Privacy & Site Usage Policy
This privacy notice discloses the privacy practices for www.provencredit.solutions. This privacy notice applies solely to information collected by this website. It will notify you of the following:
What personally identifiable information is collected from you through the website, how it is used and with whom it may be shared.
What choices are available to you regarding the use of your data.
The security procedures in place to protect the misuse of your information.
How you can correct any inaccuracies in the information.
Information Collection, Use, and Sharing
We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.
Your Access to and Control Over Information
You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:
See what data we have about you, if any.
Change/correct any data we have about you.
Have us delete any data we have about you.
Express any concern you have about our use of your data.
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.
Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a lock icon in the address bar and looking for “https” at the beginning of the address of the Web page.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.
When a visitor to this website chooses to become a client, that user will be required to complete an online registration which will provide them access to their online client portal. During registration a user is required to give certain information (such as name and email address). This information is used to contact you about the products/services on our site in which you have expressed interest. At your option, you may also provide demographic information (such as gender or age) about yourself, but it is not required. Additional proof of identity will also be required from clients in order for us to provide services as outlined on this website. This information is provide at will of the client, and is protected by us through the highest means of security available to us at the time such data is provided.
We request information from you on our order form. To buy from us, you must provide contact information (like name and shipping address) and financial information (like credit card number, expiration date). This information is used for billing purposes and to fill your orders. If we have trouble processing an order, we’ll use this information to contact you.
We may be required to utilize “cookies” on this site, based upon web applications which are intrinsic to the design and function of the website. A cookie is a piece of data stored on a site visitor’s hard drive to help us improve your access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site. You can clear these cookies, and any others which your browsing habits may accumulate, by simply clearing your browser cache. Details regarding this process are specific to the browser(s) you choose to utilize while browsing the internet in general. We can not provide that information to you, however it is readily available as part of the installation of the most common web browsers in use at this time.
We do not share aggregated demographic information with our partners and advertisers. Any information of this nature is held securely by us in order to protect your privacy. We do utilize an outside shipping company to ship any documents generated for client services, and a credit card processing company to bill clients for goods and services. These companies do not retain, share, store or use personally identifiable information for any secondary purposes beyond filling your order. We partner with other third parties to provide specific services to our clients. When a client signs up for these services, we will share names, or other contact information that is necessary for the third party to provide these services to the client as requested. These parties are not allowed to use personally identifiable information except for the purpose of providing these services, and we do not share them at any other time, or for any other reason.
This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.
The Free Consultation offered at our website is considered our company’s “first work” on behalf of any potential client, which is valued at $97, and offered as complimentary to all new clients. Any client’s use of this website and the forms related to said consultation, which is mandatory for all new clients, hereby agree to having received said value in the process of client onboarding for any specific services which they ultimately retain Proven Credit Solutions to execute on their behalf. In accordance with Georgia State Law, we do no offer any services to anyone in Georgia.
Document Deliverability Expectations (Updated Q1 2022)
Due to the global COVID pandemic, USPS mail delivery times have increased substantially. As a result, typical delivery time for mail through the USPS is anywhere from 3 to 7 business days for first-class mail, and 3 to 15 business days for certified mail. These delivery windows directly impact the timeframes under which we have customarily generated credit profile improvements for our clients. Due to these ongoing marketplace conditions which are outside of our company’s control, the timely processing of our clients’ files may still be delayed, thereby extending the timeframe required to achieve our historic credit profile improvements.
Secondarily, two of the three main credit bureaus have paused acceptance of customary inbound electronic documents via facsimile, and bureau processing times are delayed as the bureaus have been granted an extra 15 days to process and respond to letters, allowing them 45 days to act instead of 30. https://files.consumerfinance.gov/f/documents/cfpb_credit-reporting-policy-statement_cares-act_2020-04.pdf
Lastly, due to staffing shortages and other marketplace disruptions, credit bureaus may not be able to respond within the timeframes we have been able to rely upon historically. As of November 2020, hear the end of the first year of COVID pandemic disruptions, the NCLC submitted a complaint to the CFPB indicating that 13,000 complaints had been filed against the bureaus for lack of action over the previous 6 months.These challenges are ongoing, and have an impact on delivery of documents to the bureaus that Proven Credit generates for active clients. https://www.nclc.org/images/pdf/credit_reports/Letter-to-CFPB-urging-revocation-of-extra-time-for-disputes.pdf
Surveys and Contests
From time-to-time our site requests information via surveys or contests. Participation in these surveys or contests is completely voluntary and you may choose whether or not to participate and therefore disclose this information. Information requested may include contact information (such as name and shipping address), and demographic information (such as zip code, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of our clients with regard to our service offering, and the general usage of this site.