Privacy Policy

Who we are. CreditOps Club is a free credit education membership run by Apex Credit Solutions, based in Charlotte, North Carolina. In this policy, "we" and "us" mean Apex Credit Solutions and the CreditOps Club team.

What we collect. When you join, we collect your name, email, mobile phone and a password. As you use the Club, we store what you enter: the negative items you track, the letters you generate and save, the rounds you log, your scores, your course progress and certificates, and anything you post in the community or send in messages. If you use the talk to a person page, we also collect the details you type there. Everything beyond your account details is optional.

Credit report import. If you import a credit report, the text is processed in memory to find the negative items. It is parsed with an AI model hosted by our platform provider. We do not store the report itself. If you upload a PDF, a document converter hosted by the same provider turns it into text first. Only the items you review and choose to keep are saved to your account. If you choose to save a snapshot of what the reader found, we keep a reduced record: creditor names, the last four digits of account numbers, balances, limits, dates, payment history, inquiries and scores. A snapshot never includes the report text, your Social Security number, full account numbers, street address or employer. You can delete one snapshot or all of them from the report page at any time. Please do not paste a full Social Security number or full account numbers into the paste box; the items you need do not require them.

How we use it. To run your account, power the dispute system and the tools, show your progress, keep the community safe, and answer your questions. If you have agreed to be contacted, Apex may reach you about your free credit review and Club updates. You can opt out at any time.

Call requests. If you ask for a call, for example about done-for-you help, an offer or a review, your request and the details you give are shared with Apex Credit Solutions so the team can contact you. We share them only when you ask.

We do not sell your data. We do not sell your personal information. We use service providers to host the site, store your data, send email, and run the report reader, and they may process your information only to provide those services to us. We may disclose information if the law requires it.

Text messages and calls. The free Club does not send text messages or place automated calls. If Apex contacts you by phone or text about your free credit review, it relies on the agreement you gave when you joined or asked to talk to someone, and you can reply STOP or tell us to stop at any time.

Technical data. To keep the site safe and stop abuse, we keep a scrambled (hashed) version of your IP address with some requests, such as sign-ups, request forms and tracked offer links, and a broad browser and device type on tracked offer links. We remove these IP-derived values after about 90 days. They are not used to track you across other sites. If you open a live session in the meeting room, the video may be played by YouTube or Vimeo, which can see your IP address while it plays.

Cookies. We use one session cookie to keep you signed in. We do not use it to track you across other sites. Basic analytics may count visits to our pages in aggregate.

Security and retention. We use reasonable safeguards, including hashed passwords and encrypted connections. No system is perfectly secure. We keep your account information while your account is open. You can delete your account yourself from your profile, or ask us by message to delete it, and we will delete your account, your items, letters, snapshots, posts, messages and uploads. We keep a record of the email address you asked us to stop contacting, so we do not contact it again. Backups are replaced on a regular schedule.

Your choices. You can see and edit your items, letters and profile in the Club, ask for a copy of your information, ask us to delete it, and opt out of marketing messages by using the unsubscribe link in an email, replying STOP to a text if you receive one, or telling us.

Children. The Club is for adults. We do not knowingly collect information from anyone under 18.

Changes and contact. If we change this policy, we will update this page. Questions? Call (555) 555-0142 or email support@creditopsclub.example, or use the talk to a person page.