1. Introduction

This Privacy Policy describes how A Plus Credit Info LLC DBA Credit Information (“Credit Info,” “we,” “us,” or “our”) collects, uses, and protects Personal Data through our services, websites, and communications, including email, SMS text messaging, phone calls, and other electronic communications.

Credit Information provides credit reporting and related services to authorized clients who have certified a permissible purpose under applicable law. If you are a consumer, we collect, use, maintain, and disclose Personal Data as required to conduct credit checks in connection with a financial or other transaction you have applied for, subject to the Fair Credit Reporting Act (“FCRA”).

If you are a client, we collect and use Personal Data to provide access to our services.

This Privacy Policy applies to information collected through our website(s), forms, communications, and services (collectively, the “Services”). By accessing or using our Services, you agree to the practices described in this Privacy Policy.

2. Children Under the Age of 18

You must be 18 years of age or older to use our services. Our Services are not intended for individuals under the age of 18. We do not knowingly collect Personal Data directly from children under 18. If we become aware that we have collected such information, we will delete it promptly.

3. Information We Collect and How We Collect It

As you interact with our Services, we may use automatic data collection technologies to gather certain information about your device, browsing activity, and usage patterns.

This may include:

- Website activity and usage data, such as pages visited, referring and exit pages, date and time of access, clickstream data, error logs, and interactions with our Services

- Communication data, including details of phone calls and correspondence with our team, such as phone numbers, call duration, timestamps, and representative interactions

- Device and connection information, including IP address, browser type, operating system, and internet connection details

- The information collected may include Personal Data or may be combined with other information we collect directly or receive from third parties.

We use this information to:

- Understand how our Services are used and improve performance

- Personalize user experience based on preferences and behavior

- Maintain security, detect fraud, and verify identity when necessary

- Improve efficiency and speed of access

- Recognize returning users and maintain session continuity

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience, improve functionality, and better understand how our Services are used.

Cookies (Browser Cookies)
Cookies are small files stored on your device that help provide a more personalized and efficient experience. We may use both session cookies, which expire when you close your browser, and persistent cookies, which remain on your device until deleted. You can configure your browser to refuse cookies or alert you when cookies are being used. However, disabling cookies may limit access to certain features of our Services.

Session Cookies
Each time you access our Website, a session cookie with a unique identifier may be used to recognize your session and track activity during your visit. These cookies are required for proper functionality of the Website.

Web Beacons (Pixel Tags)
Our Website and emails may include small electronic files known as web beacons or pixel tags. These help us measure traffic, track engagement, and monitor system performance.

Third-Party Tracking Technologies

Some content or applications on our Website may be provided by third parties. These third parties may use cookies, web beacons, or similar technologies to collect information about your activity across websites and over time.

This information may be used to analyze usage, improve services, or deliver relevant content. We do not control how third parties use these technologies and recommend reviewing their privacy policies for more information.

4. How We Use Your Information

- We use Personal Data to:

- Provide requested services

- Respond to inquiries

- Communicate regarding your request or account

- Enforce contractual obligations

- Comply with legal and regulatory requirements

4A. SMS & Electronic Communications

If you provide your mobile phone number and explicitly consent to receive text messages, Credit Information may send SMS messages related to your inquiry, account, or services you have requested. These messages may include appointment scheduling, follow-ups, service-related notifications, and responses to your inquiries.

You must be 18 years of age or older to use SMS services. Message frequency varies. Message and data rates may apply, check with your carrier for details. Carriers are not liable for delayed or undelivered messages.

How SMS Consent Is Obtained

Consent to receive SMS messages is obtained through one or more of the following affirmative actions:

- Checking an SMS consent checkbox on a website or event form

- Replying YES to an SMS opt-in confirmation message

- Providing verbal consent during an inbound phone call, which will be documented

Opt-Out

You may opt out of SMS messages at any time by replying STOP. For assistance, reply HELP or contact us directly.

Credit Information does not sell, rent, or share mobile phone numbers with third parties for marketing or promotional purposes.

5. Disclosure of Your Information

We do not sell Personal Data.

We may disclose Personal Data only as necessary to:

- Provide services

- Comply with legal obligations

- Enforce our rights

- Work with service providers under confidentiality obligations

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, suchas 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.

6. Accessing and Correcting Your Information

You may request access to or correction of Personal Data as permitted by law by contacting us using the information below.

7. Do Not Track Signals

We currently do not respond to “Do Not Track” browser signals.

8. Data Security

We implement reasonable safeguards to protect Personal Data. However, no transmission over the Internet is completely secure, and we cannot guarantee absolute security.

9. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised effective date.

10. Contact Information

If you have questions or concerns about this Privacy Policy or our data practices, contact us at:

Credit Information

10015 N. Ambassador Dr. Ste 102

Kansas City, MO 64153

[email protected]

(800) 327-3348