Privacy Policy

1. Introduction

Horizon Credit Repair ("Company," "we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

2. Information We Collect

Personal Information You Provide

We collect information you voluntarily provide, including:

• Full name, date of birth, and Social Security Number
• Current and previous addresses
• Email address and phone number
• Employment information
• Payment and billing information

Credit Information

With your authorization, we access your credit reports from Experian, Equifax, and TransUnion. This information includes:

• Credit scores and score factors
• Credit accounts and payment history
• Public records and collections
• Credit inquiries

Automatically Collected Information

When you use our website, we automatically collect:

• IP address and browser type
• Device information
• Pages visited and time spent
• Referring website
• Cookies and similar technologies

3. How We Use Your Information

We use your information to:

• Provide credit repair services
• Analyze your credit reports and identify disputable items
• Prepare and send dispute letters on your behalf
• Communicate with you about your account and services
• Process payments and prevent fraud
• Improve our services and develop new features
• Comply with legal obligations

4. Information Sharing

We do not sell your personal information. We may share your information with:

• Credit bureaus and creditors: To dispute items on your behalf, as authorized by you
• Service providers: Third parties who help us operate our business (payment processors, email providers, etc.)
• Legal requirements: When required by law, court order, or government request
• Business transfers: In connection with a merger, acquisition, or sale of assets

5. Data Security

We implement robust security measures to protect your information:

• 256-bit SSL/TLS encryption for all data transmission
• SOC 2 Type II certified data centers
• Regular security audits and penetration testing
• Role-based access controls
• Encryption of sensitive data at rest
• Employee security training

While we strive to protect your information, no method of transmission or storage is 100% secure. We cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. After you terminate your account:

• Active dispute records: Retained for 7 years per FCRA requirements
• Billing records: Retained for 7 years per tax regulations
• Other personal information: Deleted or anonymized within 90 days

7. Your Rights

You have the right to:

• Access: Request a copy of your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your information, subject to legal retention requirements
• Opt-out: Opt out of marketing communications
• Portability: Receive your data in a portable format

To exercise these rights, contact us at legal@horizoncredit.net.

8. California Privacy Rights (CCPA)

California residents have additional rights under the California Consumer Privacy Act:

• Right to know what personal information we collect
• Right to delete personal information
• Right to opt-out of sale of personal information (we do not sell)
• Right to non-discrimination for exercising your rights

9. Gramm-Leach-Bliley Act (GLBA) Compliance

As a financial services provider, we comply with the GLBA's privacy and security requirements for consumer financial information. This includes:

• Providing this privacy notice
• Implementing a comprehensive security program
• Limiting disclosure of nonpublic personal information

10. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

11. Cookies and Tracking

We use cookies and similar technologies to:

• Remember your preferences
• Analyze website traffic
• Improve user experience
• Provide personalized content

You can control cookies through your browser settings. Disabling cookies may affect website functionality.

12. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these sites. We encourage you to review their privacy policies.

13. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes via email or website notice. The "Last updated" date indicates when the policy was last revised.

14. Contact Us

If you have questions about this Privacy Policy or our privacy practices, contact us: