaction surveys;
● assist us in analyzing and understanding consumers and how to reach them more
● assist us in fraud prevention, with our security measures, and to provide us technical
● provide client support;
● manage client data, and to ensure data integrity and accuracy;
● process financial transactions and perform accounting functions; and
● advertise, market, or make product or service offerings;
Legal Reasons - We will share Personal Information with others outside of Credit 101 LLC if we
have a good-faith belief that disclosure is necessary or appropriate to:
● comply with applicable law, regulation, legal process or enforceable governmental
● protect our operations or clients;
● detect, investigate, or address fraud, security, or technical problems; or
● investigate potential violations of and enforce applicable terms of service;
In the event of a reorganization, merger, or sale we may transfer any and all personal information
we collect to the relevant third party.
We may share Non-Personal Information publicly and with our strategic partners. For example,
we may share Non-Personal Information to describe the size and success of our firm.
6. Transparency and Choice
We may use third-party display advertising companies, including Google, to serve Credit 101
inform, optimize, and serve ads based on your past visits to our website.
You may find additional information, opt-out of, or otherwise customize display advertising
from Google or DoubleClick by visiting Google's Ads Preference Manager.
You may find additional information and opt-out of other participating third-party display
advertising by visiting the Network Advertising Initiative opt-out page.
We may use third-party analytics companies, including Google Analytics and Omniture to
analyze and understand user behavior when visiting our website.
You may find additional information and opt-out of Google Analytics by visiting the Google
Analytics opt-out browser add-on.
You may find additional information and opt-out of Omniture Analytics by visiting the Adobe
You also may disable cookies within your browser. Please note, however, that certain features of
the Credit 101 LLC website will not function properly or be available once cookies are disabled.
7. Social Media Plug-ins
Plug-ins for social networks, such as Facebook, Twitter, LinkedIn, Yahoo, Windows and Google
plus (among others), are integrated on Credit 101 LLC's website.
By interacting with us through a social media plug-in, certain information will be transmitted to
the related social network, and you permit us to have on-going access to information from your
social network profile.
If you do not want the social network to collect information about you, or to share it with Credit
and/or log out of the relevant social network before you visit our site.
8. Information Security and Retention
We takes precautions to safeguard your Personal Information from loss, theft, and misuse, as
well as unauthorized access, disclosure, alteration, and destruction. These precautions include
technical, physical, and administrative procedures.
Because email and instant messaging are not recognized as secure communications, we request
that you not send private information to us by email or instant messaging services.
We are committed to working with appropriate regulatory authorities to resolve any complaints
regarding the transfer of Personal Information that we cannot resolve with you directly.
We use Secure Sockets Layer (SSL) encryption on all pages where Personal Information is
collected. This protects the confidentiality of your Personal Information while it is transmitted
over the Internet.
For your own protection, you should exercise care with the information you share over the
Internet. You should always use a secure browser and exercise good judgment in using
passwords, such as using a combination of upper and lower case letters, numbers, special
characters, and you should avoid using the same or similar passwords across multiple sites. We
recommend using a password between 12 and 16 characters long.
You may access your Personal Information by logging into your account. We make good-faith
efforts to give you ways to update or to delete your Personal Information quickly, unless we need
to keep that information for a legitimate business or legal purpose. Some changes require
personal contact with an assigned Credit 101 LLC representative.
We retain Personal Information and Non-Personal Information for the time necessary and
is required or permitted by law or ethical duties, including our duty to preserve case files for a
reasonable time and relevant information necessary to preserve a legal claim or defense. Our data
retention for such information is seven (7) years.
We may reject requests to change or delete information that are unreasonably repetitive, require
disproportionate technical effort (for example, requiring the development of new systems or
fundamental changes to existing systems), risk the privacy of others, or would be extremely
impractical (such as information stored on backups).
We work to protect data from accidental or malicious destruction. Accordingly, we may not
immediately delete or change residual copies and we may not delete or change information from
our backup systems. Unless a disproportionate effort is required, we will provide information
access and correction without charge.
9. Third Party Privacy Policies
This policy does not apply to the practices of companies that we do not own or control or to
people that we do not employ or manage. We do not control the privacy policies of third parties,
and you are subject to the privacy policies of those third parties where applicable. We encourage
you to ask questions before you disclose your personal information to others. For more
We do not knowingly collect Personal Information from children under 13. If we learn that we
have collected the personal information of a child under 13, we will take steps to delete the
Personal Information as soon as possible.
posted on our website, with a corresponding revision date. Please check the website and Online
Ads each time you use them for the most current information, and to ensure that you are aware of
12. Request for Information
Should you no longer wish to receive our emails, you may click on the unsubscribe link located
in the footer of each email received or at email-preferences.
13. State Privacy Protections
You have the right to know we will be collecting and maintaining personal information including
credit report data to assist you with credit repair and maintenance services. We collect this
information from you, credit bureaus, public databases, data aggregators, and other commercially
available sources. The categories of this personal information include:
● Personal identifiers to authenticate your identity and obtain credit reports you have
● Credit report data to assist with identifying and challenging unfair, unsubstantiated, and
● Internet/Network activity to inform, optimize, and serve ads based on your past visits to
our website (see, infra section 6. Transparency and Choice for additional information);
● Audio and electronic information (to record your agreements and authorizations given
over the phone or through our web pages).
We do not sell, and will not sell, any of your personal information without obtaining your
specific consent, including personal information of minors under age 16. Because we do not sell
PI without your express consent, we are not obligated to include the “Do not sell my personal
information” link on our site’s homepage.
We will share your personal information with our service providers when it is necessary to
process your requests, maintain your case, or report to credit bureaus or your creditors. You have
the right to request the following up to two times in a 12-month period:
● The categories of personal information we have collected about you in the past 12
● The categories of sources from which we collect personal information;
● The business purpose for collecting or selling personal information;
● The categories of third parties with whom we share personal information;
● The specific personal information we have collected about you in the past 12 months;
● The categories of personal information that we sold about you and the categories of third
parties to whom the personal information was sold in the past 12 months, or verification
that no personal information was sold;
● The categories of personal information we disclosed about you for a business purpose in
the past 12 months, or verification that no personal information was disclosed.
In addition, California residents have the following rights: (1) the right to request that Personal
Information be deleted, subject to various exceptions including matters governed by the Gramm-
Leach-Bliley Act (GLBA) or to comply with a legal obligation whether of general or specific
applicability; (2) the right to request that Personal Information not be sold to third parties, if
applicable; and (3) the right not to be discriminated against in light of choosing to exercise any
of these rights.
To exercise any of these rights, contact us:
● by e-mailing
● by calling 800-658-5612
● by writing Credit 101 LLC, Data Requests, 2933 W. Cypress Creek RD STE 201E Fort
Lauderdale, FL 33309
When you make any of the above requests, we will verify your identity and right to request the
information by asking you for information we can match with our records such as your name,
phone number, Social Security Number, or date of birth. We may also verify you using your
system login or other reasonable authentication service such as knowledge based authentication.
We will provide the requested information within 45 days of the request in most cases. If we
need additional time to complete your request, we will notify you within the first 45 days and
may take an additional 45 days to complete your request.
You may authorize an agent to make a request under these rights on your behalf by completing a
notarized Agent Authorization Form and mailing it to us at the address above.
By exercising your rights, you will not be denied services, provided a lesser level or quality of
service, or charged a different price for services, including through discounts, benefits, or
penalties unless the price difference is reasonably related to the value provided to you by your
data. However, if you exercise your right to have your personal information deleted, we will not
be able to continue to provide service, as our services are dependent on that personal
Please note that whereas Credit 101 LLC provides credit counseling services, it is subject to
obligations pursuant to the GLBA. The GLBA includes several definitions that will govern
relevant privacy matters. Consequently, the terms “nonpublic personal information” or
“personally identifiable financial information”, for example, will pre-empt the CCPA’s
definitions of “personal information”, “sale”, or other important terms defined by the GLBA for
matters involving services provided by Credit 101 LLC, its service providers, or agents.