Terms of use:
By using this website, engaging our credit repair services & business credit building services, requesting our credit repair services & business credit building services, or participating in our Text Message Program, you are entering into a Website Terms of Use Agreement (“Website Terms”) with Liberty Credit Experts LLC. In this agreement, “LCX,” “we,” or “us” refer to Liberty Credit Experts LLC, including its past, present, or future parents, subsidiaries, affiliates, predecessors, assignees, successors, and their respective agents, employees, directors, officers, partners, and members (whether acting in their corporate or individual capacity). Our principal place of business is located at 3901 North Federal Highway #201 Boca Raton FL 33431.
Please note that these Website Terms, despite any contradictory language, hold the same legal weight as a written agreement. They govern your use of this website (referred to as the “Website”) and its content, as well as your engagement of our credit repair services & business credit building services, your request for us to contact you regarding our credit repair services & business credit building services, and/or your participation in our Text Message Program.
The Text Message Program encompasses both sending text messages to LCX and receiving text messages from LCX.
By continuing to access and use the Website, engage our credit repair services & business credit building services, request our credit repair services & business credit building services, or participate in our Text Message Program, you indicate your acceptance of these Website Terms. We recommend reviewing these terms periodically, as they may be subject to updates or revisions
Your agreement to the Website Terms is implied by your use of the website, engagement of LCX’s credit repair services & business credit building services, request for LCX to contact you about its credit repair services & business credit building services, and/or participation in LCX’s Text Message Program.
LCX’s Privacy Policy is applicable to your use of LCX’s website, all services provided by us, your request for LCX to contact you about its credit repair services & business credit building services, and/or your participation in LCX’s Text Message Program. The terms of the Privacy Policy are incorporated into the Website Terms. You can view LCX’s Privacy Policy by clicking here. By using LCX’s website, engaging our services, requesting that LCX contact you about its credit repair services & business credit building services, and/or participating in LCX’s Text Message Program, you confirm that you have reviewed LCX’s Privacy Policy and agree to its terms.
By utilizing LCX’s website, engaging our credit repair services & business credit building services, requesting that LCX contact you about its credit repair services & business credit building services, and/or participating in LCX’s Text Message Program, you consent to the resolution of all claims between you and LCX through individual arbitration. This means that any case, controversy, dispute, tort, disagreement, lawsuit, legal action, or claim between you and LCX, whether it pertains to an alleged violation of state or federal statutes or a dispute regarding the interpretation or arbitrability of the Website Terms, must be resolved through individual arbitration. This agreement to arbitrate applies to all past, current, and future interactions with LCX.
By agreeing to arbitration, you are waiving your rights to a trial by jury, participating in a class action lawsuit or class action arbitration, and bringing an action against LCX in a court of law. You have the option to individually arbitrate any claim against LCX in any jurisdiction within the United States. LCX will reimburse you up to $300 for your arbitration filing fee. The arbitration process will be governed by the rules of the American Arbitration Association, except when the Website Terms supersede any inconsistencies between the two. The arbitrator will have the authority to interpret the Website Terms, including determining the arbitrability of any claim, as well as making decisions regarding the scope of arbitration, arbitration rules, the arbitrator’s jurisdiction, and the enforceability of the Website Terms.
You acknowledge that the Website Terms involve commerce under 9 U.S.C. §§ 1 et seq. and that the Arbitration Clause is governed by federal law, including the Federal Arbitration Act. The remaining provisions of the Website Terms are governed by the laws of the state of Florida, as outlined in Section 17 below.
These are the terms and conditions provided by LCX, a credit repair service, for using their website and engaging their services. Here is a summary of the key points:
- Agreement: By using the website, you agree to the terms and conditions. If you do not agree, you should not use the website.
- Website Information: The website provides information about LCX’s credit repair services & business credit building services, educational resources about credit, and the ability to sign up for their services.
- Engagement of Services: You can use the website without engaging LCX’s services. However, if you want their assistance in improving your credit, you must engage their services and provide accurate information. Each engagement is for a single person unless you have a Power of Attorney.
- Case Files: If you engage LCX’s services, you will enter into a separate written agreement called a “Case File.” The Case File is subject to terms and instructions, LCX’s policies and procedures, and applicable laws and regulations.
- Access to Case Files: You authorize LCX to provide access to your Case File through their online services. You can access your Case File on the client website using a password and required hardware and software. The Case File information is posted when work is completed.
- Ownership: LCX owns the content on the website, including text, images, trademarks, and technology. You may not remove any copyright or trademark notices.
- Use of Website and Materials: You can use the website and materials for individual, non-commercial purposes and for transactions with the website. Any other use is prohibited. You should not interfere with the website’s proper functioning or violate the rights of others.
- License: By using the website, you grant LCX a license to use and distribute any materials or information you submit. Anonymous, aggregate information may also be used for various purposes.
- Automated Activity: You should not use any automated means to access the website without permission, including bypassing robot exclusion methods.
- Linking: You can provide links to the website’s homepage with certain conditions. Permission is required for linking to specific sections.
- Representations: You represent that you are legally capable, provide accurate information, comply with the terms and applicable law, and will not violate the rights of third parties.
- Export Controls: The services and website are subject to U.S. export controls. You agree not to use them in countries or with individuals listed under U.S. sanctions.
- Disclaimer: LCX strives for accurate information but does not guarantee it. They are not responsible for any resulting loss or damage.
- Warranty, Liability, Indemnification: LCX provides no warranties and shall not be liable for any damages or losses resulting from the use of the website or materials. You agree to indemnify and hold LCX harmless from any claims or liabilities.
- Privacy: LCX collects and processes data in accordance with their Privacy Policy.
It’s important to review the full terms and conditions on LCX’s website for complete information and understanding.
Privacy Policy
Thank you for providing an excerpt from Liberty Credit Experts LLC’s Privacy Policy. It states that the terms “LCX,” “we,” “our,” and “us” refer to Liberty Credit Experts LLC throughout the document. By visiting their website or agreeing to content that includes a link to the Privacy Policy (such as online ads), you agree to the practices outlined in the Privacy Policy and their Terms of Use.
The Privacy Policy explains how Liberty Credit Experts LLC collects, uses, discloses, transfers, and stores your information. It’s important to read the Privacy Policy carefully to understand these practices. Additionally, the Privacy Policy mentions that specific state privacy protections can be found in Section 13 of the document.
If you have any specific questions or concerns about Liberty Credit Experts LLC’s Privacy Policy or would like me to provide information on a particular section, please let us know by contacting 561-208-1105 or emailing us at info@libertycreditexperts.co
According to the excerpt you provided, Liberty Credit Experts LLC collects and uses personal information, which includes information that can be used to uniquely identify or contact an individual. This personal information may include your name, address, email address, phone numbers, Social Security Number, or Taxpayer Identification Number.
You may be asked to provide personal information when you interact with Liberty Credit Experts LLC, their online ads, or their related companies. This can occur in various situations, such as when you complete or abandon a transaction or when you request information from them. Liberty Credit Experts LLC and its related companies and service providers may share your personal information with each other and use it in a manner consistent with their Privacy Policy.
Additionally, Liberty Credit Experts LLC reserves the right to supplement the personal information you provide with information obtained from other sources. These sources may include credit bureaus, public databases, data aggregators, and other commercially-available sources.
It’s important to review the complete Privacy Policy of Liberty Credit Experts LLC to understand the full scope of their data collection, use, and sharing practices. If you have any specific questions about their privacy practices, feel free to ask.
According to the excerpt you provided, Liberty Credit Experts LLC collects various types of personal information from individuals, including:
- Name
- Mailing address
- Email address
- Phone number
- Payment information
In addition to this personal information, Liberty Credit Experts LLC also collects sensitive personal information such as Social Security Numbers or Taxpayer Identification Numbers. Throughout their Privacy Policy, both personal information and sensitive personal information are referred to as Personal Information, unless specified separately when required.
The purpose of collecting this Personal Information is to:
- Verify your identity
- Deliver requested products and services
- Provide you with information and offers from Service Providers and Related Companies
- Stay in contact with you
- Manage Liberty Credit Experts LLC’s relationship with you
Service Providers and Related Companies are financial and non-financial companies that assist Liberty Credit Experts LLC in providing services to their clients. Additionally, Liberty Credit Experts LLC may have contractual relationships with third-party companies to provide marketing offers to their clients.
By providing your Personal Information to Liberty Credit Experts LLC, you are consenting to the transfer and storage of that information by them.
Please note that this is a partial explanation based on the excerpt provided. To fully understand the data collection, usage, and storage practices of Liberty Credit Experts LLC, it’s important to refer to their complete Privacy Policy. If you have any specific concerns or questions about their data practices, reach out to Liberty Credit Experts LLC directly.
The excerpt you provided pertains to the text or SMS notification program of {libertycreditexpers.co}. By replying “AGREE” to receive these notifications, you have consented to receive recurring text messages containing updates to your account and credit from {libertycreditexperts.co}. These messages may be sent from an auto-dialing system.
It’s important to note that message and data rates may apply when receiving these text messages. If you wish to cancel the text notifications, you can do so by texting “STOP” to the number from where you received the text message. For assistance, you can text “HELP” with an additional message elaborating what you need help with to the same number or contact support via email at info@libertycreditexpert.co
Participation in the text notification program is not mandatory for purchasing services from {libertycreditexperts.co}. The program is supported by various service providers, including Alltel, AT&T, Boost, T-Mobile®, Verizon Wireless, VirginMobile, MetroPCS, and U.S. Cellular. The services are compatible with AT&T handsets, but it’s important to note that T-Mobile is not responsible for any delays or undelivered messages.
Please be aware that this is a partial explanation based on the provided excerpt. To fully understand the terms and conditions of the text notification program, it is advisable to refer to the complete terms provided by {libertycreditexperts.co}. If you have any specific questions or concerns regarding their program, it would be best to reach out to {libertycreditexperts.co} directly for clarification.
The provided excerpt explains how your email address may be used by Liberty Credit Experts LLC. Here are the key points:
- Confirming your identity: Liberty Credit Experts LLC may use your email address to verify your identity for various purposes.
- Account and transaction updates: They may send you emails to provide information about the status of your account or ongoing transactions.
- Transaction assistance: If they require your assistance to complete a transaction, they may contact you via email.
- Newsletters and marketing offers: With your consent or as permitted by law, Liberty Credit Experts LLC may send you newsletters, marketing offers from service providers and related companies, and other customer-related material through email.
It’s important to note that Liberty Credit Experts LLC has a zero-tolerance policy for email abuse. If you receive unsolicited emails from them, you are encouraged to report it to them. However, they state that they are not responsible for any communications you may receive from non-affiliated third parties.
For a comprehensive understanding of Liberty Credit Experts LLC’s email policies and practices, it’s advisable to refer to their complete Privacy Policy or contact them directly for any specific concerns or inquiries.
The provided excerpt explains Liberty Credit Experts LLC’s collection and use of Non-Personal Information. Here are the key points:
- Definition of Non-Personal Information: Non-Personal Information refers to information that cannot be directly associated with a specific person. It is collected and analyzed in a form that does not allow for personal identification.
- Collection and Use of Non-Personal Information: Liberty Credit Experts LLC may collect, use, monitor, analyze, transfer, and disclose Non-Personal Information for any purpose. This means that they can gather this type of information from various sources and utilize it in different ways as they deem appropriate.
- Personal and Aggregated Basis: Non-Personal Information can be analyzed both on an individual level and in an aggregated form. This allows Liberty Credit Experts LLC to examine patterns, trends, and statistical data without identifying specific individuals.
It’s important to note that while Non-Personal Information does not directly identify individuals, it still holds value for businesses in terms of analyzing user behavior, improving services, and making data-driven decisions.
For a comprehensive understanding of Liberty Credit Experts LLC’s practices regarding Non-Personal Information, it is advisable to refer to their complete Privacy Policy or reach out to them directly for any specific concerns or inquiries.
The provided excerpt explains examples of Non-Personal Information collected by Liberty Credit Experts LLC and how it is used. Here are the key points:
- Collection of User Access, Activity, and Behavior Information: Liberty Credit Experts LLC may collect information related to user access, activity, and behavior on their website. This can include data such as when users visit the website and what content they find interesting or useful.
- Aggregation of Non-Personal Information: The collected Non-Personal Information is aggregated, meaning it is combined and analyzed in a way that does not identify specific individuals.
- Treatment of Combined Information: If Liberty Credit Experts LLC combines Non-Personal Information with Personal Information, the combined information is treated as Personal Information according to their Privacy Policy. This means that the privacy practices applicable to Personal Information also apply to the combined data.
The purpose of collecting and analyzing Non-Personal Information is to gain insights into user behavior and preferences, improve website functionality, enhance user experience, and provide tailored content or recommendations. By aggregating this information, Liberty Credit Experts LLC can better understand their users as a whole and make data-driven decisions to optimize their services.
It’s important to note that while Non-Personal Information does not directly identify individuals, the treatment of combined information as Personal Information ensures that privacy protections extend to the aggregated data.
For a comprehensive understanding of Liberty Credit Experts LLC’s practices regarding Non-Personal Information, it is advisable to refer to their complete Privacy Policy or contact them directly for any specific concerns or inquiries.
PRIVACY POLICY
At Liberty Credit Experts LLC, we highly value your privacy. Throughout this document, the terms “LCX,” “we,” “our,” and “us” refer to Liberty Credit Experts LLC. We kindly request that you carefully read our Privacy Policy to understand how we collect, use, disclose, transfer, and store your information. By visiting our website or agreeing to content that contains a link to this document (“Online Ads”), you agree to comply with the practices outlined in this Privacy Policy as well as our Terms of Use. (Please note that specific state privacy protections are listed in Section 13 of this Privacy Policy.)
- Collection and Use of Personal Information
Personal Information refers to information you provide us that can uniquely identify or contact an individual. Examples of Personal Information include your name, address, email address, phone numbers, Social Security Number, or Taxpayer Identification Number.
You may be required to provide Personal Information when interacting with us, Online Ads, or our related companies. This includes situations such as completing or abandoning a transaction or making a request for information. Liberty Credit Experts LLC, along with its related companies and service providers, may share your Personal Information internally and use it in accordance with this Privacy Policy.
We may also supplement the Personal Information you provide with information obtained from other sources, such as credit bureaus, public databases, data aggregators, and commercially-available sources.
- Examples of Personal Information and Sensitive Personal Information We Collect and How We Use It.
We collect various types of Personal Information, including your name, mailing address, email address, phone number, and payment information. Sensitive Personal Information, such as your Social Security Number or Taxpayer Identification Number, may also be collected. Throughout this document, Personal Information and Sensitive Personal Information will be referred to as Personal Information unless specifically distinguished.
The Personal Information we collect enables us to verify your identity, deliver requested products and services, provide you with information and offers from Service Providers and Related Companies, maintain contact with you, and manage our relationship with you. By providing us with Personal Information, you consent to its transfer and storage.
Text or SMS Notices
If you have agreed to receive text or SMS notifications by replying “AGREE,” you consent to receiving recurring text messages containing updates to your account and credit from LCX. These messages may be sent using an auto-dialing system. Message and data rates may apply. To cancel, text STOP to a the number that you received the message from. For assistance, text HELP to the number from which you received a text message from or email support at info@libertycreditexperts.co. Participating carriers include Alltel, AT&T, Boost, T-Mobile®, Verizon Wireless, VirginMobile, MetroPCS, and U.S. Cellular. AT&T handsets are compatible with our services, and T-Mobile is not responsible for delayed or undelivered messages.
We may also use your Personal Information for research, development, analysis, advertising, marketing, security, fraud prevention, and other business activities.
For instance, we may use your email address to:
- Confirm your identity
- Provide updates on your account or transaction status
- Request your assistance in completing a transaction
- Send you newsletters, third-party marketing offers from service providers and related companies, and other customer-related material as permitted by law
- We have a strict policy against email abuse. If you receive unsolicited emails from us, please report them to us. Please note that we are not responsible for communications you may receive from non-affiliated third parties.
- Our Collection and Use of Non-Personal Information
Non-Personal Information refers to data that does not directly identify an individual. This information is gathered and analyzed in both personal and aggregated forms. We may collect, use, monitor, analyze, transfer, and disclose Non-Personal Information for various purposes.
- Examples of Non-Personal Information We Collect and How We Use It
We collect and aggregate information about user access, activity, and behavior on our website. This includes data such as the timing of your visits, the content you find interesting, and the content that appears most useful to you. When Non-Personal Information is combined with Personal Information, it is treated as Personal Information in accordance with this Privacy Policy.
Non-Personal Information includes:
Device Information – We may collect specific details about the device you use to access our website, such as the device model, IP address, MAC address, operating system version, application software, fonts, and other device information and identifiers.
Cookies and Other Technologies – Our website uses various technologies, including cookies and anonymous identifiers, to collect and store information. These technologies allow us to analyze your behavior on our website and deliver personalized ads that align with your interests.
Log Information – When you visit our website, certain information is automatically collected and stored in log files. This includes your IP address, browser version, ISP data, referring and exit pages, operating system version, date/time stamps, cookie data, and clickstream data. We utilize this Log Information to administer the website, analyze trends, enhance site security, gain insights into user behavior, and improve overall website quality and availability.
Click-Through URLs – In some email messages, we use Click-Through URLs that direct you to specific content on our website. When you click on these URLs, you pass through a separate web server before reaching our site. Click-Through URLs help us gauge interest in particular topics and measure the effectiveness of our email communications.
Anonymized Information – When Personal Information is separated from Non-Personal Information, the resulting anonymized data is treated as Non-Personal Information according to this Privacy Policy.
- Our Sharing of Information with Others
Personal Information
We do not share Personal Information with external businesses or individuals except in the following circumstances:
Consent – We share Personal Information outside of our organization when we have obtained your consent to do so.
Service Providers – We may provide Personal Information to trusted businesses, related companies, or individuals who use, analyze, or process it on our behalf. These entities operate based on our instructions and comply with appropriate confidentiality and security measures. Examples of their roles include delivering and improving our products and services, conducting consumer research, providing technical support, and managing client data.
Legal Reasons – Personal Information may be shared outside of our organization if we have a good-faith belief that disclosure is necessary to comply with applicable laws, regulations, legal processes, enforceable governmental requests, protect our operations or clients, investigate fraud or security issues, or address potential violations of terms of service.
In the event of a reorganization, merger, or sale, we may transfer any personal information we have collected to the relevant third party.
Non-Personal Information
We may publicly share Non-Personal Information and disclose it to our strategic partners. This may include sharing Non-Personal Information to describe the size and success of our firm.
- Transparency and Choice
We may use third-party display advertising companies, such as Google, to serve advertisements on our behalf across various websites. These companies use cookies to inform, optimize, and deliver ads based on your past visits to our website.
To obtain additional information, opt-out of, or customize display advertising from Google or DoubleClick, you can visit Google’s Ads Preference Manager.
For further information and opt-out options for other participating third-party display advertising, you can visit the Network Advertising Initiative opt-out page.
We employ third-party analytics companies, such as Google Analytics, to analyze and understand user behavior on our website.
To find more information and opt-out of Google Analytics, you can visit the Google Analytics opt-out browser add-on.
You also have the option to disable cookies in your browser settings. However, please note that disabling cookies may result in certain features of the LCX website not functioning properly or being available.
- Social Media Plug-ins
Our website integrates plug-ins for various social networks, including Facebook, Twitter, LinkedIn, Yahoo, Windows, and Google Plus. When you interact with us through these plug-ins, certain information is transmitted to the respective social network, and you grant us ongoing access to information from your social network profile.
If you prefer the social network not to collect information about you or share it with LCX and other third parties, please review the privacy policy of the relevant social network and log out before visiting our site.
- Information Security and Retention
We take precautions to protect your Personal Information from loss, theft, misuse, unauthorized access, disclosure, alteration, and destruction. These precautions include technical, physical, and administrative measures.
To ensure secure communications, we use Secure Sockets Layer (SSL) encryption on all pages where Personal Information is collected. This protects the confidentiality of your information during transmission over the Internet.
We encourage you to exercise caution when sharing information online, using secure browsers, and implementing strong passwords. We recommend using a password between 12 and 16 characters long, including a combination of upper and lower case letters, numbers, and special characters. It is advisable to avoid using the same or similar passwords across multiple sites.
You can access your Personal Information by logging into your account. We make good-faith efforts to provide convenient ways for you to update or delete your Personal Information quickly, unless we are required to retain it for legitimate business or legal purposes. Some changes may require personal contact with a designated LCX representative.
We retain Personal Information and Non-Personal Information for a reasonable period necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law or ethical duties. This includes our duty to preserve case files for a reasonable time and relevant information necessary to preserve a legal claim or defense. Our standard data retention period for such information is seven (2) years.
Requests to change or delete information may be rejected if they are unreasonably repetitive, require disproportionate technical effort, risk the privacy of others, or are extremely impractical (such as information stored in backups). However, we will provide information access and correction without charge unless a disproportionate effort is necessary.
We work diligently to protect data from accidental or malicious destruction. As a result, we may not immediately delete or modify residual copies of information, including backups. Information access and correction are typically provided without charge, unless a disproportionate effort is required.
- Third Party Privacy Policies
This Privacy Policy specifically addresses the use and disclosure of information collected by us. It does not apply to companies we do not own or control, or to individuals we do not employ or manage. We do not control the privacy policies of third parties, and you are subject to the privacy policies of those third parties where applicable. We encourage you to inquire about privacy practices before disclosing personal information to others. For more information about a particular third party, please refer to their privacy policy.
If you provided your information on a website not affiliated with LCX, and that website shared your information with us, the privacy policy of that website governs the use of your information by the non-affiliated entity, which may differ from our Policy.
- Children
We do not knowingly collect Personal Information from children under 18. If we become aware that we have collected Personal Information from a child under 18, we will take steps to promptly delete the information.
- Privacy Policy Changes and Questions
We may update our Privacy Policy periodically. Any changes will be posted on our website along with the corresponding revision date. We recommend checking the website and Online Ads for the most up-to-date information and to ensure awareness of any updates.
- Request for Information
If you have any questions or concerns about this Privacy Policy, please contact us at info@LCX.com.
If you no longer wish to receive our emails, you can unsubscribe by clicking on the unsubscribe link located in the footer of each email or by managing your email preferences.
- State Privacy Protections
What personal information we collect
Categories of personal information we have collected about consumers in the past 12 months.
- Personal identifiers
- Credit report data
- Audio and electronic information, including the use of online session replay technology
Categories of sensitive personal information we have collected about consumers in the past 12 months.
- Social Security Numbers
- Taxpayer Identification Numbers
Categories of sources of the personal information we have collected.
- We collect this information from you, credit bureaus, public databases, data aggregators, and other commercially available sources.
What we use it for
Business purpose for collecting personal information and sensitive personal information.
- We use personal identifiers to authenticate identity and obtain requested credit reports. We use credit report data to assist with identifying and challenging unfair, unsubstantiated, and inaccurate items. We use internet/network activity to inform, optimize, and serve ads based on past visits to our website. We use audio and electronic information to record verbal agreements and authorizations given over the phone or through our web pages. We collect and maintain personal information including credit report data to assist with credit repair and maintenance services.
We limit our use of sensitive personal information. We do not use or disclose sensitive personal information for purposes other than:
- To perform the services or provide the goods reasonably expected by you;
- To detect security incidents that compromise the availability, authenticity, integrity, and confidentiality of stored or transmitted personal information;
- To resist malicious, deceptive, fraudulent, or illegal actions directed at the business and to prosecute those responsible for those actions;
- To ensure the physical safety of natural persons;
- For short-term, transient use, including, but not limited to, non-personalized advertising shown as part of a consumer’s current interaction with the business;
- To perform services on behalf of us, such as maintaining or servicing accounts, providing customer service, verifying your information, processing payments, and providing analytic services; and To verify or maintain the quality or safety of a service or device that is owned or controlled by us, and to improve, upgrade, or enhance that service or device.
How long we retain it
An estimate of how long we may or will maintain consumer’s personal information.
- We may store your personal information in accordance with legal record retention requirements which may be up to seven years after your account (or case) is closed.
To whom do we sell it or share it
Categories of personal information, if any, that we have sold or shared to third parties in the preceding 12 months.
- We have not sold or shared personal information in the past 12 months. We do not sell or share any of your personal information to third parties without obtaining your specific consent.
Categories of third parties to whom the information was sold or shared.
- None
Business purpose for selling or sharing personal information.
- None
Actual knowledge of selling or sharing personal information of consumers under 16 years of age.
- None
To whom we disclose it for business purposes
Categories of personal information, if any, that we have disclosed for a business purpose to third parties in the preceding 12 months.
- Personal identifiers
- Credit report data
- Internet/Network activity
- Audio and electronic information
- Social Security and Taxpayer Identification Numbers
Categories of third parties to whom the information was disclosed.
- Credit bureaus
- Creditors
- Account servicing providers
Identification of the specific business purpose for disclosing personal information.
- We will disclose your personal information with our service providers only when it is necessary to process your requests, maintain your case, or communicate with credit bureaus or your creditors on your behalf.
How we verify your request to know, delete, or correct personal information.
- We will verify your identity and right to request the information by asking you for information we can match with our records such as your name, phone number, Social Security Number, and/or date of birth. We may also verify you using your system login or other reasonable authentication service such as knowledge based authentication.
You have the right to request the following up to two times in a 12-month period:
- The categories of personal information we have collected about you in the past 12 months;
- The categories of sources from which we collect personal information;
- The business purpose for collecting or selling personal information;
- The categories of third parties with whom we share personal information;
- The specific personal information we have collected about you in the past 12 months;
- The categories of personal information that we sold about you and the categories of third parties to whom the personal information was sold in the past 12 months, or verification that no personal information was sold;
- The categories of personal information we disclosed about you for a business purpose in the past 12 months, or verification that no personal information was disclosed.
In addition, you have the following rights:
- You have the right to know the following:
- The categories of personal information we have collected about you;
- The categories of sources from which the personal information is collected;
- The business or commercial purpose for collecting, selling, or sharing personal information;
- The categories of third parties to whom we disclose personal information; and
- The specific pieces of Personal Information we have collected about you.
- You have the right to correction of inaccurate personal information
- You have the right to request that personal information be deleted, subject to various exceptions including matters governed by the Gramm-Leach-Bliley Act (GLBA) or to comply with a legal obligation whether of general or specific applicability. However, if you exercise your right to have your personal information deleted, we will not be able to continue to provide service, as our services are dependent on that personal information;
- You have the right to request that personal information not be sold to or shared with third parties, if applicable and the right to know the categories of persons to whom it was disclosed for a business purpose; and
- You have the right not to be discriminated against in light of choosing to exercise any of these rights.
To exercise any of these rights, or for questions or concerns about our privacy policies or practices, contact us:
- by submitting the Data Requests form (for exercising data privacy rights only)
- by calling (561) 208-1105
When you make any of the above data requests, we will provide the requested information within 45 days of the request in most cases. If we need additional time to complete your request, we will notify you within the first 45 days and may take an additional 45 days to complete your request.
You may authorize an agent to make a request under these rights on your behalf by completing a notarized Agent Authorization Form and submitting it with your Data Request web form or mailing it to us at Liberty Credit Experts LLC, Data Requests, 3901 North Federal Highway #201 Boca Raton FL 33431.
By exercising your rights, you will not be discriminated against by:
- being denied services, however, if you exercise your right to have your personal information deleted, we will not be able to continue to provide service, as our services are dependent on that personal information;
- suggesting or providing a lesser level or quality of service;
- charging a different price for services, including through discounts, benefits, or penalties unless the price difference is reasonably related to the value provided to you by your data: or
- Retaliating against an employee, applicant, or contractor.
Please note that whereas Liberty Credit Experts LLC provides credit counseling services, it is subject to obligations pursuant to the GLBA. The GLBA includes several definitions that will govern relevant privacy matters. Consequently, the terms “nonpublic personal information” or “personally identifiable financial information”, for example, will pre-empt the CCPA’s definitions of “Personal Information”, “sale”, or other important terms defined by the GLBA for matters involving services provided by Liberty Credit Experts LLC, its service providers, or agents.
Nevada Residents
We are providing you this notice under Nevada state law. You may be placed on our internal Do Not Call List by contacting us at (561) 208-1105. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702.486.3132; email: aginfo@ag.nv.gov or Liberty Credit Experts LLC, 3901 North Federal Highway Suite 201 Boca Raton, FL 33431 , Phone number: 561-208-1105.
What personal information we collect:
We collect various categories of personal information about consumers.
- Personal identifiers
- Credit report data
- Social Security Numbers
- Taxpayer Identification Numbers
Categories of sources of the personal information we have collected:
- We collect this information from consumers directly, credit bureaus, public databases, data aggregators, and other commercially available sources.
What we use it for:
We use personal information for the following business purposes:
- Authenticating identity and obtaining requested credit reports using personal identifiers
- Assisting with identifying and challenging unfair, unsubstantiated, and inaccurate items using credit report data
- Informing, optimizing, and serving ads based on past visits to our website using internet/network activity
- Recording verbal agreements and authorizations given over the phone or through our web pages using audio and electronic information
- Assisting with credit repair and maintenance services by collecting and maintaining personal information, including credit report data
- We limit our use of sensitive personal information and only use or disclose it for specific purposes, including performing requested services, detecting security incidents, resisting malicious actions, ensuring physical safety, non-personalized advertising, performing services on behalf of us, and verifying or maintaining the quality or safety of a service or device.
How long we retain it:
- We may store consumer’s personal information in accordance with legal record retention requirements, which can be up to seven years after the account (or case) is closed.
To whom do we sell it or share it:
- We have not sold or shared personal information in the past 12 months. We do not sell or share any personal information to third parties without obtaining specific consent.
To whom we disclose it for business purposes:
- We may disclose personal information for business purposes to the following categories of third parties:
- Credit bureaus
- Creditors
- Account servicing providers
How we verify and authenticate you:
- To verify your request to know, delete, or correct personal information, we will ask for information that can be matched with our records, such as your name, phone number, Social Security Number, and/or date of birth. We may also use system login or reasonable authentication services for verification.
Your rights:
You have the right to request information about the categories of personal information we have collected, the sources from which we collect personal information, the business purpose for collecting or selling personal information, the categories of third parties with whom we share personal information, the specific personal information we have collected about you, the categories of personal information that we sold (if any), and the categories of personal information we disclosed for a business purpose. You also have the right to correction of inaccurate personal information, deletion of personal information (subject to exceptions), and opting out of the sale or sharing of personal information. You have the right not to be discriminated against for exercising these rights.
To exercise your rights or for questions and concerns about our privacy policies or practices, you can contact us by submitting the Data Requests form, calling our phone number, or mailing us.
PRIVACY NOTICE
WHAT DOES Liberty Credit Experts LLC
DO WITH YOUR PERSONAL INFORMATION
At Liberty Credit Experts LLC, we value the privacy and security of your personal information. This notice explains how we collect, use, and protect your information in accordance with federal laws. Please read this notice carefully to understand our practices.
WHAT INFORMATION DO WE COLLECT?
The types of personal information we collect and share depend on the products or services you have with us. This may include:
- Personal identifiers such as your name, Social Security Number, Date of Birth, and other identifying details
- Contact information including your address, email address, and phone number
- Information from your credit report and credit lines
- Credit card or bank account information for payment purposes
- Device information such as device model, IP address, MAC address, and other identifiers
- We may continue to share your information as described in this notice even after you are no longer our client.
HOW DO WE USE YOUR INFORMATION?
We may share your personal information for various purposes related to our everyday business operations. Here are the reasons we may share your information, whether we share it, and whether you can limit this sharing:
For our everyday business purposes, such as processing transactions, maintaining your account(s), reporting to credit bureaus and your creditors, conducting research and analysis, and responding to legal investigations:
LCX shares your personal information.
You cannot limit this sharing.
For our marketing purposes, such as offering products and services to you and requesting your feedback:
LCX shares your personal information.
You can limit this sharing.
For our service providers’ everyday business purposes, which include information about your transactions and experiences:
LCX shares your personal information with service providers.
You cannot limit this sharing.
For our service providers to market to you:
LCX does not share your personal information.
You can limit this sharing.
For non-service providers and related companies to market to you:
LCX does not share your personal information.
You can limit this sharing.
To limit our sharing, you can decline consent when asked to do so.
HOW DO WE PROTECT YOUR INFORMATION?
We take precautions to protect your personal information from loss, theft, unauthorized access, disclosure, alteration, and destruction. Our measures include technical, physical, and managerial procedures. We use Secure Sockets Layer (SSL) encryption on pages where personal information is collected. We retain personal information only for as long as necessary or reasonable to fulfill the account purpose, unless a longer retention period is required by law.
HOW DO WE COLLECT YOUR INFORMATION?
We collect your personal information when you provide it to us. Examples include:
Providing account-opening information or survey feedback
Authorizing us to pull your credit report
Authorizing us to contact your creditor on your behalf for credit repair
Providing bank information for payment of services
We may also supplement this information with data available from public databases, data aggregators, and other commercially available sources.
WHY CAN’T YOU LIMIT ALL SHARING?
Federal law provides limitations on sharing for specific purposes, such as sharing for affiliates’ everyday business purposes and for non-affiliates to market to you. However, state laws and individual companies may offer additional rights to limit sharing.
QUESTIONS?
If you have any questions or concerns regarding our privacy policies or practices, you can:
Call us at 1-561-208-1105
Email us at info@libertycreditexperts.co
WHO IS PROVIDING THIS NOTICE?
This notice is provided by LCX.
ADDITIONAL INFORMATION FOR CERTAIN STATES
California Residents:
Under California law, we will not share your information with companies outside of our corporate family, except as permitted by law or with your consent. We will limit sharing among our companies as required by California law.
Nevada Residents:
You can be placed on our internal Do Not Call List by contacting us at 501-208-1105. For further assistance, you can reach out to the Bureau of Consumer Protection, Office of the Nevada Attorney General, or Liberty Credit Experts LLC using the provided contact information.
Vermont Residents:
In accordance with Vermont law, we will not share your information with companies outside of our corporate family, except as permitted by law or with your consent. We will not share information about your creditworthiness within our corporate family without your authorization or consent.
Our Do Not Call Policy:
To comply with the Telephone Consumer Protection Act, we do not make calls to residential or wireless telephones using an automatic telephone dialing system or an artificial or prerecorded voice unless you have provided express written consent. If you wish not to receive telephone solicitations from us, you can request to be placed on our Do Not Call list by contacting us at 561-208-1105. Your request will be honored for five years.
CONSUMER PRIVACY RIGHTS
Included in 13. State Privacy Protections
DO NOT SELL OR SHARE MY PERSONAL INFORMATION
Included in 13. State Privacy Protections
MESSAGE TERMS
Liberty Credit Experts LLC Text Message Terms and Conditions
Effective Date: June 2021
These Terms and Conditions (“Terms”) govern your participation in the Text Message Program offered by Liberty Credit Experts LLC (“LCX,” “we,” or “us”). By participating in the Text Message Program, you agree to be bound by these Terms.
These Terms should be read in conjunction with LCX’s Privacy Policy and Terms of Use, which apply to your participation in the Text Message Program. By participating, you acknowledge that you have reviewed and agree to the terms of LCX’s Privacy Policy and Terms of Use.
- ARBITRATION NOTICE: By participating in LCX’s Text Message Program, you agree to arbitrate any claims between you and LCX on an individual basis, waiving the right to participate in a class action lawsuit or class action arbitration. This Agreement to Arbitrate covers all past, current, and future interactions with LCX.
About the Text Message Program:
If you do not agree to these Terms, you may not participate in the Text Message Program. LCX may modify these Terms at any time, and your continued participation after the changes take effect constitutes your acceptance of the modified Terms.
- LCX Text Messages:
LCX’s Text Message Program involves sending and receiving text messages related to credit repair or credit repair marketing. These text messages are not mobile spam but part of a recurring message program.
- Consent for LCX Text Messages:
By participating in the Text Message Program, you provide express written consent to receive automated texts from LCX regarding credit repair or credit repair marketing. Your consent remains in effect unless you text STOP to opt-out.
- Cost of LCX Text Messages:
While LCX text messages are complimentary, standard message and data rates may apply depending on your mobile carrier and plan.
- Opting Out of Text Messages:
To stop receiving LCX text messages, simply text STOP to the short code from which you received the messages. Note that this only stops text messages to the phone number used to text STOP. To stop receiving marketing phone calls from LCX that are not text messages, you can text CALLSTOP to the same short code. Almost all requests are processed immediately, but it may take up to three (3) business days to be removed from LCX’s texting or calling list(s).
- Opting Back In:
If you previously opted out but wish to receive LCX text messages again, you can provide consent by texting START to the short code.
- Requesting More Information:
To request more information about the Text Message Program, text HELP to the short code from which you received the LCX text messages.
- Commands:
You can use the following commands to manage your participation in the Text Message Program:
STOP: Text STOP to the short code to stop receiving LCX text messages.
CALLSTOP: Text CALLSTOP to the short code to stop receiving marketing phone calls from LCX that are not text messages.
HELP: Text HELP to the short code for more information about the Text Message Program.
- Participating Carriers:
LCX’s Text Message Program is available through various mobile carriers, including but not limited to ACS Wireless, AT&T, T-Mobile, Verizon Wireless, and more.
EMAIL PREFERENCES
At LCX, we adhere to CAN-SPAM laws to ensure compliance. We prioritize the satisfaction of our clients and value our relationship with them.
To unsubscribe, kindly send an email to address below.
Info@libertycreditexperts.co