PRIVACY POLICY

Last Updated: 05/11/2026

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This Privacy Policy explains how Credit Fix JOE collects, uses, stores, protects, shares, and processes personal information when you visit our website, submit forms, communicate with us, schedule appointments, enroll in services, access client resources, make payments, or otherwise interact with Credit Fix JOE.

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By using our website, submitting information, enrolling in services, signing agreements, communicating with us, or accessing any client resources, you consent to the practices described in this Privacy Policy.

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This Privacy Policy is incorporated into and governed by our Terms and Conditions and any signed client service agreement.

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COMPANY INFORMATION

Credit Fix JOE, LLC
9329 E Montgomery Ave
Spokane Valley, WA 99206

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Client Support / Billing / Resources: 509-342-5060

Email: info@creditfixjoe.com

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INFORMATION WE COLLECT

Credit Fix JOE may collect personal, financial, technical, and communication-related information necessary to provide services, operate our business, communicate with users, process payments, maintain records, and comply with legal obligations.

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Information we may collect includes:

• Full name
• Email address
• Phone number
• Mailing address
• Date of birth
• Partial or full Social Security number where necessary for service delivery
• Credit-related information
• Financial information relevant to services
• Credit monitoring information
• Government-issued identification documents
• Proof of address documents
• Payment and billing information
• Client portal information
• Communication records
• Uploaded documents and attachments
• Appointment scheduling information
• Service notes and workflow records

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Information may be collected through:

• Website forms
• Advertising lead forms
• Contact forms
• Appointment scheduling systems
• Enrollment forms and agreements
• Client portals
• Credit monitoring integrations
• Email communications
• SMS/text communications
• Phone calls
• Uploaded documents
• Payment processing systems
• Third-party integrations used for service delivery

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AUTOMATICALLY COLLECTED INFORMATION

When users visit our website, certain technical and usage information may automatically be collected, including:

• IP address
• Browser type
• Device type
• Operating system
• Pages visited
• Time spent on pages
• Website interaction data
• Referral source information
• Analytics and performance information

This information helps improve website functionality, user experience, operational performance, security, analytics, and advertising effectiveness.

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COOKIES, PIXELS, AND TRACKING TECHNOLOGIES

Our website may use cookies, pixels, analytics tools, and similar technologies to:

• Improve website performance
• Analyze traffic and engagement
• Support advertising and remarketing
• Improve user experience
• Monitor website functionality
• Measure marketing effectiveness

 

Users may disable cookies through browser settings; however, some website features may not function properly.

Third-party services such as analytics providers, advertising platforms, payment processors, scheduling systems, or embedded tools may also use cookies or similar technologies according to their own policies.

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HOW WE USE INFORMATION

Credit Fix JOE uses information only for legitimate business, operational, educational, service-related, compliance, security, and administrative purposes.

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Information may be used to:

• Respond to inquiries
• Provide credit consultation and education services
• Analyze credit-related information
• Review and organize documentation
• Prepare dispute-related materials
• Coordinate workflow activity
• Provide client support
• Process payments and recurring billing
• Manage client accounts and portals
• Send service-related communications
• Verify identity
• Maintain business records
• Improve website performance
• Improve operational systems
• Monitor security and fraud prevention
• Comply with legal obligations
• Enforce agreements
• Protect legal rights and business operations

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COMMUNICATIONS AND CONSENT

By submitting forms, enrolling in services, scheduling appointments, communicating with Credit Fix JOE, or providing contact information, you consent to receive communications from Credit Fix JOE where permitted by law.

 

Communications may include:

• Emails
• Phone calls
• SMS/text messages
• Appointment reminders
• Billing notices
• Payment reminders
• Service updates
• Account notifications
• Workflow updates
• Document requests
• Educational content
• Administrative communications
• Customer support communications

Message and data rates may apply.

Consent to receive communications is not required as a condition of purchase where prohibited by law.

Users may opt out of promotional or marketing communications by following unsubscribe instructions, replying STOP to text messages, or contacting us directly.

 

Opting out of marketing communications does not necessarily prevent Credit Fix JOE from sending lawful non-marketing communications related to active services, billing, account administration, legal notices, or operational matters.

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SMS/TEXT MESSAGE POLICY

Credit Fix JOE may send SMS/text communications from phone numbers associated with the business, including but not limited to:

• 509-342-5060
• 509-342-7775

 

SMS communications may include:

• Appointment reminders
• Account notifications
• Billing alerts
• Service updates
• Workflow communications
• Client support messages
• Document requests

SMS consent information and phone numbers collected for SMS purposes will not be sold or shared with third parties or affiliates for their own independent marketing purposes.

Users may opt out of SMS communications at any time by replying STOP or contacting us directly.

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PAYMENT INFORMATION

Credit Fix JOE may collect and process payment-related information necessary for enrollment fees, recurring billing, administrative fees, monitoring-related fees, and other authorized charges.

Payment processing may be handled by third-party payment processors.

Credit Fix JOE does not store full payment card information unless specifically required and securely handled through approved systems.

 

Payment-related information may be used to:

• Process authorized transactions
• Manage recurring billing
• Address payment failures
• Respond to disputes or chargebacks
• Maintain billing records
• Administer client accounts

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CREDIT MONITORING AND THIRD-PARTY SERVICES

Certain services require the use of third-party providers, including credit monitoring systems, payment processors, client management systems, communication tools, scheduling platforms, electronic signature providers, software providers, and operational systems.

Third-party providers may process information according to their own terms and privacy practices.

Credit Fix JOE is not responsible for the independent privacy, security, operational, or technical practices of third-party services not directly controlled by Credit Fix JOE.

 

Third-party services may include:

• Credit Hero Score
• Payment processors
• Client portals
• Scheduling systems
• Communication platforms
• Electronic signature providers
• CRM systems
• Analytics providers

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HOW WE SHARE INFORMATION

Credit Fix JOE does not sell personal information.

Information may be shared only as reasonably necessary for legitimate business operations, service delivery, legal compliance, security, or authorized workflow activity.

 

Information may be shared with:

• Credit bureaus
• Creditors
• Furnishers
• Collection agencies
• Consumer protection agencies
• Service providers
• Software providers
• Payment processors
• Communication providers
• Scheduling providers
• Credit monitoring providers
• Operational support providers
• Regulatory authorities where required by law

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Information may also be disclosed:

• To comply with legal obligations
• To respond to subpoenas, court orders, or lawful requests
• To enforce agreements
• To investigate fraud or misuse
• To protect legal rights or safety
• In connection with business restructuring, sale, merger, or acquisition activities

 

Any third-party access is limited to the information reasonably necessary for the applicable purpose.

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DATA SECURITY

Credit Fix JOE implements reasonable administrative, technical, operational, and organizational safeguards designed to protect personal information from unauthorized access, misuse, disclosure, alteration, or destruction.

Security measures may include:

• Restricted access controls
• Password-protected systems
• Secure document handling procedures
• Operational security safeguards
• Internal access limitations
• Ongoing review of security practices

 

However, no electronic transmission, website, cloud platform, storage system, communication method, or third-party service can be guaranteed completely secure.

Users provide information at their own risk to the extent permitted by law.

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DATA RETENTION

Credit Fix JOE retains personal information only as long as reasonably necessary to:

• Provide requested services
• Maintain operational records
• Comply with legal obligations
• Enforce agreements
• Resolve disputes
• Maintain compliance records
• Protect legal and business interests

When information is no longer reasonably necessary, it may be securely deleted, destroyed, archived, or anonymized where appropriate.

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YOUR RIGHTS AND CHOICES

Subject to applicable law, users may have the right to:

• Request access to personal information
• Request correction of inaccurate information
• Request deletion of certain information where legally permitted
• Withdraw consent for certain communications
• Opt out of marketing communications
• Request information regarding stored data where applicable

Certain requests may be limited by legal obligations, compliance requirements, operational needs, fraud prevention, record keeping obligations, or lawful business interests.

Requests may be submitted using the contact information listed below.

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CHILDREN’S PRIVACY

Credit Fix JOE services and website are intended for adults and are not directed toward children under eighteen (18) years of age.

Credit Fix JOE does not knowingly collect personal information from children under eighteen (18).

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THIRD-PARTY LINKS

The website may contain links to third-party websites, services, applications, or resources.

Credit Fix JOE is not responsible for the privacy practices, security practices, content, or operations of third-party services.

Users should review third-party policies separately.

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BUSINESS TRANSFERS

In the event of a merger, acquisition, restructuring, financing transaction, sale of assets, or other business transition, information may be transferred as part of that transaction subject to applicable legal protections.

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WASHINGTON AND IDAHO COMPLIANCE

Credit Fix JOE intends to operate in compliance with applicable federal and state privacy, consumer protection, communication, and credit-related laws including applicable Washington and Idaho requirements where applicable.

Nothing in this Privacy Policy is intended to waive or limit any non-waivable rights under applicable law.

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UPDATES TO THIS PRIVACY POLICY

Credit Fix JOE may update this Privacy Policy from time to time.

Updated versions may be posted on this page with a revised “Last Updated” date.

Continued use of the website or services after updates are posted constitutes acceptance of the updated Privacy Policy.

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CONTACT INFORMATION

Questions regarding this Privacy Policy or personal information practices may be directed to:

 

Credit Fix JOE, LLC
9329 E Montgomery Ave
Spokane Valley, WA 99206

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Client Support / Billing / Resources: 509-342-5060

Email: info@creditfixjoe.com