Privacy Policy – Her Credit Highness

Last Updated: October 8, 2026

At Her Credit Highness (HCH), your privacy and the protection of your personal information are important to us. We are committed to handling your information responsibly, maintaining confidentiality, and being transparent about how your information is collected, used, and protected.

By visiting our website, purchasing our services, or enrolling in one of our programs, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

To provide our credit repair, financial education, and related services, we may collect the following information:

• Full legal name

• Email address and phone number

• Mailing and residential address

• Date of birth

• Government-issued identification

• Social Security card and other identity verification documents

• Credit report information and credit monitoring account details

• Payment and transaction information

• Client portal communications and submitted documents

• Website activity and interactions

We only request information reasonably necessary to provide our services, verify your identity, process your enrollment, or communicate with you.

2. How We Use Your Information

Your personal information may be used to:

• Verify your identity and complete client onboarding

• Review credit reports and identify potentially inaccurate, incomplete, outdated, or unverifiable information

• Prepare and submit credit disputes when authorized

• Provide credit education, financial guidance, and client support

• Process purchases, payments, and subscriptions

• Send important account updates and service notifications

• Communicate through email, SMS, and our client portal

• Send promotional offers and educational content when you have consented

• Maintain records and comply with applicable legal requirements

3. Identity Verification & Credit Monitoring

Certain Her Credit Highness services require identity verification documents and active third-party credit monitoring.

These requirements help us verify client information, review credit reports, and provide authorized services.

We cannot begin processing credit disputes until all required identity documents have been received and verified and your required credit monitoring account is active.

Information submitted during onboarding is used for identity verification, account administration, and authorized service-related activities.

4. How We Share Your Information

Her Credit Highness does not sell or rent your personal information to third parties for marketing purposes.

We may share information when necessary to provide services, including with:

• Credit reporting agencies and information furnishers when submitting authorized disputes

• Credit monitoring providers as necessary for authorized services

• Secure client management and communication platforms

• Payment processors handling transactions

• Service providers assisting with website operations, communications, and business administration

• Government agencies or other parties when legally required

These disclosures are limited to legitimate business, service, or legal purposes.

SMS consent and mobile opt-in information will not be shared with third parties or affiliates for their own marketing or promotional purposes.

5. SMS & Email Communications

By voluntarily opting into Her Credit Highness SMS or email communications, you may receive messages regarding:

• Enrollment and onboarding

• Account and service updates

• Appointment and payment reminders

• Credit education and resources

• Promotional offers and program announcements, where you have provided marketing consent

SMS consent is optional and is not required as a condition of purchasing our services.

Message frequency may vary. Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP.

For assistance, reply HELP or contact us at support@hercredithighness.com.

You may unsubscribe from promotional emails using the unsubscribe link provided in applicable messages.

6. Payment Information

Purchases and subscription payments may be processed through secure third-party payment providers.

Her Credit Highness does not directly store complete payment card numbers when payments are handled by these providers.

Payment providers maintain their own privacy and security practices.

7. How We Protect Your Information

We take reasonable administrative, technical, and organizational measures to protect your personal information against unauthorized access, misuse, disclosure, or loss.

Access to sensitive client information is limited to authorized individuals and service providers who require it to perform legitimate business functions.

While we take information security seriously, no website, electronic communication, or storage system can guarantee complete security.

8. How Long We Keep Your Information

We retain personal information only for as long as reasonably necessary to provide our services, maintain required business records, resolve disputes, and comply with applicable legal obligations.

When information is no longer needed, we take reasonable steps to securely delete or otherwise dispose of it, subject to applicable retention requirements.

9. Your Privacy Choices

You may contact us to:

• Request information about personal data we maintain

• Request corrections to inaccurate personal information

• Request deletion of eligible personal information, subject to legal and business recordkeeping requirements

• Withdraw consent for optional marketing communications

• Ask questions about how your information is used

Requests may be submitted to support@hercredithighness.com.

We may need to verify your identity before processing certain requests.

10. Third-Party Websites & Services

Our website may contain links to third-party services, including credit monitoring providers, payment processors, and educational platforms.

These providers operate independently and may have their own privacy policies and terms of service.

Her Credit Highness is not responsible for the privacy practices of independently operated third-party websites.

We encourage clients to review those policies before providing personal information.

11. Changes to This Privacy Policy

Her Credit Highness reserves the right to update this Privacy Policy as our services, business practices, or legal obligations change.

Updates will be posted on our website with a revised effective date.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy, please contact:

Her Credit Highness

Email: support@hercredithighness.com

Phone: 878-209-8693

Business Hours: Monday–Friday, 9:00 AM–6:00 PM CST

Your privacy matters to us. Thank you for trusting Her Credit Highness with your personal information and financial education journey. 🤎