We collect information to provide effective and secure credit repair and financial education services. The types of information we may collect include:

​

Personal Identifying Information (PII):
Your name, address, phone number, email, date of birth, Social Security number, driver’s license, or other government-issued identification.

​

Financial Information:
Credit reports, account details, payment history, income, and other data needed to assess and improve your credit profile.

​

Payment Information:
Billing address, credit or debit card details, or other payment methods required for processing transactions.

​

Technical Information:
IP address, browser type, device information, and usage activity when visiting our website.

​

We use this information to:

• Verify your identity and comply with federal regulations.

• Provide personalized credit repair and financial services.

• Process payments and maintain accurate billing records.

• Communicate updates, dispute progress, and account information.

• Improve our services, technology, and client experience.

• Send educational resources or promotional materials (you may opt out at any time).

Data Sharing
We respect your privacy and only share your information when necessary to fulfill services or comply with legal obligations:

• Credit Bureaus & Creditors: To dispute, verify, or update credit report information on your behalf.

• Service Providers: Trusted third-party vendors assisting with billing, document management, or technical support.

• Legal Compliance: When required by law, subpoena, court order, or government regulation.

• Business Transfers: In the event of a merger, sale, or acquisition of assets.

• ​

We do not sell your personal information to any third parties.

​

Data Security
We use administrative, physical, and technical safeguards to protect your information from unauthorized access, misuse, or loss. While we take every precaution to ensure security, no system or method of data transmission is entirely foolproof.

​

Data Retention
Your information will be retained only as long as necessary to provide services, meet legal requirements, resolve disputes, and maintain accurate business records.

Your Privacy Rights

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

• Access and request a copy of your personal data.

• Request corrections to inaccurate or incomplete information.

• Request deletion of certain personal data (subject to legal limitations).

• Opt out of marketing communications.

• Manage or disable cookies through your browser settings.

To exercise these rights, contact us at contact@twelveonefinancial.com.

​

Children’s Privacy
Our services are for adults aged 18 and older. We do not knowingly collect information from minors. If such data is inadvertently collected, it will be deleted immediately.

​

Policy Updates
We may update this Privacy Policy periodically. All updates will be posted on our website with a revised “Effective Date.” Continued use of our services after updates constitutes acceptance of the new terms.

To learn more about this, check out our article “Creating a Privacy Policy”.