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Privacy Policy

Credit & Go Privacy Policy

Last Updated: March 2024

© Credit & Go

Protecting your privacy is a priority for Credit & Go. Throughout this document, references to “Credit & Go,” “we,” “our,” and “us” pertain to Credit & Go. Please carefully review our Privacy Policy to understand how we collect, use, disclose, transfer, and safeguard your information. By accessing our website or agreeing to content containing a link to this document (“Online Ads”), you agree to abide by the practices outlined in this Privacy Policy and our Terms of Use. (For specific state privacy protections, refer to Section 13 of this Privacy Policy).

1. Collection and Use of Personal Information

Personal Information pertains to data provided by you that uniquely identifies or enables communication with an individual, such as name, address, email address, phone numbers, Social Security Number, or Taxpayer Identification Number.

You may be prompted to furnish Personal Information when interacting with us, Online Ads, or our affiliates, whether in connection with a transaction or information request. Credit & Go, its affiliates, and service providers may share your Personal Information amongst themselves, utilizing it in accordance with this Privacy Policy.

We may augment the Personal Information you provide with data from other sources, such as credit bureaus, public databases, data aggregators, and commercially-available sources. Examples of Personal Information and Sensitive Personal Information We Collect and How We Use It

You provide various types of Personal Information, including but not limited to your name, mailing address, email address, phone number, and payment details. Sensitive Personal Information, such as your Social Security Number or Taxpayer Identification Number, may also be collected. Throughout this document, both categories will be referred to collectively as Personal Information unless specifically distinguished when necessary.

The Personal Information we collect enables us to authenticate your identity, fulfill requested products and services, provide information and offers from Service Providers and Related Companies, maintain communication with you, and manage our relationship with you. By providing your Personal Information, you consent to its transfer and storage as outlined herein.

Text or SMS Notices

If you consented to receive text or SMS notifications by replying “AGREE,” you allow us to send recurring text messages containing updates to your account and credit status. These messages may originate from an auto-dialing system, with standard message and data rates applicable. To discontinue receiving these messages, text STOP to 45424. For assistance, text HELP to 45424 or email support at info@creditandgo.us. Participation is voluntary and not obligatory for service purchase. Supported carriers include Alltel, AT&T, Boost, T-Mobile®, Verizon Wireless, Virgin Mobile, MetroPCS, and U.S. Cellular. Carriers are not liable for delayed or undelivered messages.

Email

We may utilize your Personal Information for research, development, analysis, advertising, marketing, security, fraud prevention, and other business endeavors.

For instance, we may employ your email address to:

Confirm your identity,

  • Provide updates on your account or transaction status;
  • Seek your assistance to finalize a transaction;
  • Dispatch newsletters, third-party marketing offers from service providers and related companies, and other customer-related communications as permissible by law.
  • We maintain a zero-tolerance policy towards email abuse. If you receive unsolicited emails purportedly from us, kindly report them to us. We disclaim responsibility for communications received from non-affiliated third parties.

We will never solicit Personal Information via email. DO NOT RESPOND to any email purporting to be from us requesting Personal Information. Immediately contact us at 245 253 2125.

Collection and Use of Non-Personal Information

Non-Personal Information denotes data in a format that does not facilitate direct association with a specific individual. This information is compiled and analyzed both individually and in aggregate. Non-Personal Information may be collected, utilized, monitored, analyzed, transferred, and disclosed for various purposes.

2. Examples of Non-Personal Information We Collect and How We Use It

We may gather and aggregate information concerning user access, activity, and behavior on our website, including visitation patterns and content engagement. Combining Non-Personal Information with Personal Information renders the combined data subject to the regulations outlined in this Privacy Policy.

Non-Personal Information encompasses:

Device Information – Specific details pertaining to the device used for website access, such as device model, IP address, MAC address, operating system version, application software, and other identifiers.

Cookies and Other Technologies – Various technologies are employed to collect and store information during website visits. This includes employing cookies or anonymous identifiers to track user interactions, preferences, and browsing patterns.

Log Information and Session Replay Technology – Information is automatically collected and stored in log files upon website visitation, including but not limited to IP address, browser version, ISP data, page navigation details, and timestamp data.

Web Beacons – Certain sections of our service and emails may contain web beacons facilitating user activity tracking and website performance analysis.

Click-Through URLs – Email communications may contain Click-Through URLs to gauge user interest and email communication effectiveness.

Anonymized Information – When Non-Personal Information is dissociated from Personal Information, resulting data is treated as Non-Personal Information as per this Privacy Policy.

Sharing of Information with Others

3. Personal Information

We refrain from sharing Personal Information with entities outside Credit & Go, except under the following circumstances:

Consent – Personal Information may be shared with external entities upon obtaining your explicit consent.

Service Providers – Personal Information may be provided to affiliated companies and trusted third parties for analysis, processing, or utilization in accordance with our instructions and confidentiality measures.

Legal Obligations – Personal Information may be disclosed to external entities if deemed necessary to comply with applicable laws, regulations, legal processes, or enforceable governmental requests, protect our operations or clients, investigate fraud or technical issues, or uphold terms of service.

In the event of a corporate reorganization, merger, or acquisition, Personal Information may be transferred to relevant third parties.

4. Non-Personal Information

We may publicly share Non-Personal Information and data with strategic partners for various purposes, including but not limited to describing the firm’s size and success.

5. Transparency and Choice

We may engage third-party display advertising firms, such as Google, to serve ads on our behalf across the internet. These ads may be customized based on past interactions with our website, utilizing cookies to optimize ad delivery.

Additional information, opt-out options, or customization of display advertising can be accessed through Google’s Ads Preference Manager.

Opt-out mechanisms for other participating third-party display advertisers can be explored via the Network Advertising Initiative opt-out page.

We employ third-party analytics companies, including Google Analytics, Adobe, and Omniture, to analyze and comprehend user behavior on our website.

Additional information and opt-out opportunities for Google Analytics can be accessed through the Google Analytics opt-out browser add-on.

For Adobe Analytics, opt-out options are available on the Adobe opt-out page.

Users retain the option to disable cookies within their browser settings. Note that certain website features may be impaired or unavailable if cookies are disabled.

6. Social Media Plug-ins

Plug-ins for social networks, such as Facebook, Twitter, LinkedIn, Yahoo, Windows and Google plus (among others), are integrated on Lexington’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 Lexington and other third parties, please review the privacy policy of the relevant social network and/or log out of the relevant social network before you visit our site.

7. Information Security and Retention

We take 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 regularly review our compliance with our Privacy Policy and enforce safeguards within the company.

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 Lexington representative.

We retain Personal Information and Non-Personal Information for the time necessary and reasonable to fulfill the purposes outlined in the Privacy Policy, unless a longer retention period 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.

8. Third Party Privacy Policies

This Privacy Policy only addresses the use and disclosure of information we collect from you. 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 information about each such third party, please refer to the third party’s privacy policy.

If you provided your information on the website of an entity not related to Credit & Go, and that entity shared your information with us, the privacy policy of that website governs the non-related entity’s use of your information, which may be different from this Policy.

9. Children

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.

10. Privacy Policy Changes and Questions

We may update our Privacy Policy from time to time. Changes to this Privacy Policy will be 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 any updates.

12. Request for Information

If you have any questions or concerns about this Privacy Policy, please contact us:info@creditandgo.us

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 preferences state-privacy-policy

13. State Privacy Protections

What personal information we collect

Categories of personal information we have collected about consumers in the past 12 months.
  • Personal identifiers
  • Credit report data
  • Audio and electronic information, including the use of online session replay technology
Categories of sensitive personal information we have collected about consumers in the past 12 months.
  • Social Security Numbers
  • Taxpayer Identification Numbers
Categories of sources of the personal information we have collected.
We collect this information from you, credit bureaus, public databases, data aggregators, and other commercially available sources.
What we use it for
Business purpose for collecting personal information and sensitive personal information.

We use personal identifiers to authenticate identity and obtain requested credit reports. We use credit report data to assist with identifying and challenging unfair, unsubstantiated, and inaccurate items. We use internet/network activity to inform, optimize, and serve ads based on past visits to our website. We use audio and electronic information to record verbal agreements and authorizations given over the phone or through our web pages. We collect and maintain personal information including credit report data to assist with credit repair and maintenance services.
We limit our use of sensitive personal information. We do not use or disclose sensitive personal information for purposes other than:

  • To perform the services or provide the goods reasonably expected by you;
  • To detect security incidents that compromise the availability, authenticity, integrity, and confidentiality of stored or transmitted personal information;
  • To resist malicious, deceptive, fraudulent, or illegal actions directed at the business and to prosecute those responsible for those actions;
  • To ensure the physical safety of natural persons;
  • For short-term, transient use, including, but not limited to, non-personalized advertising shown as part of a consumer’s current interaction with the business;
  • To perform services on behalf of us, such as maintaining or servicing accounts, providing customer service, verifying your information, processing payments, and providing analytic services; and To verify or maintain the quality or safety of a service or device that is owned or controlled by us, and to improve, upgrade, or enhance that service or device.
How long we retain it
An estimate of how long we may or will maintain consumer’s personal information.
We may store your personal information in accordance with legal record retention requirements which may be up to seven years after your account (or case) is closed.
To whom do we sell it or share it
Categories of personal information, if any, that we have sold or shared to third parties in the preceding 12 months.
We have not sold or shared personal information in the past 12 months. We do not sell or share any of your personal information to third parties without obtaining your specific consent.
Categories of third parties to whom the information was sold or shared.
None
Business purpose for selling or sharing personal information.
None
Actual knowledge of selling or sharing personal information of consumers under 16 years of age.
None
To whom we disclose it for business purposes
Categories of personal information, if any, that we have disclosed for a business purpose to third parties in the preceding 12 months.
  • Personal identifiers
  • Credit report data
  • Internet/Network activity
  • Audio and electronic information
  • Social Security and Taxpayer Identification Numbers
Categories of third parties to whom the information was disclosed.
  • Credit bureaus
  • Creditors
  • Account servicing providers
Identification of the specific business purpose for disclosing personal information.
We will disclose your personal information with our service providers only when it is necessary to process your requests, maintain your case, or communicate with credit bureaus or your creditors on your behalf.
How we verify and authenticate you
How we verify your request to know, delete, or correct personal information.
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, and/or date of birth. We may also verify you using your system login or other reasonable authentication service such as knowledge-based authentication.

You have the right to request the following up to two times in a 12-month period:

In addition, you have the following rights:

  1. You have the right to know the following
  • The categories of personal information we have collected about you;
  • The categories of sources from which the personal information is collected;
  • The business or commercial purpose for collecting, selling, or sharing personal information;
  • The categories of third parties to whom we disclose personal information; and
  • The specific pieces of Personal Information we have collected about you.
  1. You have the right to correction of inaccurate personal information
  2. You have 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. 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 information;
  3. You have the right to request that personal information not be sold to or shared with third parties, if applicable and the right to know the categories of persons to whom it was disclosed for a business purpose; and
  4. You have the right not to be discriminated against in light of choosing to exercise any of these rights.

To exercise any of these rights, or for questions or concerns about our privacy policies or practices, contact us:

  • Data Requests form (for exercising data privacy rights only)
  • by calling 245 253 2125

When you make any of the above data requests, 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 submitting it with your Data Request web form or mailing it to us at Lexington Law Firm, Data Requests, No 22. Market Rd, California

By exercising your rights, you will not be discriminated against by:

  1. being denied services, 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 information;
  2. suggesting or providing a lesser level or quality of service;
  3. charging 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: or
  4. Retaliating against an employee, applicant, or contractor.

Please note that whereas Lexington Law Firm 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 Lexington Law Firm, its service providers, or agents.

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