Privacy Policy

At Information Change Situations LLC , we are committed to protecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information when you use our website and services.

Information We Collect

Personal Information: When you use our website or contact us, we may collect personal information such as your name, email address, phone number, and any other information you provide voluntarily. Usage Information: We may collect information about your interactions with our website, including your IP address, browser type, pages visited, and referring website. With your written authorization, we collect credit reports from Equifax, Experian, and TransUnion to identify inaccuracies. We retain these for 7 years as required by FCRA § 621.

Use of Information

We may use the information we collect for the following purposes:

To provide and improve our services to respond to your inquiries and requests to send you updates, newsletters, or promotional materials to analyze trends and usage of our website to comply with legal obligations

Disclosure of Information

We may disclose your personal information to third parties in the following circumstances:

With your consent to service providers or partners who assist us in providing our services to comply with legal requirements or protect our rights in connection with a business transaction, such as a merger or acquisition

We share data only with:

  • Credit bureaus/creditors to process disputes

  • Regulatory agencies as required by law

  • Service providers under strict confidentiality agreements

Disclosure of Information

We may disclose your personal information to third parties in the following circumstances:

With your consent to service providers or partners who assist us in providing our services to comply with legal requirements or protect our rights in connection with a business transaction, such as a merger or acquisition

We share data only with:

  • Credit bureaus/creditors to process disputes

  • Regulatory agencies as required by law

  • Service providers under strict confidentiality agreements

Data Security

We implement appropriate security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Children's Privacy

Our website is not intended for children under the age of 13, and we do not knowingly collect personal information from children. If you believe that we have collected personal information from a child under 13, please contact us immediately.

Third-Party Links

Our website may contain links to third-party websites or resources. We are not responsible for the privacy practices or content of these websites. We encourage you to review the privacy policies of any third-party websites you visit.

Changes to this Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Any changes will be effective immediately upon posting on our website. Your continued use of our website after any changes indicates your acceptance of the revised policy.

HOW WE USE YOUR FINANCIAL INFORMATION

• Why we collect it: To dispute inaccuracies in your credit reports

• How we protect it: Encryption, secured servers, limited staff access

• Who we share it with: ONLY credit bureaus, creditors, and legally required entities

• Your rights: Opt-out of marketing emails by replying "UNSUBSCRIBE"

DO NOT SELL/SHARE REQUESTS: Email [email protected]

YOUR CONSUMER RIGHTS UNDER: 

► FCRA: 

  • Free annual credit reports: www.AnnualCreditReport.com 

  • Dispute errors directly with bureaus 

► CCPA (CA Residents): 

  • Request data deletion or access 

  • Opt out of data sharing for non-credit purposes 

  • Submit requests: [email protected] (Response within 45 days) 

► Non-Discrimination: We won’t deny services for exercising rights.

Information Change Situations LLC DOES NOT SELL personal data. 

We may share data with dispute-processing partners under CCPA definitions. 

Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at [email protected]

 

Thank you for trusting Information Change Situations LLC with your personal information.