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Privacy Policy

Last Updated: September 18, 2026

Vellora Credit Group LLC ("Vellora Credit Group," "Vellora," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit our website, submit a form, communicate with us, or use our services.

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By using our website or providing information to us, you acknowledge the practices described in this Privacy Policy. This Privacy Policy does not create contractual rights or obligations beyond those required by applicable law.

1. Information We Collect

We may collect the following categories of information:

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Information You Provide

When you complete a website form, request a free credit review, contact us, or communicate with our team, you may provide:

  • Your name;

  • Email address;

  • Telephone number;

  • Information you include in messages or communications; and

  • Other information you voluntarily provide after beginning a relationship with us.

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Our public website forms are intended to collect basic contact information. Please do not submit Social Security numbers, account passwords, full payment-card numbers, government identification documents, or complete credit reports through a general website contact form.

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Information Collected Automatically

When you visit our website, we and our service providers may automatically collect information such as:

  • Internet Protocol address;

  • Browser and device type;

  • Operating system;

  • Pages viewed and links selected;

  • Referring website or advertisement;

  • Approximate location derived from an IP address;

  • Date, time, and duration of visits; and

  • Cookie, pixel, and similar technology identifiers.

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Information From Service Providers and Partners

We may receive information from platforms and providers that support our services, including Wix, DisputeFox, SmartCredit, MyFreeScoreIQ, payment processors, communications providers, analytics providers, and advertising platforms. Information obtained from a third party is also subject to that party's privacy policy and your relationship with that party.

2. How We Use Personal Information

We may use personal information to:

  • Respond to inquiries and requests;

  • Provide and administer a free credit review or requested services;

  • Contact you about your inquiry, appointment, account, or services;

  • Operate, maintain, personalize, and improve our website and services;

  • Process payments and maintain transaction records;

  • Connect you with credit-monitoring or related service providers you choose to use;

  • Maintain customer records in our customer relationship management system;

  • Measure website traffic, advertising performance, and user engagement;

  • Detect, investigate, and prevent fraud, misuse, security incidents, and unlawful activity;

  • Enforce our agreements and protect our legal rights; and

  • Comply with applicable laws, regulations, court orders, and lawful government requests.

3. Calls, Emails, and Text Messages

If you provide your contact information and request that we contact you, we may communicate with you by telephone, email, or text message regarding your inquiry or services. Where required by law, marketing calls or text messages will be sent only with the appropriate consent.

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Consent to receive marketing communications is not a condition of purchasing services. Message and data rates may apply, and message frequency may vary. You may opt out of marketing text messages at any time by replying STOP. You may opt out of marketing emails by selecting the unsubscribe link in the message or contacting us at info@velloracreditgroup.com. You may still receive non-marketing communications relating to transactions, accounts, security, or services you requested.

4. Cookies, Analytics, and Advertising Technologies

We may use cookies, pixels, tags, analytics tools, and similar technologies to operate the website, remember preferences, understand how visitors use the website, measure advertising, and improve our services.

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These technologies may be provided by Wix, Google, Meta, and other service providers. Depending on your location and the technology used, certain analytics or advertising activity may be treated as "sharing," "targeted advertising," or a similar regulated activity under applicable privacy law.

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You may manage cookies through your browser settings and, when available, through our website's cookie controls. Blocking some cookies may affect website functionality. Browser-based Global Privacy Control signals will be honored where required by applicable law and supported by our website technology.

5. How We Disclose Personal Information

We may disclose personal information in the following circumstances:

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Service Providers

We may disclose information to companies that perform services on our behalf, including:

  • Wix for website hosting and forms;

  • DisputeFox for customer relationship management and service administration;

  • SmartCredit and MyFreeScoreIQ when you choose to access credit-monitoring or related services;

  • Payment processors for payment transactions;

  • Telephone, email, and text-message providers;

  • Google, Meta, and other analytics or advertising providers;

  • Information technology, cybersecurity, data-storage, and professional service providers.

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These providers may access information only as permitted by their agreements with us and applicable law.

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Legal and Safety Reasons

We may disclose information when we reasonably believe disclosure is necessary to comply with law, respond to legal process, protect the rights or safety of Vellora, our customers, or others, investigate fraud or misuse, or enforce our agreements.

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Business Transactions

Information may be disclosed or transferred as part of a merger, financing, acquisition, reorganization, sale of assets, bankruptcy, or similar business transaction, subject to applicable law.

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At Your Direction

We may disclose information when you request, direct, or consent to the disclosure.

6. Sale and Sharing of Personal Information

We do not sell personal information for money. We also do not knowingly sell or share the personal information of individuals under 18 years of age.

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Some website analytics or advertising technologies may be considered a "sale," "sharing," or use for targeted advertising under certain state privacy laws, even when no money is exchanged. Where applicable, you may request to opt out by using available cookie controls, enabling a recognized opt-out preference signal, or emailing info@velloracreditgroup.com with the subject line Privacy Request.

7. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including providing services, maintaining business and transaction records, resolving disputes, enforcing agreements, meeting legal and regulatory obligations, and protecting against fraud or security threats. Retention periods vary based on the type of information, the nature of our relationship, and applicable law.

8. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information. However, no website, transmission method, or storage system is completely secure. We cannot guarantee absolute security, and you should use caution when sending sensitive information electronically.

9. Your Privacy Rights

Depending on where you live and subject to applicable exceptions, you may have the right to:

  • Confirm whether we process your personal information;

  • Request access to or a copy of personal information we maintain about you;

  • Request correction of inaccurate personal information;

  • Request deletion of personal information;

  • Obtain certain information in a portable format;

  • Opt out of the sale or sharing of personal information, targeted advertising, or certain profiling;

  • Limit certain uses or disclosures of sensitive personal information, where applicable;

  • Withdraw consent when processing is based on consent; and

  • Appeal our decision regarding a privacy request, where applicable.

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You may exercise an applicable right by emailing info@velloracreditgroup.com with the subject line Privacy Request. Please identify the right you wish to exercise and provide enough information for us to locate your records. We may need to verify your identity before completing a request. We will use verification information only to process the request.

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You may use an authorized agent to submit a request where permitted by law. We may require proof of the agent's authority and may ask you to verify your identity directly. We will not discriminate against you for exercising a privacy right.

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If we deny an appealable request, you may submit an appeal by replying to our decision or emailing the address above with the subject line Privacy Appeal.

10. California Privacy Notice

California residents may have rights under the California Consumer Privacy Act, as amended, subject to statutory thresholds and exceptions. The categories of personal information we may collect are described in Section 1, the purposes for collection and use are described in Section 2, and the categories of recipients are described in Section 5.

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Depending on whether the law applies to Vellora and the request, California residents may request to know, access, correct, or delete personal information and may opt out of the sale or sharing of personal information. Vellora does not use or disclose sensitive personal information collected through the public website for purposes requiring a right to limit under California law.

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California's "Shine the Light" law may permit California residents to request certain information about disclosures of personal information to third parties for their direct marketing purposes. Requests may be sent to info@velloracreditgroup.com.

11. Third-Party Websites and Services

Our website may link to third-party websites or services, including SmartCredit, MyFreeScoreIQ, payment services, and social media platforms. We do not control the privacy practices, security, or content of third parties. Review their privacy policies before providing information to them.

12. Children's Privacy

Our website and services are intended for adults and are not directed to children under 13. We do not knowingly collect personal information from children under 13 through the website. If you believe a child has provided personal information to us, contact info@velloracreditgroup.com so we can review and, when appropriate, delete it.

13. Do Not Track

Some browsers offer a "Do Not Track" setting. Because there is not a universally accepted standard for responding to Do Not Track signals, our website may not respond to them. We honor legally recognized opt-out preference signals, such as Global Privacy Control, where required by applicable law and supported by our website technology.

14. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, services, technology, or legal obligations. The revised policy will be posted on this page with an updated effective date. Material changes may be communicated through the website or by another appropriate method.

15. Contact Us

For questions about this Privacy Policy or to submit a privacy request, contact:

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Vellora Credit Group LLC
Email: info@velloracreditgroup.com

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