Privacy Policy

Last Updated: March 22, 2021
Credit Garage, LLC, and our affiliated businesses (collectively, “Credit Garage,” “we,”
“our”) are committed to being responsible custodians of the personal information that we
collect in the course of operating our business as a provider of credit repair and other
services for clients.

This Privacy Notice (“Notice”) describes how we collect, use, share, or otherwise
process personal information as a data controller in the course of operating our
business, particularly in association with our marketing and business development
practices and the operation of our main website (www.creditgarage.com), and our other
digital properties that may link to this Notice, including any other websites, social media,
mobile applications, and/or digital communications (collectively, “Digital Services”).
While we may also process personal information during our representation of a client,
such processing is performed on behalf of and at the direction of our client, subject to
our client agreements, and is not covered by this Notice.

“Personal information” as used in this Notice means information that identifies, relates
to, describes, or can reasonably be linked, directly or indirectly, to a specific natural
person. It does not include information that is considered anonymous, de-identified, or
aggregated by applicable law.
This Notice covers the following topics:
1. The Types of Information We Collect
2. How We Use the Information We Collect
3. How We May Share the Information We Collect
4. Grounds for Processing Your Information
5. Third-Party Services and Content
6. Protection and Storage of the Information We Collect
7. Your Choices and Rights
8. How to Contact Us
9. Changes to this Privacy Policy
10. Cookies Practices
1. The Types of Information We Collect
The types of personal information we collect about you depend on your interactions with
us and are described below.
Information You Provide to Us

We collect personal information that you provide to us. For example, we may collect
personal information when you contact us, request that we send you any newsletters or
other materials, register for a webinar or event, fill out a form, respond to a survey,
comment on a blog, or otherwise communicate with us.
Depending on the context of your interactions with us, the categories of personal
information we may collect from you include:
 Unique Identifiers that we can use to identify you as a unique individual, such as
your name, telephone number, postal or e-mail address, social media identifiers,
signature, and government issued identification numbers (such as your social
security number or passport number). If you have registered with a Digital
Service, we may also collect your account username and password.
 Credit Card and other Payment Information that we can use to process your
payments to us if you are a client or customer, including but not limited to credit
card numbers, expiration dates, PIN codes and bank account information.
 Demographic Information, which may include sensitive personal information or
information about protected classifications, such as your age, gender, race,
sexual orientation, marital status, or veteran status.
 Professional and Educational Information related to your occupation, such as
your current or previous employers, your job title, or other information about the
organization with which you are affiliated. You might also provide information
about your professional qualifications or your education, such as degrees, fields
of study, the institutions you’ve attended, languages, professional memberships,
qualifications, and certifications.
 Geolocation Information, such as your city, state or province, and country. When
you access the Digital Services, we may collect precise geolocation information if
you permit the Digital Services to access such information so that we may
provide you with content based on your location and your proximity to our offices.
 Audio and Visual Information, such as your voice and likeness as captured in
photographs, video, or audio recordings if you attend our events, visit our offices,
or leave us a voicemail.
 User Content, such as comments or other material you post to our social media
pages, blogs, or other forums on our Digital Services.
 Preferences, such as your stated interests, how frequently you wish to receive
our newsletters, or other communications.
 Any other information you choose to provide.
You generally can use our Digital Services without providing us with personal
information, though we may still collect personal information automatically as described
in the next section.

Information We May Collect Automatically or Generate

We may automatically collect and generate information from and about you when you
interact with us or our Digital Services, which may include the following categories of
personal information:
 Unique Identifiers: We might automatically collect information that uniquely
identifies you or the device through which you interact with our Digital Services,
such as your name, e-mail address, username, social media identifiers, IP
address, and device and mobile advertising identifiers.
 Device Information: We might automatically collect information pertaining to the
device through which you interact with our Digital Services, such as the type of
device used to interact with the Digital Services, that device’s operating system
and version, your browser type.
 Interaction Information: We might automatically collect information about your
interaction with our Digital Services, such as the content you view and features
you access on our Digital Services, the pages you view immediately before and
after you access our Digital Services, whether and how you interact with content
available on our Digital Services, and the search terms you enter on our Digital
Services. We might also collect information about the events and materials in
which you have indicated interest or for which you have registered or requested.
 Geolocation Information: We might automatically collect information regarding
your location, such as your ZIP code, city, state or province, country, or general
geographic location as derived from your device data (such as your IP address).
 Inferences drawn from your interactions with our Digital Services, the events you
choose to attend, or any of the other personal information available to us.
 We and our service providers or third parties engaged on our behalf may use
cookies and similar tracking technologies (collectively, “Cookies”) to collect
information from and store information on your device when you use, access, or
otherwise interact with our Digital Services. For information about how we use
Cookies and the choices you may have, please see our Cookies Practices in
Section 10 below. We do not currently respond to “Do Not Track” signals.
Information We Collect From Other Sources
We may obtain personal information from other sources, such as our clients,
employees, or business partners, or from business contact databases and enrichment
services. We may also receive information about you from social media platforms, such
as when you interact with us on those platforms or access our social media content. We
may collect information about you from publicly available sources, such as public social
media profiles, publications, and other websites or materials available through search
engines.

We may collect the following categories of information from these other sources:

 Unique Identifiers, such as name, telephone number, postal or e-mail address,
social media identifiers, and device and mobile advertising identifiers.
 Professional and Educational Information about your occupation and professional
activities, such as professional licenses held, employers, business contact
information, or information about your education, such as your degrees, fields of
study, institutions attended, languages, professional memberships, qualifications,
and certifications.
 User Content you post or make available online, such as your social media posts
or publications.
2. How We Use The Information We Collect
We may use the information we collect for the various purposes, including:
 To respond to your inquiries or communications.
 To provide you with our services, including but not limited to billing, credit card
processing, payment, scheduling, credit monitoring and general customer
service.
 To operate, troubleshoot, and improve the Digital Services.
 To send you newsletters, legal updates, marketing communications, and other
information or materials that may interest you about us or our Related Entities.
 To send you text messages or voicemail drops.
 To expand and maintain our list of contacts.
 To manage your online account(s) with our Digital Services and send you
technical notices, updates, security alerts, and other administrative messages.
 To understand how people use our services, including by generating and
analyzing statistics.
 For Credit Garage’s business purposes, including internal administration, data
analysis, billing, and detecting, preventing, and responding to actual or potential
fraud, illegal activities, or intellectual property infringement.
 To advertise, provide, and assess the effectiveness of our events, promotional
campaigns, publications, and services.
 As we believe reasonably necessary or appropriate to comply with our legal
obligations, to respond to legal process or requests for information issued by
government authorities or other third parties, or to protect your, our, or others’
rights.
We may use anonymous, de-identified, or aggregate information that does not
reasonably identify you for any purpose, as permitted by applicable law.

3. How We May Share the Information We Collect
Credit Garage does not sell your personal information. We also do not share personal
information that reasonably identifies you with third party entities for their independent
use except when we have your permission, are doing so at your direction, as needed to
comply with our legal obligations, as permitted by applicable law, or as otherwise
described in this Notice. However, we may share your personal information among our
former, current and future subsidiaries, affiliates, business partners and related entities
(whether directly or indirectly related) (collectively, “Related Entities”).
We may also disclose the categories of information we collect to the following
categories of recipients in furtherance of the purposes described above:
 Our Related Entities: We may share information with our Credit Garage offices
and Related Entities located in jurisdictions around the world for any of the
purposes listed in this Privacy Notice (including but not limited to instances in
which such Related Entities are acting on behalf of Credit Garage or
themselves).
 Our service providers: We may share information with third parties that perform
services on our behalf, including but not limited to web-hosting companies,
mailing vendors, analytics providers, event hosting services, and information
technology providers.
 Law enforcement, government authorities, or third parties with legal rights: We
may share information as may be permitted or required by the laws of any
jurisdiction that may apply to us, as provided for under contract, or as we deem
reasonably necessary to provide legal services. In these circumstances, we
strive to take reasonable efforts to notify you before we disclose information that
may reasonably identify you or your organization, unless prior notice is prohibited
by applicable law or is not possible or reasonable in the circumstances.
 Parties in connection with a business transaction: We may share information
with service providers, advisors, potential transactional partners, or other third
parties in connection with the consideration, negotiation, or completion of a
transaction, including but not limited to transactions in which we are acquired by
or merged with another company or we sell, liquidate, or transfer all or a portion
of our assets, as well as any bankruptcy or corporate reorganization or other
commercial transaction.
 Others with your consent or at your direction, including if we notify you that your
information may be shared and you provide such information or if you use Credit
Garage to interact with a third party. For example, we may share your name and
contact information with a business partner who co-sponsors an event you attend
or publication you sign up for or with a social media service if you share or like
our content.

We may share anonymous, de-identified, or aggregate information that cannot
reasonably identify you with others for any purpose, as permitted by applicable law.
Please note that any personal information that you post to a profile, blog, comment
section, or forum on our Digital Services or social media pages may be available to
other users of those forums or, in some cases, made publicly available.
4. Grounds for Processing Your Information
Certain jurisdictions require businesses such as Credit Garage to have legal grounds for
processing personal information. Where applicable law requires us to justify our
processing activities, we rely on the following legal grounds:
 Performance of a contract: We may need to collect and use your personal
information to enter into a contract you or to perform a contract that you have
with us. For example, when you use our Digital Services we will use your
personal information to respond to your requests and provide you with such
services.
 Consent: Where required to expressly obtain your consent, we will do so. For
example, certain jurisdictions require us to obtain your consent to process
precise location information. To withdraw your consent to such use, you can
contact us via our Contact Us page, or, with respect to precise location
information, you may be able to disable the sharing of location information in your
browser or mobile application settings. Where required by applicable laws, we
will rely on your consent for direct marketing and to collect information from your
device or computer.
 Legitimate interests: We may use your personal information for our legitimate
interests to improve our products and services, as well as the content on our
Digital Services. Consistent with our legitimate interests and any choices that we
offer or consents that may be required under applicable laws, we may use
technical information and personal information for our marketing purposes.
 Legal obligation: We may process personal information as necessary to comply
with our legal obligations.
5. Third-Party Services and Content
Our Digital Services may include integrated content or links to content provided by third
parties (such as video materials). This Privacy Notice does not address the privacy,
security, or other practices of the third parties that provide such content.
Consistent with applicable law, we engage third parties that support the operation of our
Digital Services, such as analytics providers. These third parties may track your online
activities over time and across different websites and applications. Please see
our Cookies Practices in Section 10 below for more information about such third party
providers and your choices.

6. Protection and Storage of the Information We Collect
We use commercially reasonable administrative, technical, and physical safeguards
designed to comply with applicable legal requirements and safeguard the information
that we collect. This includes, when required by law and feasible under the
circumstances, attempting to obtain assurances from third parties that may access your
personal information (including but not limited to any hosting or other information
technology services providers) that they will attempt to protect such information with
safeguards designed to provide a level of protection equivalent to those adopted by
Credit Garage.

However, no information system can be 100% secure. We cannot guarantee the
absolute security of your information. Moreover, we are not responsible for the security
of information you transmit to us over networks that we do not control, including the
Internet and wireless networks. Nor are we responsible for the security practices of any
third-party hosting companies or other information technology services providers.
The Digital Services are controlled and operated by Credit Garage from the State of
Florida in the United States. We do not intentionally market our services to clients who
permanently reside outside of the United States. We may store the information we
collect in the United States or in other countries where we or our service providers have
facilities (for example, if a services provider stores backup data offshore). We may
transfer information to countries outside of your country of residence, which may have
data protection laws and regulations that differ from those in the United States.
7. Your Choices and Rights
Marketing Communications. If you no longer wish to receive marketing communications
from us, you can let us know by contacting us using the information available in the How
to Contact Us section below. Our digital marketing communications may provide
unsubscribe or opt-out mechanisms that allow you to modify your communications
preferences. Please note that if you opt-out of marketing communications, we may still
contact you with non-promotional communications, such as those about ongoing
business relations or administrative messages.
Cookies. For information about the choices you may have in regard to our use of
Cookies, please see our Cookies Practices in Section 10 below.
Geolocation Data. If you have previously consented to sharing precise geolocation
information with our Digital Services, you can choose to stop the collection of this
information at any time by changing the preferences on your browser or mobile device
settings.
Push Notifications/Alerts. If you have permitted one of our mobile applications to send
you push notifications or alerts, you can deactivate these messages at any time in the
notification settings on your mobile device.

Privacy Rights. We do not intentionally market to individuals located in the European
Union, or otherwise located outside of the United States, and we do not attempt to
comply with the EU General Data Protection Regulation. Nonetheless, you may have
certain rights with respect to your personal information, including, for example, the rights
to:
 Request access to certain personal information of yours that we process.
 Update or correct your personal information if you believe it is incomplete or
inaccurate.
 Erase or delete your personal information, subject to certain exceptions under
local law.
 Object to our processing of your personal information or otherwise restrict our
processing activities.
 Restrict certain transfers of your personal information to third parties.
 Withdraw your consent to processing, where we base our processing of your
personal information on consent.
 Not be denied goods or services for exercising your rights under applicable law.
 Complain to your local supervisory authority.
You can exercise your rights (if applicable) by submitting a request through our Contact
Us page or emailing us at info@creditgarage.com.
8. How to Contact Us
We welcome your inquiries and comments. If you would like to contact us with
questions about our privacy, data protection or cookies practices, please contact our us
at info@creditgarage.com or send us an email via our Contact Us page.
9. Changes to this Privacy Notice
We may update this Notice periodically, and will revise the date at the top of this Notice
to reflect the date when such update occurred. Any changes to this Notice become
effective upon posting. It is your obligation to routinely check this Notice to determine if
any changes may be applicable to you.
10. Cookies Practices
Cookies and Online Tracking Technologies

Web Browser Cookies

A web browser cookie is a small text file that is sent by a website to your computer or
mobile device where it is stored by your web browser. Web browser cookies may store
information such as your IP address or other identifier, your browser type, and
information about the content you view and interact with on digital services. By storing
such information, web browser cookies can remember your preferences and settings for
online services and analyze how you use online services.
Tracking Technologies: Web Beacons/Gifs, Pixels, Page Tags, Script
Emails, websites and mobile apps may contain small transparent image files or lines of
code to record how you interact with them. This information is used to help website and
app publishers better analyze and improve their services.
Tracking Via Mobile Apps
When you use mobile applications, unique identifiers associated with your device (such
as the device ID and IP address), your activity within the App, and your network location
may be recorded. This information may be used to analyze, improve and customize
digital services.

How We Use Cookies and Tracking Technologies

We use some cookies and tracking technologies for purposes that are strictly
necessary for your use of our Digital Services and for marketing purposes. These may
include, for example, cookies that remember your preferences and settings; which
remember information that you may enter online (so that it does not have to be re-
entered every time you move to another page); or to keep you logged in to portals that
we may offer where you wish this to happen.
We may also use cookies and tracking technologies for other purposes, such as the
generation of aggregate statistics about how people use our Digital Services; for error
management and troubleshooting; to help you share content with others; to enable you
to receive information about other products and services, and to improve your
experience of the Digital Services.

Performance cookies

Where you have permitted the use of performance cookies, we may use Google
Analytics to collect statistical information about how our Digital Services are used.
Google Analytics services involve the use of cookies that collect information such as
your IP address or other identifiers, browser information, and information about the
content you view and interact with to record how you use our Digital Services.
These analytics services help us to know how many users we have, which parts of our
sites are most popular, what browsers are used (so we can maximize compatibility), the
country or region where our users are located, and the demographics and interests of
our users. This enables us to better understand who is using our Digital Services and to
improve how we present content on the Digital Services.
Google Analytics cookies may retain information for up to two years. For more
information about Google Analytics services, please contact Google.
Functional cookies
These cookies enable us to provide enhanced functionality and personalization. They
may be set by us or by third-party providers whose services we have added to our
pages. If you do not allow these cookies then some or all of the Digital Services may not
function properly.
Advertising cookies
We may give you the option to share content from the Digital Services on social
networks or other communications channels. To support this, we may link to third
parties that provide content sharing services and who may set cookies or other tracking
technologies on your computer or device. The third parties’ use of your information,
including their deployment of cookies and tracking technologies, is subject to the third
party’s privacy policy—not ours.
Certain features on the Digital Services, for example embedded videos or podcasts,
may be offered by or direct you to third parties when you use the feature. Third parties
may obtain information about you when you use such features. The third parties’ use of
your information, including their deployment of cookies and tracking technologies, is
subject to the third party’s privacy policy—not ours.

Managing Cookies and Local Storage on Your Device

If you wish, you can also choose how web browser cookies are handled by your device
via your browser settings. Some devices allow you to control this through your device
settings. If you choose not to receive cookies at any time, websites may not function
properly and certain services will not be provided. Each browser and device is different,
so check the settings menu of the browser or device to learn how to change your
settings and cookie preferences.