Privacy Policy

This Privacy Policy describes how AA Credit Enterprise ("we," "us," or "our") collects, uses, and protects information about you when you interact with us through our website, automated messaging assistants (including our AI assistants on Facebook Messenger, Instagram Direct Messages, our website chat widget, voice calls, and email), and credit repair services. By using our services or messaging us through any channel, you agree to the terms of this Privacy Policy.

1. Information We Collect

1.1 Information You Provide Directly

• Identity information: Name, email address, phone number, mailing address, date of birth.
• Financial information: Credit report data, credit account information, identification documents, financial history — collected only when you authorize us to assist with credit repair services.
• Communication content: Messages, attachments, voice recordings, and any other content you send to us through our website, messaging platforms (Facebook Messenger, Instagram Direct Messages), email, SMS, voice calls, or in-person interactions.
• Account information: Username, password, preferences, and authentication credentials.

1.2 Information Collected Through Automated Messaging (Facebook, Instagram, Web Chat, Voice)

When you message our Facebook Page, Instagram account, web chat widget, or call our phone number, we collect:

• Message content and any attachments you send
• Your platform-provided user identifier (Facebook PSID, Instagram IGSID, phone number)
• Your display name and profile picture (as provided by the platform)
• Conversation history and timestamps
• Information you voluntarily share during the conversation
• Audio recordings and transcripts of phone conversations

1.3 Information Collected Automatically

• Cookies, web beacons, and similar technologies on our website
• Device information (browser type, IP address, operating system)
• Usage data (pages visited, time on site, referring URLs)

2. How We Use Your Information

We use your information for the following purposes:

• Service delivery: To provide credit repair services, including dispute filing, credit report analysis, and consultations
• Automated assistance: To generate responses to your messages using artificial intelligence (Anthropic Claude) and provide real-time conversational assistance through our AI assistants Skyler (chat) and Maya (voice)
• Communication: To respond to your inquiries, provide updates on your account, send appointment reminders, and share relevant information about our services
• Lead qualification: To understand your credit goals and match you with the right service package
• Service improvement: To analyze conversations (in aggregate) to improve our AI assistants' responses and overall service quality
• Legal compliance: To comply with the Fair Credit Reporting Act (FCRA), Credit Repair Organizations Act (CROA), and other applicable laws
• Fraud prevention: To detect and prevent fraudulent activity and ensure account security

3. AI-Powered Conversations — Important Disclosures

When you interact with our chat widget, Facebook Messenger, Instagram Direct Messages, or call our phone number, you may be communicating with an AI assistant rather than a human:

• Skyler is our AI chat assistant who responds to web chat and social media direct messages
• Maya is our AI voice assistant who handles phone calls
• Your messages are processed by Anthropic's Claude language model
• Conversation transcripts and metadata are stored in our secure database (Supabase) for service improvement and continuity
• Voice conversations are processed by Retell AI and Cartesia AI (text-to-speech) and may be recorded and transcribed
• You may request to speak with a human at any time by saying "talk to a human," "speak to a person," or similar — our team will follow up
• AI responses may occasionally contain errors. For critical decisions, please verify information with a human team member.

4. How We Share Your Information

We do NOT sell your personal information. We share information only with:

4.1 Service Providers (Sub-Processors)

• Anthropic, Inc. — AI language model (Claude) processes your messages to generate responses. Anthropic does not retain message data for training.
• Retell AI — Voice agent platform for phone conversations
• Cartesia AI — Text-to-speech synthesis for voice responses
• Deepgram — Speech-to-text transcription for voice and chat (iOS Safari)
• Supabase — Secure database hosting (encrypted at rest, RLS-protected)
• Vercel — Application hosting infrastructure
• Resend — Transactional email delivery
• GoHighLevel (HighLevel Inc.) — Customer Relationship Management (CRM) system for lead tracking, pipeline management, and appointment scheduling
• Meta Platforms (Facebook, Instagram) — Messaging platform infrastructure when you message us via Facebook Messenger or Instagram Direct Messages
• Stripe / Stan.store — Payment processing

4.2 Credit Reporting Agencies

When you engage our credit repair services, we share your information with the three major credit bureaus (Equifax, Experian, TransUnion) and creditors for the limited purpose of disputing inaccurate items on your credit report. This is done only with your explicit written authorization.

4.3 Legal Compliance

We may disclose information when required by law, subpoena, court order, or to protect the rights, property, or safety of AA Credit Enterprise, our customers, or others.

5. Data Retention

• Active service data: Retained while your account is active and as needed to provide services.
• Messaging conversations: Retained for 24 months for service quality and continuity, then deleted or anonymized.
• Voice recordings and transcripts: Retained for 12 months unless required longer for legal/dispute purposes.
• Credit dispute documentation: Retained for 7 years per FCRA and CROA requirements.
• Account records: Retained for 7 years after account closure for legal and regulatory compliance.

You may request earlier deletion of your data by contacting ama@aacreditenterprise.com, subject to applicable legal retention requirements.

6. Your Rights and Choices

6.1 Opt-Out of Automated Messaging

• Facebook Messenger / Instagram DMs: Reply with "STOP," "unsubscribe," "opt out," or "cancel" to opt out of automated responses
• Web chat: Type "STOP" or "unsubscribe" in the chat to opt out
• Email: Click the unsubscribe link in any email or reply with "STOP"
• Phone: Verbally request to opt out during the call

6.2 Data Subject Rights

Depending on your jurisdiction, you may have the right to:

• Access — Request a copy of personal information we hold about you
• Correction — Request that we correct inaccurate information
• Deletion — Request that we delete your personal information
• Portability — Request a machine-readable copy of your data
• Restriction — Request that we limit how we use your information
• Objection — Object to certain uses of your information
• Withdraw consent — Withdraw previously given consent at any time

To exercise these rights, contact ama@aacreditenterprise.com. We will respond within 30 days.

6.3 California Residents (CCPA/CPRA)

California residents have additional rights including the right to know what personal information is collected, the right to delete personal information, the right to opt out of the sale or sharing of personal information (we do not sell), and the right to non-discrimination for exercising privacy rights.

6.4 European Residents (GDPR)

If you are in the European Economic Area, you have the right to lodge a complaint with your local data protection authority.

7. Data Security

We implement industry-standard security measures including:

• AES-256-GCM encryption for sensitive credentials at rest
• TLS/HTTPS encryption for data in transit
• Row-Level Security (RLS) policies on our database
• Limited access controls and role-based permissions
• Regular security audits and vulnerability monitoring

No security system is impenetrable. We cannot guarantee absolute security but make reasonable efforts to protect your information.

8. Children's Privacy

Our services are not directed at individuals under 18. We do not knowingly collect information from minors. If you believe we have collected information from a minor, please contact us immediately.

9. International Transfers

Your information may be processed in the United States and other countries where our service providers operate. We implement appropriate safeguards for international transfers.

10. Cookies and Tracking

Our website uses cookies for functionality, analytics, and personalization. You can control cookies through your browser settings. Disabling cookies may limit website functionality.

11. Third-Party Links

Our services may contain links to third-party websites. We are not responsible for the privacy practices of these sites. Review their privacy policies before providing information.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Material changes will be communicated through our website, email, or other reasonable means. Continued use of our services after changes constitutes acceptance.

13. Credit Repair Organizations Act (CROA) Notice

You have the right to dispute inaccurate information in your credit report yourself, free of charge, with each credit bureau. AA Credit Enterprise does not guarantee specific credit score improvements. Results vary based on individual circumstances.

14. Contact Us

For privacy questions, data requests, or to exercise your rights, contact us:

• Email: ama@aacreditenterprise.com
• Website: https://aacreditenterprise.com
• Phone: (515) 882-6358

© 2026 AA Credit Enterprise. All rights reserved.