Privacy Policy

1. Who We Are

Tailor Your Credit is a credit repair and consulting business operated by Angelo Garay, based in Phoenix, Arizona. This Privacy Policy explains how we collect, use, disclose, and protect information you provide when you visit this website or engage with our services.

2. Information We Collect

We collect information you voluntarily provide through our website forms, including:

• First and last name
• Email address
• Phone number
• Credit goals and objectives you describe during intake
• Consultation appointment details

We may also collect technical information automatically when you visit this site, such as your browser type, IP address, pages visited, and referring URL. This information is collected through analytics tools and is used in aggregate to improve site performance.

3. How We Use Your Information

We use the information we collect to:

• Schedule and confirm consultations
• Contact you about your inquiry via phone, email, or text message
• Deliver the free credit guide you requested
• Send appointment reminders and follow-up communications
• Provide credit repair and consulting services
• Comply with applicable legal requirements

4. Text Message (SMS) Communications

If you provide your phone number and check the SMS consent box on any form on this website, you are consenting to receive text messages from Tailor Your Credit (Angelo Garay) regarding:

• Appointment confirmations and reminders
• Follow-up communications related to your consultation or credit repair program
• Service updates and informational messages

Consent is not required to receive our free guide or to purchase any service. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of text messages at any time. Reply HELP for assistance.

We do not send marketing text messages to purchased lists or to any individual who has not specifically opted in through one of our forms.

5. Third-Party Services

We use the following third-party services that may process your information:

• Go High Level (GHL) — our CRM platform, used to store contact information, manage appointments, and send communications. GHL is bound by its own privacy policy and data processing terms.
• Twilio — the underlying messaging infrastructure used to send text messages through GHL.
• SmartCredit — a third-party credit monitoring service required for active credit repair clients. If you sign up for SmartCredit, you are subject to SmartCredit's privacy policy. We receive an affiliate referral for SmartCredit signups (PID 58460).
• Meta (Facebook/Instagram) — we may use Meta's conversion API for advertising measurement. This may involve sharing hashed contact data with Meta for ad attribution purposes.
• Vercel — our website hosting provider.

We do not sell your personal information to third parties. We do not share your information with third parties for their own marketing purposes.

6. Data Retention

We retain contact information and consultation records for as long as necessary to provide services and comply with applicable law. Under the Credit Repair Organizations Act (CROA), we are required to retain signed disclosure acknowledgments for a minimum of two years. You may request deletion of your information at any time by contacting us directly (see Section 9 below). We will honor deletion requests to the extent permitted by law.

7. Cookies and Tracking

This website may use cookies and similar tracking technologies for analytics and advertising measurement purposes. You can control cookie settings through your browser settings. Disabling cookies may affect certain site functionality.

8. Security

We take reasonable technical and organizational measures to protect the information we collect. However, no internet transmission or electronic storage method is completely secure. We encourage you to use caution when sharing sensitive information online.

9. Your Rights and Choices

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)
• Opt out of text message communications at any time by replying STOP
• Opt out of email communications by following the unsubscribe instructions in any email

10. Children's Privacy

This website is 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 information from a minor, please contact us and we will promptly delete it.

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last updated" date at the top of this page. Continued use of this website after any changes constitutes acceptance of the updated policy.

12. Contact

For questions about this Privacy Policy, to request access or deletion of your data, or to opt out of communications, contact us at:

Tailor Your Credit
Angelo Garay
Phoenix, Arizona
Website: tailoryourcredit.com