Privacy Policy

Credit Physicians ("Credit Physicians," "we," "us," or "our") respects your privacy. This Privacy Policy explains what personal information we collect, how we use and share it, the choices you have, and how we protect it when you visit our website, contact us, or use our credit-health advisory services.

1. Who we are

Credit Physicians is a credit-health advisory practice based in Doral, Florida, serving clients in English and Spanish. We help people understand what is on their credit reports and work with them on healthy, lawful credit habits. We provide our services through personal consultations with our specialists and through a secure client portal.

2. Information we collect

We collect personal information in a few different ways:

Information you give us directly

• Contact details — your name, phone number, email address, mailing address, and preferred language.
• Appointment and intake information — details you share when you request a free credit health checkup, schedule a consultation, or speak with a specialist.
• Documents you choose to send us — files you upload through your client portal or otherwise provide to your specialist.
• Credit report information — when you authorize it, information from your consumer credit reports so that a specialist can review and explain it with you. We collect this only with your authorization and use it only to provide our services.
• Communications — the contents of messages, emails, and call notes when you communicate with us.

Information we collect automatically

• Device and usage data — IP address, browser type, device identifiers, pages viewed, and dates/times of visits, collected through cookies and similar technologies (see Cookies & tracking).

Information from website-visitor and lead-source providers

We work with marketing and analytics providers that may help us identify and reach people who have shown interest in credit-health services — for example, by associating website activity or marketing interactions with contact information, or by providing leads from advertising, referral, and similar sources. Where this contact information is provided to us, we use it to offer our free credit health checkup and related services. We do not control, and are not responsible for, the data-collection practices of these third parties; we encourage you to review their privacy policies.

3. How we use your information

We use personal information to:

• Provide our services, including the free credit health checkup and consultations with a specialist;
• Schedule, confirm, and follow up on appointments;
• Respond to your questions and communicate with you about your account and our services;
• Contact you about services you have shown interest in, including by phone, text, and email, subject to your consent and the choices described below;
• Operate, maintain, secure, and improve our website and client portal;
• Comply with applicable laws and regulations, enforce our agreements, and protect our rights and the rights of others;
• Detect, prevent, and address fraud, security, or technical issues.

4. Calls, texts & AI voice assistant

If you provide your phone number, we may contact you by telephone call or text message about our services, appointments, and follow-ups.

• Automated and AI-assisted calls. Some of our outbound calls may be placed using automated technology, and some calls may use an artificial-intelligence (AI) voice assistant. When an AI assistant is used, it will identify itself as an AI assistant calling on behalf of Credit Physicians at the start of the call.
• Call recording. Where we record calls, we will tell you and obtain consent where required by law. We use recordings to provide and improve our services and for quality and training purposes.
• Text messages. Message and data rates may apply. Message frequency varies. You can opt out of text messages at any time by replying STOP, and reply HELP for help.
• Your choices. You may opt out of marketing calls and texts at any time, ask to be added to our internal do-not-call list, or revoke consent by contacting us using the details in How to contact us. Opting out of marketing communications will not affect messages necessary to provide a service you have requested.

5. How we share information

We do not sell your personal information for money. We share personal information only as described below:

• Service providers. With vendors who perform services for us — such as hosting, communications, scheduling, telephony, analytics, and document handling — under contracts that require them to protect your information and use it only for the services they provide to us.
• With your direction or consent. When you ask us to share information or otherwise consent.
• Legal and safety. When required by law, subpoena, or legal process, or to protect the rights, property, or safety of Credit Physicians, our clients, or others.
• Business transfers. In connection with a merger, acquisition, financing, or sale of assets, subject to this Privacy Policy.

6. Credit services notice

Credit Physicians provides education and advisory services to help you understand your credit. We describe and explain what is on your credit report; we do not promise, guarantee, or imply any particular result, score increase, or removal of information, and we do not advise you to dispute information we believe to be accurate. You always have the right to dispute information in your credit file directly with the consumer reporting agencies and your creditors, free of charge, and to obtain your free annual credit reports. Results vary based on each person's individual situation.

7. Cookies & tracking technologies

Our website uses cookies and similar technologies to operate the site, remember your preferences, measure traffic, and support our marketing. You can control cookies through your browser settings; disabling some cookies may affect how the site works. Where required, we will request your consent for non-essential cookies. Some browsers offer a "Do Not Track" signal; because there is no common industry standard for these signals, our website may not respond to them.

8. How long we keep data

We keep personal information for as long as needed to provide our services, maintain your records, comply with our legal obligations, resolve disputes, and enforce our agreements. When information is no longer needed, we take reasonable steps to delete or de-identify it.

9. How we protect your data

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, disclosure, alteration, or destruction. These include access controls, secure transmission of information through our client portal, and limiting access to those who need it to do their work. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

10. Your privacy choices & rights

Depending on where you live, you may have the right to:

• Request access to the personal information we hold about you;
• Request that we correct inaccurate information;
• Request that we delete your information, subject to legal exceptions;
• Opt out of marketing communications;
• Withdraw consent you previously gave.

To exercise any of these choices, contact us using the details in How to contact us. We will respond consistent with applicable law and may need to verify your identity before acting on your request. We will not discriminate against you for exercising your privacy rights.

11. Children's privacy

Our website and services are intended for adults and are not directed to children under 18. We do not knowingly collect personal information from children under 18. If you believe a child has provided us personal information, please contact us and we will take appropriate steps to delete it.

12. Third-party links

Our website may contain links to third-party sites and services that we do not control. This Privacy Policy does not apply to those sites. We encourage you to review the privacy policies of any third-party site you visit.

13. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date above and, where appropriate, provide additional notice. Your continued use of our website and services after an update means you accept the revised policy.

14. How to contact us

If you have questions about this Privacy Policy or wish to exercise your privacy choices, contact us: