Legal
Privacy Policy
This Privacy Policy explains how Fovere Holdings LLC, doing business as CrediCoach ("CrediCoach," "we," "us"), collects, uses, and protects your information when you visit credicoach.com, fill out our forms, sign up for our services, or receive messages from us.
Information we collect
- Contact details: your name, phone number, email address, mailing address, and state.
- Information needed to provide credit services: such as your date of birth, Social Security number, photo ID, proof of address, and credit monitoring login, when you choose to become a client.
- Credit report information: details from your credit reports that we review and dispute on your behalf.
- Website data: basic technical information such as browser type, pages visited, and cookies used to run the site (for example, to remember that you closed a popup).
How we use your information
- To provide credit repair, credit education, and business funding guidance services you request.
- To send you the resources you ask for, such as our free guide.
- To contact you by phone, text message, and email about our services, when you have given consent.
- To prepare and send disputes to credit bureaus and creditors on your behalf.
- To process payments, keep records, and meet our legal obligations.
- To improve our website and services.
How we share information
We do not sell your personal information. We share it only as needed to provide our services and run our business, including with:
- Credit bureaus and creditors, when we send disputes on your behalf.
- Service providers that help us operate, such as our client management, form, payment, email, and text messaging providers. They may use your information only to perform services for us.
- Authorities, when required by law or to protect our rights.
Text messaging and mobile information: No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Text message program
If you opt in, CrediCoach may send you text messages about your account, our credit services, and resources you requested, such as our free guide. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help. Consent to receive texts is not a condition of purchase. Carriers are not liable for delayed or undelivered messages. See our SMS Terms for details.
How we protect your information
We use reasonable administrative, technical, and physical safeguards to protect your information, and we limit access to the people who need it to serve you. No method of storage or transmission is completely secure, so we cannot guarantee absolute security.
How long we keep it
We keep your information for as long as needed to provide our services, keep required business records, and meet legal obligations, then delete or de-identify it.
If you opt out of text messages, we stop texting you and keep only the record of your opt-out, so we can honor it.
Your choices
- Opt out of texts by replying STOP, and out of emails by using the unsubscribe link or contacting us.
- Ask to see, correct, or delete the personal information we hold about you by contacting us. We will respond as required by applicable law.
- Most browsers let you block or delete cookies. Our site does not currently respond to browser "Do Not Track" signals.
Children
Our services are for adults. We do not knowingly collect information from anyone under 18.
Changes to this policy
We may update this policy from time to time. The effective date at the top shows when it was last changed.
Contact us
CrediCoach (Fovere Holdings LLC)
1150 South Jay Street, Chandler, AZ 85286
Email: thecredicoach@gmail.com
Phone: (727) 334-2716