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Privacy Policy

Credit Manager provides compliance-driven FinTech solutions that connect every part of the credit repair ecosystem — from agency operations to referral partnerships and law firm collaboration. Our technology simplifies workflows, automates compliance, and helps professionals scale confidently.

Credit Manager, Inc. (“Credit Manager,” “we,” “us,” or “our”) provides compliance-driven FinTech solutions that connect every part of the credit-repair ecosystem, including agencies, referral partners, and law firms. Protecting your privacy is fundamental to that mission.

This Privacy Policy explains how we collect, use, store, and protect business-related and personal information shared by our partners, affiliates, and professional users (“you,” “your,” or “Partner”) through the Credit Manager Partners sub-domain, affiliated portals, billing systems, and related applications (collectively, the “Platform”).

This Policy applies only to partner relationships, including Agency Advantage members, Advocate Network participants, Attorney Network members, and affiliates. For consumer-facing services, please refer to the Credit Manager Consumer Privacy Policy available on our main website.

Information We Collect

We collect information to establish, support, and manage your business relationship with Credit Manager. This may include:

  1. Information You Provide
    • Business contact data: name, email address, phone number, company name, and business title.
    • Account credentials: login details, agency profile information, and verification data.
    • Billing information: payment preferences, payout details, tax forms, and IMS (Invoice Management Service) transaction history.
    • Compliance documentation: registration certificates, service agreements, identity verifications, and other documents submitted for legal or regulatory purposes.
    • Communications: emails, chat messages, and recorded meetings (Zoom, phone, or video) for quality assurance, education, or marketing.
  2. Automatically Collected Data
    • Usage and log data: IP address, browser type, activity timestamps, and referring URLs.
    • Device information: device identifiers, operating system, and session performance data.
    • Cookies and analytics: functional and security-related cookies used for authentication, reporting, and performance tracking.
  3. Third-Party Sources
    • We may receive supplemental data from trusted third parties — including merchant processors, CRM platforms (e.g., GoHighLevel), communication services (e.g., Twilio), analytics tools, and authorized affiliates — to enhance or verify your business profile.

How We Use the Information

Your information is used to support lawful business and operational purposes, including:

  • Establishing and maintaining your partner or agency account.
  • Managing access to the Platform and ensuring operational security.
  • Facilitating payments, billing, and compliance verification.
  • Administering cooperative advertising and lead distribution programs.
  • Providing training, onboarding, and support communications.
  • Conducting audits, analytics, and internal reporting.
  • Sending updates, notices, and promotional information related to Credit Manager programs (opt-out available).
  • Maintaining compliance with CROA, TSR, FCRA, and applicable state-level laws.

Emails and Communications

We may contact you via email, phone, SMS, or in-platform notifications to:

  • Confirm account creation, onboarding, or billing events.
  • Send updates related to your partnership, compliance requirements, or policy changes.
  • Deliver educational or marketing content relevant to your business relationship.

You may opt out of marketing messages at any time by following the “unsubscribe” link in our emails or by contacting us directly. Operational and compliance-related messages cannot be opted out of.

Recorded Meetings and Communications

Credit Manager may record virtual meetings, phone calls, and training sessions to ensure service quality, accuracy, and for educational or promotional purposes. By participating in these sessions, you consent to recording and understand that materials may be used internally or externally for business development and marketing consistent with this Policy.

Data Security and Retention

We implement appropriate administrative, technical, and physical safeguards to protect data against unauthorized access, alteration, or misuse.

Data is retained only as long as necessary to fulfill contractual or regulatory obligations, after which it is securely deleted or anonymized.

Partners are responsible for maintaining the confidentiality of their account credentials and ensuring authorized access within their organization.

Confidentiality and Partner Responsibilities

Each partner agrees to protect client and consumer information shared through the Platform in accordance with applicable federal and state laws, including the Credit Repair Organizations Act (CROA), Telemarketing Sales Rule (TSR), and Fair Credit Reporting Act (FCRA).

Credit Manager provides secure infrastructure and compliance automation tools, but each partner is independently responsible for compliance with applicable laws in their own business operations.

Cookies and Tracking Technologies

Cookies and similar tools may be used for login sessions, analytics, and feature optimization. You may disable non-essential cookies via your browser settings, but doing so may impact functionality.

Children’s Privacy

This Platform is intended for business use only and is not directed toward individuals under 18 years of age. We do not knowingly collect information from minors.

Policy Updates

We may revise this Privacy Policy periodically to reflect operational or legal changes. The “Effective Date” below will indicate the latest version. Any material updates will be communicated through the Platform or by email. Continued use of the Platform after changes constitutes acceptance of the updated Policy.

Contact Us

For questions, concerns, or data-related requests, please contact:

Credit Manager, Inc.
Attn: Privacy Compliance Department
Email: partners@creditmanager.io

Effective Date: March 01, 2021
Edited Dated: November 04, 2025