Privacy Policy
CrizMark LLC ("CrizMark," "we," "us," or "our"), doing business as CrizMarkCREDIT, operates the website crizmarkcredit.com (the "Site") and provides credit repair, business formation, tradeline placement, auto purchase advisory, insurance referral, and accident-related guidance services (collectively, the "Services").
This Privacy Policy describes how we collect, use, share, and protect your personal information when you visit our Site, use our Services, or communicate with us. By using our Site or Services, you agree to the terms of this Privacy Policy.
If you do not agree with this Privacy Policy, please do not use our Site or Services.
1Information We Collect
We collect information in the following categories:
1.1Information You Provide Directly
When you fill out forms on our Site, communicate with us, or use our Services, you may provide:
- Identity information: full name, date of birth, last four digits of Social Security Number or ITIN (for credit repair services only, collected through third-party platforms — never stored on our Site)
- Contact information: email address, phone number, mailing address
- Financial information: credit score range, monthly income range, payment method (processed by Stripe — we do not store full card numbers)
- Service-specific information: vehicle details (Auto Advisor), business information (LLC Formation, Commercial Credit), insurance preferences (Insurance Referrals), accident details (Accident Help)
- Communications: messages sent via our contact forms, WhatsApp, or email
1.2Information Collected Automatically
When you visit our Site, we automatically collect:
- Device information: browser type, operating system, IP address, device identifiers
- Usage information: pages viewed, time spent on pages, links clicked, referring website
- Location information: approximate geographic location based on IP address
This information is collected through cookies, web beacons, and similar tracking technologies (see Section 4).
1.3Information from Third Parties
We may receive information about you from:
- Service partners: independent licensed insurance agents (for Insurance Referrals), TradelineSupply Company, LLC (for tradeline inventory)
- Payment processors: Stripe (transaction confirmations, not card data)
- Communication platforms: Twilio (WhatsApp message metadata)
- Analytics providers: Vercel Analytics
2How We Use Your Information
We use your information to:
2.1Provide Services
- Process service requests and inquiries
- Communicate with you about your Services
- Process payments (via Stripe)
- Generate and send dispute letters (Credit Repair, via DisputeFox)
- Place tradeline orders (via TradelineSupply API)
- Coordinate with insurance partners (Insurance Referrals only)
2.2Improve Our Site and Services
- Analyze usage patterns and trends
- Test new features
- Diagnose technical issues
- Personalize your experience
2.3Marketing and Communications
- Send service updates and educational content
- Notify you of new features or promotions
- Send transactional emails (receipts, confirmations)
You may opt out of marketing communications at any time (see Section 7).
2.4Legal and Compliance
- Comply with applicable laws (CROA, FCRA, FDCPA, GLBA, FL Statute 817.7001, FDUTPA)
- Respond to subpoenas or court orders
- Detect and prevent fraud
- Enforce our Terms of Service
5Data Retention
We retain your information only as long as necessary to:
- Provide Services to you
- Comply with legal obligations (typically 7 years for financial records under IRS retention rules)
- Resolve disputes
- Enforce agreements
After the retention period expires, we delete or anonymize your information. You may request earlier deletion (see Section 7).
6Data Security
We implement reasonable security measures to protect your information:
- Encryption in transit (TLS 1.2+)
- Encryption at rest (Supabase managed encryption)
- Row-level security on all database tables
- Stripe-managed payment data (we never store card numbers)
- Access logging and audit trails
However, no system is 100% secure. We cannot guarantee absolute security of your information. You acknowledge that any disclosure is at your own risk.
7Your Rights
7.1California Residents (CCPA)
If you are a California resident, you have the right to:
- Request access to your personal information
- Request deletion of your personal information
- Request correction of inaccurate information
- Opt out of the sale of your personal information (we do not sell your information)
- Receive your information in a portable format
- Non-discrimination for exercising these rights
To exercise these rights, contact us at info@crizmarkcredit.com with "CCPA Request" in the subject line.
7.2General Consumer Rights
All users have the right to:
- Access the information we hold about you
- Request correction of inaccurate information
- Request deletion (subject to legal retention requirements)
- Opt out of marketing communications
- File a complaint with regulatory authorities
To exercise these rights, contact info@crizmarkcredit.com.
7.3GDPR (European Residents)
Currently CrizMark LLC serves U.S. residents only. If we expand to European jurisdictions in the future, this section will be updated with GDPR-specific rights.
8Children's Privacy
Our Services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will delete it promptly.
9Third-Party Services
Our Site contains links to third-party websites and integrations (Calendly, WhatsApp, Stripe, etc.). Each third party has its own privacy policy. We are not responsible for their practices.
10Changes to This Policy
We may update this Privacy Policy from time to time. The "Effective Date" at the top will reflect the most recent revision. We will notify you of material changes via email (for active customers) or prominent notice on the Site.
Your continued use of our Services after changes constitute acceptance of the updated Policy.
11Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, contact us:
- For California residents (CCPA): "CCPA Request" in subject line
- For all other privacy requests: "Privacy Request" in subject line
12Regulatory Compliance Notices
CrizMark LLC complies with applicable U.S. federal and state laws, including:
- Gramm-Leach-Bliley Act (GLBA) — privacy of consumer financial information
- Fair Credit Reporting Act (FCRA) — credit information accuracy
- Fair Debt Collection Practices Act (FDCPA) — debt collection
- Credit Repair Organizations Act (CROA) — credit repair services
- Florida Statute 817.7001 — Florida Credit Service Organizations
- California Consumer Privacy Act (CCPA) — California residents
- Florida Deceptive and Unfair Trade Practices Act (FDUTPA)