Privacy Policy | Consumers Wealth Enterprises

Last Updated: October 12th, 2024

Your privacy is important to Consumers Wealth Enterprises, LLC (“Consumers Wealth Enterprises,” “CWE,” “we,” “us,” or “our”). This Privacy Policy explains how we collect, use, disclose, protect, and store your information when you visit our website, enroll in our credit restoration services, or interact with our advertising or communications.

By accessing our website, using our services, or agreeing to content that links to this Privacy Policy, you consent to the practices described in this document and acknowledge that you have reviewed our Terms and Conditions.

1. Information We Collect

Consumers Wealth Enterprises collects both Personal Information and Non-Personal Information to provide and improve our services. Personal Information refers to data that identifies or can be used to contact you directly, such as your full name, date of birth, mailing address, email address, phone numbers, Social Security Number or Taxpayer Identification Number, credit report data, payment details, account login credentials, identity verification data, and government-issued identification documents. This information is collected when you complete forms on our website, request support, enroll in our credit restoration or consulting services, interact with our advertisements, authorize us to access your credit reports, or communicate with us by phone, email, SMS, or online portals. Sensitive Personal Information includes data such as your Social Security Number, credit data, and limited financial account identifiers, which we use solely to verify your identity and provide regulated credit services. We also receive information from third-party sources, including credit bureaus, public databases, data aggregators, identity verification partners, and service providers.

2. How We Use Personal Information

We use your Personal Information to operate, manage, and enhance our services. This includes verifying your identity, accessing and reviewing credit reports, challenging inaccurate or unverifiable credit items, communicating with credit bureaus and creditors on your behalf, updating you on case progress, processing payments, and maintaining your account. We may use your contact information to send account updates, confirm transactions, provide educational credit content, or offer recommended services, as permitted by law. Your mobile number may be used for secure account verification, identity checks, alerts, reminders, and service notifications, though it will never be shared with third parties for SMS marketing and standard message rates may apply. Where allowed, we use your information for marketing, analytics, personalized offers, and targeted ads; however, you may opt out at any time. Personal Information may also be used for legal and security purposes, including fraud prevention, compliance with federal regulations such as FCRA and CROA, and responding to lawful requests or court orders.

3. Non-Personal Information

We also collect Non-Personal Information, which does not directly identify you but helps us improve our services and website experience. This information may include device details such as IP address, browser type, and operating system version, as well as website activity data, including pages viewed, clicks, time spent on pages, referring and exit pages, and anonymous technical identifiers. We may also gather information through cookies, tracking pixels, web beacons, aggregated analytics, and anonymized usage patterns. This data allows us to enhance website functionality, understand visitor behavior, optimize performance, deliver more relevant advertisements, and conduct trend analysis. When Non-Personal Information is linked to Personal Information, we treat the combined data as Personal Information.

4. Cookies and Tracking Technologies

Consumers Wealth Enterprises uses cookies and similar tracking technologies to recognize returning visitors, store user preferences, analyze website trends, improve performance, deliver targeted advertising, and maintain secure logins. You may disable cookies in your browser settings; however, certain features of the site may not function properly without them. We may use session and persistent cookies, tracking pixels, session replay tools, and third-party analytics such as Google Analytics. You may opt out of analytics tracking by using the Google Analytics Opt-Out Browser Add-On or adjusting your browser’s privacy settings.

5. How We Share Information

We do not sell your Personal Information for monetary gain under any circumstances. We only share Personal Information with your consent or when necessary to provide our services. This may include sharing information with trusted third-party service providers who help process payments, manage client files, obtain credit reports, facilitate dispute processes, offer customer support, conduct analytics, secure our systems, or verify identities. These parties are contractually required to protect your information. We may also disclose Personal Information to comply with legal obligations, respond to subpoenas or investigations, prevent fraud, or safeguard our rights and clients. In the event of a business merger, restructuring, or asset transfer, your information may be transferred according to law. Additionally, we may share aggregated, anonymized data that does not identify you personally.

6.Advertising, Analytics & Consumer Choices

We may partner with third-party advertising networks to display ads based on your interactions with our website. These third parties may use cookies or similar technologies to customize advertising content and measure its effectiveness. You may opt out of targeted advertising by adjusting your Google Ads Settings, visiting the Network Advertising Initiative opt-out page, or managing your browser’s cookie settings. Please note that disabling certain cookies may impact the functionality of our website and limit your ability to use some features.

7. Social Media Integrations

Our website may include links or plug-ins from social platforms such as Facebook, Instagram, LinkedIn, Twitter, and Google. When you interact with these features, information may be transmitted between our website and the social network, including data about your profile, preferences, and browsing behavior. Each social media platform’s privacy policy governs how your information is used, stored, and shared. To minimize data sharing, you may log out of your social media accounts before visiting our website or adjust your account privacy settings on each platform.

8. Information Security and Data Retention

Consumers Wealth Enterprises employs technical, administrative, and physical safeguards to protect your information from unauthorized access, loss, misuse, or disclosure. These measures include SSL encryption, secure client portals, multi-factor authentication, firewalls, intrusion prevention systems, controlled data access, and regular security audits. Despite these efforts, no method of online transmission is completely secure. Personal Information is retained only as long as necessary to provide services, comply with legal obligations, maintain business records, resolve disputes, or defend against potential claims. Typically, information is retained for up to seven (7) years after account closure unless a longer period is legally required. We may deny deletion requests if doing so would violate law, compromise security, endanger another person’s privacy, or affect data stored in non-editable backups.

9. Third-Party Privacy Practices

This Privacy Policy applies solely to Consumers Wealth Enterprises and does not govern third-party websites, applications, advertisers, credit bureaus, payment processors, or external service providers. If you interact with or provide information to third parties through links, integrations, or external services, their policies and practices control how your data is collected and used. We encourage you to review the privacy policies of any third-party service you choose to engage with before submitting personal information.

10. Children’s Privacy

Consumers Wealth Enterprises does not knowingly collect or solicit Personal Information from children under the age of 17. If we discover that we have inadvertently collected such information, we will promptly delete it from our systems. Parents or guardians who believe that a child’s information has been provided to us may contact us directly for assistance and immediate removal.

11. Changes to This Privacy Policy

We may update or modify this Privacy Policy periodically to reflect changes in our practices, services, legal obligations, or technology. When updates occur, the “Last Updated” date at the top of this document will be revised. All changes take effect immediately upon posting on our website. By continuing to use our services after updates are posted, you acknowledge and accept the modified Privacy Policy.

12. Your Rights and Choices

Depending on your location and applicable state laws, you may have specific rights regarding your Personal Information. These rights may include the ability to access your data, correct inaccuracies, request deletion where appropriate, opt out of marketing communications, request copies of stored data, or limit the use of sensitive information. For your protection, we will verify your identity before processing any request. Verification may require your full name, phone number, date of birth, address, the last four digits of your Social Security Number, and identity confirmation through secure authentication prompts.

If you have questions, concerns, or requests related to this Privacy Policy, you may contact us at:

Consumers Wealth Enterprises, LLC

Address:8735 Dunwoody Place, Suite R Atlanta, GA 30350

Email: info@consumerswealthenterprises.com

Phone: (706) 588-6355

Website: www.consumerswealthenterprises.com

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