Privacy Statement for Credit Consulting Services.
Privacy Statement for Credit Consulting Services
Effective Date: May 25, 2026
Privacy Statement
At Colonial Investing, LLC d/b/a Colonial Credit Consulting and Colonial Investing, LLC, we respect your privacy. We are committed to protecting the personal information you share with us in connection with our credit consulting services. This Privacy Statement explains how we collect, use, store, and protect your information.
By using our services, website, or communicating with us, you agree to the practices described in this Privacy Statement.
Information We Collect
We may collect personal and financial information necessary to provide credit consulting and related services, including:
How We Use Your Information:
We implement reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction.
However, no electronic transmission or storage method can be guaranteed to be 100% secure.
Your Rights and Choices:
Depending on your location and applicable Law, you may have the right to:
1. Request access to your personal information
2 . Correct inaccurate information
3. Request deletion of your information
4. Withdraw consent for certain uses
5. Request a copy of your records
To exercise these rights, contact us using the information below.
Data Retention
We retain client records and personal information only as long as necessary to:
* Provide services.
*Comply with legal and regulatory obligations.
*Resolve disputes.
*Enforce agreements.
Communications
By providing your contact information, you consent to receive communications regarding your
account, services, updates, and related notices via phone, email, or text message. You may opt out of marketing communications at any time.
Cookies and Website Tracking.
If applicable, our website may use cookies and analytics tools to improve user experience and website performance. You may turn off cookies through your browser settings.
Children's Privacy
Our services are not directed to individuals under the age of 18, and we do not knowingly collect information from minors.
Changes to This Privacy Statement:
We reserve the right to update or modify this Privacy Statement at any time. Changes will become effective upon posting the revised version with an updated effective date.
Contact Information
If you have questions about this Privacy Statement or how your information is handled, please contact:
Colonial Investing, LLC
[Business Address]
Mount Dora, FL 32757
Phone: [Phone Number]
Email: hector@colonialcreditconsulting.com
Website: https://colonialcreditconsulting.com
Consumer Disclosure
Credit consulting services are intended for educational purposes, and increases in credit score are not guaranteed. Clients have the right to obtain copies of their own credit reports directly from the credit bureaus.
Terms & Conditions for Colonial Credit Consulting
Effective Date: May 25, 2026
Welcome to Colonial Credit Consulting ("Company," "we," "our," or "us"). By accessing our website, purchasing our services, or engaging with our consulting programs, you agree to the following Terms and Conditions.
Please read them carefully.
1. Services Provided
Colonial Credit Consulting provides credit education, credit consulting, and financial literacy guidance, credit report analysis, dispute assistance, and related consulting services designed
to help clients better understand and improve their credit profiles.
We do not guarantee any specific increase in credit score, funding approval, loan approval, or removal of accurate information from a credit report. Credit outcomes vary based on the individual
circumstances.
2. Eligibility
You must be at least 18 years old and legally capable of entering into a binding agreement to use our services and complete.
By using our services, you represent that all information provided to us is accurate and up to date.
3. Client Responsibilities
You agree to:
Provide accurate and truthful information
Submit requested documentation promptly
Maintain active communication with our team
Review your credit reports regularly
Understand that results cannot be guaranteed
Failure to cooperate or provide necessary information may delay or impact services.
4. Payment Terms
All service fees, setup fees, monthly fees, and related charges will be disclosed before enrollment.
By purchasing services, you authorize Colonial Credit Consulting to charge your selected payment method for agreed-upon fees.
Unless otherwise stated in writing:
Payments are non-refundable after services have begun
Monthly service plans automatically renew until canceled
Failed or declined payments may result in service suspension
We reserve the right to change pricing with prior notice.
5. Cancellation Policy
Clients may cancel services at any time by submitting written notice via email.
Cancellation requests must be received before the next billing date to avoid additional charges. Any work completed before cancellation remains billable.
6. No Guarantee of Results
Colonial Credit Consulting cannot and does not guarantee:
* Specific credit score increases
* Removal of all negative accounts
* Approval for loans, credit cards, mortgages, or funding
* Faster processing by credit bureaus or creditors
* Results depend on many factors outside our control, including creditor reporting practices and the accuracy of information contained in your credit reports.
7. Credit Repair Organizations Act (CROA) Compliance
We comply with all applicable federal and State laws, including the Credit Repair Organizations Act (CROA).
You have the right to:
* Receive a written contract before services begin
* Cancel services within 7 business days without penalty
* Receive clear disclosures regarding your legal rights
We do not ask clients to:
* Misrepresent information
* Create a new identity or credit profile
* Engage in fraudulent or illegal activity
8. Intellectual Property
All content, materials, branding, logos, educational resources, and website content provided by Colonial Credit Consulting is the intellectual property of the Company and may not be copied,
reproduced, or distributed without written permission.
9. Privacy
Your privacy is important to us. Information collected through our website or services is
handled in accordance with our Privacy Policy.
We may collect personal information necessary to provide services, including contact information
information and credit-related documentation.
We do not sell your personal information to third parties.
10. SMS & Email Communications
By providing your phone number or email address, you consent to receive communications
related to your account, services, reminders, promotions, and updates.
You may opt out of marketing communications at any time by:
Clicking "unsubscribe" in emails
Replying "STOP" to SMS messages
Message and data rates may apply.
11. Limitation of Liability
To the fullest extent permitted by Law, Colonial Credit Consulting shall not be liable for any indirect, incidental, special, or consequential damages arising from the use of our services.
Our total liability shall not exceed the amount paid by the client for services rendered.
12. Indemnification
You agree to indemnify and hold harmless Colonial Credit Consulting, its owners, employees, contractors, and affiliates from any claims, damages, losses, or legal expenses resulting from
your misuse of our services or violation of these Terms.
13. Third-Party Services
We may recommend or integrate third-party services such as credit monitoring providers, lenders, or software platforms.
We are not responsible for the policies, actions, or performance of third-party providers.
14. Modifications to Terms
We reserve the right to update or modify these Terms and Conditions at any time. Updated
versions will be posted on our website with the revised effective date.
Continued use of our services constitutes acceptance of updated terms.
15. Governing Law
These Terms and Conditions shall be governed by and interpreted under the laws of the State
of Florida, without regard to conflict of Law principles.
16. Contact Information
Colonial Credit Consulting
Email: info@colonialcreditconsulting.com
Phone: (Insert Phone Number)
Website: https://www.colonialcreditconsulting.com
SMS Messaging Consent & Terms
By providing your mobile phone number and opting in, you consent to receive text messages from Colonial Credit Consulting regarding account updates, appointment reminders, service notifications, marketing communications, and other business-related information.
By providing your mobile phone number and opting in, you consent to receive text messages from Colonial Credit Consulting regarding account updates, appointment reminders, service notifications, marketing communications, and other business-related information.
By opting in, you acknowledge that you have read and agree to these SMS Messaging Terms:
* Time to opt out of future text messages.
* You may reply HELP for additional information or assistance.
* Message and data rates may apply based on your mobile carrier's plan.
* Consent to receive text messages is not a condition of purchase.
By opting in, you acknowledge that you have read and agree to these SMS Messaging Terms.
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