Privacy Policy
Credit Fix JOE™ Privacy Policy
Effective Date: February 6, 2026
1. Introduction
Credit Fix JOE™ (“we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and protect your information when you visit our website, submit a form, engage with our advertisements, or communicate with us in any way.
By using our website, submitting your information, or engaging with our services, you consent to the practices described in this Privacy Policy.
2. Information We Collect
a. Information You Provide Voluntarily
We may collect personal information that you voluntarily provide, including but not limited to:
• First and last name
• Email address
• Phone number
• Mailing address
• Date of birth
• Social Security number (when required for service delivery)
• Financial or credit-related information relevant to your inquiry or services
This information may be collected through:
• Website forms
• Lead forms associated with advertisements
• Booking or scheduling tools
• Phone calls, emails, or SMS communications
b. Information Collected Automatically
When you visit our website, we may automatically collect limited information such as:
• IP address
• Browser type and device information
• Pages visited and time spent on the site
This data is used solely to improve website performance, user experience, and security.
c. SMS Consent
SMS opt-in consent and phone numbers collected for SMS communication will not be shared or sold to third parties for marketing purposes under any circumstances.
3. How We Use Your Information
We use your information only for legitimate business purposes, including:
a. Service Delivery
• Responding to inquiries
• Providing credit education, consultation, and repair services
• Communicating regarding your account or requested services
b. Communication (SMS, Email, Phone)
With your consent, we may contact you via:
• SMS messages
• Phone calls
• Emails
These communications may include appointment reminders, service updates, educational information, and administrative notices. You may opt out at any time.
c. Marketing Communications
With your consent, we may send educational or promotional communications. You can opt out at any time by following the unsubscribe instructions or contacting us directly.
d. Legal and Compliance Obligations
We may use or retain information as required to:
• Comply with applicable laws and regulations
• Maintain records required under CROA and other consumer protection laws
• Enforce agreements or protect legal rights
4. How We Protect Your Information
We take reasonable and appropriate measures to protect your information, including:
• Secure systems and access controls
• Limited access to sensitive data
• Ongoing review of security practices
While no system is 100% secure, we work diligently to safeguard your information against unauthorized access, misuse, or disclosure.
5. Information Sharing
We do not sell your personal information.
We may share information only in the following limited circumstances:
a. Service Providers
We may share necessary information with trusted third-party service providers who assist in delivering our services, such as financing providers or technology platforms. These providers are required to protect your information and use it only for the intended purpose.
b. Financing Providers
If you choose to use third-party financing options (such as Denefits), your information may be processed according to that provider’s privacy policy.
c. Legal Requirements
We may disclose information if required by law, court order, or valid governmental request.
d. Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
6. Credit Repair Organizations Act (CROA) Compliance
Credit Fix JOE™ operates in compliance with the Credit Repair Organizations Act.
• We do not make false or misleading claims
• We do not guarantee specific outcomes
• We provide written agreements before services begin
• Clients retain all rights provided by law, including the right to cancel within three business days
7. Telephone Consumer Protection Act (TCPA) Compliance
We comply with the TCPA and related regulations.
• SMS and automated communications are sent only with prior express consent
• You may opt out at any time by replying STOP or contacting us directly
• Opting out does not affect your ability to receive services
8. Your Rights and Choices
You have the right to:
• Access your personal information
• Request corrections or updates
• Opt out of marketing or SMS communications
• Withdraw consent at any time
To exercise these rights, contact us using the information below.
9. Data Retention
We retain personal information only as long as necessary to fulfill the purposes described in this policy or as required by law. When no longer needed, information is securely deleted or anonymized.
10. Updates to This Privacy Policy
We may update this Privacy Policy periodically. Updates will be posted on our website with a revised effective date. Continued use of our services constitutes acceptance of the updated policy.
11. Contact Information
If you have questions about this Privacy Policy or your personal information, contact us at:
Credit Fix JOE™
📍 9329 E Montgomery Ave, Spokane Valley, WA 99206
📞 Office: 509-342-7775
📧 Email: info@creditfixjoe.com
🌐 Website: https://www.creditfixjoe.com