Privacy Policy

Protecting your personal and financial information is a core commitment of 1720 Financial Services Corporation. This Privacy Policy explains how we collect, use, store, protect, and share your information when you visit our website at 1720financial.com, use our client portal, enroll in our credit repair services, or communicate with our team by phone, email, SMS, or any other channel. Please read this policy carefully. By using our website or services, you consent to the practices described herein.

1. Information We Collect

A. Information You Provide Directly

When you enroll in our services, complete our intake forms, sign agreements, or contact us, we collect the following:

• Full legal name, date of birth, and Social Security number
• Current and prior mailing addresses and proof of address documents
• Phone numbers and email addresses
• Government-issued identification documents
• Credit reports and credit bureau correspondence you share with us
• Payment information, including billing address and payment method details processed securely through our authorized payment gateway
• Information about your financial goals, credit history, and specific items you wish to dispute
• Communications you send to us, including emails, portal messages, and SMS messages

B. Information We Collect Automatically

When you visit our website or use our client portal, we may automatically collect:

• IP address, browser type and version, operating system, and device type
• Pages visited, time spent on pages, links clicked, and referring URLs
• Session data and cookie information
• Geographic location data based on IP address

C. Information We Obtain on Your Behalf

With your written authorization through the Limited Power of Attorney granted in your service agreement, we obtain credit report information on your behalf directly from credit bureaus, creditors, collection agencies, and other holders of your credit records through Credit Hero and other authorized channels. We pull these reports on your behalf every 30 days as part of your program. You are not required to pull or submit reports yourself.

D. Information from Third Parties

We may receive information about you from referral partners, including loan officers and real estate professionals who refer you to our program, to the extent you have consented to such referrals.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, administer, and improve our credit repair services on your behalf
• To prepare and submit dispute correspondence to credit bureaus and creditors
• To pull and analyze your credit reports through Credit Hero as part of your 30-day program cycles
• To communicate with you about your program status, cycle updates, document requests, and progress
• To send you SMS and email notifications you have opted into, including program updates, document reminders, and progress reports
• To notify your referring loan officer or referral partner of your 30-day cycle progress, if applicable and with your consent
• To process your payments securely through our authorized payment gateway
• To verify your identity and comply with our obligations under the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), and other applicable laws
• To operate, maintain, and improve our website, client portal, and internal systems
• To respond to your inquiries, resolve disputes, and enforce our agreements
• To protect the security and integrity of our systems and client data

3. How We Share Your Information

1720 Financial Services Corporation does not sell your personal information to third parties. We do not share your information for marketing or advertising purposes. We may share your information only in the following limited circumstances:

• Credit Bureaus and Creditors: We share your information with Equifax, Experian, TransUnion, and individual creditors or collection agencies as necessary to perform dispute services on your behalf under your Limited Power of Attorney
• Credit Hero: We use Credit Hero as our authorized credit monitoring and report-pull platform. Your credit profile is accessed through this platform as part of your service
• Payment Processors: We share payment information with our authorized payment processor and Authorize.net gateway solely to process your billing transactions. No card data is stored by us on paper or in unencrypted form
• GoHighLevel (CRM Platform): We use GoHighLevel as our client relationship management platform to manage client records, automate communications, and track program progress. Your contact and program data is stored within this platform under our account
• Make.com (Automation Middleware): We use Make.com to orchestrate automated data flows between our systems. Data transmitted through Make.com is governed by their security and data processing policies
• Referring Partners: If you were referred to 1720 Financial by a loan officer or referral partner, we will share your 30-day program cycle updates with that partner as part of our referral program, to the extent you have consented to such sharing
• Service Providers: We may share your information with third-party vendors who assist us in operating our website, portal, and business operations, subject to confidentiality agreements
• Legal Requirements: We may disclose your information if required by law, court order, or government authority, or to protect the rights, property, or safety of 1720 Financial, our clients, or others
• Business Transfers: In the event of a merger, acquisition, or sale of substantially all of our assets, your information may be transferred as part of that transaction

SMS and Text Messaging: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors supporting our services, such as our CRM and automation platforms, is permitted solely for service delivery purposes. Text messaging opt-in data and consent will never be shared with any third party for any other purpose.

4. Text Messaging and SMS Communications

By opting in to receive SMS communications from 1720 Financial Services Corporation, you consent to receive non-marketing text messages related to your credit repair program, including document requests, program status updates, cycle progress notifications, and appointment reminders. Separately, you may opt in to receive marketing and promotional messages about our services, special offers, and product updates.

• Message frequency varies based on your program activity
• Standard message and data rates may apply depending on your carrier and plan
• Text HELP to any message for assistance
• Text STOP to any message to opt out of SMS communications at any time
• Opting out of SMS will not affect your enrollment in or delivery of credit repair services

5. Data Security

1720 Financial Services Corporation takes the security of your personal and financial information seriously. We implement administrative, technical, and physical safeguards designed to protect your information from unauthorized access, use, disclosure, alteration, and destruction. These measures include:

• Secure encrypted client portal for document submission and communication
• Payment card data collected and processed exclusively through our PCI-compliant payment gateway, with no card numbers, expiration dates, or CVV codes ever stored or collected on paper
• Access controls limiting employee access to client data to those with a need to know
• Confidentiality agreements with all contractors and service providers who handle client data
• Regular review of our data handling practices and security procedures

No method of data transmission or storage is completely secure. While we take every reasonable precaution, we cannot guarantee the absolute security of your information. If you believe your information has been compromised, please contact us immediately at [email protected] or 800.821.1720.

6. Your Rights Under California Law (CCPA/CPRA)

If you are a California resident, you have the following rights with respect to your personal information under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):

• Right to Know: You have the right to request information about the categories and specific pieces of personal information we have collected about you in the past 12 months
• Right to Delete: You have the right to request deletion of personal information we have collected about you, subject to certain exceptions
• Right to Correct: You have the right to request correction of inaccurate personal information we maintain about you
• Right to Opt Out of Sale: We do not sell your personal information. If our practices change, we will update this policy and provide the required opt-out mechanism
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights
• Right to Limit Use of Sensitive Personal Information: You have the right to limit our use of sensitive personal information, including Social Security numbers and financial account data, to purposes necessary to provide our services

To exercise any of these rights, please contact us at [email protected] or 800.821.1720 with your request. We will respond within 45 days. We may need to verify your identity before processing your request.

7. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with our legal obligations, resolve disputes, and enforce our agreements. Client program records are typically retained for a minimum of seven years following the conclusion of services to comply with applicable financial services recordkeeping requirements. You may request deletion of your data as described in Section 6, subject to our legal retention obligations.

8. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and understand how visitors use our site. Cookies are small data files placed on your device when you visit our website. You may configure your browser to refuse cookies or alert you when cookies are being sent. Please note that some features of our website may not function properly if cookies are disabled.

We do not use tracking technologies to serve targeted advertising. Any analytics data collected is used solely to improve our website and user experience.

9. Third-Party Links

Our website may contain links to third-party websites, including Credit Hero, credit bureau websites, and other resources. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Children's Privacy

Our services are intended for adults 18 years of age and older. We do not knowingly collect personal information from individuals under the age of 18. If we learn that we have collected personal information from a minor, we will promptly delete that information. If you believe we have inadvertently collected information from a minor, please contact us immediately.

11. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. When we make material changes, we will update the Effective Date at the top of this policy and, where appropriate, notify you by email or through a notice on our website or client portal. Your continued use of our services after any changes constitutes your acceptance of the updated policy. We encourage you to review this policy periodically.

12. Contact Us

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