Maximum FICO Score ("Company," "we," "us," or "our") is committed to protecting the privacy of California residents. This CCPA Privacy Policy describes how we collect, use, disclose, and protect personal information about California consumers, as required by the California Consumer Privacy Act of 2018 (Cal. Civ. Code § 1798.100 et seq.) and the California Privacy Rights Act of 2020 (CPRA).

This policy applies to all visitors, clients, and users who interact with our website at www.maximumficoscore.com or our credit repair and education services.

In the past 12 months, we have collected the following categories of personal information:

• Identifiers: Name, email address, phone number, mailing address, IP address.
• Personal Records: Financial history and credit-related information you provide when enrolling in our services.
• Commercial Information: Records of services purchased, including membership plan details and billing history.
• Internet/Network Activity: Browsing behavior tracked through Google Analytics and Meta (Facebook) Pixel.
• Geolocation Data: General location data inferred from IP address.
• Communications: Emails, form submissions, and SMS/text message interactions.
• Inferences: Profiles created from your data to assess service preferences and creditworthiness improvement potential.

• To provide and improve our credit repair and education services.
• To communicate with you via phone, SMS, email, or ringless voicemail.
• To send newsletters and marketing communications (with your consent).
• To process membership subscription billing.
• To analyze website usage via Google Analytics.
• To deliver targeted advertising through Meta (Facebook) Pixel.
• To comply with legal obligations and enforce our agreements.
• To prevent fraud and maintain the security of our systems.

We do not sell your personal information. We may share your information with the following categories of third parties:

• Service Providers: CRM platforms, email marketing providers, payment processors, Google Analytics, Meta Pixel.
• Credit Bureaus: To the extent necessary to perform credit repair and dispute services on your behalf.
• Professional Advisors: Attorneys, accountants, and compliance advisors as necessary.
• Law Enforcement: When required by law or to protect our legal rights.

• Right to Know: Request disclosure of categories and specific pieces of personal information we collect.
• Right to Delete: Request deletion of personal information we have collected from you.
• Right to Correct: Request correction of inaccurate personal information.
• Right to Opt-Out: Opt out of sharing for cross-context behavioral advertising (e.g., Meta Pixel).
• Right to Limit: Limit the use of sensitive personal information to necessary purposes.
• Right to Non-Discrimination: We will not discriminate against you for exercising your rights.

• Email: info@maximumficoscore.com
• Website: www.maximumficoscore.com
• Mail: Maximum FICO Score, Bakersfield, CA

We are required to verify your identity before fulfilling privacy requests. We will respond to verifiable consumer requests within 45 days.

We retain personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. When data is no longer required, we dispose of it securely.

We may update this CCPA Privacy Policy from time to time. Changes will be posted on this page with an updated effective date.