Privacy Policy

Last Updated: August 17, 2026

Kredit Koncepts Financial Services, LLC (“Kredit Koncepts,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide when you visit our website, request a consultation, purchase or use our services, communicate with our team, or otherwise interact with us.

This Privacy Policy explains the types of information we may collect, how we may use and disclose that information, how we protect it, and the choices and rights that may be available to you.

Information We Collect

We may collect personal information that you voluntarily provide when you interact with Kredit Koncepts.

This information may include:

Name, mailing address, email address, telephone number, and other contact information.
Information submitted through consultation forms, contact forms, account registrations, purchases, customer-support communications, surveys, or other website forms.
Information relating to your credit profile, credit history, credit reports, accounts, inquiries, debts, financial goals, or other information reasonably necessary to provide a service you request.
Identity-verification information when reasonably necessary for a requested service.
Transaction and payment-related information associated with purchases or services.

When appropriate for a service you request and where permitted, we may also obtain information from third-party sources such as credit bureaus, service providers, public databases, data providers, or other sources.

Automatically Collected Information

When you visit our website, certain technical information may be collected automatically.

This may include:

IP address.
Browser type and version.
Device type and operating system.
Pages visited and website activity.
Referring and exit pages.
Date and time of access.
Approximate location derived from technical information.
Cookie, analytics, and similar technology information.

We may use this information to operate our website, understand website usage, improve performance, maintain security, and enhance the user experience.

How We Use Your Information

We may use personal information for purposes including:

Providing and managing credit education, credit recovery, credit-building, business credit, identity-protection, monitoring, consultation, and related services.
Confirming or verifying your identity where appropriate.
Reviewing information you provide and preparing applicable recommendations or service options.
Responding to questions and customer-support requests.
Scheduling and managing consultations or appointments.
Processing purchases, payments, subscriptions, or service transactions.
Managing customer accounts and access to client services.
Providing updates regarding your account, transaction, consultation, or requested service.
Sending administrative, customer-service, or security communications.
Sending newsletters, promotions, or other marketing communications where permitted.
Improving our website, products, services, marketing, and business operations.
Performing analytics, research, and service development.
Preventing fraud, unauthorized access, abuse, or security incidents.
Complying with applicable legal, regulatory, contractual, accounting, and recordkeeping obligations.

Credit Reports and Financial Information

Certain Kredit Koncepts services may involve information contained in credit reports, credit files, financial records, or other sensitive documents.

We may use this information only as reasonably necessary to provide or support the service you request, communicate with you regarding your credit profile, prepare applicable strategies or educational guidance, administer your account, and satisfy legal or regulatory obligations.

Please submit Social Security numbers, credit reports, identity documents, financial account information, or similarly sensitive information only through secure methods specifically provided or approved by Kredit Koncepts.

Kredit Koncepts will not ask you to send sensitive personal information through an unsecured method when a secure method has been provided for that purpose.

Payment Information

When you purchase a service or product, payment and transaction information may be processed by third-party payment processors or financial service providers.

Depending on the payment method and provider used, Kredit Koncepts may not directly receive or store your complete payment-card information.

Payment providers may process your information according to their own privacy policies, security standards, and terms.

How We May Share Information

We may disclose information to trusted third parties when reasonably necessary to operate our business, provide requested services, protect our rights, or comply with applicable obligations.

These parties may include:

Website hosting and technology providers.
Payment processors.
Customer relationship management platforms.
Secure client portal providers.
Email, telephone, or messaging providers.
Analytics and website-performance providers.
Credit-related service providers where appropriate for a requested service.
Identity-protection or monitoring service providers where applicable.
Professional advisers, accountants, attorneys, or consultants.
Other service providers that process information on our behalf.

We may also disclose information:

When you direct or authorize us to do so.
When reasonably necessary to complete a transaction or requested service.
When required by applicable law, regulation, subpoena, court order, or lawful governmental request.
To investigate or prevent fraud, security threats, misuse, or unlawful activity.
To protect the rights, safety, property, and security of Kredit Koncepts, our customers, or others.
In connection with a merger, acquisition, financing, restructuring, sale of assets, or similar business transaction, subject to applicable law.

We do not sell personal information for monetary payment. Certain advertising or analytics activities, if used, may be treated differently under particular state privacy laws. Where applicable, you may have additional rights concerning those activities.

Cookies and Similar Technologies

Our website may use cookies, pixels, web beacons, analytics tools, and similar technologies to operate website functionality, remember preferences, understand visitor activity, improve performance, measure marketing effectiveness, and support advertising where applicable.

Some cookies may be necessary for essential website functionality, while others may be used for analytics, preferences, or marketing.

You may be able to control or disable cookies through your browser settings or other privacy controls made available on the website.

Disabling certain cookies may affect some website features or functionality.

Analytics and Advertising

We may use third-party analytics, measurement, or advertising services to better understand website activity and measure the effectiveness of our marketing.

These providers may use cookies or similar technologies according to their own privacy practices.

Where required by applicable law, we will provide appropriate choices or consent mechanisms relating to non-essential tracking technologies.

Social Media and Third-Party Platforms

Our website may include links, widgets, plug-ins, or other functionality associated with third-party social networks or platforms.

When you interact with these services, information may be transmitted to or collected by the applicable third party.

Your interactions with those services are governed by the privacy policies and terms of the respective third-party platforms.

Email, Telephone, and Text Communications

If you provide your contact information, we may communicate with you regarding consultations, services, account activity, support requests, transactions, promotions, or other matters related to your relationship with Kredit Koncepts.

You may unsubscribe from promotional emails by using the unsubscribe option provided in the message or by contacting us.

Where text messaging is offered, you may opt out of applicable promotional messages by replying STOP or following the instructions contained in the message.

Opting out of promotional communications does not prevent us from sending necessary transactional, account, security, customer-service, or legally required communications.

Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, misuse, loss, alteration, disclosure, or destruction.

Access to sensitive information should be limited to individuals or providers who reasonably require access for legitimate business purposes.

However, no website, internet transmission, storage system, or security measure can guarantee absolute security.

If you believe information you provided to Kredit Koncepts may have been compromised, please contact us promptly.

Data Retention

We retain personal information for as long as reasonably necessary for the purposes for which it was collected, including providing services, maintaining customer and transaction records, resolving disputes, preventing fraud, enforcing agreements, and satisfying legal, regulatory, accounting, tax, or recordkeeping obligations.

Retention periods may vary depending on the type of information, the service involved, contractual requirements, and applicable law.

Your Privacy Rights

Depending on your state or jurisdiction, applicable privacy laws may provide rights concerning your personal information.

Where applicable, these rights may include the ability to:

Request information about personal information we maintain about you.
Request access to certain personal information.
Request correction of inaccurate personal information.
Request deletion of certain personal information.
Request a portable copy of certain personal information.
Opt out of certain uses, sharing, sales, or targeted advertising where applicable.
Limit certain processing of sensitive personal information where applicable.
Appeal certain privacy-request decisions where provided by law.

These rights are subject to applicable exceptions, verification requirements, and legal limitations.

We will not unlawfully discriminate against you for exercising an applicable privacy right.

To submit a privacy-related request, contact us using the information in the Contact Us section below.

California Residents

California residents may have additional rights regarding personal information under applicable California privacy laws.

Where those laws apply to Kredit Koncepts, eligible California residents may submit applicable requests concerning access, correction, deletion, disclosure, or certain opt-out rights by contacting us.

Any request will be processed in accordance with applicable verification requirements, exceptions, and legal obligations.

New York Residents

New York residents may contact Kredit Koncepts regarding privacy, marketing, or communication preferences using the contact information below.

We maintain reasonable safeguards designed to protect private information consistent with applicable requirements.

Children’s Privacy

The general Kredit Koncepts consumer website and consumer credit services are not directed to children under 13, and we do not knowingly collect personal information directly from children under 13 through the general consumer website without appropriate authorization.

Educational programs or services involving minors may be governed by separate notices, contracts, parental or school authorization, or other applicable requirements.

If you believe a child has submitted personal information to us improperly, please contact us.

Third-Party Websites and Services

Our website may contain links to websites, applications, products, or services operated by third parties.

Kredit Koncepts does not control and is not responsible for the privacy, security, content, or data practices of independent third parties.

We encourage you to review the privacy policy and terms of any third-party service before providing personal information.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our services, technology, business practices, or applicable requirements.

When this Privacy Policy is updated, we will post the revised version on this page and update the “Last Updated” date.

We encourage you to review this Privacy Policy periodically.

Contact Us

If you have questions about this Privacy Policy or would like to submit a privacy-related request, please contact us:

Kredit Koncepts Financial Services, LLC

Email: support@kreditkoncepts.com
Phone: 1 (800) 985-9367
Credit Education Center: 1175 Castle Hill Ave, Bronx, NY 10462
Corporate Office: 55 Water Street, 50th Floor, New York, NY 10041