Privacy Policy

Last updated: January 2026. This policy applies to hvcreditinc.com and the services provided by Higher Vision Consulting Inc ("we," "us," "our").

Information we collect

When you request a free consultation or enroll in our services, we may collect:

Contact details such as your name, email address and phone number.
Information you choose to share about your goals and financial situation.
With your authorization, information from your credit reports and the three credit bureaus that we need in order to help you.
Basic technical data, such as your browser type and pages visited, collected through cookies to help us understand and improve the site.

How we use your information

We use the information you provide to:

Contact you about your consultation and the services you request.
Review your credit reports and work on the items you authorize us to address.
Provide support, respond to questions and keep you updated on your progress.
Meet our legal and regulatory obligations.

How we share information

We do not sell your personal information. We share it only as needed to deliver our services, for example with the credit bureaus and creditors when we dispute items on your behalf, and with trusted service providers who help us operate, always under confidentiality obligations. We may also disclose information when required by law.

Data security

We use reasonable administrative, technical and physical safeguards to protect your information. No method of transmission or storage is completely secure, so while we work hard to protect your data, we cannot guarantee absolute security.

Your choices

You may ask us to update or delete your information, and you may opt out of marketing messages at any time. You always have the right to obtain your own credit reports and to dispute inaccurate information yourself, at no cost.

Cookies

This website uses cookies to analyze traffic and improve your experience. You can control cookies through your browser settings.

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