Effective date: August 21, 2026 · Last updated: August 21, 2026
Introduction
Credit Optics Consulting LLC, doing business as Credit Optics Consulting (“we,” “our,” or “us”), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit https://creditopticsconsulting.pro or use our services, including our SMS/text messaging programs.
Information We Collect
We may collect the following types of information:
- Personal Information: name, email address, phone number (including mobile number), business name, and other information you provide when requesting a funding consultation or contacting us.
- Business Information: details about your business revenue, time in business, banking activity, and credit profile relevant to funding programs.
- SMS/Text Message Consent Data: records of your opt-in consent for transactional and/or marketing text messages, including the date, time, page URL, and method of consent.
- Usage Data: IP address, browser type, pages visited, and time spent on pages.
- Cookies and Tracking: we use cookies and similar technologies to enhance your experience and analyze website usage.
How We Use Your Information
- To assess funding readiness and process your funding requests
- To communicate with you about your application, offers, and account updates
- To send transactional SMS messages related to your application (with your consent)
- To send promotional SMS offers and funding tips (only with your explicit, separate consent)
- To improve our website and services
- To comply with legal and regulatory requirements
SMS/Text Messaging Data & Mobile Information
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Your phone number and SMS consent information are used solely by Credit Optics Consulting LLC for the purposes you have explicitly consented to:
- Transactional messages: application updates, document requests, funding status updates, appointment reminders, and customer care
- Marketing messages: funding offers, program announcements, and promotional content (only if separately opted in)
Mobile information may be shared with service providers that assist us in delivering our messaging services (e.g., SMS platform providers). These providers are contractually obligated to protect your information and may not use it for any purpose other than delivering messages on our behalf.
We maintain records of your opt-in in compliance with TCPA and CTIA guidelines. You may opt out at any time by replying STOP to any text message. For help, reply HELP or contact us at (216) 409-1249. For details about our SMS programs, please see our SMS Terms & Conditions.
Message frequency may vary depending on your interactions with us. Message and data rates may apply according to your wireless carrier plan. Carriers are not liable for delayed or undelivered messages.
Third-Party Services
With your authorization, we may share application information (excluding mobile phone numbers and SMS opt-in data) with trusted funding partners, lenders, and service providers who assist in operating our business. These parties are contractually obligated to keep your information confidential and use it only for the purposes we specify.
Under no circumstances do we share your mobile phone number or SMS consent data with third parties for their own marketing purposes.
Data Security
We implement reasonable administrative, technical, and physical security measures to protect your personal information, including your mobile phone number and SMS consent records. However, no method of transmission over the internet or electronic storage is 100% secure.
Your Rights
- Access the personal information we hold about you
- Request correction or deletion of your data
- Opt out of the sale of your personal information (we do not sell your data)
- Withdraw consent for SMS communications at any time by replying STOP
- Request information about what data we have collected and how it has been used
Data Retention
We retain your personal information for as long as necessary to provide our services and comply with legal obligations. SMS consent records are maintained for a minimum of 5 years in compliance with TCPA record-keeping requirements. If you opt out of SMS communications, we will retain a record of your opt-out to ensure compliance.
Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected data from a child under 18, we will take steps to delete such information.
Cookies
Our website uses cookies to enhance user experience and analyze traffic. You can control cookie preferences through your browser settings.
Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated revision date. We encourage you to review this Privacy Policy periodically.
Contact Us
If you have questions about this Privacy Policy or how we handle your data, contact us at:
Credit Optics Consulting LLC (DBA Credit Optics Consulting)
2490 Lee Blvd, Suite 100B, Cleveland Hts, Ohio 44118, United States
Phone: (216) 409-1249
Email: admin@creditopticsconsulting.com