Privacy Policy

Effective Date: August 22, 2026

1. Introduction

Crédito Texas ("Company," "we," "us," or "our") respects your privacy. This Privacy Policy explains what information we collect through our website (creditotexas.com) and our services, how we use it, and the choices you have, including with respect to text messaging (SMS) communications.

2. Information We Collect

We may collect the following information:

• Contact information you provide, such as your name, phone number, email address, and mailing address

• Information submitted through our $1 credit report request, consultation scheduling, and contact forms

• Details you share during a consultation, including information related to your credit profile, financial goals, and homeownership plans

• Information submitted by Realtors, Loan Officers, Builders, or other referral partners on your behalf

• Information needed to prepare your tax returns, such as Social Security or taxpayer identification numbers, income and employment records, dependent information, and records supporting deductions and credits

• Information needed to submit an insurance application, such as date of birth, beneficiary details, and the health, lifestyle, and financial information the carrier requires to underwrite your policy

• Information needed to form or maintain a business entity, such as business name, ownership and member details, and registered agent information

• Standard website usage data, such as pages visited, browser type, and device information, collected automatically

Some of this information is sensitive. We collect it only where it is necessary to deliver a service you have requested, and we handle it as described below.

3. How We Use Your Information

We use the information we collect:

• To respond to your requests, schedule consultations, and provide the services you request

• To review your credit report, explain your consumer rights, and create a personalized strategy

• To send appointment reminders, confirmations, and updates about your consultation or credit review

• To prepare and file your tax returns and to provide tax planning services

• To prepare and submit insurance applications to carriers and to service your policy

• To form your business entity and make the state filings required to keep it in compliance

• To share educational resources and, where you have separately opted in, marketing communications

• To improve our website and services

4. Text Messaging (SMS) Communications

If you provide your phone number and opt in, Crédito Texas may send you text messages related to appointment reminders, consultation confirmations, and updates about your credit report review. If you separately opt in, we may also send promotional and marketing messages.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

You may opt out of text messages at any time by replying STOP. You may request help by replying HELP. Message frequency varies, and message and data rates may apply.

5. How We Protect Your Information

We use reasonable administrative, technical, and physical safeguards to protect the information you share with us. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

6. Your Choices

You may:

• Opt out of text messages at any time by replying STOP to any message you receive

• Unsubscribe from marketing emails using the link included in any email

• Contact us at [email protected] to request access to, correction of, or deletion of your information, subject to applicable law

7. When We Share Your Information

We do not sell your personal information. We share it only in the following situations, and only to the extent necessary:

• Credit bureaus and creditors, to submit disputes and obtain your credit reports at your request

• Insurance carriers and their underwriters, to submit an application, obtain a quote, or service a policy you have applied for

• Tax authorities, including the IRS and state agencies, to file the returns you have authorized us to prepare

• State filing offices, such as the Texas Secretary of State, to form or maintain your business entity

• Service providers who help us operate our business, such as our scheduling, e-signature, and customer management platforms, under obligations to protect your information

• Referral partners such as Realtors, Loan Officers, or Builders, only when you ask us to connect you and only with the information needed to make that introduction. Those partners are responsible for their own privacy practices.

• Where required by law, such as in response to a subpoena, court order, or lawful government request

Tax return information. Federal law prohibits us from using or disclosing the information contained in your tax return for any purpose other than preparing, assisting in preparing, or obtaining or providing services in connection with that return, unless you give us separate written consent. We will not use your tax return information to market other services to you without that consent.

Health information. Health information you provide for an insurance application is used only to obtain quotes, submit your application, and service the resulting policy. It is not used for marketing and is not shared for marketing purposes.

8. Cookies and Website Analytics

Our website may use cookies and similar technologies to understand how visitors use our site and to improve our services. You can adjust your browser settings to limit cookies, though some site features may not function properly as a result.

9. Children's Privacy

Our services are not directed to individuals under 18, and we do not knowingly collect information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The effective date at the top of this page reflects the most recent revision.

11. Contact Us

Crédito Texas
2002 Timberloch Place, Suite 200
The Woodlands, Texas 77380
Phone: (346) 291-1990
Email: [email protected]
Website: www.creditotexas.com