Privacy Policy

1. Information We Collect

• Personal Information: name, email address, phone number, billing information, and details voluntarily shared via web forms, Messenger, or SMS.
• Non-Personal Information: device details, browser data, cookies, IP addresses, and analytics to improve your experience.
• Documents & Files: if you upload supporting documentation (such as identification or credit reports) for educational or compliance purposes.

2. How We Use Information

ScoreED, LLC collects and uses information solely for educational and operational purposes, including:

• Delivering requested services, consultations, and support.
• Providing credit education, document preparation, and compliance guidance under the FCRA, FDCPA, and CROA.
• Improving user experience on our website and AI chat systems.
• Processing payments and communication through trusted third-party platforms such as GoHighLevel, Stripe, and Meta.
• Sending educational updates, digital resources, or marketing materials (opt-out available).

We do not sell, rent, or trade your personal data.

3. Payment Processing

All payments are processed securely through ACH, Stripe, or other authorized third-party processors. By submitting payment or information, you consent to the collection and processing of your data necessary to complete the transaction. Payment information is not stored on our servers and is handled according to PCI-compliant standards.

4. Data Retention & Security

We retain your data only as long as necessary to fulfill service obligations, comply with legal requirements, or support educational outcomes. ScoreED, LLC implements reasonable administrative, technical, and physical safeguards to protect your personal information. While we strive for full security, no online system is 100% secure, and you acknowledge that information shared digitally carries inherent risk.

5. Your Rights

• Request access, correction, or deletion of your personal information.
• Withdraw consent for marketing communications at any time.
• Request copies of data collected and understand how it is used.

To exercise these rights, contact info@scoreedaz.com.

6. Third-Party Disclosure

We may share data only with trusted partners that support our business operations, including:

• Payment processors (e.g., Stripe, ACH)
• CRM and automation systems (e.g., GoHighLevel)
• Communication platforms (e.g., Meta Messenger)

These partners are bound by confidentiality and data-protection agreements and may not use your data for their own marketing purposes.

7. Cookies & Tracking

Our website may use cookies and similar tracking technologies to enhance user experience and gather analytical data. You may disable cookies through your browser settings, but doing so may affect certain functionality.

8. Disclaimer

ScoreED, LLC is not a credit repair organization, attorney, or financial advisor. All guidance provided through our website, AI tools, and consultations is strictly educational and should not replace professional legal, tax, or financial advice. You are responsible for your personal and financial decisions.

9. Limitation of Liability

ScoreED, LLC, its owners, and affiliates are not liable for:

• Any indirect, incidental, or consequential damages.
• Actions or decisions you take based on our educational materials or AI chat guidance.
• Outcomes determined by third-party institutions such as lenders, credit bureaus, or government agencies.

Our total liability shall not exceed the total amount you paid for services or products.

10. Updates to This Policy

We may update this Policy periodically to reflect changes in operations or legal requirements. Any updates will be posted with a revised “Last Updated” date.

11. Governing Law

This Privacy Policy is governed by and construed under the laws of the State of Arizona, USA. Any disputes arising under this Policy shall be resolved through binding arbitration in Maricopa County, Arizona, pursuant to the rules of the American Arbitration Association.