Privacy Policy

Last updated: October 28, 2025

305 Credit Solutions (“we”, “us”) is an independent financial consulting company that provides document assistance and advisory services to help clients apply with third-party banks. Contact: privacy@305creditsolutions.com.

2. What data we collect

  • Identification and contact data (name, email, phone).
  • Financial information you provide for application preparation (income, employment, statements, credit reports where authorized).
  • Technical data (IP, device, basic analytics, cookies — see Cookies section).
  • Communications and documents you submit to us.

3. How we use your data (purposes)

  • Provide our services: prepare documentation, organize information, and guide submissions to third-party banks.
  • Communicate with you (service updates, scheduling, follow-ups).
  • Comply with legal obligations (e.g., recordkeeping, responding to lawful requests).
  • Security, fraud prevention, and service improvement.

We do not sell personal data.

4. Legal bases / authority

We process data with your consent; to perform a contract or pre-contractual steps at your request; and to comply with U.S. and Florida laws, including FCRA, FACTA, GLBA, and FIPA where applicable.

5. Sharing

We may share data with: (i) service providers under contract (e.g., secure hosting, email delivery) bound by confidentiality and security requirements; (ii) financial institutions only at your direction and with your authorization; (iii) authorities if required by law. We do not sell or disclose data to unauthorized third parties.

6. Data security

We use encryption in transit, role-based access, logging, and secure systems. No method is 100% secure, but we implement reasonable safeguards aligned with industry practices.

7. Data retention

We retain personal information only as long as necessary for the purposes described, to comply with legal obligations, or to resolve disputes. When no longer needed, we securely delete or anonymize data.

8. Your choices & rights

  • Access, correction, or deletion of your data.
  • Withdraw consent where processing is based on consent.
  • Opt-out of marketing or non-essential communications.

To exercise rights, contact privacy@305creditsolutions.com. We will verify your request and respond in a reasonable period.

9. Cookies & analytics

We use limited cookies or similar technologies for essential site functionality and basic analytics. You can adjust browser settings to block cookies; some features may not function properly.

10. Children’s privacy

Our services are not directed to children under 13. We do not knowingly collect personal data from children under 13.

11. International users

Our services target U.S. residents. If you access from outside the U.S., you consent to processing in the U.S.

12. Changes to this policy

We may update this Privacy Policy. Material changes will be reflected by updating the “Last updated” date and, when appropriate, providing additional notice.

13. Contact

Questions about this policy? Email privacy@305creditsolutions.com.