Privacy Policy

Information we collect

We collect information you provide and limited information collected automatically:

• Contact details you submit (such as name, email, and phone number) when you request a consultation or contact us.
• Sensitive intake information (such as Social Security number, date of birth, and credit information) is collected and processed directly by our secure forms provider, DisputeFox, inside its embedded secure forms. We do not collect, store, or log this sensitive information on our own systems.
• Usage and device datacollected automatically through cookies and similar technologies (such as IP address, browser type, and pages viewed). Our embedded forms also use Google reCAPTCHA, which is subject to Google's privacy policy.

How we use information

• To respond to inquiries and schedule consultations.
• To provide, maintain, and improve our services.
• To communicate with you about your file, including by email and SMS where you have consented.
• To comply with legal obligations and enforce our agreements.

How information is shared

We share information only as needed to operate our services, including with service providers such as DisputeFox (secure intake and case management) and our communications providers. We do not sell your personal information. We may disclose information when required by law.

Cookies and tracking

Our site and embedded forms use cookies and similar technologies for functionality and security. You can control cookies through your browser settings; some features may not work if cookies are disabled. If we adopt additional analytics or advertising technologies, this policy will be updated to describe them.

Data retention & security

We retain information for as long as needed for the purposes described here or as required by law. We use reasonable safeguards to protect information, though no method of transmission or storage is completely secure.

Your rights

Depending on where you live, you may have rights to access, correct, or delete your personal information, or to opt out of certain processing. To make a request, contact us using the details below — we will verify your identity and respond as required by applicable law.

SMS & email communications

Where you consent, we may contact you by SMS and email. You can opt out of SMS by replying STOP and unsubscribe from marketing emails using the link in each message. Message and data rates may apply.

Children's privacy

Our services are intended for adults. We do not knowingly collect information from children under 13.

Changes to this policy

We may update this policy from time to time. Material changes will be posted here with a new “last updated” date.

Contact us

XEM Holdings Inc., doing business as Relentless Credit Builder · Tampa, Florida · info@relentlesscreditbuilder.com · (813) 373-4463.