Effective Date: August 2026
AJS Financial Solutions, LLC (“Company,” “we,” “us,” or “our”) provides credit repair, credit education, and related consumer-finance services. This Privacy Policy explains how we collect, use, disclose, retain, and protect information when you visit or use our website, online forms, customer portal, mobile-accessible services, communications, or other online features that link to this Privacy Policy (collectively, the “Site”). By using the Site, submitting information to us, or engaging our services, you acknowledge that you have read and understand this Privacy Policy.
Article 1 — Information We Collect
1.01 Information You Provide to Us. We may collect information that you voluntarily provide to us, including:
A. Identity and contact information. Name, mailing address, email address, telephone number, date of birth, Social Security number, government-issued identification information, and other information used to identify or contact you.
B. Credit and financial information. Credit reports, credit scores, tradeline information, account numbers, creditor names, debt information, payment history, related information, banking or payment information, and other information relevant to credit repair or consumer-finance services.
C. Service-related information. Information you provide in consultations, question forms, disputes, authorizations, customer-service communications, uploaded documents, electronic signatures, and account-management communications.
D. Payment information. Billing address, payment method details, transaction history, and related payment-processing information. Payment card or banking information may be processed by an authorized payment vendor, subject to that vendor’s privacy and security practices.
E. Communications. Emails, text messages, chat communications, call recordings or transcripts, customer-service requests, and other communications between you and us, subject to applicable law and your communication preferences.
1.02 Information Collected Automatically. When you use the Site, we and our service providers may automatically collect certain information, including:
A. Internet Protocol address, device identifiers, browser type, operating system, referring pages, pages viewed, access times, approximate location from device or network information, and Site usage data.
B. Cookies, pixels, tags, web beacons, local storage objects, analytics tools, session-replay tools, and similar technologies, to the extent used by us or our vendors.
1.03 Information from Third Parties. We may collect information from third parties in connection with providing our services, including:
A. Consumer reporting agencies, credit bureaus, creditors, furnishers, collection agencies, public records, identity-verification providers, payment processors, marketing partners, lead providers, customer relationship management platforms, document-management providers, and other service providers.
B. Information obtained pursuant to your authorization, including credit reports and related consumer-report information.
C. Information received through referrals, affiliate relationships, or joint marketing arrangements, if applicable (e.g., Smart Credit).
D. Sensitive Personal Information. Because our services involve credit repair and consumer-finance matters, we may collect sensitive information, including Social Security numbers, government identification information, financial account information, credit-report information, and other information considered sensitive under applicable law. We use and disclose sensitive information only as reasonably necessary for the purposes described in this Privacy Policy, to provide requested services, to comply with law, to detect or prevent fraud or security incidents, or with your consent.
Article 2 — How We Use Information
2.01 Service Delivery. We may use information to:
A. Evaluate your eligibility for, interest in, or need for our services.
B. Provide credit repair, credit education, dispute preparation, document review, customer support, and related services.
C. Obtain and review credit reports or consumer-report information when authorized by you.
D. Prepare, submit, track, and maintain credit-related disputes, correspondence, supporting documents, and service records.
E. Verify your identity, administer your account, process payments, provide invoices or receipts, and communicate with you about services.
2.02 Customer Communications. We may use information to communicate with you by mail, email, telephone, text message, portal message, or other means regarding account setup, service updates, appointments, document requests, dispute status, billing, customer support, notices, policy updates, and other transactional or service-related matters. Marketing or promotional messages may be sent where permitted by law and subject to any required consent and opt-out rights.
2.03 Website Operations and Improvement. We may use information to operate, maintain, troubleshoot, secure, personalize, measure, and improve the Site; understand visitor behavior; test features; develop services; and analyze the effectiveness of communications and marketing.
2.04 Compliance, Security, and Legal Purposes. We may use information to comply with applicable laws and contractual obligations; enforce our agreements and policies; maintain business records; respond to lawful requests; detect, investigate, prevent, or address fraud, identity theft, unauthorized access, security incidents, illegal activity, or misuse of the Site; and protect the rights, property, safety, and interests of the Company, our customers, and others.
Article 3 — How We Disclose Information
3.01 Service Providers and Vendors. We may disclose information to vendors and service providers that perform services for us or on our behalf, including customer portal providers, credit-report access providers, payment processors, identity-verification providers, cloud hosting providers, communications providers, analytics providers, document-management providers, marketing platforms, professional advisers, and customer-support vendors.
3.02 Consumer Reporting Agencies, Creditors, and Furnishers. With your authorization or as otherwise permitted by law, we may disclose information to consumer reporting agencies, credit bureaus, creditors, furnishers, collection agencies, and related entities for purposes of providing credit repair or related services.
3.03 Payment Processing. We may disclose billing and transaction information to payment processors, banks, card networks, and fraud-prevention vendors as necessary to process payments, issue refunds, manage chargebacks, and prevent fraud.
3.04 Legal, Compliance, and Safety Disclosures. We may disclose information when we believe disclosure is appropriate to comply with law, legal process, regulatory requirements, governmental requests, subpoenas, court orders, or similar obligations; to enforce our agreements; to protect against fraud or security threats; or to protect the rights, property, or safety of the Company, customers, or others.
3.05 Business Transactions. We may disclose or transfer information in connection with a merger, acquisition, financing, reorganization, bankruptcy, sale of assets, transfer of business operations, or similar transaction involving all or part of our business.
3.06 Professional Advisers. We may disclose information to attorneys, accountants, auditors, insurers, consultants, compliance professionals, and other professional advisers who assist us in operating, protecting, or evaluating our business.
3.07 With Your Consent or Direction. We may disclose information with your consent, at your direction, or as otherwise described to you at the time of collection.
3.08 No Sale of Credit Repair Customer Information. We do not sell your credit repair file, credit-report information, Social Security number, financial account information, or documents submitted for credit repair services. If our practices change, we will update this Privacy Policy and provide any notices or choices required by applicable law.
Article 4 — Cookies, Analytics, and Online Tracking
4.01 Use of Tracking Technologies. We may use cookies and similar technologies to operate the Site, remember preferences, support security features, measure traffic, understand how visitors use the Site, improve content, and support marketing activities.
4.02 Managing Cookies. You may be able to manage cookies through your browser or device settings. If you disable certain cookies, some Site features may not function properly.
A. Analytics and Advertising. We may use analytics and advertising vendors to help us understand Site activity and measure marketing performance. These vendors may collect information over time and across websites or online services, depending on the tools used and your settings.
B. Do Not Track and Global Privacy Signals. Some browsers or devices may transmit “Do Not Track” or similar signals. The Site’s response to such signals depends on the technologies deployed and applicable legal requirements.
Article 5 — Financial Privacy and Credit-Related Information
5.01 Credit Repair and Consumer-Finance Data. Information we collect in connection with credit repair services may include highly sensitive personal, financial, and consumer-report information. We use this information to provide requested services, communicate with you, administer your account, document our services, comply with legal obligations, and protect against fraud or unauthorized activity.
5.02 Authorized Access to Credit Reports. We access, obtain, or review credit reports and related consumer-report information only when authorized by you or otherwise permitted by applicable law. You may be required to execute separate authorizations, disclosures, consents, or service agreements before we obtain or use certain credit-related information.
5.03 Limitations on Use. We do not use credit-report information for purposes unrelated to providing our services, administering your account, complying with law, protecting against fraud or security incidents, or other purposes permitted by your authorization.
5.04 Financial Privacy Notices. If we are required to provide a separate financial privacy notice or other legally required privacy disclosure, that notice will supplement this Privacy Policy. If there is a conflict between a legally required financial privacy notice and this Privacy Policy, the more specific notice will govern to the extent of the conflict.
Article 6 — Text Messages, Calls, and Email Communications
6.01 Service Communications. By providing contact information, you authorize us to communicate with you regarding your inquiry, account, services, billing, appointments, document requests, disputes, and other service-related matters, subject to applicable law and your communication preferences.
6.02 Text Messages and Automated Communications. If you provide a mobile number and consent to receive text messages or automated communications, we may send service-related or marketing messages as permitted by law. Message frequency may vary. Message and data rates may apply. You may opt out of marketing text messages as instructed in the applicable message. Opting out of marketing messages will not prevent us from sending non-marketing messages related to your account, transactions, legal notices, or services.
6.03 Email Marketing. You may opt out of marketing emails by following the instructions in the email or contacting us at infos@ajsfinancialsolutions.com. We may continue to send transactional, administrative, legal, or service-related emails.
Article 7 — Data Security
7.01 Security Measures. We use administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, and destruction. These safeguards may include access controls, encryption where appropriate, secure document storage, vendor due diligence, employee confidentiality obligations, authentication procedures, and monitoring for suspicious activity.
7.02 No Absolute Security. No website, transmission, storage system, or method of electronic processing is completely secure. We cannot guarantee that unauthorized access, hacking, data loss, or other security incidents will never occur.
7.03 Customer Responsibilities. You are responsible for maintaining the confidentiality of any account credentials, portal access, email account, mobile device, and other means by which you access or communicate with us. You should promptly notify us at infos@ajsfinancialsolutions.com if you believe your account, credentials, or information may have been compromised.
Article 8 — Data Retention
8.01 Retention Periods. We retain information for as long as reasonably necessary to provide services, maintain customer records, administer accounts, resolve disputes, enforce agreements, comply with legal and regulatory obligations, support audits, prevent fraud, and maintain business records.
8.02 Retention Criteria. The length of time we retain information may depend on the type of information, the purposes for which it was collected, the sensitivity of the information, legal requirements, dispute or chargeback considerations, security needs, and our document-retention practices.
8.03 Deletion and De-Identification. When information is no longer reasonably required, we may delete, de-identify, aggregate, or securely retain it in accordance with our records-management practices and applicable law.
Article 9 — Your Privacy Choices and Rights
9.01 Access, Correction, and Deletion Requests. Depending on applicable law and the nature of your relationship with us, you may request access to, correction of, or deletion of certain personal information. We may verify your identity before processing a request and may deny or limit a request where permitted or required by law.
9.02 Opt-Out Choices. You may request to opt out of certain marketing communications, targeted advertising practices, or other optional data uses, if applicable.
9.03 Sensitive Information Choices. Where required by applicable law, we will obtain consent before collecting or processing sensitive information for purposes requiring consent. Certain sensitive information may be necessary for us to provide credit repair or related services, and declining to provide that information may limit or prevent our ability to provide services.
9.03 Authorized Agents. If applicable law permits you to use an authorized agent to submit a privacy request, we may require proof of the agent’s authority and may require you to verify your identity directly with us.
9.04 Appeals. If applicable law gives you the right to appeal our decision regarding a privacy request, you may submit an appeal by contacting us at infos@ajsfinancialsolutions.com and stating that you are appealing a privacy-request decision.
9.05 Non-Discrimination. We will not unlawfully discriminate against you for exercising privacy rights available to you under applicable law.
Article 10 — Texas Privacy Rights
10.01 Texas Consumers. If you are a Texas resident and applicable law grants you privacy rights with respect to personal data that is not exempt from those laws, you may have the right to request that we:
A. Confirm whether we process your personal data and provide access to such data.
B. Correct inaccuracies in your personal data, taking into account the nature of the data and the purposes of processing.
C. Delete personal data provided by or obtained about you, subject to applicable exceptions.
D. Provide a copy of personal data that you previously provided to us in a portable and readily usable format, where technically feasible and legally required.
E. Opt-out of processing for targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects, if applicable to our practices.
10.02 Exemptions and Limitations. Some information we collect or process may be subject to exemptions or limitations under applicable privacy, financial-services, consumer-reporting, credit repair, fraud-prevention, security, litigation, or records-retention laws. We will apply applicable rights, exemptions, and limitations when responding to a request.
10.03 Submitting Texas Privacy Requests. Texas privacy requests may be submitted by contacting us at infos@ajsfinancialsolutions.com. We may require information reasonably necessary to authenticate your identity and process your request.
Article 11 — Children’s Privacy
11.01 No Services Directed to Children. The Site and our services are not directed to children under thirteen years of age, and we do not knowingly collect personal information from children under thirteen.
11.02 Deletion Requests. If you believe a child has provided personal information to us, please contact us at infos@ajsfinancialsolutions.com so that we may review and, where appropriate, delete the information.
Article 12 — Third-Party Websites and Services
12.01 Third-Party Services. The Site may reference or integrate third-party services, including payment processors, customer portals, scheduling tools, analytics tools, communication tools, or social media features. Those third parties may collect information under their own privacy policies and terms.
12.02 No Control Over Third Parties. We are not responsible for the privacy, security, or content practices of third-party websites, applications, or services that we do not control.
Article 13 — Information for California and Other State Residents
13.01 State-Specific Rights. Residents of certain states may have additional privacy rights. If a state privacy law applies to our processing of your personal information and grants you rights beyond those described in this Privacy Policy, we will respond to verified requests as required by applicable law.
13.02 Categories of Information. The categories of personal information we may collect include identifiers, contact information, financial information, credit-related information, commercial information, internet or electronic network activity information, geolocation information derived from network or device data, communications, professional or employment-related information if provided by you, sensitive personal information, and inferences derived from the foregoing.
13.03 Categories of Recipients. The categories of recipients to whom we may disclose information include service providers, payment processors, consumer reporting agencies, creditors, furnishers, collection agencies, professional advisers, compliance vendors, marketing and analytics vendors, governmental authorities where required, and business transaction counterparties.
13.04 Sale, Sharing, and Targeted Advertising. We do not knowingly sell or share personal information of individuals under sixteen years of age. For information about our current practices regarding sale, sharing, targeted advertising, and cross-context behavioral advertising, please contact us.
Article 14 — International Users
14.01 United States Operations. We are based in San Antonio, Texas, United States, and the Site is intended for use by individuals located in the United States.
14.02 Transfer and Processing. If you access the Site from outside the United States, you understand that information may be processed and stored in the United States, where privacy laws may differ from those in your jurisdiction.
Article 15 — Changes to This Privacy Policy
15.01 Updates. We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or business operations.
15.02 Effective Date. The updated Privacy Policy will be effective when posted or as otherwise stated in the updated policy. The “Effective Date” above indicates when this Privacy Policy was last updated.
15.03 Material Changes. If we make material changes, we may provide additional notice as appropriate under the circumstances, including by posting a notice on the Site, sending an email, or providing notice through your account or customer portal.
Article 16 — Contact Us
16.01 Privacy Contact. If you have questions about this Privacy Policy, our privacy practices, or your privacy choices, you may contact us at:
AJS Financial Solutions, LLC
Attn: Privacy Office
12370 Potranco Rd., Suite 207 #465
San Antonio, Texas 78253
Email: infos@ajsfinancialsolutions.com
16.02 Security Contact. If you believe your account or information may have been compromised, contact us promptly at infos@ajsfinancialsolutions.com.
16.03 Customer Service. For questions about your credit repair services, account status, billing, or service documents, contact infos@ajsfinancialsolutions.com.