Privacy Policy

Information You Provide Directly

• Contact & Consultation Forms: Name, email address, phone number, and any details you include in your message.
• Client Portal Accounts: Name, email, phone, mailing address, and account credentials. Passwords are stored using one-way cryptographic hashing — never in plain text.
• SMS/Text Consent: If you opt in to receive text messages, we collect your phone number and consent preference. No mobile information is shared with third parties for marketing.

Information Collected Automatically

• Analytics Data: We use self-hosted analytics to understand how visitors use our website. This data is stored on our own servers and never shared with third-party advertising platforms.
• Cookies: See Section 5 (Cookies) below for full details on the cookies we use.
• IP Addresses: Your IP address may be logged for security, rate limiting, and fraud prevention. It is not used for tracking or profiling.
• Location Data: Anonymous location data may be collected to customize and improve our services, without personal identification.

• To provide credit repair and credit education services as described in your service agreement.
• To respond to inquiries submitted through our contact and consultation forms.
• To manage your client portal account and send transactional communications (login links, status updates).
• To send SMS/text messages if you have opted in.
• To analyze website usage in order to improve our website and services.
• To comply with legal obligations, including the Credit Repair Organizations Act (CROA) and applicable state regulations.
• To detect and prevent fraud, unauthorized access, and abuse of our systems.

Your information may be shared only in the following limited circumstances:

• Service Providers: We work with credit bureaus and creditors as necessary to provide credit repair services. Vendors access data under confidentiality agreements.
• Hosting Provider: Our website hosting provider processes data on our behalf under appropriate data protection agreements.
• Legal Requirements: We may disclose information if required by law, court order, or government regulation.
• Business Transfers: In the event of a merger or acquisition, your personal information may transfer to the successor as part of that transaction.

• All data is transmitted over HTTPS (TLS encryption) between your browser and our servers.
• Passwords are hashed using cryptographic methods. We never store passwords in plain text.
• Portal authentication tokens (login links and one-time codes) are stored as hashed values and automatically expire after a short period.
• Access to personal data is restricted to authorized personnel on a need-to-know basis.
• Data Retention: We may retain personal data as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, and resolve disputes.

We use a granular cookie consent system that gives you control over which cookies are active on your device.

Necessary Cookies

These cookies are required for the website to function and cannot be disabled. They include session cookies and security cookies that protect against cross-site request forgery.

Analytics Cookies

These cookies are used by our self-hosted analytics system to understand how visitors use our website. Analytics cookies are only set if you explicitly grant consent. Analytics data is stored on our own server, never shared with third parties, and never used for advertising.

Third-Party Cookies

Third-party advertising companies may use cookies and web beacons to measure advertising effectiveness. Any information these third parties collect is completely anonymous. You may opt out through your browser's privacy settings.

You have the right to:

• Access the personal information we hold about you.
• Correct inaccurate or incomplete personal information.
• Delete your personal information, subject to our legal retention obligations.
• Withdraw consent for analytics cookies at any time via the Cookie Settings link in our footer.
• Opt out of SMS/text messages at any time by replying STOP.
• Opt out of promotional communications by emailing info@jbricreditgroup.com with REMOVE in the subject line.

JBRI Credit Group operates in compliance with the Credit Repair Organizations Act (15 U.S.C. §1679 et seq.). As required by CROA:

• We provide a written disclosure of your rights before you sign any contract.
• We do not charge fees before services are fully rendered.
• You have the right to cancel your contract within three business days of signing without penalty.
• We do not make misleading claims about what credit repair can achieve.

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us so we can delete it.

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page. We encourage you to review this page periodically to stay informed about how we protect your information.

Our website may contain links to other websites. JBRI Credit Group is not responsible for the privacy practices or content of these linked websites.