Blitz Enhancement LLC ("Blitz Enhancement," "we," "us," or "our") provides credit enhancement, credit education, and business funding referral services. This Privacy Policy explains what personal information we collect, how we use and share it, and the choices available to you. By using our website, our client portal, or our services, you agree to the practices described here.
1. Information We Collect
We may collect the following categories of information:
- Identity & contact information: name, mailing address, email address, phone number, date of birth.
- Government & financial identifiers: Social Security number and other information needed to pull or dispute items on your credit report.
- Credit report data: information from your consumer credit reports and files obtained from credit bureaus (e.g., Equifax, Experian, TransUnion) for the purpose of credit analysis and dispute preparation.
- Financial account information: bank account and transaction information you choose to connect through a third-party financial data provider (e.g., Plaid) for identity verification, funding applications, or payment processing.
- Payment information: billing details processed by our payment processor(s). We do not store full payment card numbers ourselves.
- Client portal data: account credentials and case information submitted through our client portal.
- Website usage data: IP address, browser/device type, pages visited, and similar data collected automatically via cookies, Google Tag Manager, and the Meta (Facebook) Pixel.
- Communications: records of calls, emails, and messages between you and Blitz Enhancement.
2. How We Use Your Information
We use the information we collect to:
- Provide credit report analysis, credit education, and dispute preparation assistance.
- Verify your identity and, where applicable, your bank account information for funding or payment purposes.
- Process payments and manage your account, including subscriptions or installment plans.
- Refer you to third-party business funding partners when you request funding services.
- Communicate with you about your case, account, and our services.
- Comply with the Credit Repair Organizations Act (CROA) and other applicable federal and state law.
- Improve our website and marketing through analytics and advertising tools (e.g., Google Tag Manager, Meta Pixel).
- Detect, investigate, and prevent fraud or unauthorized activity.
5. Data Security
We use administrative, technical, and physical safeguards designed to protect your personal information. No method of transmission or storage is 100% secure, and we cannot guarantee absolute security.
6. Data Retention
We retain personal information for as long as necessary to provide our services, comply with legal and regulatory obligations (including CROA recordkeeping requirements), resolve disputes, and enforce our agreements — generally for the duration of your engagement with us plus a reasonable period afterward as required by applicable law.
7. Your Rights & Choices
Depending on your state of residence, you may have rights to access, correct, or request deletion of your personal information, or to opt out of certain uses. To exercise these rights, contact us using the information in the Contact Us section below.
8. Children's Privacy
Our services are not directed to individuals under 18, and we do not knowingly collect personal information from children.
9. Changes to This Policy
We may update this Privacy Policy from time to time. The "Effective Date" above reflects the date of the most recent revision. Continued use of our services after changes are posted constitutes acceptance of the updated policy.