Privacy Policy

Information We Collect

We collect information you provide directly to us, information collected automatically when you use our website, and information from third parties where applicable.

Information you provide directly:

• Full name and date of birth
• Email address and phone number
• Mailing address
• Payment information (processed securely through Square — we do not store card details)
• Credit-related information you share with us as part of our services
• Communications you send us via email, phone, or text message

Information collected automatically:

• IP address and browser type
• Pages visited and time spent on our website
• Referring URLs and device information
• Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect for the following purposes:

• To provide, operate, and improve our credit repair and business funding consulting services
• To process payments and send payment confirmations
• To communicate with you about your service, account, and progress
• To send you updates, service-related notices, and administrative messages
• To respond to your inquiries, comments, and requests
• To send marketing and promotional communications (with your consent where required)
• To comply with legal obligations and enforce our terms
• To detect, investigate, and prevent fraudulent or unauthorized activity

Text Messaging (SMS) Communications

TK Capital Solutions may send you text messages (SMS) related to your service, account status, appointment reminders, and promotional offers. The following terms apply to our SMS communications:

How We Share Your Information

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

• Service providers: We work with trusted third-party vendors (such as payment processors and CRM platforms) who assist us in operating our business. These parties are contractually bound to protect your data and may only use it to perform services on our behalf.
• SMS aggregators & delivery providers: Solely for the purpose of delivering messages you have consented to receive. All providers are bound by strict data protection obligations.
• Legal compliance: We may disclose information if required to do so by law, court order, or governmental authority, or if we believe disclosure is necessary to protect our rights or the safety of others.
• Business transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.
• With your consent: We may share your information for any other purpose with your explicit consent.

All of the above categories exclude text messaging originator opt-in data and consent. This information will not be shared with any third parties, excluding aggregators and providers of our text message delivery services.

Data Security

We take reasonable technical and organizational measures to protect your personal information from unauthorized access, use, alteration, or disclosure. Payment information is processed through Square, a PCI-compliant payment processor, and we do not store your full card details on our servers.

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

Cookies & Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and understand where our visitors come from. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, some features of our website may not function properly without cookies.

We may use third-party analytics tools such as Google Analytics to help us understand how users interact with our website. These tools may collect information sent by your browser as part of a web page request, including cookies and your IP address.

Your Rights & Choices

Depending on your location, you may have certain rights regarding your personal information, including:

• Access: The right to request a copy of the personal information we hold about you
• Correction: The right to request that we correct inaccurate or incomplete information
• Deletion: The right to request that we delete your personal information, subject to certain exceptions
• Opt-out of marketing: The right to opt out of receiving marketing communications at any time
• SMS opt-out: Reply STOP to any text message at any time

To exercise any of these rights, please contact us at [email protected] or (786) 943-1135.

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 you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete the information.

Third-Party Links

Our website may contain links to third-party websites, including our payment processor Square. These websites have their own privacy policies, and we have no responsibility or liability for their content or activities. We encourage you to review the privacy policies of any third-party sites you visit.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically.

Your continued use of our website or services after any changes to this policy constitutes your acceptance of the updated terms.