Privacy Policy

Credit Revolution Education Directors LLC ("CRED," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, how we use it, how we protect it, and your rights regarding your data.

By using our website at creditrevolutioneducationdirectors.net, our services, or communicating with us, you agree to the practices described in this Privacy Policy.

1. Information We Collect

Information You Provide Directly

When you contact us, book a consultation, purchase services, or place an apparel order, we may collect:

• Full name
• Phone number
• Email address
• Mailing address (for apparel orders)
• Credit-related information you voluntarily share during consultations (credit scores, account details, financial goals)
• Business information (for business credit clients)
• Payment information (processed securely through third-party payment processors — we do not store credit card numbers)

Information Collected Automatically

When you visit our website, we may automatically collect:

• IP address and approximate geographic location
• Browser type and operating system
• Pages visited, time spent, and navigation patterns
• Referring website or search terms
• Device type (mobile, desktop, tablet)

AI Chatbot Interactions

Our website includes an AI-powered chatbot ("CRED Guide"). When you use the chatbot:

• Your messages are sent to a third-party AI service (Anthropic) to generate responses
• Conversations are not stored permanently by CRED
• Do not share sensitive personal information (Social Security numbers, bank account numbers, passwords) through the chatbot

2. How We Use Your Information

We use the information we collect to:

• Provide credit repair, credit building, business credit, and financial education services
• Process apparel orders and communicate order status
• Schedule and conduct consultations
• Communicate with you about your account, services, and updates
• Improve our website, services, and customer experience
• Send marketing communications (only with your consent — you may opt out at any time)
• Comply with legal obligations

3. How We Share Your Information

We may share your information only in the following limited circumstances:

• Service providers: Third-party companies that help us operate our business (payment processors, email marketing platforms, website hosting) — only as needed to provide their services to us
• Partner referrals: If you request a referral to Take Charge Credit Consulting or another partner, we share only the information necessary to connect you (with your consent)
• Credit bureaus and creditors: When disputing items on your behalf, we communicate with Equifax, Experian, TransUnion, and relevant creditors as part of the credit repair process — only with your written authorization
• Legal requirements: If required by law, court order, or governmental regulation
• Business transfer: In connection with a merger, acquisition, or sale of assets (your data would remain subject to this Privacy Policy)

4. Data Security

We take reasonable measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include:

• SSL/TLS encryption on our website
• Secure storage of client records
• Limited access to personal information on a need-to-know basis
• Regular review of our data collection, storage, and processing practices

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to improve your browsing experience. These may include:

• Essential cookies: Required for website functionality
• Analytics cookies: Help us understand how visitors use our site (Google Analytics)

You can control cookies through your browser settings. Disabling cookies may affect some website functionality.

6. Your Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Opt-out: Unsubscribe from marketing communications at any time
• Portability: Request your data in a portable format

To exercise any of these rights, contact us at cred@credproapp.com or call (206) 507-2169. We will respond within 30 days.

7. Washington State Residents

If you are a Washington State resident, you may have additional rights under the Washington My Health My Data Act and other state privacy laws. We comply with all applicable Washington State privacy regulations. Contact us for more information about your specific rights.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we learn that we have collected information from a child under 18, we will promptly delete it. If you believe we have collected information from a minor, please contact us immediately.

9. Third-Party Links

Our website may contain links to third-party websites, services, or social media platforms. We are not responsible for the privacy practices of these third parties. We encourage you to read the privacy policies of any third-party websites you visit.

10. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes described in this Privacy Policy, or as required by law. Credit repair records are retained in accordance with federal and Washington State regulations. When your information is no longer needed, we securely delete or anonymize it.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal requirements. The "Last updated" date at the top of this page indicates when the policy was last revised. We encourage you to review this page periodically.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, contact us: