Privacy Policy.

1. Information We Collect

We collect information you provide directly (name, contact info, financial data, credit reports), information from credit bureaus with your written authorization, and technical data (IP address, device info) via standard analytics.

2. How We Use Information

• Deliver credit-restoration, homebuyer-readiness, and financial-literacy services
• File disputes with credit bureaus and furnishers on your behalf
• Coordinate with your chosen lender, realtor, or title partner (with authorization)
• Communicate about your engagement, invoices, and milestone updates
• Comply with legal obligations under CROA, FCRA, TCPA, and IRS reporting

3. Information We Do Not Do

• We do not sell your personal or financial data — ever
• We do not share your file with affiliates for their marketing
• We do not use your credit data for AI training or model improvement

4. Who We Share Information With

• Credit bureaus (Experian, Equifax, TransUnion) — with your written authorization
• Furnishers (creditors, collectors) — only during dispute cycles you approve
• Your designated lender, realtor, or title partner — only with your explicit written consent
• Service providers under strict contractual confidentiality (payment processor, email host)
• Government agencies when legally required (court order, subpoena, IRS)

5. Data Retention

Active client files are retained for the duration of engagement plus seven (7) years, per FCRA and IRS record-keeping requirements. Marketing subscriber data is retained until you unsubscribe, then deleted within 30 days.

6. Your Rights

You have the right to access, correct, or request deletion of your personal information. You may withdraw consent for HLP to access your credit reports at any time. Texas residents have additional rights under the Texas Consumer Privacy Act. California residents have rights under CCPA. To exercise any right, contact privacy@hlpcredit.com.

7. Cookies & Analytics

We use minimal analytics cookies to understand site usage. We do not use advertising trackers, retargeting pixels, or third-party marketing tags on pages containing consumer credit intake.

8. Security

HLP maintains administrative, technical, and physical safeguards required by GLBA. This includes encrypted data transmission (TLS 1.3), encrypted storage, role-based access controls, and quarterly security reviews. In the event of a data breach affecting your personal information, we will notify you within 30 days per applicable law.

9. Children

HLP does not provide services to individuals under 18 and does not knowingly collect data from minors.

10. Changes to This Policy

We may update this policy. Material changes will be emailed to active clients and posted here with a revised effective date. Your continued engagement after changes constitutes acceptance.

11. Contact

HLP Credit Solutions Corporation
Attn: Privacy Officer
1342 NM 333 · Mansfield, TX 87059
privacy@hlpcredit.com