Privacy Policy

This Privacy Policy governs the way in which Golden Gate Credit Solutions LLC collects, uses, maintains, and discloses information collected from users (each, a “User”) of the http://www.creditcounselingandrepair.org website (“Site”). This privacy policy applies to the Site and all products and services offered by Golden Gate Credit Solutions LLC.

Website Disclaimers:

I acknowledge, consent, and agree by electronic signature to be contacted about credit improvement services or credit improvement marketing by a live agent, artificial or prerecorded voice and SMS text at my residential or cellular number, dialed manually or by autodialer, and by email (consent to be contacted is not a condition to purchase services). By using any of Golden Gate Credit Solutions LLC service, you agree that the Federal Arbitration Act, applicable federal law, and the laws of the state of Florida, without regard to principles of conflict of laws, will govern these Conditions of Use and any dispute of any sort that might arise between you and Golden Gate Credit Solutions LLC. This Agreement shall be governed by and construed according to the laws of the State of Florida. I have read and agree to the website privacy policy and terms of use.

Personal identification information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, fill out a form, and in connection with other activities, services, features, or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to personally supply identification information, except that it may prevent them from engaging in certain Site related activities.

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer, and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

Web browser cookies

Our Site may use “cookies” to enhance the User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. Users may choose to set their web browser to refuse cookies or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

How we use collected information

Golden Gate Credit Solutions LLC may collect and use Users personal information for the following purposes:

To run and operate our Site We may need your information to display content on the Site correctly.
To improve customer service Information you provide helps us respond to your customer service requests and support needs more efficiently.
To improve our Site We may use the feedback you provide to improve our products and services.
To process payments, We may use the information Users provide about themselves when placing an order only to provide service to that order. We do not share this information with outside parties except to the extent necessary to provide the service.
To run a promotion, contest, survey, or other Site feature To send Users information they agreed to receive about topics we think will be of interest to them.
To send periodic emails We may use the email address to send User information and updates pertaining to their order. It may also be used to respond to their inquiries, questions, and/or other requests.
How we protect your information
We adopt appropriate data collection, storage, and processing practices and security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal information, username, password, transaction information, and data stored on our Site.

Sharing your personal information

We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates, and advertisers for the purposes outlined above. We may use third-party service providers to help us operate our business and the Site or administer activities on our behalfs, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission.

Electronic newsletters

If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product, or service information, etc. We may use third-party service providers to help us operate our business and the Site or administer activities on our behalfs, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission.

User Accounts

In order to use blogs, chat rooms, message boards, and certain other Services, or other resources we may from time to time offer, you will need to register and create a user account (“User Account”).

Unless specifically noted, there is no cost to create a User Account in most cases. You may be asked to choose a username, screen name, or member name (each, a “Username”) and password. Please do not use your real name or the real name of another person when selecting a Username. You will also be asked to provide certain personally identifiable information and other information about yourself, such as your first and last name, date of birth, address, telephone number, and e-mail address.

Please note that your Username will be available to the Internet’s general public while you participate in some Services, like chat rooms, forums or message boards, so you should exercise discretion when using these Services.

This Privacy Policy does not apply to any information you may disclose publicly in such Services. In some instances, you may choose to create a “Public Profile” that will be available to others on the Internet. Public Profiles are managed entirely by you, and you are solely responsible for your Public Profile’s content and its “public” or “private” status. The Company bears no responsibility for any action or policies of any third parties who collect any information that users may disclose in user forums or other public areas of this Website. You are also responsible for maintaining and updating the registration information in your User Account with current and complete information. You may access, edit, or remove your Public Profile by signing into your User Account and following the directions there. You can also send an e-mail to info@goldengatecredit.com to request the deactivation of your User Account.

Please review our restrictions on use and guidelines for user forums in the “Terms and Conditions” for the Website.

You can unsubscribe from receiving commercial e-mail from the Website by clicking the link contained within such e-mails sent to you. You should be aware that it is not always possible to completely remove or modify information in our databases. In addition, we may institute a policy in which user information is deleted after a certain amount of time, and therefore, your user information may no longer exist in the Golden Gate Credit Solutions active database(s). In addition, even if you choose to unsubscribe or otherwise modify your User Account settings, Golden Gate Credit Solutions reserves the right to contact you regarding your account and your use of this Website.

Customer Service

Some Services may offer support and technical assistance through customer service centers via telephone, online chat, or e-mail. Whenever you communicate with customer service, you do so with the understanding that an operator may view and make changes to the information in your User Account in order to provide the assistance that you need.

Changes to this privacy policy

Golden Gate Credit Solutions LLC has the discretion to update this privacy policy at any time. When we do, we will send you an email. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Our Commitment to Data Security

While Golden Gate Credit Solutions takes reasonable and appropriate precautions to protect your personally identifiable information from unauthorized disclosure and to prevent possible security breaches in our Websites, Services, and customer databases, no website, Internet transmission, computer system, or wireless connection is completely secure. Consequently, Golden Gate Credit Solutions cannot guarantee that unauthorized access, hacking, data loss, or other breaches will never occur. Your use of the Golden Gate Credit Solutions Websites and Services is at your own risk. Golden Gate Credit Solutions urges you to take steps to keep your information safe by memorizing your password or keeping it in a safe place (separate from your account information), logging out of your User Account, and closing your Web browser.

Whenever you give Golden Gate Credit Solutions sensitive or confidential information (for example, credit card numbers for Purchases), Golden Gate Credit Solutions will take commercially reasonable steps to protect the information by establishing a secure connection with your Web browser. Golden Gate Credit Solutions employs a security technology known as a secure-socket-layer (“SSL”) to protect the transmission of payment information to the site. Unless otherwise specified herein or on the Website where you make a Purchase, credit card numbers are used only for payment processing and are not retained for marketing purposes.

Governing Law and Jurisdiction

By using any of Golden Gate Credit Solutions LLC service, you agree that the Federal Arbitration Act, applicable federal law, and the laws of the state of Florida, without regard to principles of conflict of laws, will govern these Conditions of Use and any dispute of any sort that might arise between you and Golden Gate Credit Solutions LLC.

Arbitration Clause: Any dispute stemming from this contract shall be settled by arbitration, according to the United States Arbitration and Mediation Rules of Arbitration. Upon completion of arbitration, all decisions shall be final and binding, and judgments may be entered for enforcement. This Agreement shall be governed by and construed according to the laws of the State of Florida.

Your acceptance of these terms

By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes. Privacy policy created by GeneratePrivacyPolicy.com

Consent to Processing in the United States

By providing any personally identifiable information to COMPANY, all users, including, without limitation, users in the member states of the European Union, fully understand and unambiguously consent to this Privacy Policy and to the collection, storage, and processing of such information in the United States of America.

Contact Us Regarding Privacy

Golden Gate Credit Solutions LLC  is dedicated to protecting your personally identifiable information and welcomes comments and questions on this Privacy Policy. You may e-mail your questions or comments to info@goldengatecredit.com . Please note that information submitted to the Website via a “contact us,” “help” or other similar e-mail address or form will not necessarily receive a response. We will not use the information provided to these e-mail addresses or forms for marketing purposes unrelated to your request. If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at 1-877-989-9877.