1. Introduction

Sapphire Credit Solutions ("Company," "we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you visit our website https://sapphirecreditsolutions.com/ (the "Site") or use our credit repair and financial consulting services (collectively, the "Services").

By accessing or using our Services, you consent to the practices described in this Privacy Policy. If you do not agree with our policies, please discontinue use of our Services immediately.

2. Scope and Applicability

This Privacy Policy applies to:

• Visitors to our Site
• Clients utilizing our credit repair and financial consulting services
• Individuals who interact with us through marketing, sales, or customer support channels

This policy does not govern the practices of third parties, including credit bureaus, financial institutions, or payment processors, which have their own privacy policies.

3. Information We Collect

3.1 Personal Information You Provide

We may collect the following information when you engage with our Services:

• Contact Information: Name, email address, phone number, mailing address
• Financial Information: Credit reports, credit scores, account numbers (with your explicit consent)
• Identity Verification: Date of birth, Social Security Number (SSN), driver's license number (only as required for credit disputes)
• Payment Information: Credit card details, bank account information (processed securely via PCI-compliant third-party processors)
• Communications: Records of customer service interactions, survey responses

3.2 Information Collected Automatically

When you visit our Site, we may collect:

• Device Information: IP address, browser type, operating system
• Usage Data: Pages visited, time spent on Site, clickstream data
• Cookies and Tracking Technologies: See Section 7 for details

4. How We Use Your Information

We process your information for the following lawful purposes:

4.1 Service Delivery

• To provide credit repair services, including dispute resolution with credit bureaus
• To communicate with you regarding your account and service updates
• To process payments and fulfill contractual obligations

4.2 Business Operations

• To improve our Services and develop new features
• To conduct analytics and monitor Site performance
• To prevent fraud and enhance security

4.3 Legal Compliance

• To comply with applicable laws (e.g., FCRA, GLBA, CCPA)
• To respond to lawful requests from government authorities

4.4 Marketing (With Your Consent)

• To send promotional emails (you may opt out at any time)
• To deliver targeted advertisements (see "Your Rights" for opt-out options)

5. How We Share Your Information

We do not sell your personal information. We may disclose information to:

5.1 Service Providers

• Credit bureaus (Equifax, Experian, TransUnion) for dispute resolution
• Payment processors for transaction completion
• Cloud hosting providers for data storage

5.2 Legal Obligations

• When required by law (e.g., subpoenas, court orders)
• To protect our rights or the safety of others

5.3 Business Transfers

• In connection with a merger, acquisition, or asset sale

6. Data Retention

We retain personal information only as long as necessary to:

• Fulfill the purposes outlined in this Privacy Policy
• Comply with legal obligations (e.g., FCRA requires 5-year record retention)
• Resolve disputes and enforce agreements

7. Cookies and Tracking Technologies

We use:

• Essential Cookies: Necessary for Site functionality
• Analytics Cookies: Google Analytics to understand user behavior
• Advertising Cookies: For targeted marketing (opt out via NAI Consumer Opt-Out)

You can manage cookie preferences through your browser settings.

8. Data Security

We implement:

• Encryption: SSL/TLS for data in transit
• Access Controls: Role-based permissions for staff
• Regular Audits: Security assessments to identify vulnerabilities

While we employ robust measures, no system is 100% secure. Please notify us immediately at info@sapphirecreditsolutions.com if you suspect unauthorized access to your account.

9. Your Privacy Rights

9.1 General Rights

Depending on your jurisdiction, you may:

• Request access to or deletion of your personal information
• Correct inaccuracies in your data
• Opt out of marketing communications (use "unsubscribe" link in emails)
• Withdraw consent (where processing is consent-based)

9.2 State-Specific Rights

• California Residents: CCPA grants rights to know, delete, and opt out of "sales" (we do not sell data)
• Virginia/Colorado/Connecticut Residents: Rights under VCDPA/CPA/CTDPA
• Nevada Residents: Opt out of data sales (submit requests to info@sapphirecreditsolutions.com)

Submit requests via email with "Privacy Request" in the subject line. We will respond within 45 days (or as required by law).

10. Children's Privacy

Our Services are not directed to individuals under 18. We do not knowingly collect children's data.

11. International Data Transfers

We operate in the United States. By using our Services, you consent to data processing in the U.S.

12. Policy Updates

We will notify you of material changes via email or Site notice. Continued use after updates constitutes acceptance.

13. Contact Us

For questions or to exercise your rights:

Email: info@sapphirecreditsolutions.com

Phone: (888)-893-6840

Address: 214 E Goode St, Quitman, TX 75783