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Privacy Policy

1. Introduction

MRM Advantage (“MRM,” “Company,” “we,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, protect, and share your information.
By engaging with our website or services, you consent to this Policy.

2. Information We Collect

We collect several types of information to provide services effectively.

A. Personal Identification Information

Information you voluntarily provide to help us identify and communicate with you:

  • Full Name
    Allows us to create your client profile, verify your identity, and correspond with you professionally.

  • Email Address
    Used to send service updates, appointment confirmations, documents, and support responses.

  • Phone Number
    Helps us communicate quickly regarding account updates, coaching sessions, and support needs.

  • Residential Address
    Required for dispute letters, client verification, and compliance with credit laws.

  • Date of Birth
    Helps verify your identity with credit bureaus and ensure accurate report analysis.

  • Business Name & EIN
    Used for business funding preparation and credit profile evaluations.

B. Credit & Financial Information

Collected only with your permission and used strictly to provide credit repair or funding assistance:

  • Credit Reports & Credit Scores
    Allows us to evaluate inaccuracies, negative items, and funding eligibility.

  • Account History & Payment Data
    Helps determine credit behavior and areas needing dispute or improvement.

  • Debt Balances & Utilization Percentages
    Used to create tailored strategies for increasing your credit score.

  • Public Records, Collections, and Derogatory Marks
    Allows us to challenge inaccurate or unverifiable items.

  • Bank Statements or Business Financials
    Used only for funding preparation and lender pre-qualification guidance.

C. Website Technical Data

Collected automatically when you visit our site:

  • IP Address
    Helps identify the region you access from and prevent security threats.

  • Browser & Device Type
    Assists in optimizing website performance for your device.

  • Pages Viewed & Time Spent
    Helps us understand what services visitors find valuable.

  • Cookies & Tracking Data
    Allows us to personalize your browsing experience and improve site functionality.

D. Third-Party Information Sources

We may receive information through:

  • Credit Bureaus
    To obtain full credit files needed to perform dispute services.

  • Credit Monitoring Services
    Used to track progress, detect changes, and update your strategy.

  • Lenders or Funding Partners (With Permission)
    Helps assess funding potential and match you with suitable programs.

  • Public Databases
    Used for identity verification or business qualification checks.

3. How We Use Your Information

Your data is used for legitimate business and service purposes:

A. Credit Repair & Consulting Services

  • To Evaluate Your Credit Profile
    We analyze all three major bureau reports to identify inaccuracies or questionable items.

  • To Prepare & Submit Disputes
    We use your information to challenge inaccurate personal data, inquiries, and derogatory accounts.

  • To Build a Customized Strategy
    We create detailed action plans tailored to improving your creditworthiness.

  • To Coach You on Credit Behavior
    We offer education on utilization, payment habits, and long-term credit growth.

B. Funding Preparation & Consulting

  • To Pre-Qualify You for Funding
    We review your financial and credit information to determine likely approval ranges.

  • To Match You With Lenders
    We share your info only with your permission to help secure funding programs.

  • To Guide You Through Underwriting
    Used to prepare financial documents necessary for lender review.

C. Communication and Client Support

  • Appointment Scheduling
    We contact you to confirm sessions or coaching calls.

  • Service Notifications
    Used to send updates on disputes, results, or account progress.

  • Customer Support
    Allows us to answer questions and provide assistance.

D. Website Improvement & Security

  • Enhance User Experience
    Analyzing site behavior helps us improve layout, speed, and content.

  • Detect Fraud or Abuse
    Monitoring patterns protects both the company and our clients.

4. How We Share Information

Your information is never sold. It is shared only in necessary situations:

A. Credit Bureaus

Used strictly for:

  • Submitting disputes

  • Updating personal information

  • Removing inaccurate inquiries

  • Challenging negative items

B. Service Providers

We may share limited information with:

  • Mailing & Document Processing Services
    Used to send dispute letters securely.

  • CRM Systems (e.g., GoHighLevel)
    Helps organize communication, notes, and client updates.

  • Secure Cloud Storage Tools
    Used to store your documents safely.

Every provider must follow confidentiality rules.

C. Banks or Funding Partners (Strictly With Consent)

Used only if YOU want funding services.

These partners may review:

  • Income

  • Credit profile

  • Business financials

All sharing is voluntary and authorized.

D. Legal or Regulatory Requirements

We may disclose information if required by:

  • Court order

  • Subpoena

  • Government investigation

  • Law enforcement

This is to comply with federal law.

5. Data Security

We protect your information with multiple layers:

A. Technical Safeguards

  • Encrypted data storage

  • Secure SSL website protection

  • Firewall and threat detection

  • Password-controlled systems

These prevent unauthorized access.

B. Administrative Safeguards

  • Employee privacy training

  • Restricted internal access

  • Confidentiality agreements

Only essential personnel see sensitive data.

C. Physical Safeguards

  • Secured office location

  • Controlled document access

  • Locked filing and storage systems

6. Your Rights

You have legal rights to control your information:

  • Right to Access
    Request any data we hold about you.

  • Right to Correct
    Fix inaccurate personal information.

  • Right to Delete
    Request deletion unless legally required to keep it.

  • Right to Withdraw Consent
    Stop data collection in certain cases.

  • Right to Request Limits
    Ask us to restrict how we use your info.

7. Data Retention

Your data is retained:

  • For as long as needed to perform services

  • To meet federal compliance requirements (up to 7 years)

  • For dispute history and service accuracy

8. Cookies & Tracking

Cookies help:

  • Improve your browsing experience

  • Remember session data

  • Analyze website behavior

You may disable cookies anytime in your browser.

9. Children’s Privacy

Services are restricted to 18+.
We do not knowingly collect information from minors.

10. Changes to Policy

Policy updates will be posted with a new date.

11. Contact Information

MRM Advantage
333 N University Dr #404, Plantation, FL 33324
support@fastfreedomacademy.com
(786) 582-5373