Privacy Policy

PRIVACY POLICY:

Effective Date: September 4, 2026
Last Updated: September 4, 2026

Empower Credit Solutions LLC ("Empower Credit Solutions," "Empower," "we," "us," or "our") respects your privacy and is committed to protecting the personal and financial information entrusted to us.

This Privacy Policy explains how Empower Credit Solutions LLC collects, uses, stores, protects, and discloses information when you visit our website, communicate with us, submit an inquiry or application, become a client, use our services, or otherwise interact with us.

By using our website or providing information to us, you acknowledge that you have read and understood this Privacy Policy.

1. INFORMATION WE COLLECT

Depending on how you interact with Empower Credit Solutions, we may collect the following categories of information.

A. Contact Information

We may collect:

Full name

Mailing address

Email address

Telephone/mobile number

Contact preferences

Other information you voluntarily provide when contacting us

B. Credit and Financial Information

To the extent necessary to provide requested services, we may collect information relating to your credit profile or financial circumstances, including:

Credit-report information

Credit-account information

Account balances

Payment history

Information concerning reported debts

Public-record information contained in credit reports

Information concerning disputes

Information regarding creditors and collection accounts

Financial information you voluntarily provide

Documentation necessary to evaluate or provide requested services

C. Identification and Verification Information

Where reasonably necessary to provide services, verify identity, prevent fraud, or comply with applicable law, we may collect information such as:

Date of birth

Identification or verification information

Information used to authenticate your identity

Other information reasonably necessary to distinguish you from another individual

We will request only information reasonably necessary for the applicable purpose.

D. Website and Device Information

When you visit our website, certain technical information may automatically be collected, including:

IP address

Browser type

Device type

Operating system

Pages visited

Referring website

Approximate geographic information

Date and time of visits

Website interactions

Cookies and similar technologies

2. HOW WE COLLECT INFORMATION

We may collect information:

Directly from you

Through our website

Through online forms

During telephone conversations

Through email

Through text/SMS communications

During consultations

Through documents you voluntarily provide

Through third-party platforms used to provide our services

From consumer-reporting or other legally permissible sources when applicable

From service providers acting on our behalf

We may combine information collected from different sources when reasonably necessary to provide services, maintain records, communicate with you, prevent fraud, or comply with legal obligations.

3. HOW WE USE YOUR INFORMATION

Empower Credit Solutions may use personal information for legitimate business and service-related purposes, including:

Providing and administering requested services

Evaluating your service needs

Communicating with you about your account

Responding to questions and inquiries

Scheduling consultations or appointments

Sending appointment confirmations and reminders

Requesting documents or information needed to provide services

Providing customer support

Processing transactions where applicable

Maintaining client records

Managing our business operations

Improving our website and services

Preventing fraud, abuse, and unauthorized activity

Maintaining website and information security

Complying with legal and regulatory obligations

Responding to lawful governmental requests

Enforcing our agreements and policies

Sending educational or informational communications

Sending promotional communications when permitted and where appropriate consent has been obtained

We do not use your information for purposes materially different from those described in this Privacy Policy without providing additional notice where required by applicable law.

4. CREDIT INFORMATION

Because Empower Credit Solutions provides credit-related services, information concerning your credit profile may be necessary to provide those services.

We may use credit-related information to:

Understand the information you ask us to review

Identify information relevant to requested services

Assist with authorized credit-report review activities

Prepare or administer requested services

Communicate with you regarding your service

Maintain records of work performed

Empower Credit Solutions does not guarantee that any credit score, credit report, account, or other information will change as a result of our services.

We do not promise a specific credit-score increase, deletion of accurate negative information, approval for credit, or particular financial outcome.

5. INFORMATION SHARING

Empower Credit Solutions may disclose information when reasonably necessary to operate our business and provide requested services.

We may share information with:

Service Providers

We may use trusted third-party vendors that assist us with:

Website hosting

Customer relationship management

Appointment scheduling

Communication services

SMS/text messaging

Email delivery

Payment processing

Data storage

Document management

Information security

Analytics

Customer support

Business administration

These providers may have access to information only as reasonably necessary to perform services on our behalf.

Legal and Regulatory Purposes

We may disclose information when we reasonably believe disclosure is necessary to:

Comply with applicable law

Respond to subpoenas, court orders, or legal process

Respond to governmental or regulatory requests

Protect our rights or property

Investigate fraud or security incidents

Protect the safety of our clients, employees, or others

Enforce agreements or policies

Business Transfers

If Empower Credit Solutions is involved in a merger, acquisition, financing, restructuring, sale of assets, or similar transaction, information may be transferred as part of that transaction, subject to applicable law.

6. WE DO NOT SELL YOUR PERSONAL INFORMATION

Empower Credit Solutions does not sell your personal information for money.

We may use third-party technology providers to operate our website, communications, marketing, analytics, and business systems. Some of these relationships may involve information being processed by a third party on our behalf.

7. TEXT MESSAGE AND SMS COMMUNICATIONS

If you provide your mobile telephone number and separately consent to receive text messages, Empower Credit Solutions may send SMS/text messages related to your interaction with us.

These communications may include:

Appointment confirmations

Appointment reminders

Consultation information

Client-service notifications

Requests for information or documentation

Account-related communications

Customer-support communications

Service updates

Educational messages

Promotional or marketing messages, where separately authorized and permitted by law

Message frequency may vary.

Message and data rates may apply depending on your mobile carrier and plan.

Consent to receive marketing text messages is not a condition of purchasing services from Empower Credit Solutions LLC.

Opting Out of Text Messages

You may revoke consent to receive SMS/text messages by replying:

STOP

You may also use another reasonable method of communicating your desire to stop receiving messages.

After an opt-out request, Empower may send a limited confirmation message where permitted. Future messages for which consent is required will be discontinued, subject to applicable law and any necessary administrative processing.

The FCC recognizes "STOP," "QUIT," "END," "REVOKE," "OPT OUT," "CANCEL," and "UNSUBSCRIBE" as examples of standard text-based revocation language.

Help

For assistance with SMS communications, reply:

HELP

or contact Empower Credit Solutions using the contact information provided on our website.

Service Communications

Opting out of marketing or promotional messages does not necessarily prevent Empower from communicating with you about an existing service relationship when such communication is necessary to provide services you requested, respond to an inquiry, administer your account, or comply with legal obligations.

Where applicable law requires prior express written consent for automated marketing calls or texts, Empower will obtain and maintain the appropriate consent. FCC rules address consent and provide consumers with rights to revoke consent through reasonable means.

8. EMAIL COMMUNICATIONS

We may use your email address to communicate with you regarding:

Services you request

Your account

Appointments

Documentation

Customer support

Important service notices

Educational information

Promotional communications

You may unsubscribe from promotional emails by using the unsubscribe mechanism included in the applicable email.

Unsubscribing from marketing emails does not necessarily prevent transactional or service-related emails that are necessary to provide requested services.

9. TELEPHONE COMMUNICATIONS

We may contact you by telephone concerning:

Your inquiry

Your consultation

Your account

Requested services

Appointments

Customer support

Documentation

Other service-related matters

Where applicable law requires consent for automated, prerecorded, or artificial-voice communications, we will seek the appropriate consent.

You may request that we discontinue certain types of calls by contacting us.

10. COMMUNICATION CONSENT

Providing your telephone number or email address does not, by itself, necessarily constitute consent to receive every category of communication.

Where consent is legally required, Empower will seek the appropriate consent for the applicable communication.

You may revoke consent where permitted by law.

Your communication preferences may be maintained in our systems so that we can honor applicable opt-out and do-not-contact requests.

11. COOKIES AND TRACKING TECHNOLOGIES

Our website may use cookies, pixels, analytics tools, tags, and similar technologies.

These technologies may help us:

Operate our website

Remember preferences

Understand website usage

Measure website performance

Improve user experience

Monitor security

Understand marketing effectiveness

You may be able to control cookies through your browser settings.

Disabling certain cookies may affect website functionality.

12. THIRD-PARTY WEBSITES AND SERVICES

Our website or communications may contain links to third-party websites, applications, or services.

Empower Credit Solutions is not responsible for the privacy practices, security, or content of third-party websites.

We encourage you to review the privacy policies of third-party services before providing information to them.

13. DATA SECURITY

Empower Credit Solutions takes reasonable administrative, technical, and physical measures designed to protect personal information from unauthorized access, disclosure, alteration, or destruction.

Depending on the nature of the information, safeguards may include:

Access controls

Password protections

Authentication measures

Restricted employee access

Secure technology systems

Vendor security controls

Monitoring and administrative safeguards

However, no method of electronic transmission or storage can be guaranteed to be completely secure.

Accordingly, we cannot guarantee absolute security of information transmitted to or stored by us.

14. ACCESS TO PERSONAL INFORMATION

You may contact us to request information about the personal information we maintain about you, subject to applicable law and reasonable verification requirements.

We may need to verify your identity before processing certain requests.

We may also be unable to provide certain information when disclosure is prohibited or restricted by law, compromises another person's privacy, or would interfere with legal or security obligations.

15. CORRECTION OF INFORMATION

If you believe information maintained by Empower Credit Solutions is inaccurate or incomplete, you may contact us and request that we review the information.

We will evaluate requests in accordance with our records and applicable law.

Please note that information appearing on a consumer credit report may be maintained by a separate consumer reporting agency or furnisher. Requests concerning the accuracy of information maintained by those entities may need to be directed to the appropriate entity.

16. DATA RETENTION

We retain personal information for as long as reasonably necessary to:

Provide requested services

Maintain business and client records

Comply with legal requirements

Resolve disputes

Enforce agreements

Prevent fraud

Maintain security

Meet regulatory or accounting obligations

The length of time information is retained depends on the nature of the information and the reason it was collected.

When information is no longer reasonably required, we may securely delete, destroy, anonymize, or otherwise dispose of it, subject to applicable retention requirements.

17. CHILDREN'S PRIVACY

Our services are not directed toward children under the age of 18.

We do not knowingly collect personal information from children under 18 through our website.

If we learn that we have collected personal information from a child under 18 without appropriate authorization, we will take reasonable steps to delete the information.

18. YOUR STATE PRIVACY RIGHTS

Depending on where you reside, you may have additional privacy rights under applicable state law.

These rights may include, where applicable:

The right to know what personal information is collected

The right to request access

The right to request correction

The right to request deletion

The right to opt out of certain types of data processing

The right to appeal a privacy-related decision

The right to nondiscrimination for exercising applicable privacy rights

Because state privacy laws vary and may contain exemptions for financial institutions or information governed by federal law, your rights may depend on the circumstances and the laws applicable to you.

To exercise an applicable privacy right, contact Empower Credit Solutions using the contact information below.

19. FINANCIAL PRIVACY

Empower Credit Solutions takes the privacy of personal financial information seriously.

Where applicable, we will maintain and provide privacy notices and safeguards consistent with applicable federal and state requirements.

Federal financial privacy rules can impose requirements concerning the disclosure and protection of nonpublic personal information, including requirements concerning privacy notices and certain opt-out rights.

Our privacy practices are intended to be consistent with our legal obligations and the services we provide.

20. CREDIT REPAIR COMPLIANCE

Empower Credit Solutions operates in the credit-services industry and intends to comply with applicable federal and state laws governing credit-repair services.

Federal law, including the Credit Repair Organizations Act, contains requirements concerning representations, contracts, fees, and consumer cancellation rights for covered credit-repair organizations.

This Privacy Policy addresses privacy and information practices only. It does not replace or modify any separate Credit Repair Agreement, Terms of Service, required consumer disclosures, or other legally required documents.

Nothing in this Privacy Policy should be interpreted as a guarantee of a particular credit outcome.

21. INFORMATION YOU PROVIDE ABOUT OTHER PEOPLE

If you provide Empower Credit Solutions with personal information concerning another individual, you represent that you have the authority or appropriate permission to provide that information where such authorization is required.

You should not provide personal information belonging to another person unless doing so is appropriate and legally permitted.

22. EMPLOYEE AND CONTRACTOR ACCESS

Access to personal information may be limited to employees, contractors, agents, and service providers who reasonably need the information to perform their assigned responsibilities.

Individuals with access may be subject to confidentiality and security obligations.

23. DATA INCIDENTS

If Empower Credit Solutions becomes aware of a security incident involving personal information, we will evaluate the incident and take reasonable steps consistent with applicable law.

Where notification is legally required, we will provide notice in the manner and within the timeframe required by applicable law.

24. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy periodically to reflect changes in:

Our services

Our information practices

Technology

Applicable law

Regulatory requirements

Business operations

When we update this Privacy Policy, we will revise the "Last Updated" date at the top of this page.

Your continued use of our website after an updated Privacy Policy becomes effective constitutes acknowledgment of the updated policy to the extent permitted by law.

25. CONTACT US

If you have questions about this Privacy Policy, want to update your communication preferences, or wish to submit a privacy-related request, contact:

Empower Credit Solutions LLC

Email: [email protected]
Phone: 205.852.27.05
Website: empower-fs.com

Privacy requests should include enough information for us to understand and respond to the request. We may request reasonable verification before providing access to or changing personal information.

26. ACKNOWLEDGMENT

By using our website, submitting information to Empower Credit Solutions LLC, or voluntarily providing information through our forms or other communication channels, you acknowledge that you have had an opportunity to review this Privacy Policy.

This Privacy Policy should be read together with any applicable Terms of Service, Credit Repair Agreement, SMS Terms, consent disclosures, and other notices provided by Empower Credit Solutions LLC.