Privacy Policy | Terms & Conditions

PINKPRINT CREDIT

Effective Date: September 23, 2026

Website: www.pinkprintcreditpro.com

PART 1: PRIVACY POLICY

1. INTRODUCTION

Pinkprint Credit ("we," "our," or "us") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you visit www.pinkprintcreditpro.com, interact with our content, or use our credit education, credit repair, business funding consulting, secured credit card advisory, or Referral Partner Program services. By accessing or using our website or services, you agree to the terms of this Privacy Policy.

2. FEDERAL COMPLIANCE NOTICE (CROA & FCRA)

Pinkprint Credit operates in full compliance with the Credit Repair Organizations Act (CROA - 15 U.S.C. § 1679 et seq.) and respects consumer rights established under the Fair Credit Reporting Act (FCRA - 15 U.S.C. § 1681 et seq.):

• We do not request, collect, or store sensitive credit reporting data without explicit consumer consent.

• Any information collected during credit consultation, business funding, or credit building advisory services is held in strict confidence and used solely to analyze your credit profile or perform contracted services.

• You have the right to dispute inaccurate information in your credit report directly with credit bureaus (Equifax, Experian, TransUnion) on your own behalf at no cost under the FCRA.

3. INFORMATION WE COLLECT

To evaluate your personal and business credit profiles, draft compliant dispute letters, verify your identity with credit reporting agencies, assess business funding readiness, manage referral program payouts, and fulfill our contractual obligations, Pinkprint Credit collects both personally identifiable information and technical website usage data.

Information You Provide Directly: Personal and business details voluntarily submitted via forms, onboarding portals, service contracts, email, or client communications, including:

• Full Legal Name (including suffix or any former names).

• Social Security Number (SSN) and Date of Birth (DOB) (required by credit bureaus and lenders for identity and credit evaluation).

• Employer Identification Number (EIN), Business Legal Name, and Business Address (if participating in business funding services or joining as a professional Referral Partner).

• Full Physical Home Address (P.O. Boxes are strictly prohibited and not accepted by credit bureaus or financial lenders for identity verification).

• Government-Issued Identification Documents (clear copies of state driver's license, state ID card, passport, or military ID).

• Proof of Address & Financial Documents (bank statements, utility bills, business revenue records, or tax documents verifying physical residency and financial profile).

• Third-Party Credit Monitoring Credentials (username, password, and security PINs for required services such as CreditHeroScore.com, priced at $19.99/month, or an approved alternative system required to pull, review, and track 3-bureau credit reports).

• Payment & Financial Details (credit card, debit card, banking details, or payout account details processed securely through PCI-compliant payment gateways for service fees or referral payouts).

• Communication Data (email addresses, telephone numbers, and notes from onboarding interviews, client communications, or referral partner portal tracking).

Automatically Collected Information & Tracking Technologies: Non-personal data collected when browsing www.pinkprintcreditpro.com, such as:

• IP address, device type, browser type, and operating system.

• Pages viewed, links clicked, referring URLs, and session duration.

4. AFFILIATE LINKS, REFERRAL PARTNERS, & THIRD-PARTY FINANCIAL NETWORKS

Pinkprint Credit participates in financial affiliate networks, including CreditCardBroker.com (a DBA of Proxi Independent Group, LLC; www.creditcardbroker.com), and operates an internal Referral Partner Program for industry professionals.

• Third-Party Affiliate Tracking: Clicking on credit card, loan, secured credit card, or business financial offer links redirects you to third-party advertiser/bank sites via affiliate tracking links. These third parties use cookies and pixel tags to track applications, clicks, and conversions.

• Third-Party Privacy Policies: We do not process, store, or receive credit card applications, business loan applications, Social Security Numbers, or detailed bank credentials submitted directly to affiliate partners or financial issuers. Once you leave our site, your data is governed strictly by the privacy policy of the respective third party.

• Internal Referral Partner Program Data: Data collected from partners enrolled in our referral program is used strictly for client progress tracking, real-time status updates, and issuing earned $100 referral bonuses.

5. HOW WE USE YOUR INFORMATION

We use your information to:

• Provide personal credit consultation, credit education, credit repair, business funding guidance, and secured credit card recommendations as agreed under contract.

• Verify your identity and process official disputes with credit bureaus (Equifax, Experian, TransUnion), creditors, and collection agencies.

• Assess business readiness for funding options, lines of credit, or credit-building financial products.

• Track referred clients, provide transparent real-time updates to referring partners, and issue $100 referral bonuses upon successful client onboarding.

• Communicate updates, service progress, monthly newsletters, or educational credit tips.

• Process payments, manage client accounts, and process referral compensation payouts.

• Analyze website performance, referral links, and optimize user experience.

• Ensure compliance with state and federal legal obligations.

6. DISCLOSURE OF PERSONAL INFORMATION

We do not sell, trade, or rent personal information to third parties. We may disclose personal data only:

• To Service Providers: Trusted partners who assist in website operations, client portals, email delivery, or payment processing under strict confidentiality.

• To Referring Partners (Client Consent): With explicit client consent, sharing high-level credit milestone updates back to the referring realtor, mortgage lender, or broker so they can re-engage the client for funding or home purchases.

• For Legal Obligations: To comply with federal regulations (including CROA/FCRA requirements), subpoenas, court orders, or law enforcement inquiries.

• Aggregated Affiliate Data: Non-identifiable referral data shared with affiliate networks (such as CreditCardBroker.com) to verify referrals.

7. DATA SECURITY & YOUR RIGHTS

• Security: We maintain administrative, technical, and physical security safeguards—including encryption and secure storage—to protect sensitive personal, business, and payout data (such as SSNs, EINs, bank statements, and IDs) against unauthorized access, disclosure, or misuse.

• Email Opt-Out: You may unsubscribe from newsletters or promotional communications at any time via the "Unsubscribe" link in our emails.

• Cookie Management: You can disable cookies through your browser settings.

• Access & Deletion: You have the right to review, correct, or request deletion of personal information held by Pinkprint Credit by emailing us at [email protected].

8. CONTACT INFORMATION

Company: Pinkprint Credit

Website: www.pinkprintcreditpro.com

Email: [email protected]

PART 2: TERMS AND CONDITIONS

1. ACCEPTANCE OF TERMS

By accessing or using www.pinkprintcreditpro.com or services provided by Pinkprint Credit ("Company," "we," "us," or "our"), you agree to comply with and be bound by these Terms and Conditions. If you do not agree, you must immediately discontinue use of our site and services.

2. ELECTRONIC SIGNATURES & COMMUNICATIONS CONSENT (E-SIGN ACT)

By enrolling in our services or utilizing www.pinkprintcreditpro.com, you consent to receive legal disclosures, agreements, monthly updates, and communications electronically pursuant to the Electronic Signatures in Global and National Commerce Act (E-SIGN Act). Electronic signatures, online agreement acceptances, and email communications shall have the same legal force and effect as handwritten signatures.

3. AFFILIATE & CONTENT DISCLOSURE (CreditCardBroker.com Partner)

• Affiliate Compensation: Pinkprint Credit and its affiliates are paid commissions on a per sale or per lead basis for credit card, secured credit card, or financial offers displayed on this site. At times, we may list financial products for which we are not paid commissions.

• Independent Editorial Content: Content, reviews, opinions, or evaluations featured on this site are those of Pinkprint Credit alone and have not been reviewed, approved, or endorsed by bank issuers or advertisers.

• No Financial Advice: Information provided on this website is for educational and informational purposes only and does not constitute formal legal, tax, or professional financial advice.

• Trademark Disclaimer: Pinkprint Credit makes no claim of ownership over the trademarks and logos of any financial institution, lender, or credit card issuer listed on our site.

4. CREDIT REPAIR DISCLOSURES & FEDERAL COMPLIANCE (CROA & FCRA)

Pinkprint Credit adheres strictly to the Credit Repair Organizations Act (CROA - 15 U.S.C. § 1679) and the Fair Credit Reporting Act (FCRA - 15 U.S.C. § 1681):

• Right to Cancel: Under CROA, you have the right to cancel any credit repair service contract with Pinkprint Credit without penalty or obligation within three (3) business days from the date the contract is signed.

• No Upfront Fees: Pinkprint Credit does not charge fees for credit repair services until the work has been fully performed in accordance with federal law.

• Free Self-Help Right: You have the right to dispute inaccurate information in your credit report directly with credit bureaus (Equifax, Experian, TransUnion) on your own behalf at no cost under the FCRA.

5. DISCLAIMER REGARDING CREDIT RESULTS, BUSINESS FUNDING, AND SECURED CREDIT CARDS

Pinkprint Credit provides credit restoration, credit-building education, and business funding consulting. Under applicable state and federal laws, please review the following disclaimers regarding service expectations:

• No Outcome Guarantees: Pinkprint Credit cannot and does not guarantee, promise, or predict any specific credit score increase, specific business funding approval amount, or permanent deletion of any negative item from your credit reports.

• Third-Party Discretion: Credit bureaus, lenders, financial institutions, and credit card issuers independently evaluate all credit disputes, business funding applications, and card requests. Approval decisions, interest rates, funding amounts, and line limits are governed entirely by third parties.

• Business Funding Consulting Scope: Pinkprint Credit is an educational and advisory consulting company, not a direct lender, broker, or financial underwriter. We do not issue loans, lines of credit, or funding directly.

• Secured Credit Cards: Recommendations for secured credit cards or credit-building products are provided for credit building purposes. Clients are solely responsible for satisfying third-party issuer requirements, including required refundable cash security deposits, annual fees, and monthly payments.

• Legitimate and Accurate Information: Pinkprint Credit cannot legally request or attempt to remove accurate, verifiable, and timely negative information from a consumer credit file.

• Individual Results Vary: Past client results, case studies, or testimonials presented on our website or marketing materials reflect individual experiences and do not constitute a guarantee that future clients will achieve similar credit scores, approvals, or funding amounts.

6. CLIENT RESPONSIBILITIES & OBLIGATION REQUIREMENTS

Successful credit restoration, credit building, and business funding prep require active participation, transparency, and timely communication from the client. By enrolling in services with Pinkprint Credit, you acknowledge and agree to the following client responsibilities:

• Mandatory Continuous Credit Monitoring: You must maintain an active, continuous subscription to an approved 3-bureau credit monitoring service throughout the entire duration of the credit dispute and funding consultation process.

- Our preferred credit monitoring provider is CreditHeroScore.com, which costs $19.99 monthly.

- If you currently use another credit monitoring provider, you must reach out to Pinkprint Credit directly prior to service execution to confirm whether your system is compatible with our software.

- Credit monitoring must remain active at all times while services are being performed. Canceling, pausing, or failing to maintain active credit monitoring prevents us from reviewing updates, tracking bureau responses, drafting disputes, and performing contracted services.

• Submission of Required Documents: You must provide all requested onboarding documentation—including full legal name, SSN, DOB, physical home address (no P.O. Boxes), government photo ID, bank statement or utility bill for proof of address, active credit monitoring logins, and business documentation (if seeking business funding advice)—within seven (7) days of contract execution.

• Forwarding Bureau Mail & Correspondence: You agree to forward or upload copies of all letters, responses, credit reports, and updated bureau notifications received from Equifax, Experian, TransUnion, or collection agencies within five (5) business days of receipt.

• No Direct Disputes During Active Service: You agree not to contact credit bureaus, creditors, or collection agencies directly, nor initiate independent online disputes or hire another credit repair company while enrolled in our program, as conflicting disputes can harm your file and invalidate current work.

• Avoidance of New Negative Credit Activity: You are responsible for maintaining good credit habits. This includes paying all open accounts on time, keeping credit card balances below 30% of total limits, and refraining from applying for unapproved personal credit lines or incurring new collection accounts during enrollment.

• Accurate Information for Funding & Card Applications: When applying for recommended secured credit cards or business funding products through third-party lenders, you represent that all income, revenue, business details, and identity disclosures provided are completely truthful and accurate.

7. REFERRAL PARTNER PROGRAM TERMS

Pinkprint Credit operates a Referral Partner Program designed for realtors, mortgage brokers, auto dealers, business consultants, and valued individual partners looking to help their credit-denied clients get funding-ready while earning extra income.

• Partner Mission & Service Scope: We view our partners as true collaborators. When you refer clients who were previously denied due to credit issues, our team steps in to help them repair, rebuild, and prepare for funding—transforming lost deals into successful new closings.

• Referral Bonus Terms: Registered partners receive a $100 referral bonus for each successful client referral who signs up and enrolls in an active, paid credit restoration program with Pinkprint Credit.

• Transparent Tracking & Portal Updates: Partners gain access to transparent tracking and real-time status updates so you can monitor your referred client's progress as they move closer to re-qualifying for your loans, properties, or financial products.

• Payout Distribution: Referral bonuses are paid out following the successful completion of the referred client's initial onboarding and verified payment in accordance with applicable state and federal referral laws.

• Ethical Conduct & Compliance: Partners agree not to make false, misleading, or guaranteed outcome claims regarding Pinkprint Credit's services to prospective clients.

8. RIGHT TO TERMINATE OR SUSPEND SERVICES

Pinkprint Credit reserves the right to immediately suspend, pause, or terminate services to any client, at our sole discretion and without prior notice, under any of the following circumstances:

• Breach of Client Responsibilities: Failure to maintain required 3-bureau credit monitoring ($19.99/month via CreditHeroScore.com or an approved alternative), failure to provide required onboarding/identity documentation, or contacting credit bureaus/creditors directly during active service.

• Non-Payment: Failure to pay agreed-upon service fees or monthly payments when due.

• Fraudulent or Misleading Information: Providing false, misleading, or fraudulent personal, financial, or business information.

• Abuse or Misconduct: Engaging in abusive, disrespectful, threatening, or harassing behavior toward Pinkprint Credit staff, representatives, or partners.

• Conflict of Interest: Initiating independent disputes, filing fraud alerts without notice, or hiring another credit repair organization concurrently while enrolled in our program.

In the event of service termination due to a client's breach of contract or misconduct, any fees previously paid for services already performed are non-refundable, and the client forfeits eligibility for the 90-Day Money-Back Guarantee.

9. 90-DAY MONEY-BACK GUARANTEE POLICY

Pinkprint Credit offers a 90-Day Money-Back Guarantee for eligible paid credit repair service plans under the following specific terms:

Refund Eligibility Criteria:

• You must be enrolled in an eligible paid credit repair plan for at least ninety (90) consecutive days.

• You must fulfill all client responsibilities outlined in Section 6, including maintaining active $19.99/month credit monitoring via CreditHeroScore.com (or an approved alternative confirmed directly with us) without interruption throughout the entire 90-day dispute process.

• You must provide all requested onboarding documents (full legal name, SSN, DOB, physical home address, government ID, bank statement/proof of address) within seven (7) days of enrollment.

• You must have received ZERO credit results during the 90-day period.

Definition of "Credit Results":

• The deletion, removal, or deletion-and-reissue of any negative line item (e.g., late payments, collections, charge-offs, bankruptcies, repossessions, foreclosures, or hard inquiries) from at least one (1) major credit bureau (Equifax, Experian, or TransUnion).

• The correction, update, or favorable modification of a disputed item's status (e.g., changing a balance to $0, updating past-due status to "paid as agreed").

• An increase in your credit score attributable to line-item corrections or dispute outcomes.

Exclusions from Refund:

• Client Non-Cooperation: Failure to respond to communications, failure to provide required identity/financial documents, failure to maintain open communication, or cancellation/interruption of required credit monitoring during the dispute process.

• New Negative Items: Incurring new derogatory marks during the 90-day period (e.g., new late payments, new collection accounts, or maxed-out balances).

• Direct Bureau Contact: Contacting credit bureaus directly, filing independent disputes, or hiring another credit repair agency concurrently during enrollment.

• Results Achieved: Any negative item is removed or updated as defined under "Credit Results" above (even if other items remain or your credit score does not reach your desired target).

• Business Funding or Card Denials: Denial of third-party business funding loans, lines of credit, or secured credit card applications by external lenders does not qualify for a refund under the credit repair guarantee, as funding decisions are made at the sole discretion of external third parties.

10. INTELLECTUAL PROPERTY RIGHTS

All website content, text, graphics, logos, proprietary dispute methodologies, educational guides, materials, and digital assets on www.pinkprintcreditpro.com are the exclusive property of Pinkprint Credit. Unauthorized copying, distribution, or reproduction of any site content or service documentation is strictly prohibited.

11. INDEMNIFICATION & LIMITATION OF LIABILITY

You agree to indemnify, defend, and hold harmless Pinkprint Credit, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising out of or in any way connected with your breach of these Terms, submission of inaccurate identity or financial details, or use of third-party lender services. Credit terms, interest rates, annual fees, loan qualification requirements, and offer details change frequently and may not be reflected on our website in real time. www.pinkprintcreditpro.com is not responsible for inaccuracies or changes on third-party advertiser or lender sites. In no event shall Pinkprint Credit be liable for direct, indirect, incidental, or consequential damages resulting from your use of our services or website.

12. BINDING ARBITRATION & GOVERNING LAW

These Terms and Conditions shall be governed by and construed in accordance with applicable state and federal laws. Any dispute, claim, or controversy arising out of or relating to these Terms or Pinkprint Credit's services shall be resolved strictly through binding individual arbitration rather than in court, and you agree to waive any right to participate in a class-action lawsuit or class-wide arbitration.

13. CONTACT INFORMATION

For questions regarding these Terms & Conditions, the Referral Partner Program, or refund requests under our 90-Day Guarantee, please contact:

Company: Pinkprint Credit

Website: www.pinkprintcreditpro.com

Email: [email protected]