Privacy Policy for
ClearPath Credit

Effective Date: November 21, 2025

‍ClearPath Credit, LLC (“we,” “us,” “our”) is a New Hampshire limited liability company headquartered at [69 Eastern Ave, Concord, NH 03103

This Privacy Policy complies with New Hampshire RSA 359-C (Right to Privacy), RSA 358-A (Consumer Protection), the federal Gramm-Leach-Bliley Act (GLBA), Fair Credit Reporting Act (FCRA), and the Credit Repair Organizations Act (CROA). It is modeled after privacy policies used by reputable credit repair/credit consulting companies such as Credit Saint, Lexington Law, Sky Blue Credit, and The Credit Pros.

1. Information We Collect
We collect only the information necessary to provide credit consulting services:
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Category
Personal Identifiers
Credit & Financial Data
Payment Information
Device & Data Usage

Examples
Name, address, SSN (last 4 digits only for report access), DOB, phone, email
Credit reports (soft pull only), scores, account numbers (redacted)
Credit card (tokenized via Stripe)
IP address, browser type, pages visited

Source
Directly from you
You authorize via AnnualCreditReport.com or secure third-party providers
You provide at signup
Automatic via cookies & analytics

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2. How We Use Your Information

-To perform the Services (audit reports, dispute letters, progress tracking)
-To communicate with you (email/SMS updates, strategy calls)
-To process payments and prevent fraud
-To improve our website and services (anonymized analytics)
-To comply with federal and NH law (e.g., FCRA permissible purpose documentation)
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3. How We Share Your Information
We share only when required to deliver the Services or by law:
‍
Recipient
Credit bureaus and data furnishers
Licensed FCRA attorneys (Elite referrals)
Stripe (payment processor)
Surety bond company & NH Banking Department
Law enforcement / regulators
‍
‍
Purpose
File disputes on your behalf (you sign letters)
Escalation when needed
Process Monthly Fee
Required regulatory fillings
Subpoena or investigation


Safeguards
Secure transmission
Written consent required
PCI-DSS compliant, tokenized
Minimum necessary data
Only with legal process

We never sell your data. We do not share with marketers or unrelated third parties.


4. Data Security (RSA 359-C:20 – Notice of Security Breach)

-All personal data is encrypted in transit (TLS 1.3) and at rest (AES-256).
-Access limited to trained staff under written confidentiality agreements.
-In the unlikely event of a breach affecting NH residents, we will notify you and the NH Attorney General within 7 days as required by RSA 359-C:20.

5. Your Privacy Rights (New Hampshire & Federal)

-Right to know what personal data we hold (request within 30 days)
-Right to correct inaccurate data
-Right to delete your data (subject to 7-year FCRA record-keeping)
-Right to opt out of any future sharing (though we do not sell data)
-Right to file a complaint with the NH Attorney General (603-271-3641) or FTC
Submit requests to support@clearpathcredit.com or mail to our NH address.

6. Children’s Privacy
Our Services are not directed to persons under 18. We do not knowingly collect data from children.

7. Changes to This Policy
We will notify you by email and post the new policy 30 days before material changes take effect.

8. Contact Us
ClearPath Credit, LLC
[Insert Address]
‍support@clearpathcredit.com
‍[Insert Phone]

By using our Services, you acknowledge this Privacy Policy.
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