AP Credit Consulting LLC ("Company," "we," "us," or "our") is committed to protecting your personal information and your right to privacy. This Privacy Policy explains what information we collect, how we use it, and what rights you have in relation to it when you visit our website or use our services.
By using our website or services, you agree to the collection and use of information in accordance with this policy. If you do not agree, please discontinue use of our website and services.
We collect several types of information in connection with operating our business and providing our services:
| Category | Examples | Source |
|---|---|---|
| Identity Information | Full name, date of birth, Social Security Number (for credit pull purposes only) | Provided by you during intake |
| Contact Information | Email address, phone number, mailing address | Forms, booking, intake |
| Financial Information | Credit report data, credit scores, account information (no bank account or card numbers stored) | Provided by you or pulled from credit bureaus |
| Payment Information | Transaction records (card numbers are processed by secure payment processors — not stored by us) | Payment processor |
| Usage Data | IP address, browser type, pages visited, time on site, referring URL | Automatically collected via cookies/analytics |
| Communications | Emails, texts, or messages you send to us | Your direct communications with us |
Sensitive Information: If you provide sensitive information such as your Social Security Number, it is collected solely for the purpose of pulling your credit report and is handled with strict security protocols. We do not use or share this information for any other purpose.
We use the information we collect for the following purposes:
We will not use your personal information for any purpose that is not disclosed in this policy without your prior consent.
By providing your phone number or email address through our website or intake forms, you consent to receive communications from AP Credit Consulting LLC. Here is how we handle each channel:
SMS Text Messages
Email Communications
Note: Opting out of communications does not cancel your service agreement. To cancel services, please refer to our Terms & Conditions.
We do not sell or rent your personal information to any third party. We may share your information only in the following limited circumstances:
All third-party partners we work with are required to maintain the confidentiality and security of your information in a manner consistent with this policy.
We take the security of your personal information seriously. We implement reasonable and industry-standard security measures to protect your information, including:
However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. If you have reason to believe your personal information has been compromised, please contact us immediately at support@apcreditconsulting.com.
We retain your personal data only for as long as necessary to fulfill the purposes outlined in this policy, provide ongoing services, or comply with legal obligations. Upon request, we will delete or anonymize your data to the extent permitted by law and our legal obligations.
Depending on your location and applicable law, you may have the following rights regarding your personal information:
To exercise any of these rights, please contact us at support@apcreditconsulting.com. We will respond to verified requests within 30 days. We may need to verify your identity before processing your request.
Our website uses cookies and similar tracking technologies to improve your browsing experience and analyze site traffic. Cookies are small text files stored on your device that help us:
We may use the following types of cookies:
You can control or delete cookies through your browser settings. Disabling certain cookies may affect the functionality of our website. For more information on managing cookies, visit your browser's help documentation.
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):
To submit a California privacy rights request, please contact us at support@apcreditconsulting.com with the subject line "California Privacy Request." We will respond within 45 days.
Our website may contain links to third-party websites, including credit bureau portals, booking platforms, and payment processors. These third-party sites have their own privacy policies that are independent of ours. We are not responsible for the privacy practices or the content of any third-party website.
We encourage you to review the privacy policies of any website you visit through links on our site. The inclusion of a link does not constitute our endorsement of that website or its privacy practices.
Our services are intended solely for individuals who are 18 years of age or older. We do not knowingly collect, solicit, or use personal information from children under the age of 18. If we become aware that we have collected personal information from a person under 18 without verified parental consent, we will promptly delete such information.
If you are a parent or guardian and believe your child has provided us with personal information, please contact us at support@apcreditconsulting.com.
We reserve the right to update or modify this Privacy Policy at any time. When we make changes, we will update the "Effective Date" at the top of this page. We encourage you to review this policy periodically to stay informed about how we are protecting your information.
Your continued use of our website or services after the effective date of any revised policy constitutes your acceptance of the updated policy. If we make material changes that affect your rights, we will make a reasonable effort to notify you directly via email or prominent notice on our website.
If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us:
We will respond to all privacy-related inquiries within 30 days. For urgent data security concerns, please mark your email as "URGENT — Data Security" in the subject line.