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Privacy Policy

Last updated:

Overview & Commitment

Gold Star Credit ("we", "us", or "our") provides credit education, personal credit coaching, dispute process guidance, and business funding readiness consulting. We are based in Detroit, Michigan and serve individuals and small business owners throughout Michigan and across the United States.

We believe that repairing credit and preparing a business for capital should never require surrendering your personal privacy. This Privacy Policy details how we collect, use, store, share, and protect your information when you visit our website, submit a consultation inquiry, communicate with us via WhatsApp, phone, text, or email, or engage our services.

Information We Collect

1. Information You Provide Voluntarily

When you reach out through our contact forms, consultation booking requests, or direct communication channels, you may provide:

  • Contact Details: First name, last name, email address, phone number, and mailing or residential state.
  • Service Interests & Goals: Your preferred consultation focus (Personal Credit Repair, Business Funding Readiness, or both) and your preferred language (English or Spanish).
  • Communication Preferences: Preferred contact method (WhatsApp, phone call, SMS text, or email).
  • Inquiry Notes: Any general background information or questions you choose to submit in optional message boxes.

2. Information We Never Solicit on This Website

To protect your sensitive financial identity, we never request or store the following items through our public website:

  • Social Security Numbers (SSNs) or Individual Taxpayer Identification Numbers (ITINs).
  • Full credit card numbers, bank account numbers, or online banking passwords.
  • Full consumer credit reports or bureau credential logins.
  • Government-issued photo identification copies.

Any formal evaluation or documentation exchange takes place strictly through secure, direct onboarding channels under a formal written client agreement—never through public web contact forms.

3. Automatically Collected Technical Data

When you navigate our website, our hosting infrastructure and privacy-first analytics collect basic diagnostic data necessary to deliver pages securely and reliably:

  • Device hardware, operating system, and browser architecture.
  • IP address (anonymized for analytics).
  • Request timestamps, referring URLs, and pages accessed.

How We Use Your Information

We process and use the information you provide solely for legitimate, transparent business purposes:

  • Consultation Delivery: To schedule, confirm, and conduct your free 30-minute consultation call or messaging discussion.
  • Client Communication: To respond promptly to inquiries received via web forms, WhatsApp, email, or telephone.
  • Service Customization: To tailor credit coaching guidance, educational material, and business funding readiness recommendations to your stated objectives.
  • Legal & Regulatory Compliance: To maintain business records required by Michigan state law and applicable federal consumer protection standards.
  • Site Security & Fraud Prevention: To protect our platform from automated spam, bot submissions, and malicious activity.

Cookies & Local Storage

We maintain a strict minimal-cookie policy:

  • Language Preference (gsc_lang): We use a single, lightweight first-party cookie to remember whether you selected English or Spanish during your visit.
  • No Third-Party Advertising Cookies: We do not deploy cross-site tracking pixels, third-party marketing beacons, or surveillance ad-tech scripts.
  • Local Storage: Used exclusively to store transient user interface preferences (such as dismissing language suggestions or maintaining non-personal session state).

Communications via WhatsApp & Messaging (TCPA Notice)

When you submit your phone number or click to initiate a conversation through our WhatsApp link or widget, you are requesting direct communication from Gold Star Credit.

  • We use WhatsApp to provide direct, bilingual answers regarding our services and your consultation request.
  • Message data transmitted via WhatsApp is subject to WhatsApp's end-to-end encryption and Meta's privacy policy.
  • We do not send automated robocalls, unsolicited marketing blasts, or sell your phone number to third-party telemarketers.
  • You may opt out of text or messaging communications at any time simply by replying "STOP" or notifying us in chat.

Information Sharing & Third-Party Service Providers

We do not sell, rent, monetize, or trade your personal information to any third party.

We share data only with vetted, reputable service providers who assist us in operating our business under contractual confidentiality obligations:

  • Cloud Infrastructure & Hosting: Secure, SOC-2 compliant hosting providers that serve site pages.
  • Scheduling Systems: Online calendar tools (such as Calendly) if you elect to book appointments through self-service calendars.
  • Direct Messaging: WhatsApp (Meta Platforms) when you choose to communicate via our official WhatsApp business number (+1-770-335-3464).
  • Legal Compliance: When required by subpoena, court order, or applicable law to protect consumer rights or defend against fraudulent claims.

Data Retention & Security

We maintain administrative, technical, and physical safeguards designed to protect personal information from accidental, unlawful, or unauthorized destruction, loss, alteration, access, or disclosure.

  • All web transmission is protected using modern Transport Layer Security (TLS/HTTPS).
  • Contact inquiries are retained only for as long as necessary to fulfill the initial consultation request, maintain active client relationship records, or comply with statutory recordkeeping rules under Michigan law.

Your Privacy Rights & Choices

Regardless of your jurisdiction, Gold Star Credit affords you the following rights regarding your personal information:

  • Right to Know & Access: You may request details regarding what personal information we hold about you.
  • Right to Correction: You may request updates or corrections to any incomplete or inaccurate contact details.
  • Right to Deletion: You may request that we delete your contact record from our consultation database, subject to necessary legal retention requirements.
  • Right to Opt-Out: You may withdraw consent for follow-up communications at any time.

To exercise any of these rights, please reach out to us directly through our contact page or at the phone number listed below.

Children's Privacy

Our website and services are directed strictly toward adults and business owners. We do not knowingly collect, solicit, or maintain personal information from individuals under 18 years of age.

Changes to This Policy

We may update this Privacy Policy periodically to reflect enhancements in our operational practices or regulatory changes. The "Last updated" date at the top of this page indicates the date of the most recent revision.

Contact Information

If you have questions, comments, or concerns regarding this Privacy Policy or our privacy practices, please contact us:

Gold Star Credit
Based in Detroit, Michigan
Phone / WhatsApp: +1 (770) 335-3464
Official Website: https://goldstarcredit.com