Privacy Policy

1. Information We Collect

We may collect the following types of information from you:

  • Personal Information: Your name, address, email, phone number, date of birth, Social Security number, driver’s license, or other identifying details.

  • Financial Information: Credit reports, credit scores, bank account details (if provided), payment history, income information, and related documents necessary for our services.

  • Business Information: Business name, EIN, formation documents, financial statements, and other relevant records (if applicable to services).

  • Technical Information: IP address, browser type, device identifiers, and usage data when visiting our website.

  • Communication Information: Emails, messages, forms, or calls exchanged between you and Affluent Culture.

2. How We Use Your Information

We use the information we collect for:

  • Service Delivery – To provide credit repair, coaching, and credit-builder services you have requested. 

  • Account Management – To create, maintain, and update your client profile. 

  • Communication – To respond to inquiries, send updates, and deliver service-related notices.

  • Compliance and Legal Obligations – To meet legal, regulatory, and contractual requirements.

  • Improvement of Services – To analyze trends, improve performance, and enhance user experience.

3. How We Share Your Information

We do not sell your personal information. We may share it only in the following situations:

  • With Your Consent – When you authorize us to share your details with third parties. 

  • Service Providers – With vendors, credit bureaus, or other service providers that assist in delivering our services. 

  • Legal Requirements – When required by law, court order, or regulatory agencies. 

  • Business Transfers – If we undergo a merger, acquisition, or asset sale, your information may be transferred as part of the transaction. 

4. Data Security

We take reasonable administrative, technical, and physical safeguards to protect your information from loss, theft, unauthorized access, disclosure, alteration, or destruction. While we work to protect your data, no method of transmission over the internet or electronic storage is 100% secure.

5. Your Rights

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

  • Access, update, or correct your personal information. 

  • Request deletion of your personal information. 

  • Restrict or object to the processing of your data. 

  • Request a copy of your data in a portable format. 

To exercise these rights, contact us at:

[email protected] or 763-373-3799.

6. Data Retention

We retain your information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law.

7. Cookies and Tracking Technologies

We may use cookies and similar technologies to enhance your browsing experience, analyze usage, and deliver personalized content. You can control cookies through your browser settings, but disabling them may affect site functionality.

8. Third-Party Links

Our website or communications may contain links to third-party sites. We are not responsible for the privacy practices or content of those sites.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website with the updated effective date. Your continued use of our services after changes are posted means you accept those changes.

10. Contact Us

If you have questions about this Privacy Policy or our data practices, contact us at: 

Affluent Culture Inc. 

2469 University Ave. W. Suite 200 

Saint Paul, MN 55114 

[email protected] 

763-373-3799

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Affluent Culture

Credit Repair Services

Professional FCRA-compliant credit repair services with transparent pricing and guaranteed consumer protection.

Services

Legal & Compliance

REQUIRED LEGAL DISCLOSURES

CROA Compliance: This credit repair organization is licensed and regulated under the Credit Repair Organizations Act (CROA). You have the right to dispute inaccurate information in your credit report yourself, at no cost, by contacting the credit reporting agency directly.

Cancellation Rights: You may cancel your contract with this credit repair organization for any reason within 3 business days from the date you signed it. Credit repair organizations cannot require you to pay until they have completed the services they have promised.

State Licensing: Affluent Culture Credit Repair Services is registered and Licensed in the state of Minnesota (Other states will be reviewed). License numbers and regulatory information available upon request.

Consumer Complaints: For regulatory complaints or concerns, contact your state attorney general's office or the Consumer Financial Protection Bureau (CFPB).

Copyright 2025. Affluent Culture. All Rights Reserved.

FCRA Compliant • CROA Certified • Licensed Credit Repair Organization