Privacy Policy

Monarch Credit Repair ("Monarch," "we," "us") provides credit repair and dispute services. This Privacy Policy explains what personal information we collect, how we use and share it, and the choices you have. By using our website or enrolling in our services, you agree to the practices described here.

When you request a consultation or enroll, we collect information including:

• Contact information — name, phone number, email address, mailing address
• Identity information — date of birth, Social Security number
• Credit profile information — details about items on your credit report and your goals
• Account and communication records — call notes, application status, correspondence

We use your information to:

• Evaluate your credit profile and prepare disputes with credit bureaus and creditors on your behalf
• Communicate with you about your account, application status, and service updates
• Verify your identity and prevent fraud
• Comply with legal and regulatory obligations, including recordkeeping required by the Credit Repair Organizations Act (CROA)

We do not sell your personal information. We share it only:

• With Credit Repair Cloud, our case-management and dispute-delivery platform, to carry out the services you enrolled in
• With credit bureaus and creditors, as necessary to submit disputes on your behalf
• With service providers who help us operate our business (e.g. hosting, database infrastructure), under confidentiality obligations
• When required by law, regulation, or legal process

Your Social Security number is encrypted at rest, and access to full application records is limited to authorized personnel and logged for compliance review. No method of transmission or storage is 100% secure, but we work to protect your information using industry-standard safeguards.

We retain your information for as long as needed to provide our services and as required by applicable recordkeeping laws. [Specify a concrete retention period and deletion process before publishing.]

Depending on your state of residence, you may have the right to access, correct, or request deletion of your personal information. To make a request, contact us using the information below. [Add state-specific rights language — e.g. California residents under the CCPA/CPRA — before publishing.]

Our services are not directed to individuals under 18, and we do not knowingly collect information from minors.

We may update this policy from time to time. Material changes will be posted on this page with an updated effective date.

Questions about this policy can be directed to [insert business contact email/address/phone before publishing].