Privacy Policy

My Credit Sharks (“we,” “us,” or “Company”) collects information you provide directly to us, such as your first name, last name, email address, and mobile phone number when you complete our lead capture or enrollment forms. We may also collect information about the Black Friday offer you selected and campaign source information (such as UTM parameters) when available.

We may also collect information automatically, such as your IP address, browser type, and pages visited, to operate and improve our website.

We use the information we collect to:

• Provide and manage your credit repair service request and enrollment.
• Communicate with you about your case, next steps, and required actions.
• Send you confirmation and follow-up messages related to your enrollment.
• Comply with applicable legal and regulatory obligations.
• Improve our services and website experience.

We do not sell your personal information. We may share your information with service providers who help us operate our business, such as our customer relationship management platform and payment processor, under appropriate contractual obligations of confidentiality and security. We may also disclose information when required by law or to protect our rights.

Credit monitoring through Credit Hero Score is a separate, mandatory requirement of our program and is provided by a separate monitoring provider. When you activate credit monitoring, your relationship with the monitoring provider is governed by that provider’s own terms and privacy policy. We do not control how the monitoring provider handles your information.

We do not store raw credit card details in our application database. Payment processing, when enabled, is handled by our approved payment processor under its own security standards. We only retain the information necessary to manage your enrollment and service.

We use reasonable administrative, technical, and physical safeguards designed to protect your personal information. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Where applicable, we may send you promotional messages by email or SMS. Promotional SMS consent is requested separately and is not required as a condition of receiving our Black Friday offer. You may opt out of promotional communications at any time using the unsubscribe link in our emails or by replying STOP to SMS messages. We will retain information needed to provide the services you requested and to comply with our legal obligations.

Depending on your location, you may have rights to access, correct, or delete your personal information, or to object to or restrict certain processing. To exercise these rights, contact us through the channels provided during enrollment. We will respond in accordance with applicable law.

We retain your personal information for as long as necessary to provide the services you requested, to comply with our legal obligations, to resolve disputes, and to enforce our agreements.

Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us so we can delete it.

We may update this Privacy Policy from time to time. When we do, we will revise the “Last updated” date at the top of this page. We encourage you to review this policy periodically.

If you have questions about this Privacy Policy or how we handle your personal information, please contact My Credit Sharks through the contact channels provided during enrollment.