Privacy Policy

Last updated: April 1, 2026

PDX Credit Restore ("we," "us," or "our") is committed to protecting the privacy of our clients and website visitors. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at pdxcreditrestore.com or engage our services.

Information We Collect

We may collect personal information that you voluntarily provide to us, including:

• Contact information: name, email address, phone number
• Credit-related information: credit reports, credit scores, debt balances, and related financial details you share with us during the course of our services
• Booking information: scheduling details when you book a consultation through our calendar system
• Form submissions: any information you provide through contact forms, referral forms, or seminar request forms on our website
• Communication records: messages, emails, and call records related to our services

How We Use Your Information

We use the information we collect to:

• Provide credit repair, debt negotiation, and credit education services
• Schedule and conduct consultations and sessions
• Communicate with you about our services, your action plan, and your progress
• Respond to your inquiries and contact form submissions
• Send appointment reminders and follow-up communications
• Comply with legal and regulatory obligations, including those under the Credit Repair Organizations Act (CROA), Fair Credit Reporting Act (FCRA), and Oregon state law (ORS 697)
• Improve our website and services

How We Protect Your Information

We take the security of your personal and financial information seriously. We implement appropriate technical and organizational measures to protect your data, including:

• Encrypted communications for all video sessions (Google Meet)
• Secure storage of credit reports and client documents
• Limited access to personal information on a need-to-know basis
• Secure payment processing through Stripe (we never store your credit card numbers)

Information Sharing

We do not sell, rent, or trade your personal information to third parties. We may share your information only in the following limited circumstances:

• With your consent: For example, if you authorize us to communicate with your realtor or lender about your credit repair progress
• Service providers: We use third-party tools to operate our business, including Cal.com (scheduling), Formspree (contact forms), Stripe (payments), and Google Workspace (communication). These providers have their own privacy policies and are bound by their terms of service
• Legal obligations: If required by law, regulation, legal process, or governmental request
• Debt negotiation: When acting on your behalf under a limited power of attorney, we may communicate with creditors and collection agencies as authorized by you

Cookies and Tracking

Our website uses minimal tracking. We use Cloudflare analytics, which is cookie-free and privacy-focused. If you use our Cal.com booking widget or Formspree contact forms, those third-party services may use their own cookies. We do not use advertising cookies or retargeting pixels unless explicitly stated.

Your Rights

You have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information, subject to legal retention requirements
• Withdraw consent for communications at any time
• Cancel our services within 3 business days of signing a contract for a full refund, as required by the Credit Repair Organizations Act

Credit Repair Specific Disclosures

In accordance with the Credit Repair Organizations Act (CROA) and Oregon law:

• You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly at no cost
• Anything a credit repair organization can do for you legally, you can do for yourself at little or no cost
• You have the right to cancel any contract with a credit repair organization within 3 business days
• No one can guarantee specific results from credit repair services

Data Retention

We retain your personal information only for as long as necessary to provide our services and comply with legal obligations. Credit repair records are retained for a reasonable period after services conclude, as required by applicable regulations. You may request deletion of your data at any time by contacting us.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.

Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights regarding your personal information, please contact us:

PDX Credit Restore
Phone: (503) 893-5810
Facebook: facebook.com/pdxcreditrestore
Website: pdxcreditrestore.com