Privacy Policy

My Credit Care ("we," "us," or "our") is committed to protecting your personal information. This Privacy Policy explains what information we collect, how we use it, who we share it with, and what rights you have regarding your data. By using our website at mycreditcare.org or submitting a consultation request, you agree to the practices described in this policy.

1. Information We Collect

We collect personal information you provide directly to us through consultation forms, phone calls, and communications with our team. This may include:

• Full name, email address, and phone number
• Mailing address or zip code
• General information about your credit or debt situation
• Any other information you voluntarily share during the consultation process

We also collect certain information automatically when you visit our website, including:

• IP address and browser type
• Pages visited, time spent on pages, and referral source
• Device type and operating system
• Cookie identifiers and similar tracking data

2. How We Use Your Information

We use the information we collect to:

• Respond to your consultation requests and communicate about our services
• Provide credit improvement or debt resolution services you have enrolled in
• Send SMS communications related to your account or program (see Section 5)
• Analyze website traffic and improve our website experience using Google Analytics and Meta (Facebook) Pixel
• Comply with applicable laws and regulations
• Protect the security and integrity of our business and systems

3. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to improve your experience on our website. Specifically, we use:

Google Analytics

Google Analytics helps us understand how visitors interact with our website. This tool may collect your IP address and browsing behavior in an anonymized form. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-Out Browser Add-On.

Meta (Facebook) Pixel

We use the Meta Pixel to measure the effectiveness of our advertising and to understand how visitors engage with our site. Meta may use this data in accordance with its own privacy policy. You can manage your ad preferences through your Facebook Ad Settings.

Most browsers allow you to control cookies through their settings. Disabling cookies may affect the functionality of certain parts of our website.

4. How We Share Your Information

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

• Service providers: We may share information with licensed attorneys, technology vendors, or other service partners who assist in delivering our programs. These parties are contractually required to keep your information confidential and use it only to provide services on our behalf.
• Legal compliance: We may disclose information if required by law, court order, or government authority, or to protect the rights, property, or safety of My Credit Care, our clients, or others.
• Business transfer: In the event of a merger, acquisition, or sale of substantially all of our assets, your information may be transferred as part of that transaction. You will be notified of any such change.

5. SMS Communications

By providing your mobile phone number and submitting a consultation request, you consent to receive SMS text messages from My Credit Care related to your inquiry or enrolled program. These messages may include appointment reminders, program updates, and account-related communications.

• Message frequency varies based on your program and activity
• Message and data rates may apply depending on your carrier plan
• You may opt out at any time by replying STOP to any message
• Reply HELP for assistance or contact us at info@mycreditcare.org

We do not use SMS for unsolicited marketing purposes. Opting out of SMS will not affect your enrollment in any program.

6. Data Retention

We retain your personal information for as long as necessary to provide our services, fulfill the purposes described in this policy, and comply with applicable legal obligations. When your information is no longer needed, we take reasonable steps to securely delete or de-identify it.

7. Your California Privacy Rights (CCPA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA), including:

• Right to Know: You may request a copy of the personal information we have collected about you in the past 12 months.
• Right to Delete: You may request that we delete personal information we have collected, subject to certain exceptions.
• Right to Opt-Out: You have the right to opt out of the sale of your personal information. We do not sell personal information, so this right is automatically protected.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

To exercise any of these rights, contact us using the information in Section 10. We will respond to verifiable requests within 45 days as required by California law.

8. Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

9. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete that information.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of our website or services following any changes constitutes your acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or want to opt out of SMS communications, you can reach us at: