Privacy Policy

1. Introduction

D2 Global Services ("Company," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us in any way.

By using our website or engaging our credit repair services, you consent to the data practices described in this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access our website or use our services.

2. Information We Collect

2.1 Personal Information You Provide

When you use our services, submit forms, or contact us, we may collect the following personal information:

• Identity Information: Full legal name, date of birth, Social Security number
• Contact Information: Email address, phone number, mailing address
• Financial Information: Credit report data, credit scores, account information, dispute history
• Payment Information: Credit or debit card number, billing address (processed securely through Authorize.net; we do not store full card numbers on our servers)
• Communication Records: Emails, messages, and other correspondence with our team

2.2 Information Collected Automatically

When you visit our website, we may automatically collect certain information, including:

• Device Information: Browser type, operating system, device type
• Usage Data: Pages visited, time spent on pages, referring URLs
• IP Address: Your Internet Protocol address for security and analytics purposes
• Cookies and Tracking Technologies: We use cookies and similar technologies to enhance your browsing experience and analyze website traffic

2.3 Information from Third Parties

With your authorization, we may obtain your credit reports and related information from Equifax, Experian, TransUnion, and other consumer reporting agencies to provide our credit repair services.

3. How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To analyze your credit reports, prepare and submit dispute letters, and provide credit repair services
• Communication: To contact you regarding your account, service updates, progress reports, and respond to your inquiries
• Payment Processing: To process your payments securely through our payment processor, Authorize.net
• Legal Compliance: To comply with applicable laws, regulations, and legal processes, including the Credit Repair Organizations Act and the Fair Credit Reporting Act
• Service Improvement: To improve our website, services, and client experience
• Security: To detect, prevent, and address fraud, unauthorized access, and other security issues

4. How We Share Your Information

We do not sell, rent, or trade your personal information to third parties for marketing purposes. We may share your information only in the following circumstances:

• Credit Bureaus and Creditors: We share necessary information with Equifax, Experian, TransUnion, and relevant creditors or collection agencies as part of the dispute process you have authorized
• Payment Processor: Payment information is transmitted securely to Authorize.net for transaction processing. Authorize.net maintains PCI DSS compliance for the protection of your payment data
• Legal Requirements: We may disclose your information if required by law, court order, subpoena, or other legal process
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, with notice provided to you
• With Your Consent: We may share your information with third parties when you have given us explicit consent to do so

5. Data Security

We take the security of your personal information seriously and implement appropriate technical and organizational measures to protect it. These measures include:

• Encryption of data in transit using SSL/TLS technology
• Secure payment processing through Authorize.net's PCI DSS-compliant platform with Accept.js tokenization (your card details are tokenized client-side and never touch our servers)
• HMAC-SHA512 transaction verification using Authorize.net Signature Key
• Access controls limiting employee access to personal information on a need-to-know basis
• Regular security assessments and monitoring

While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is completely secure. We cannot guarantee absolute security, but we are committed to maintaining industry-standard protections.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, accounting, or reporting requirements. When your information is no longer needed, we will securely delete or anonymize it. Generally, we retain client records for a minimum of five (5) years after the conclusion of services to comply with applicable record-keeping requirements.

7. Your Rights

Depending on your location, you may have the following rights regarding your personal information:

• Right to Access: You may request a copy of the personal information we hold about you
• Right to Correction: You may request that we correct inaccurate or incomplete personal information
• Right to Deletion: You may request that we delete your personal information, subject to certain legal exceptions
• Right to Opt-Out: You may opt out of receiving marketing communications from us at any time
• Right to Data Portability: You may request a copy of your data in a structured, commonly used format

To exercise any of these rights, please contact us at [email protected]. We will respond to your request within thirty (30) days.

8. California Privacy Rights (CCPA/CPRA)

If you are a California resident, the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA) provide you with additional rights regarding your personal information:

• Right to Know: You have the right to request that we disclose what personal information we collect, use, disclose, and sell about you
• Right to Delete: You have the right to request deletion of your personal information, subject to certain exceptions
• Right to Opt-Out of Sale: We do not sell your personal information. If this practice changes, we will provide a "Do Not Sell My Personal Information" link on our website
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA/CPRA rights
• Right to Correct: You have the right to request correction of inaccurate personal information

To submit a CCPA/CPRA request, contact us at [email protected]. We may need to verify your identity before processing your request.

9. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your experience. Cookies are small data files stored on your device that help us remember your preferences and understand how you interact with our website.

We use the following types of cookies:

• Essential Cookies: Required for the website to function properly, including authentication and security cookies
• Analytics Cookies: Help us understand how visitors interact with our website so we can improve the user experience
• Functional Cookies: Remember your preferences and settings to provide a personalized experience

You can control cookies through your browser settings. Disabling certain cookies may affect the functionality of our website.

10. Third-Party Links

Our website may contain links to third-party websites, including Google Calendar for appointment scheduling, Instagram, and payment processing pages. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any third-party websites you visit.

11. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected personal information from a child under 18, we will take steps to delete such information promptly.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the updated Privacy Policy on our website with a revised "Last Updated" date. Your continued use of our services after any changes constitutes your acceptance of the revised Privacy Policy.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: