Privacy Policy

1. Company Information

This Privacy Policy applies to Platinum Elite Consultants LLC ("Company," "we," "us," or "our"), located at 1449 S Michigan Ave, Chicago, IL 60605. We provide credit repair consulting services to our clients. By engaging our services or providing your personal information, you agree to the terms of this Privacy Policy.

2. Information We Collect

We collect the following categories of personal information in connection with providing our services:

• Identity Information: Full legal name, date of birth, and Social Security number (last 4 digits for identification purposes).
• Contact Information: Home address, mailing address, city, state, ZIP code, telephone number, and email address.
• Credit and Financial Information: Credit reports, credit scores, account history, dispute records, and information provided by credit bureaus (Equifax, Experian, and TransUnion).
• Supporting Documents: Government-issued photo identification, Social Security card, and proof of address documents you upload through our portal.
• Communications: Records of SMS messages, emails, and other communications exchanged with us in connection with your account.

3. How We Use Your Information

We use the personal information we collect exclusively to provide credit repair consulting services, including:

• Preparing, submitting, and tracking dispute letters to credit bureaus and furnishers on your behalf.
• Monitoring your credit repair progress and communicating updates to you.
• Scheduling and managing appointments related to your credit repair engagement.
• Sending service-related text messages and emails, including appointment reminders, dispute status updates, and account notifications.
• Maintaining accurate records of our services and your account activity as required by applicable law.
• Complying with our legal obligations under the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), and other applicable federal and state laws.

We do not use your information for marketing, advertising, or any purpose unrelated to the credit repair services you have engaged us to provide.

4. No Sale or Sharing of Personal Information

We do not sell, rent, trade, or otherwise transfer your personal information to any third parties. We do not share your information with data brokers, advertisers, or any other commercial entities for their own use.

Information may be disclosed solely in the following limited circumstances:

• Credit Bureaus and Furnishers: We submit dispute correspondence to Equifax, Experian, TransUnion, and creditors on your behalf as part of our credit repair services. This disclosure is authorized by you when you engage our services.
• Legal Compliance: We may disclose information if required to do so by law, court order, or governmental authority.
• Service Providers: We use limited technology service providers (such as secure cloud storage and communications platforms) solely to facilitate delivery of our services. These providers are contractually prohibited from using your information for any other purpose.

5. SMS Messaging and TCPA Compliance

By providing your mobile telephone number and engaging our services, you expressly consent to receive text messages (SMS) from Platinum Elite Consultants LLC at the number provided. We send service-related text messages only, including:

• Appointment reminders and confirmations
• Dispute status updates
• Account activity notifications
• Requests for documents or information needed to process your case

Message and data rates may apply. Message frequency varies based on account activity. We do not send promotional or marketing SMS messages unrelated to your credit repair engagement.

To opt out: Reply STOP to any text message at any time. You will receive a one-time confirmation message and no further messages will be sent to that number. Note that opting out of SMS communications does not affect your service engagement; we will communicate with you by other means if you prefer.

For help: Reply HELP to any message or contact us at info@platinumelite.net.

Our SMS practices comply with the Telephone Consumer Protection Act (TCPA) and applicable carrier guidelines. We will not share your mobile number with any third party for marketing purposes.

6. Data Security

We implement industry-standard technical and organizational safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction. All data is stored on encrypted, access-controlled systems. Only authorized personnel who require access to your information to perform their job duties are permitted to access it.

While we take reasonable precautions to protect your information, no method of transmission over the internet or method of electronic storage is 100% secure. We cannot guarantee absolute security but are committed to promptly notifying you of any breach that may affect your personal information as required by applicable law.

7. Data Retention

We retain your personal information for as long as necessary to provide our services and to comply with applicable legal, regulatory, and contractual obligations. Credit repair engagement records are generally retained for a minimum of five (5) years following the conclusion of services, in accordance with CROA requirements.

8. Your Rights

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 our legal retention obligations.
• Withdraw consent to SMS communications at any time by replying STOP.

To exercise any of these rights, contact us at the information below.

9. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date at the top of this page. We encourage you to review this Policy periodically. Your continued engagement with our services after any change constitutes acceptance of the updated Policy.

10. Contact Us

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