2026 Privacy Policy — KeyPoint Credit Services

At KeyPoint Credit Services, privacy is a core part of the trust we build with every client. We are committed to maintaining the highest standards of confidentiality, security, and compliance with all applicable federal and California state laws.

1. Information We Collect

We collect information necessary to provide credit-related services, including:

• Personal information (name, email, phone number, uploaded documents)
• Credit-report information you voluntarily provide
• Automatic website data (IP address, device information, cookies)

2. How We Use Information

We use collected information for:

• Providing credit consulting services
• Reviewing credit report data
• Scheduling services and client communication
• Legal compliance and internal record-keeping

3. Compliance With 2026 California & Federal Laws

We comply with the California Privacy Rights Act (CPRA 2026), Fair Credit Reporting Act (FCRA), Credit Repair Organizations Act (CROA), Federal Trade Commission (FTC) privacy rules, and all applicable federal regulations.

4. Sharing Information

Information may be shared only with:

• Authorized service providers required to deliver services
• Legal or regulatory authorities when required by law
• New business entities in the event of a merger, acquisition, or company transfer

We never sell personal data.

5. Data Security

We maintain enterprise-level safeguards including SSL encryption, firewalls, secure hosting environments, and restricted CRM access.

6. Your Privacy Rights

You may request access, corrections, deletion, restriction of use, or copies of your personal information by contacting:

[email protected]

7. Data Retention

We retain personal data only for as long as necessary to provide services, meet legal obligations, and maintain required business records.

8. Cookies

We may use cookies and analytics tools to improve website performance and enhance user experience.

9. Children’s Privacy

Our services are intended exclusively for individuals aged 18 and older.

10. Third-Party Links

We are not responsible for the privacy practices or content of external websites linked from our site.

11. Policy Updates

Any updates to this Privacy Policy will be posted on this page with a revised Effective Date.

12. Contact Information