Kridet Solutions ("Kridet Solutions," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website, complete our credit consultation questionnaire, book a call, contact us, or use our credit repair and credit education services (collectively, the "Services").

By accessing our Services, submitting our intake form, or booking a consultation, you agree to the practices described in this policy. If you do not agree, please do not use our Services or submit your information.

We collect information you provide directly to us, information collected automatically, and information we receive from third parties such as credit bureaus.

Information you provide through our intake form & booking

• Contact & identifiers — first name, last name, phone number, email address, and, where you choose to provide them, your Instagram handle and preferred time to be contacted.
• Consultation & credit-assessment responses — the answers you give in our credit questionnaire, including your reasons or goals for improving your credit, your current credit standing, whether you can stay current on your bills, your employment status, your likelihood of following through on a plan, and your readiness or budget to begin a program.
• Referral & attribution details — how you heard about us and, if you were referred, who referred you.
• Scheduling information — appointment date and time, and your acknowledgment of our consultation and no-show terms.

Information collected once you enroll

• Financial & credit information — Social Security number, date of birth, credit reports and scores, account and creditor details, and dispute information needed to provide credit repair services.
• Payment information — billing details processed securely through our third-party payment and checkout provider when you begin a program. We do not store full card numbers on our own systems.
• Communications — messages, form submissions, appointment records, and records of your interactions with us.

Information collected automatically

• Usage & device data — IP address, browser type, device information, pages viewed, referring pages, and campaign/UTM parameters collected through cookies and similar technologies.

We use your information to:

• Schedule, confirm, and manage your consultation, and send you appointment reminders.
• Review your questionnaire responses to understand your goals and recommend the right program for your situation.
• Provide, operate, and improve our credit repair and education services.
• Review, analyze, and dispute inaccurate items on your credit report on your behalf.
• Communicate with you about your account, appointments, and service updates.
• Respond to inquiries and provide customer support.
• Send administrative messages and, with your consent, marketing communications.
• Process payments and manage your enrollment through our payment provider.
• Comply with legal obligations and enforce our agreements.
• Detect, prevent, and address fraud, security, and technical issues.

We do not sell your personal information. We may share it only as needed with:

• Credit bureaus & creditors — to dispute and correct information on your behalf.
• Technology & CRM providers — the platforms that host this website, manage our scheduling, store contact records, and deliver our communications, all under confidentiality obligations.
• Payment & checkout providers — third-party processors that securely handle billing when you enroll in a program.
• Service providers — other vendors who support our operations (such as analytics and customer support) under confidentiality obligations.
• Legal & regulatory authorities — when required by law, subpoena, or to protect our rights, safety, or property.
• Business transfers — in connection with a merger, acquisition, or sale of assets.

Information collected through SMS/text opt-in is never sold or shared with third parties or affiliates for their marketing purposes.

We use cookies, web beacons, tracking pixels, and similar technologies to operate our site, remember your preferences, measure the performance of our campaigns (including UTM parameters), analyze traffic, and improve your experience. You can manage or disable cookies through your browser settings, though some features may not function properly if you do. We may use third-party analytics and advertising providers to understand how visitors find and use our site.

If you provide your phone number and opt in, you consent to receive text messages from us, including appointment and consultation reminders, service-related messages, and — where permitted — promotional messages. Message frequency may vary, and message and data rates may apply. You can opt out at any time by replying STOP, or reply HELP for assistance. Your mobile opt-in and SMS consent will not be shared or sold to any third party or affiliate for marketing purposes.

We implement industry-standard administrative, technical, and physical safeguards — including encryption — designed to protect your information. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

We retain your personal information for as long as necessary to provide the Services, comply with our legal obligations, resolve disputes, and enforce our agreements. When information is no longer needed, we securely delete or anonymize it.

Depending on your location, you may have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of your information, subject to legal exceptions.
• Opt out of marketing communications at any time.
• Request a copy of your information (data portability).

To exercise any of these rights, contact us at [email protected] or (800) 628-8197. You also have rights under the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA), including the right to cancel your contract within three business days.

Our website relies on third-party platforms for scheduling, checkout, and payment, and may link to third-party websites and social media pages. When you complete a payment, your billing information is handled by our payment provider under its own privacy policy. We are not responsible for the privacy practices or content of third-party sites, and we encourage you to review the privacy policies of any third party before providing your information.

Our Services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will promptly delete it.

We may update this Privacy Policy from time to time. Any changes will become effective when we post the revised policy with an updated "Last updated" date. Your continued use of the Services after changes are posted constitutes your acceptance of the updated policy.

If you have any questions about this Privacy Policy or how we handle your information, please reach out: