Privacy and Refund Policy/Disclosures

Refund Policy:

If we are unable to achieve the short-term goals as outlined in your evaluation and you have done as we have asked in the evaluation, we will work on your credit file for free for up to 2 months or until we have met the short term credit goals we outlined for you. If after two months of working with you beyond the program time, we are still unable to achieve those written goals as defined

Your Privacy

Your privacy is extremely important to eCreditAdvisor consultants. We strive to keep your personal information confidential. By ensuring that you are aware of and understand the eCreditAdvisor Privacy Policy, we can provide you with better service. Please take a moment to read the following policy to learn how we handle your personal information.

Why We Collect Personal Information

We collect personal information to enroll you in our service. The information we require is the absolute minimum necessary. eCreditAdvisor uses your personal information to provide you with superior customer service, and to communicate with you regarding your case.

How We Collect Personal Information

We collect information about you at the time you sign up for our service, and any time we enter information from your credit report into our database. The latter is necessary to have quick access to information during your dispute.

When We Disclose Personal Information

Because the ability to communicate with our clients during any part of the credit recovery process is absolutely essential, your personal information may be shared with other eCreditAdvisor consultants. They will protect your personal information in accordance with the eCreditAdvisor Privacy Policy. eCreditAdvisor will not share your personal contact information with other companies unless you specify otherwise.

eCreditAdvisor works with other companies that help us provide credit consulting services to you, and we may provide your personal information to these companies. For example, should we need to forward written documents to you, we give shipping companies this information so they can deliver more efficiently. The information they receive is for shipping and delivery purposes only, and we require that the companies safeguard your personal information in accordance with eCreditAdvisor’s policies.

How We Protect Your Personal Information

eCreditAdvisor safeguards the security of the data you send us with physical, electronic, and managerial procedures. We urge you to take every precaution to protect your personal data when you are on the Internet.

Collecting Other Personal Information

When you browse eCreditAdvisor’s web site, you are able to do so without the fear of your information being provided to any third parties without your consent. Generally, we don’t collect personal information when you browse — not even your email address. Your browser, however, does automatically tell us the type of computer and operating system you are using, however we DO NOT provide this information to any third-party advertising companies.

Our Companywide Commitment to Privacy

To make sure your personal information remains confidential, we communicate these privacy guidelines to every eCreditAdvisor employee and staff member. eCreditAdvisor consultants do not knowingly solicit personal information from children or send them requests for personal information.

eCreditAdvisor’s web site may contain links to other sites. eCreditAdvisor does not share your personal information with those web sites and is not responsible for their privacy practices. We encourage you to learn about the privacy policies of those companies.

If we are going to use your personal information differently from that stated at the time of collection, we will try to contact you via email using the most recent information we have. If you have not given us permission to communicate with you, you will not be contacted, nor will we use your personal information in a new manner.

The eCreditAdvisor Privacy Policy is subject to change at any time. We encourage you to review the privacy policy regularly for any changes.

Our No-Risk Refund Policy

We do it right, and if not it’s on us. Ovation is committed to building long-term relationships of trust to provide you with the most effective credit report repair possible. At Ovation, requests for refunds rarely present themselves. But if they do, our clients are protected from day one. As a valued Ovation client, you have the right to extend or cancel our services at any time. We are committed to providing quality service at the time of your convenience, which is why we believe you have the right to determine how and when you would like to utilize our resources without being bound by any lengthy contracts or agreements.

Our policy is very straight forward. During any month, if we fail to provide the agreed upon services in an expedient and impeccable manner, we will not charge your Monthly Fees for that month. It’s as simple as that! We stand behind the quality of the work we do for you, and it shows.

Each case is different, and results will vary upon the specific issues contained on your credit reports. They will also vary based upon the amount of time you are willing to commit to your credit report repair. As such, Ovation Credit does not and can not guarantee specific results.

Consumer Credit File Rights Under State and Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within five days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.