Privacy Policy
Last updated: November 10, 2026
This Privacy Policy explains how Credit Pulse USA LLC ("Credit Pulse," "we," "us," or "our") collects, uses, shares, and protects personal information. It applies to our websites, web forms and sign-up pages, and to information we handle for credit clients under a service agreement.
Our services are offered to Florida residents only. We communicate by email only. We do not send text messages and we do not make outreach phone calls.
Questions? Email
The short version
- We never sell your personal information.
- We contact you by email only. If a form lets you enter a phone number, it is optional, and we do not use it for outreach.
- We do not share your information with your employer or with our partner organizations. Employers see only an aggregate count of sponsored seats used, and only once 5 or more codes have been used. They never see names, code IDs, or dates.
- We share your name and email with a lender only if you check the lender box, and only with the one lender you choose.
- We do not collect Social Security numbers on our web forms. Never email us your Social Security number, passwords, or account logins.
- You can unsubscribe, or ask to access, correct, or delete your information, at any time.
1. Information we collect
Education sign-ups (our /learn page)
- First name
- Email address
- Whether you want to hear about future classes (optional)
- A source tag that tells us how you found the page (for example, which event, flyer, or partner link)
QR code sign-up page
- Name
- Email address
- Phone number (optional; not used for outreach)
- Whether you want to be contacted by a lender (optional checkbox)
- Whether you want to request a credit review (optional)
Sponsor a Seat redemptions
- The seat code you enter
- Name
- Email address
Credit clients
If you sign a service agreement with us for credit services, we collect the information needed to provide those services, as described in your agreement. This may include sensitive information such as your Social Security number, date of birth, identification documents, and credit report information. We collect this sensitive information only through our secure client onboarding process under your service agreement, never through our public web forms or by email.
Information collected automatically
Like most websites, our site and hosting providers may automatically record basic technical information, such as IP address, browser type, device type, pages visited, and the date and time of your visit. We use this to keep the site running, secure, and working properly.
2. How we use information
We use personal information to:
- Register you for classes and sessions and send you, by email, the materials and reminders you asked for
- Tell you about future classes by email, if you opted in
- Connect you with a lender, only if you checked the lender box
- Respond to credit review requests you make
- Process Sponsor a Seat redemptions and report aggregate seat counts to sponsors
- Provide credit services to clients under their service agreements
- Answer your questions and provide support
- Keep our websites and services secure, prevent fraud, and fix problems
- Meet legal, tax, and regulatory obligations
Education-only list is kept separate
If you sign up only for education (for example, through /learn or a sponsored seat), we keep you on a separate education list. We do not use that list to market our paid credit services to you unless you later ask us about those services (for example, by requesting a credit review).
3. How we share information
We never sell personal information.
Service providers
We use service providers that process information on our behalf and under contract with us, including companies that provide website and form hosting and email delivery. These providers may use your information only to perform services for us, and not for their own marketing.
Separate services: IdentityIQ and Credit Repair Cloud
- IdentityIQ (credit monitoring) is a separate service. If you enroll, you sign up directly with IdentityIQ, and IdentityIQ collects and uses your information under its own terms and privacy policy.
- Credit Repair Cloud is the client-management platform we use for credit clients. Information you provide during onboarding is stored and processed there under Credit Repair Cloud's own terms and privacy policy.
We encourage you to read those companies' policies.
Affiliate links
Some links on our site are affiliate links (for example, a credit monitoring sign-up link). If you sign up through one, we may receive a commission. That company's own terms and privacy policy govern the information you give it.
Employers and partner organizations
We do not share your personal information with your employer or with partner organizations that sponsor or promote our classes. When an employer or organization sponsors seats, the only thing they see is an aggregate count of how many seat codes have been used, and we show that count only once 5 or more codes have been used. They never see names, email addresses, code IDs, or redemption dates.
Lenders (only if you check the box)
If you check the lender-contact box, we share your name and email address with the one lender you choose, and no other lender. If you do not check the box, we do not share your information with any lender. Once a lender receives your information, its own privacy policy governs how it uses it.
Legal and safety reasons
We may disclose information if we believe in good faith it is required by law, subpoena, or court order, or needed to protect the rights, property, or safety of Credit Pulse, our clients, or others.
Business transfers
If Credit Pulse is involved in a merger, acquisition, or sale of all or part of its business, personal information may be transferred as part of that transaction, subject to this Privacy Policy.
4. Your choices
- Unsubscribe from email: Click the "unsubscribe" link in any marketing or class-announcement email, or email
- Access, correct, or delete: Email
5. Florida residents only
Our services are offered only to residents of Florida.
Credit client information and federal law
Some information we collect from credit clients may be covered by the federal Gramm-Leach-Bliley Act (GLBA) and related rules. Where GLBA applies, that information is handled under GLBA and any separate privacy notice we provide to credit clients.
6. Data security
We use reasonable administrative, technical, and physical safeguards designed to protect personal information, such as limiting access to people who need it, using service providers that offer security protections, and using secure methods for credit client onboarding. Please never send your Social Security number, passwords, or account logins by email. No website, system, or method of transmission is completely secure, so we cannot guarantee absolute security.
7. How long we keep information
We keep personal information only as long as reasonably needed for the purposes described in this policy, including providing services, keeping required business records, resolving disputes, and meeting legal obligations. When we no longer need it, we delete it or make it no longer identifiable. If you unsubscribe, we may keep a record of your email address so we can honor your request.
8. Children
Our websites and services are not directed to anyone under 18, and we do not knowingly collect personal information from children under 18. If you believe a child has given us personal information, contact us at
9. Changes to this policy
We may update this Privacy Policy from time to time. When we do, we will change the "Last updated" date at the top. If we make a significant change, we will take reasonable steps to let you know, such as posting a notice on our website or emailing you.
10. Contact us
Credit Pulse USA LLC
Email:
Mailing address: 100 Island Cottage Way, St. Augustine, Florida 32080