Privacy Policy — APEX Credit Group Florida

1. Who We Are

Apex Credit Group ("APEX," "we," "us," or "our") is a credit education and consulting company located at 7901 4th St N, Suite 300, St. Petersburg, FL 33702. We can be reached at contact@apex-c-group.us or via WhatsApp at +1 (954) 214-6789.

2. Information We Collect

We collect information you provide directly to us when you:

• Submit our consultation request form
• Contact us via WhatsApp or email
• Sign up as a referral partner

This information may include your name, email address, phone number, and details about your credit or financial situation that you choose to share.

We do not collect payment information directly. Any payment processing is handled by our third-party service providers.

3. How We Use Your Information

We use the information we collect to:

• Respond to your consultation requests and inquiries
• Provide credit education services and structured action plans
• Communicate with you about your program and progress
• Send service-related communications (not marketing without consent)
• Comply with applicable legal obligations

4. Third-Party Services

Our consultation forms are powered by CreditRepairCloud, a third-party platform used to manage client onboarding and communication. When you submit a form on our website, your information is transmitted to CreditRepairCloud's servers. Their use of your information is governed by their own privacy policy.

We also use Google Fonts for typography, which may result in your browser making a request to Google's servers. Please refer to Google's privacy policy for information on how they handle such requests.

5. Information Sharing

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

• With service providers who assist in delivering our services (e.g., CreditRepairCloud), under confidentiality obligations
• With your referring partner, only with your explicit consent and only to the extent you have agreed
• When required by law, regulation, or valid legal process

6. Data Security

We take reasonable technical and organizational measures to protect your personal information. Our forms use SSL/TLS encryption. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

7. 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 information (subject to legal retention requirements)
• Withdraw consent where processing is based on consent

To exercise any of these rights, contact us at contact@apex-c-group.us.

8. Credit Repair Organizations Act (CROA) Disclosure

Apex Credit Group provides credit education and coaching services. Under the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.), you have the following rights:

• You have the right to cancel any contract with us within three (3) business days without penalty or obligation
• We may not receive payment for services until those services have been fully performed
• You have the right to dispute inaccurate information in your credit report directly with the credit bureaus at no cost

We do not guarantee improvements to your credit score or approval for any credit product. Results depend on individual circumstances and actions taken.

9. Cookies

Our website does not use tracking cookies or analytics tools. We do not use Google Analytics or similar tracking services. Your browsing activity on our site is not tracked or stored by us.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us immediately.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated date. Your continued use of our website after any changes constitutes acceptance of the updated policy.

12. Contact Us

If you have questions about this Privacy Policy or how we handle your information, please contact us: