Effective Date: This Privacy Policy applies to all information collected through our website (abovendbeyond.com), our GoHighLevel-powered booking and funnel pages, our email communications, phone consultations, and all services we provide. We operate in full compliance with applicable federal and state privacy laws, including the Gramm-Leach-Bliley Act (GLBA) and the Fair Credit Reporting Act (FCRA).
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Information We Collect
We collect personal information you voluntarily provide when you fill out our contact forms, book a consultation, complete our funding survey, or communicate with us by phone, email, or text.
Information You Provide Directly
Identity Information
Full name, date of birth, and government-issued identification details
Contact Information
Email address, phone number, mailing address, and state of residence
Financial Information
Credit score range, outstanding debts, account balances, loan history, and income information you share with us
Credit Report Information
Information from your Experian, Equifax, and TransUnion credit reports that you authorize us to access or review on your behalf
Business Information
Business name, EIN, business structure, bank statements, revenue figures, and funding goals
Communication Records
Notes from consultations, text message history, and email correspondence
Information Collected Automatically
When you visit our website or landing pages, we automatically collect certain technical information through cookies and analytics tools, including: IP address and approximate location, browser type and version, device type and operating system, pages visited and time spent, referring website or source, click behavior and scroll depth, form interaction data, and UTM tracking parameters.
Information From Third Parties
We may also receive information from third-party sources including credit monitoring platforms, lender networks, marketing partners, or referral sources, which we combine with information you provide directly to better serve you.
02
How We Use Your Information
We use the information we collect for the following purposes, all of which are necessary to provide you with our credit repair and funding services:
Service Delivery
To provide credit repair services, dispute negative items, monitor credit progress, and facilitate funding applications on your behalf
Consultation & Communication
To schedule and conduct free consultations, follow up on inquiries, and provide personalised financial guidance
Lender Matching
To match your financial profile with appropriate lenders and funding products in our network
Legal Compliance
To comply with applicable laws and regulations including FCRA, CROA, and GLBA requirements
Marketing Communications
To send relevant updates and promotions — only with your consent and always with an unsubscribe option
Fraud Prevention
To verify your identity, detect fraudulent activity, and protect both you and our business from unauthorized use
We will never use your personal or financial information for any purpose not listed above without first obtaining your explicit written consent.
03
How We Share Your Information
We do not sell, rent, or trade your personal information to third parties for marketing purposes. Period. We only share your information in the specific circumstances described below.
Credit Bureaus
We share your information with Experian, Equifax, and TransUnion solely for the purpose of filing disputes and monitoring credit report corrections on your behalf
Original Creditors & Collectors
We communicate with creditors and collectors on your behalf as part of the dispute and negotiation process you authorize us to conduct
Funding Partners & Lenders
With your explicit consent, we share your financial profile with lenders in our network to facilitate loan or credit applications on your behalf
Service Providers
We share limited information with trusted technology vendors who are contractually bound to protect your data and use it only for our purposes
Legal Requirements
We may disclose your information when required by law, court order, subpoena, or regulatory authority
Business Transfer
In the event of a merger or acquisition, your information may be transferred — and you will be notified prior to such transfer
04
Cookies & Tracking Technologies
Our website and landing pages use cookies and similar tracking technologies to enhance your experience, analyze traffic, and measure the effectiveness of our marketing.
Types of Cookies We Use
Essential Cookies
Required for the website to function properly — cannot be disabled without affecting site functionality
Analytics Cookies
Used by tools such as Google Analytics to collect anonymous data about how visitors use our site
Marketing & Retargeting Cookies
Used to show relevant advertisements via platforms including Facebook Pixel, Google Ads, and similar networks
Functionality Cookies
Remember your preferences to provide a more personalised experience on return visits
You can control and manage cookies through your browser settings. You can also opt out of Google Analytics tracking at tools.google.com/dlpage/gaoptout.
We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy and to comply with our legal obligations.
7 yrs
Active Client Files
Retained for the full duration of services, plus a minimum of 7 years after the end of services
As needed
Credit Report Data
Retained only while necessary to complete your credit repair program, then securely deleted
2 yrs
Marketing Inquiries
Retained for up to 2 years from initial contact if you do not become an active client
5–7 yrs
Financial Documents
Retained in compliance with IRS recordkeeping guidelines and applicable financial regulations
26 months
Website Analytics Data
Retained in anonymised or aggregated form only
Depending on your state of residence, you may have specific privacy rights regarding your personal information. We respect and honor these rights:
Right to Access
Request a copy of the personal information we hold about you at any time
Right to Correction
Request that we correct any inaccurate or incomplete information in your file
Right to Deletion
Request deletion of your personal information, subject to legal and contractual obligations
Right to Opt-Out
Opt out of marketing communications at any time via "Unsubscribe" or by contacting us
Right to Data Portability
Request your personal data in a structured, machine-readable format where technically feasible
Right to Restrict Processing
Request that we restrict how we process your information in certain circumstances
California Residents (CCPA): California residents have additional rights under the California Consumer Privacy Act. To exercise any privacy rights, contact us at
[email protected]. We will respond to all verified requests within 30 days.
Protecting your personal and financial information is one of our highest priorities. We implement and maintain comprehensive security measures to safeguard your data against unauthorized access, disclosure, alteration, or destruction.
Encryption
All sensitive data transmitted through our website and systems is encrypted using industry-standard SSL/TLS technology
Access Controls
Access to your personal information is strictly limited to authorized team members who need it to perform their job functions
Secure Storage
Client files and financial documents are stored in encrypted, access-controlled systems with multi-factor authentication requirements
Vendor Security
All third-party vendors who process your data are vetted for security compliance and bound by data processing agreements
Regular Audits
We conduct regular internal security reviews and assessments to identify and address potential vulnerabilities
Our website may contain links to third-party websites, lender portals, credit monitoring platforms, or social media pages. This Privacy Policy applies solely to information collected by Above N Beyond & Associates. We are not responsible for the privacy practices, content, or security of any external websites.
We encourage you to review the privacy policies of any third-party websites you visit through links on our site, including but not limited to:
GoHighLevel
CRM & booking platform used to manage client records and appointments
Google Analytics & Google Ads
Analytics and advertising platform used to measure website performance
Facebook / Meta Business Suite
Social media and advertising platforms
Credit Bureau Portals
Experian, Equifax, and TransUnion consumer portals
Our services are designed exclusively for adults aged 18 and older. We do not knowingly collect, solicit, or maintain personal information from individuals under the age of 18.
If we become aware that we have inadvertently collected personal information from a person under 18, we will delete that information immediately. If you believe we have collected information from a minor, please contact us immediately at [email protected].
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Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations. When we make material changes, we will:
Update the "Last Updated" Date
The effective date at the top of this page will be revised to reflect the most recent update
Post a Prominent Notice
A notice will appear on our website homepage for a minimum of 30 days following any material change
Email Notification to Active Clients
Active clients will receive an email notification with a summary of key changes
11
FCRA & Credit Repair Disclosure
Important Federal Disclosure: Above N Beyond & Associates is a credit repair organization as defined under federal law, including the Credit Repair Organizations Act (CROA). We do not provide legal advice.
The collection and handling of your credit information is conducted in strict compliance with:
Fair Credit Reporting Act (FCRA)
Governing consumer credit reporting and dispute rights
Credit Repair Organizations Act (CROA)
Governing credit repair service providers and their obligations
Gramm-Leach-Bliley Act (GLBA)
Governing the privacy of consumer financial information
Applicable State Privacy Laws
Including California CCPA and equivalent consumer protection statutes in your state
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Contact & Privacy Inquiries
If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact us. We are committed to resolving all privacy-related inquiries within 30 business days.
If you are not satisfied with our response, you may have the right to lodge a complaint with your state's Attorney General's office or the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov.
