Privacy Policy

1. Information We Collect

We may collect information that you provide directly to Apex850, including:

• Name
• Email address
• Telephone or mobile number
• Appointment and consultation information
• Your financial or credit-related goals
• Your approximate credit-score range
• Credit issues you identify during an assessment
• Your expected timeline for a financial goal
• Messages, questions, and other information you submit to us

We may also collect technical information automatically when you use our website, such as browser type, device information, IP address, referring pages, pages visited, and website interaction information.

Please do not submit Social Security numbers, passwords, full financial account numbers, or other highly sensitive information through general website contact forms unless Apex850 specifically provides a secure method for doing so.

2. How We Use Information

We may use information collected through our website and services to:

• Respond to questions and inquiries
• Process Credit Readiness Assessments
• Schedule and manage consultations
• Provide requested services and customer support
• Communicate about appointments and service activity
• Provide educational or informational communications when permitted
• Maintain client and prospect records
• Improve our website, services, and customer experience
• Detect misuse, fraud, or security issues
• Comply with applicable legal and regulatory obligations

3. Text Messages, Calls, and Email Communications

Email

If you receive marketing or educational emails from Apex850, you may use the unsubscribe option included in the message. Transactional or service-related emails may still be sent when necessary to provide requested services.

4. How We Share Information

Apex850 does not sell personal information as a business model and does not sell or transfer SMS opt-in consent.

We may provide information to service providers that perform functions on our behalf, such as:

• Website hosting and technology providers
• Customer relationship management systems
• Email and communications providers
• SMS and telephone service providers
• Scheduling and calendar providers
• Payment processors, when applicable
• Analytics and website-performance providers
• Professional advisers and compliance providers

These providers may receive information only as reasonably necessary to perform services for Apex850 or as otherwise permitted or required by law.

We may also disclose information when reasonably necessary to comply with law, legal process, regulatory obligations, protect rights or safety, investigate fraud, or enforce agreements.

For clarity, the sharing described in this section does not include selling, sharing, or transferring mobile opt-in data or SMS consent to third parties or affiliates for marketing or promotional purposes.

5. Credit Monitoring and Other Third-Party Services

Apex850 may recommend or use independent third-party services in connection with credit-report access, credit monitoring, payment processing, or other service-related functions.

If you enroll directly with a third-party credit monitoring or report-access provider, information you provide to that company is governed by that provider's own privacy policy and terms.

Third-party credit monitoring or report-access fees, if applicable, are separate from Apex850 fees unless expressly stated otherwise.

6. Cookies, Analytics, and Website Technology

Our website may use cookies, pixels, analytics tools, and similar technologies to understand website traffic, measure performance, remember preferences, improve user experience, and evaluate marketing effectiveness.

Your browser may allow you to block or delete cookies. Disabling certain cookies may affect website functionality.

7. Data Security

Apex850 uses reasonable administrative, technical, and organizational safeguards intended to protect personal information from unauthorized access, loss, misuse, alteration, or disclosure.

No website, network, transmission method, or electronic storage system can be guaranteed to be completely secure.

8. Data Retention

We may retain personal information for as long as reasonably necessary to provide services, maintain business and compliance records, resolve disputes, enforce agreements, and satisfy applicable legal or regulatory requirements.

9. Your Choices

Depending on your relationship with Apex850 and applicable law, you may contact us to request that we update or correct certain personal information maintained by us.

You may also:

• Unsubscribe from marketing emails
• Reply STOP to opt out of SMS communications
• Contact us regarding communication preferences
• Ask questions about how your information is handled

10. Children's Privacy

Apex850's services are intended for adults and are not directed toward children under 13. We do not knowingly collect personal information from children under 13 through our website.

11. External Websites

Our website may contain links to third-party websites, including government resources, credit-report providers, credit-monitoring services, and other independent services.

Apex850 does not control the privacy practices of third-party websites. Review the privacy policy of any third-party service before providing personal information to it.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, business practices, or legal requirements.

When material changes are made, the effective date shown at the top of this page may be updated.