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PRIVACY POLICY

Effective Date: January 1, 2025

IMPORTANT NOTICE REGARDING TEXT MESSAGING DATA

We are using DBA as The Credit Que does not share customer opt-in information, including phone numbers and consent records, with affiliates or third parties for marketing, promotional, or unrelated purposes. All text messaging originator opt-in data is kept strictly confidential.

1. Information We Collect

We are using DBA as The Credit Que may collect the following categories of information:

Personal Information

  • Name

  • Email address

  • Phone number

  • Mailing address

  • Payment and billing information

  • Communication opt-in records and consent timestamps (SMS, email, phone)

Non-Personal Information

  • IP address

  • Browser type

  • Device and operating system information

  • Website usage data and analytics

  • Referral sources

  • Cookies and similar tracking technologies

Client & Service Information

  • Records of inquiries, consultations, and service requests

  • Appointment details and service preferences

  • Information voluntarily provided during onboarding or service delivery

2. How We Use Your Information

We are using DBA as The Credit Que uses collected information to:

  • Provide, operate, and improve our services

  • Process transactions and payments

  • Communicate regarding appointments, service updates, and support

  • Maintain records of consent and communication preferences

  • Enhance website functionality and user experience

  • Prevent fraud and maintain platform security

  • Comply with legal and regulatory requirements

3. SMS Messaging & Compliance

Program Overview

By opting into SMS communications from We are using DBA as The Credit Que, you agree to receive text messages related to your services, including appointment reminders, status updates, document requests, and customer support communications.

Opt-In & Consent

  • Messages are sent only to users who have explicitly opted in

  • Consent is collected through web forms, written agreements, or digital acknowledgment

  • Timestamped opt-in records are securely maintained

Opt-Out Instructions

You may opt out at any time by replying “STOP.”
A confirmation message will be sent, and no further messages will be delivered unless you re-opt in.
Opt-out requests are processed promptly.

Message Frequency & Content

  • Message frequency varies based on your service engagement

  • Messages are service-related and not promotional unless separately authorized

Help & Support

Reply “HELP” for assistance.

Carrier Information

  • Message and data rates may apply

  • Wireless carriers are not responsible for delayed or undelivered messages

SMS Data Protection Statement

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information may be shared with subcontractors solely for operational support (such as customer service or message delivery). Text messaging opt-in data and consent records are never sold or disclosed.

4. Information Sharing & Disclosure

We are using DBA as The Credit Que does not sell or rent personal information.

Information may be shared with:

  • Service providers assisting with payment processing, scheduling, messaging delivery, or operational support

  • Legal authorities when required by law

  • Business transfers such as a merger, acquisition, or sale of assets

Text messaging opt-in data and consent records are excluded from all sharing categories except authorized messaging service providers.

5. Data Security

We are using DBA as The Credit Que implements reasonable administrative, technical, and physical safeguards, including:

  • Encryption of sensitive data

  • Access controls and authentication protocols

  • Regular security assessments

  • Staff training on data protection

  • Secure backup and disaster recovery procedures

6. Cookies & Tracking Technologies

Cookies and similar technologies are used to:

  • Analyze site traffic and performance

  • Remember user preferences

  • Improve website functionality

7. Your Rights & Choices

You may:

  • Request access to, correction of, or deletion of your personal information

  • Opt out of email communications by using the unsubscribe link

  • Opt out of SMS messages by replying “STOP”

  • Withdraw consent for future communications

8. Third-Party Links

Our website may contain links to third-party websites. We are using DBA as The Credit Que is not responsible for their privacy practices.

9. Policy Updates

This Privacy Policy may be updated periodically. The most current version will always be available on our website.

10. Contact Information

We are using DBA as The Credit Que

Phone number +19726283544

Email address lorenzo@ltrfinancialservices.com