Policies and Terms - credit1solutions

Table of Contents

1. Code of Ethics
2. Terms of Use
3. Privacy Policy

Policies & Terms

Effective Date : 08/01/2006

Welcome to Credit1Solutions.com®. Your use of our website and services is governed by the following policies, which outline our ethical commitments, privacy practices, and terms of service. By accessing our site, you agree to these terms.

1. Code of Ethics

Defining Our Commitment

At Credit1Solutions.com, we believe that ethical conduct is the foundation of trust—trust among team members, clients, partners, and the public. Our Code of Ethics outlines the principles that guide our decisions, our behavior, and our workplace culture. It reflects our dedication to integrity, transparency, and respect in every interaction.

Our Ethical Commitment

Compliance with Laws and Regulations

Credit1Solutions.com complies fully with all applicable local, state, and federal laws, as well as industry regulations. But we go further—we strive to operate with integrity in situations where laws may not provide specific direction, prioritizing ethical decision-making at every level.

Core Values and Ethical Guidance

Ethical challenges are not always black and white. That’s why we combine this Code of Ethics with:

Our mission and core values
Internal policies and manuals
Open-door guidance from leadership and Human Resources

Together, these tools empower our team to uphold the highest standards of business conduct.

Responsibilities Across Our Organization

Credit1Solutions.com’s Corporate Responsibilities

Policy Creation: Define ethical policies and principles for consistent company-wide application.
Resource Provision: Equip associates with clear, accessible resources and guidance.
Preventive Measures: Monitor and mitigate ethical risks proactively.
Ethical Culture: Maintain a safe, respectful, and inclusive environment that encourages ethical behavior.
Investigation Protocols: Promptly and thoroughly investigate reported or suspected violations.
Confidentiality Assurance: Handle all reports and investigations with confidentiality and discretion, consistent with legal obligations.

Leadership Responsibilities

Leaders at Credit1Solutions.com are expected to:

Model the Standard: Lead by example and embody the company’s ethical values.
Educate and Empower: Ensure team members understand and apply this Code.
Promote Accountability: Emphasize integrity as a core job responsibility.
Foster Dialogue: Create an open environment for discussing concerns without fear of retaliation.
Support Ethics Investigations: Cooperate fully and promote transparency when ethical issues arise.
Extend Expectations: Ensure that contractors, vendors, and agents align with our ethical standards.

Every Associate’s Responsibilities

Understand the Code: Read, comprehend, and adhere to this Code and company policies.
Promote Ethical Practices: Contribute to a culture where doing the right thing is the norm.
Seek Clarification: Ask questions when unsure—Human Resources is always available.
Report Concerns: Speak up if you witness unethical behavior.
Know the Law: Stay informed about legal and regulatory duties specific to your role.

Equal Opportunity and Anti-Harassment

Diversity & Inclusion Commitment

We are proud to be an equal opportunity employer. All employment decisions are made based on merit, qualifications, and business need, without regard to race, color, religion, gender, age, disability, sexual orientation, or any other legally protected status. We are committed to maintaining a harassment-free and inclusive workplace.

Client Relationships

Earning and Sustaining Trust

Our clients trust us with sensitive information and critical tasks. That trust is earned through transparency, honesty, and ethical service delivery. Associates must:

Provide truthful information
Avoid overpromising results
Maintain the highest standards in every client interaction

Information Security and Confidentiality

Protecting personal and proprietary information is vital to our credibility and legal compliance. All associates are expected to:

Handle data responsibly and securely
Access only the information needed for their duties
Refrain from disclosing confidential data to unauthorized individuals
Uphold confidentiality obligations even after leaving Credit1Solutions.com

Conflicts of Interest and External Employment

Respecting Boundaries

Associates may engage in external employment or personal ventures, but these must not:

Conflict with their duties at Credit1Solutions.com
Involve using company resources for personal gain
Compromise client relationships or proprietary information

Disclosure Required : Any outside activities or interests that could pose a potential conflict must be disclosed to Human Resources for review.

Ethics in Practice

Ethical behavior isn’t just about avoiding misconduct—it’s about making choices that reflect our shared values. This Code is a living document, one that grows with our team, our responsibilities, and the world around us. Together, we uphold a workplace where doing what’s right isn’t just expected – it’s celebrated.

For questions, concerns, or clarifications regarding this Code of Ethics, please contact:

Credit1Solutions.com
Email: support@credit1solutions.com
Phone: 1-877-782-7839

2. Terms of Use

Acceptance of Terms

By using our website or any of our services, including consultations, legal assistance, credit repair, debt adjustment, or financial education tools, you acknowledge and accept the terms outlined in this Agreement. Continued use of our platform indicates your continued acceptance of any updated terms.

Our Services

Credit1Solutions offers attorney-supported credit repair, debt adjustment, and financial counseling. You may be required to enter into a separate written agreement to receive services. By requesting a credit assessment or consultation, you authorize us to obtain your credit reports under the Fair Credit Reporting Act (FCRA).

User Responsibilities

You agree to :

Provide truthful, accurate, and current information.
Keep your login credentials secure.
Notify us immediately of unauthorized access.
Not impersonate another person or misrepresent your identity.

Arbitration and Waiver of Class Actions

You agree to resolve any dispute with Credit1Solutions through binding individual arbitration and waive the right to a jury trial or to participate in a class action. The arbitration will follow the rules of the American Arbitration Association. We may reimburse up to $300 of your arbitration filing fee.

Ownership and Intellectual Property

All content, branding, software, and design are proprietary to Credit1Solutions or our licensors. You may not reproduce, distribute, modify, or create derivative works from our content without express written consent.

Limited License

We grant you a limited, non-transferable license to access and use the website for personal, non-commercial use. You agree not to engage in scraping, reverse engineering, automated extraction, or unauthorized data access.

Disclaimer of Warranties

The website and services are provided “AS IS” and “AS AVAILABLE.” Credit1Solutions makes no warranties, express or implied, regarding reliability, availability, or suitability of our site or services.

Limitation of Liability

Credit1Solutions shall not be liable for any indirect, incidental, or consequential damages resulting from the use or inability to use our services or site. Some jurisdictions may not allow the exclusion of certain damages, and our liability is limited to the maximum extent permitted by law.

Indemnification

You agree to indemnify and hold harmless Credit1Solutions, its officers, affiliates, and staff from any claims or damages arising from your use of our site or violation of these terms.

Privacy and Data

By using our services, you consent to the collection, storage, and use of your information as described in our Privacy Policy. We may record phone calls and maintain records for quality and legal compliance.

Communications and Electronic Notices

You agree to receive communications from us electronically, including legal disclosures and updates. If you no longer wish to transact electronically, you must discontinue use of our website and services.

Service Access

You are responsible for obtaining the necessary equipment and Internet connection to access our website. Charges from mobile carriers or ISPs are your responsibility.

Modifications to Terms

We reserve the right to modify these terms at any time. Changes become effective upon posting to our website. Your continued use constitutes acceptance.

Termination

We reserve the right to suspend or terminate access to our services or website at our sole discretion, including if you violate these terms or engage in fraudulent or harmful activity.

Governing Law

This Agreement shall be governed by the laws of the Commonwealth of Kentucky, except where federal law applies (e.g., the Federal Arbitration Act).

Severability

If any part of this Agreement is held invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Contact Us

If you have any questions or require assistance, please contact us at:

Credit1Solutions.com
Customer Support: support@credit1solutions.com
Phone: 1-877-782-7839

3. Privacy Policy

Information We Collect

Personal Information

Includes data that can identify or be linked to you, such as:

Name, address, phone number, email
Social Security Number or Tax ID
Payment and billing details
Login credentials and case details

We collect this information when you:

Submit a request for services or consultation
Interact with us online or by phone
Sign up for messages or alerts
Use third-party links related to our services

We may also collect information from third-party providers such as:

Credit bureaus
Public databases
Aggregators and service affiliates

Non-Personal Information

Includes browser type, IP address, device identifiers, website behavior, and aggregated data that cannot directly identify you.

How We Use Your Information

Your information is used to:

Deliver services, reports, and recommendations
Authenticate your identity and protect your account
Improve services and perform internal analytics
Communicate service updates or marketing offers (when consented)
Fulfill legal, regulatory, or contractual obligations

We may use your email or phone number to:

Confirm appointments or service progress
Send newsletters or special offers
Provide account recovery assistance
Support legally required notifications

Communications

Text Messaging: By opting in, you agree to receive automated SMS updates related to your account. Message/data rates may apply. Reply STOP to cancel.

Email: We may send informational and promotional emails. You can opt out by clicking “unsubscribe” at the bottom of any message or emailing us directly.

Security Note: We never request sensitive information via email or text. If you receive suspicious communication, notify us immediately at support@credit1solutions.com.

Cookies, Analytics & Tracking

We use cookies and tracking technologies to:

Understand user behavior
Improve site functionality
Deliver interest-based ads (e.g., via Google Ads or Meta)

You can manage cookies through your browser settings. Disabling cookies may limit certain features.

Third-party analytics (e.g., Google Analytics) may collect anonymized data on our behalf. You can opt out using browser add-ons or respective provider tools.

Information Sharing

We do not sell your personal data. We only share it when:

Required by law or legal process
With vendors providing services on our behalf (e.g., dispute resolution, payment processing)
In the case of business transfers, such as mergers or acquisitions
With your explicit consent

Security Measures

We protect your information using SSL encryption, role-based access controls, secure databases, and monitoring tools. However, no digital system is entirely foolproof. Please take care with passwords and avoid sending sensitive data over unencrypted emails.

Data Retention

We retain data as long as necessary to:

Deliver services
Meet legal and regulatory requirements
Maintain internal records (typically up to 7 years)

You may request access or deletion of your information, subject to legal obligations. Some requests may be declined if they interfere with other rights or are excessively burdensome.

Your Rights

Depending on your jurisdiction, you may have the right to:

Access your personal data
Correct inaccurate information
Request data deletion (with exceptions)
Opt out of marketing or data sharing (where applicable)
File complaints with regulatory bodies

To submit a privacy request, email us at privacy@credit1solutions.com or call 1-877-782-7839.

Children’s Privacy

We do not knowingly collect data from children under 13. If such information is submitted, we will delete it upon discovery.

Updates to this Policy

We may revise this Privacy Policy to reflect changes in law, services, or data practices. Revisions will be posted on this page with an updated date.

Contact Us

If you have questions or wish to exercise your privacy rights, contact:

Credit1Solutions.com
Email: support@credit1solutions.com
Phone: 1-877-782-7839
Address: 5284 N Dixie Hwy, Elizabethtown, KY 42701