Privacy Policy for Prime Credit & Capital

Effective Date: 5/2/2026
Last Updated: 5/29/2026

Prime Credit & Capital (“Company,” “we,” “us,” or “our”) operates the website www.primecreditandcapital.com (the “Site”). This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our Site or use our credit repair and consumer advocacy services. It also explains your rights regarding your personal information and how to contact us.

By accessing or using the Site and our services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our Site or services.

 

 1. Information We Collect

We may collect the following categories of personal information:

-Identity Information: Name, date of birth, Social Security number (or partial SSN), driver’s license number, and other government‑issued identifiers.
- Contact Information: Email address, mailing address, telephone number.
- Financial Information: Credit reports, credit scores, income information, loan application details, and other data related to your creditworthiness.
- Consumer Report Information: Information from credit bureaus (Experian, Equifax, TransUnion), collection agencies, and other consumer reporting agencies as permitted under the Fair Credit Reporting Act (FCRA).
- Technical Information: IP address, browser type, operating system, device identifiers, and browsing activity on our Site.
- Communication Information: Records of your calls, emails, and other interactions with us.

 2. How We Collect Information

We collect information in the following ways:

- Directly from you when you fill out forms on our Site, request a free credit audit, sign up for services, or contact us.
- From credit bureaus and consumer reporting agencies** with your written authorization as required under the FCRA.
- Automatically** through cookies, web beacons, and similar tracking technologies when you browse our Site.
- From third parties such as lenders, collection agencies, and public records, to the extent permitted by law.

 3. How We Use Your Information

We use your personal information for the following purposes:

- To provide credit repair and consumer advocacy services, including disputing inaccurate, unverifiable, or outdated information on your credit reports.
- To communicate with you about your account, the status of disputes, and service updates.
- To comply with legal obligations, including the Credit Repair Organizations Act (CROA), the FCRA, the Gramm‑Leach‑Bliley Act (GLBA), and applicable state laws.
- To improve our Site and services through analytics and performance monitoring.
- To process payments and manage billing (if you sign up for a paid plan).
- To respond to your inquiries and provide customer support.
- To protect against fraud, unauthorized transactions, and other liabilities.**

 4. Legal Bases for Processing (for users in certain jurisdictions)

If you are located in a jurisdiction that requires a legal basis for processing personal information (e.g., the European Economic Area), we process your information based on:

- Your consent (e.g., when you authorize us to obtain your credit reports).
- Performance of a contract (e.g., providing credit repair services).
- Compliance with legal obligations (e.g., record‑keeping and regulatory reporting).
- Legitimate interests (e.g., improving our services and preventing fraud).

 5. Disclosure of Your Information

We may share your personal information with:

- Credit bureaus and consumer reporting agencies (with your written authorization) to initiate disputes and verify information.
- Service providers that help us operate our business, such as payment processors, email service providers, customer relationship management (CRM) software, and IT support.
- Legal and regulatory authorities** when required by law, subpoena, court order, or other legal process.
- Third parties in connection with a business transfer**, such as a merger, acquisition, bankruptcy, or sale of assets.
- Your lender or other financial institutions if necessary to resolve a denied loan application.

We do **not** sell your personal information to third parties for monetary value. However, we may share information with third‑party service providers that perform functions on our behalf.

 6. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our Site. You can control cookies through your browser settings. Disabling cookies may affect certain features of the Site.

- Essential Cookies: Required for basic Site functionality.
- Performance Cookies:** Help us understand how visitors use our Site.
- **Functionality Cookies:** Remember your preferences.
- **Targeting/Advertising Cookies:** Used to deliver relevant ads (if applicable).

For more information, see our Cookie Policy (link to Cookie Policy if available).

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7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include encryption, firewalls, access controls, and secure storage.

However, no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security.

 8. Data Retention

We retain your personal information for as long as necessary to:

- Provide the services you requested.
- Comply with legal obligations (e.g., record‑keeping requirements under CROA and state laws).
- Resolve disputes and enforce our agreements.

After the retention period, we will securely delete or anonymize your information.

 9. Your Privacy Rights

Depending on your state of residence, you may have certain rights regarding your personal information. Below is a summary of rights under the **California Consumer Privacy Act (CCPA)** and the **California Privacy Rights Act (CPRA)** , as well as other applicable state laws.

 9.1 Rights for California Residents

If you are a California resident, you have the following rights:

Right to Know:** You may request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources, the business purpose for collection, and the categories of third parties with whom we share information.
- **Right to Delete:** You may request that we delete personal information we have collected from you, subject to certain exceptions (e.g., information necessary to complete a transaction or comply with a legal obligation).
- **Right to Correct:** You may request that we correct inaccurate personal information we hold about you.
- **Right to Opt‑Out of Sharing:** We do not sell your personal information for cross‑context behavioral advertising. However, you may opt out of any future “sharing” (as defined by the CPRA) by contacting us as described below.
- **Right to Limit Use of Sensitive Personal Information:** You may request that we limit our use of your sensitive personal information (e.g., SSN, precise geolocation) to only what is necessary to provide the services you requested.
- **Right to Non‑Discrimination:** We will not discriminate against you for exercising any of your privacy rights.

To exercise any of these rights, please submit a verifiable consumer request using the contact information in Section 14. We will respond within 45 days (or longer with notice as permitted by law).

9.2 Rights for Residents of Other States

Residents of other states may have rights under their local laws. We will honor any rights provided by the laws of your state of residence to the extent required by law.

 10. Gramm‑Leach‑Bliley Act (GLBA) Privacy Notice

As a company that provides credit repair and consumer advocacy services, we are subject to the **Gramm‑Leach‑Bliley Act (GLBA)** . This notice applies to “consumers” who obtain or have obtained a financial product or service from us for personal, family, or household purposes.

**What We Collect:** We collect non‑public personal information about you from the sources described in Sections 1 and 2 above.

**How We Share:** We do not disclose non‑public personal information about you to third parties except as permitted by law (e.g., to service your account, to process disputes, or as required by legal process).

**Confidentiality and Security:** We restrict access to your non‑public personal information to employees and service providers who need it to provide services to you. We maintain physical, electronic, and procedural safeguards to protect your information.

**Opt‑Out Rights:** Under the GLBA, you may have the right to opt out of certain disclosures of your non‑public personal information to non‑affiliated third parties. We currently do not share your information in a manner that triggers GLBA opt‑out rights. If this changes, we will provide you with an opt‑out notice.

 11. Fair Credit Reporting Act (FCRA) Compliance

We obtain consumer reports (credit reports) from credit bureaus only after obtaining your **written authorization** as required by the FCRA. You have the right to:

- Know the nature and substance of all information contained in your consumer reports.
- Dispute the completeness or accuracy of any information in your consumer reports.
- Receive a copy of your consumer report from each credit bureau once every 12 months at no charge (via AnnualCreditReport.com).

We do not act as a consumer reporting agency as defined by the FCRA. Our services involve disputing information on your behalf with your authorization.

 12. Children’s Privacy

Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected such information, please contact us so we can delete it.

 13. Third‑Party Links

Our Site may contain links to third‑party websites (e.g., credit bureaus, lenders, government agencies). We are not responsible for the privacy practices or content of those websites. We encourage you to read the privacy policies of any third‑party site you visit.

 14. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or your privacy rights, please contact us at:

Prime Credit & Capital
895 Dove St  Newport Beach, CA 92660

Email: t.curtis@elitecreditlines.org
Phone: 949-614-5841
Online: www.primecreditandcapital.com

For **verifiable consumer requests** under the CCPA/CPRA, please include your full name, email address, and a description of your request. We may need to verify your identity before processing your request.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make changes, we will revise the “Last Updated” date at the top of this page. If we make material changes, we will notify you by email (if you have provided one) or by posting a prominent notice on our Site prior to the change becoming effective. Your continued use of our Site or services after any changes indicates your acceptance of the updated Privacy Policy.

16. State‑Specific Disclosures (for residents of CA, VA, CO, CT, UT)

Depending on your state of residence, you may have additional rights. This section summarizes those rights for states with comprehensive privacy laws.

California (CCPA/CPRA)
See Section 9.1 above.

Virginia (VCDPA)
Virginia residents have the right to:
- Confirm whether we process their personal information.
- Access, correct, or delete their personal information.
- Opt out of the processing of personal information for targeted advertising (if applicable).
- Appeal a denial of a request.

 Colorado (CPA)
Colorado residents have similar rights, including the right to opt out of profiling in furtherance of decisions that produce legal or similarly significant effects.

 Connecticut (CTDPA)
Connecticut residents have the right to access, correct, delete, and obtain a copy of their personal information, as well as the right to opt out of certain processing activities. Utah (UCPA)
Utah residents have the right to access, delete, and obtain a portable copy of their personal information, as well as the right to opt out of certain processing for targeted advertising.

To exercise any of these rights, please contact us as described in Section 14.

 Appendix A: CCPA/CPRA Request Form

*(Optional – you may provide a web form on your Site)*

**California Privacy Rights Request Form**

To submit a verifiable request under the CCPA/CPRA, please provide the following information:

- Full Name:
- Email Address:
- Telephone Number:
- California County of Residence:
- Request Type (select one):
- [ ] Right to Know – Categories of Information
- [ ] Right to Know – Specific Pieces of Information
- [ ] Right to Delete
- [ ] Right to Correct
- [ ] Right to Opt‑Out of Sharing
- [ ] Right to Limit Use of Sensitive Information

**Verification:** By submitting this form, you confirm that the information provided is true and accurate. We will contact you to verify your identity before processing your request.

Submit this form to: t.curtis@elitecreditlines.org

 

**Disclaimer:** This privacy policy is provided for informational purposes and does not constitute legal advice. You should consult with a qualified attorney to ensure compliance with all applicable laws, including the CCPA, CPRA, GLBA, FCRA, and state credit repair laws.