Privacy Policy

1. Who we are

Credit Suite ("Credit Suite," "we," "us," or "our") provides credit education, personal credit help, business credit guidance, and funding-readiness services. We are based in Lake Orion, Michigan, and serve clients across Michigan and other states. This policy explains how we handle information collected through credit-suite.com, our social media pages and ads, and our phone, text, and email communications.

2. Information we collect

Information you give us

• Contact details: name, email address, phone number, city, and state.
• Your goals and answers: for example, what you need help with (personal credit, business credit, funding readiness, or home/car purchase readiness) and your timeline.
• Messages: anything you send us by form, email, text, phone, or social media message.
• Appointment details: information you enter when booking a consultation.

Facebook and Instagram lead forms

When you submit a lead form on one of our Facebook or Instagram ads, Meta Platforms, Inc. shares the information you entered on that form with us. This may include your name, email, phone number, city, state, and your answers to our questions. Meta may pre-fill some fields from your profile, and you can edit them before submitting. Meta's own handling of your data is covered by the Meta Privacy Policy.

Information collected automatically

Like most websites, our site and service providers may collect basic technical data such as your browser type, device, pages visited, and approximate location, and may use cookies to keep the site working and to understand how it is used. You can control cookies in your browser settings.

What we do not collect through this website

We do not ask for credit reports, Social Security numbers, or payments through this website or our ad forms. If you become a client, any sensitive documents are exchanged through our secure client portal, which is covered by its own terms and privacy practices.

Information from clients

If you become a client, we collect the information needed to provide our services, which may include your Social Security number, date of birth, address history, identification documents, credit reports, account information, and correspondence with creditors and credit bureaus. This nonpublic personal information is collected only after you enroll, is exchanged through our secure client portal or other secure methods, and is used only to provide the services you requested. See Section 5 for how we protect it.

3. How we use your information

• To respond to your request and contact you about the service you asked about.
• To schedule and confirm consultations.
• To keep track of your inquiry in our customer relationship management (CRM) system.
• To provide services if you become a client.
• To send helpful follow-up information, which you can opt out of at any time.
• To improve our website, ads, and services.
• To comply with the law and protect our rights.

4. How we share your information

We do not sell, rent, or trade your personal information. We share it only with trusted service providers who help us run our business, and only as needed to serve you. These include:

• CRM and email providers (such as Zoho) to store your inquiry and communicate with you.
• Scheduling and form tools (such as Google Calendar and Google Forms) to book appointments and receive requests.
• Automation tools that move your form information securely into our CRM.
• Meta (Facebook and Instagram), which delivers our ads and lead forms.
• Our client portal provider, if you become a client.

We may also disclose information if required by law, court order, or to protect the safety and rights of our clients, our business, or others. With your direction, we also send information to credit bureaus, creditors, and collectors as part of the services you hire us to perform.

Our service providers may use your information only to perform services for us and must keep it confidential. We do not share your nonpublic personal information with non-affiliated third parties for their own marketing, so there is no sharing for you to opt out of.

Affiliate links: Some credit-monitoring links on our site go to third-party providers such as MyFreeScoreNow. Information you enter on those sites is handled under their terms and privacy policies, and Credit Suite may earn a commission.

5. Financial privacy and safeguards

Because we provide credit-related services, we treat client financial information as protected nonpublic personal information under the Gramm-Leach-Bliley Act and the FTC's Privacy and Safeguards Rules. We maintain a written information security program that includes access limits, secure storage, encrypted transmission, and secure disposal of records. We limit the collection and display of Social Security numbers as required by Michigan law. If a security breach affects your personal information, we will notify you as required by Michigan and other applicable law.

6. Calls, texts, and emails

If you give us your phone number or email, you agree that Credit Suite may contact you by phone, text message, or email about your inquiry. Consent is not a condition of purchase. Message and data rates may apply. Message frequency varies. We send automated or marketing texts only to numbers whose owners have given us express written consent.

• Text messages: reply STOP to opt out at any time, or HELP for help.
• Email: use the unsubscribe link or reply asking us to stop.
• Phone: tell us during any call that you no longer want to be contacted.

We do not share your phone number or text-message consent with third parties for their own marketing.

7. How long we keep information

We keep inquiry information for as long as needed to respond to you and follow up, generally no longer than 24 months if you do not become a client. Client records are kept as long as needed to provide services and meet legal and recordkeeping requirements. When information is no longer needed, we delete it or make it anonymous.

8. How we protect your information

We use reasonable administrative, technical, and physical safeguards, including secure, access-controlled systems and encrypted connections. No method of storage or transmission is 100% secure, but we work to protect your information and limit access to people who need it.

9. Your choices and rights

You can ask us to:

• Tell you what personal information we have about you.
• Correct information that is wrong.
• Delete your information, including information we received from a Facebook or Instagram lead form.
• Stop contacting you.

To make a request, email contactus@credit-suite.com with the subject line "Privacy Request." We may need to confirm your identity before acting on a request. We will respond within a reasonable time and as required by applicable law. Depending on where you live, you may have additional rights under your state's privacy laws, and we will honor those rights as they apply.

10. Children's privacy

Our services are intended for adults. We do not knowingly collect personal information from anyone under 18. If you believe a minor has shared information with us, contact us and we will delete it.

11. Links to other websites

Our website and messages may link to other sites, such as our client portal, credit-monitoring providers, Google, and Meta. We are not responsible for the privacy practices of those sites. Please review their policies.

12. Changes to this policy

We may update this policy from time to time. The latest version will always be posted on this page with its effective date. Significant changes will be highlighted on our website.

13. Contact us