Catalyst Media

Privacy Policy

Last Updated: October 26, 2023

Effective Date: October 26, 2023

1. Introduction and Scope

Welcome to Catalyst Media. We are committed to protecting your privacy and handling your personal information with the utmost transparency, care, and in compliance with applicable privacy laws and regulations. This comprehensive Privacy Policy outlines how we collect, use, disclose, and safeguard your data when you use our credit repair services, visit our website, or interact with us in any way.

This policy applies to all users of our services, including but not limited to clients, website visitors, and individuals who provide us with personal information. We are committed to maintaining the trust and confidence of our clients by being transparent about our data practices.

2. Information We Collect

We collect various types of information to provide and improve our services. The information we collect may include:

2.1 Personal Identification Information

• Basic Information: Full name, date of birth, email address, phone number, and mailing address
• Government Identification: Social Security Number, driver's license number, and passport information when required for credit repair services
• Employment Information: Current and previous employment details, income information, and employer contact information

2.2 Financial Information

• Credit Information: Credit report data, credit scores from all three major credit bureaus (Equifax, Experian, TransUnion), and credit history details
• Account Information: Bank account numbers, credit card information, and other financial account details when necessary for our services
• Debt Information: Outstanding debts, collection accounts, and payment history
• Financial Documents: Pay stubs, tax returns, bank statements, and other financial documentation

2.3 Technical and Usage Information

• Device Information: IP address, browser type and version, operating system, device identifiers, and mobile device information
• Website Usage: Pages visited, time spent on pages, click patterns, and navigation paths
• Cookies and Tracking: Information collected through cookies, web beacons, and similar tracking technologies
• Communication Data: Emails, phone calls, chat messages, and other communications with our team

2.4 Third-Party Information

• Credit Bureaus: Information obtained from credit reporting agencies
• Public Records: Information from public databases, court records, and other publicly available sources
• Service Providers: Information shared by our business partners and service providers

3. How We Use Your Information

We use the collected information for various purposes to provide and improve our services:

3.1 Service Provision

• Analyze your credit reports and identify potential issues for dispute
• Prepare and submit credit dispute letters on your behalf
• Monitor your credit reports for changes and improvements
• Provide personalized credit repair strategies and recommendations
• Generate progress reports and updates on your credit repair journey

3.2 Communication and Support

• Respond to your inquiries, requests, and support needs
• Send important updates about your account and our services
• Provide educational content and resources about credit management
• Notify you about changes to our services or policies

3.3 Legal and Regulatory Compliance

• Comply with applicable laws, regulations, and legal processes
• Respond to government requests and investigations
• Protect against fraud, abuse, and security threats
• Enforce our terms of service and other agreements

3.4 Business Operations

• Improve our website functionality and user experience
• Develop new features and services
• Conduct research and analysis to enhance our offerings
• Manage our business operations and administrative functions

4. Data Security and Protection

We implement comprehensive security measures to protect your personal information:

4.1 Technical Safeguards

• Encryption: All sensitive data is encrypted using industry-standard encryption protocols (AES-256) both in transit and at rest
• Secure Infrastructure: Our systems are hosted on secure, enterprise-grade infrastructure with multiple layers of protection
• Access Controls: Strict access controls and authentication mechanisms to ensure only authorized personnel can access your data
• Regular Security Audits: We conduct regular security assessments and penetration testing to identify and address vulnerabilities

4.2 Administrative Safeguards

• Employee Training: All employees receive regular training on data protection and privacy practices
• Background Checks: Comprehensive background checks for all employees with access to sensitive information
• Data Minimization: We only collect and retain information that is necessary for our services
• Incident Response: Established procedures for responding to and reporting security incidents

4.3 Physical Safeguards

• Secure Facilities: Physical security measures at our offices and data centers
• Document Security: Secure storage and disposal of physical documents containing personal information
• Device Security: Encryption and security measures on all company devices

5. Information Sharing and Disclosure

We are committed to protecting your privacy and do not sell, rent, or trade your personal information. However, we may share your information in the following circumstances:

5.1 Service Providers and Partners

• With trusted third-party service providers who perform services on our behalf, such as credit monitoring, data analysis, and customer support. These providers are contractually obligated to protect your information and are only permitted to use it for the specific services they provide to us.

5.2 Legal and Compliance

• When required by law, such as in response to a subpoena, court order, or other legal process.
• To establish or exercise our legal rights, defend against legal claims, or protect the safety and security of our users and the public.

5.3 Business Transfers

• In connection with a merger, acquisition, consolidation, or sale of all or a portion of our assets, your information may be transferred as part of the transaction.

6. Your Rights and Choices

You have certain rights regarding your personal information. These include:

• Right to Access: You can request a copy of the personal information we hold about you.
• Right to Rectification: You can request that we correct any inaccurate or incomplete information.
• Right to Erasure: You can request that we delete your personal information, subject to our legal and contractual obligations.
• Right to Opt-Out: You can opt out of receiving promotional communications from us by following the unsubscribe instructions provided in those communications.

To exercise these rights, please contact us using the information in the "Contact Us" section below.

7. Data Retention

We will retain your personal information for as long as is necessary to provide our services, comply with our legal obligations, resolve disputes, and enforce our agreements. When your information is no longer needed for these purposes, we will securely delete or anonymize it.

8. Cookies and Tracking Technologies

We use cookies, web beacons, and other similar tracking technologies to enhance your experience on our website. These technologies help us understand user behavior, analyze website traffic, and for marketing purposes. You can control the use of cookies through your browser settings.

9. Children's Privacy

Our services are not directed to or intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a child, we will take steps to delete it as soon as possible.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We encourage you to review this policy periodically. We will notify you of any material changes by posting the new policy on this page and updating the "Last Updated" date at the top.

11. Contact Us