Apexx Global Solutions LLC

Effective Date: August 1, 2025

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Section 1: Overview And Purpose

Apexx Global Solutions LLC (“AGS,” “we,” “us,” “our”) takes your privacy and data protection seriously. This Privacy Policy outlines how we collect, process, store, transmit, share, and dispose of personal and sensitive consumer information, including but not limited to personally identifiable information (“PII”), financial data, credit data, and dispute documentation.

Our handling of data is governed by stringent adherence to:

• Fair Credit Reporting Act (FCRA, 15 U.S.C. § 1681 et seq.)
• Credit Repair Organizations Act (CROA, 15 U.S.C. § 1679 et seq.)
• Gramm-Leach-Bliley Act (GLBA)
• Telephone Consumer Protection Act (TCPA)
• Children's Online Privacy Protection Act (COPPA)
• Electronic Signatures in Global and National Commerce Act (E-SIGN)
• Federal Trade Commission Act (FTC Act, 15 U.S.C. § 41 et seq.)
• Applicable state-level privacy and data protection laws, including the California Consumer Privacy Act (CCPA) and Illinois Personal Information Protection Act (PIPA).

This policy is enforceable to the full extent of the law and shall serve as a binding agreement upon engagement with our website, portals, communications, or services.

Section 2: Categories Of Data Collected

• Identification Data: Full name, mailing address, date of birth, SSN (partial or full), driver’s license or government-issued ID.
• Financial Data: Credit scores, public records, credit tradeline histories, inquiries, and collections.
• Authentication Data: Username, password, verification questions.
• Communications Data: Emails, SMS interactions, phone call logs (if permitted).
• Device Metadata: IP address, browser type, device ID, GPS location, operating system.

All data is stored using industry-standard AES-256 encryption, and transmissions are secured via TLS 1.3.

Section 3: Legal Basis For Processing Information

• Express Written Consent: Provided at time of onboarding or through digital forms in compliance with E-SIGN.
• Contractual Necessity: As required to perform agreed services.
• Legal Obligation: To comply with court orders, audits, or law enforcement investigations.
• Legitimate Interest: To improve services, identify fraud, and comply with evolving federal regulations.

Section 4: How We Use Your Information

• To initiate and manage credit analysis, dispute processing, and document submissions.
• To verify identity and authenticate client portal access.
• To deliver automated or manual updates via SMS, phone, and email.
• To maintain logs for audit trails, consumer complaints, and legal response readiness.
• To detect suspicious activity and terminate fraudulent accounts.

Your information is never sold, rented, leased, or distributed to third parties outside of AGS or its direct partners.

Section 5: Data Retention And Exfiltration Protections

Your data is stored for a period not exceeding 7 years, unless a legal hold is imposed, there are pending investigations, or you are engaged in ongoing litigation.

Exit protocol includes:

• Destruction via DoD 5220.22-M wiping standard.
• Formal revocation of third-party API access.
• Remote invalidation of any digital assets or keys shared.

Section 6: Your Rights

You may exercise the following rights at any time by contacting us at [email protected]:

• Right To Access.
• Right To Rectify Inaccuracies.
• Right To Request Deletion.
• Right To Restrict Processing.
• Right To Object To Profiling Or Automated Decision-Making.
• Right To Withdraw Consent.

Section 7: Data Breach Notification Policy

In the event of a breach, AGS will notify all affected consumers within 72 hours of discovery via your preferred contact method and will file a report with the FTC and state attorneys general in accordance with data breach laws.

Section 8: Third-Party Vendors

The following third-party services may have limited access to your data:

• Credit Hero (credit monitoring)
• Novae (personal development services)
• Credit Repair Cloud (portal processing)
• GoHighLevel (client engagement CRM)

All third-party vendors have been reviewed and verified for data security standards, FTC & FCRA compliance, and limited scope of access.

Section 9: Children’s Data

This platform is not intended for children under 13. We do not knowingly collect or store information from minors.

Section 10: Policy Enforcement

Violation of this policy by any third party, employee, vendor, or affiliate will result in immediate suspension, investigation, and potential civil or criminal referral under applicable law.

Apexx Global Solutions LLC

Effective Date: August 1, 2025

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Article 1: Acceptance Of Terms

By accessing, using, or registering on this website, client portal, or affiliated services, you agree to be bound by this legally enforceable agreement, governed under the laws of the State of Arizona.

You acknowledge:

• You are over 18.
• You are the rightful owner or authorized user of the credit report(s).
• You understand your rights and responsibilities under CROA, FCRA, TSR, and FTC guidelines.

Article 2: Service Scope

Services provided include credit analysis, identity verification, educational consultation, and automated or manual dispute tracking and letter generation.

Note: AGS does not guarantee credit score increases, deletion of accounts, or specific financial outcomes. Our service is educational and facilitative in nature.

Article 3: Fees And Compliance Disclosures

All fees are disclosed upfront. No advance fees are charged for credit repair services unless compliant with CROA (15 U.S.C. § 1679b) and TSR §310.4(a)(2) (6-month performance window requirement).

Client onboarding may involve fees for document digitization, portal configuration, and identity authentication. No fees are ever collected in exchange for the promise of improved credit scores.

Article 4: Client Duties

Clients are responsible for providing accurate documents, responding to identity verification requests, logging into their portal regularly, and keeping contact information current.

Article 5: Communication Consent

By enrolling, you authorize AGS to send SMS, email, and phone updates, leave voicemails, and deliver document notices digitally. You may revoke consent by emailing [email protected].

Article 6: Indemnification

You agree to hold harmless AGS, its owners, agents, employees, and affiliates against any damages, claims, penalties, or legal costs arising out of misuse of services, fraud, or failure to comply with federal credit regulations.

Article 7: Limitation Of Liability

To the fullest extent allowed by law, AGS disclaims liability for credit bureau delays, improper deletions or reinsertions, incorrect consumer reporting data, and lost data due to third-party system failures.

Article 8: Modifications

We reserve the right to amend this policy without notice. It is your responsibility to review these Terms periodically.

Article 9: Termination

AGS reserves the right to terminate your access or account without notice for violations of these Terms or for engaging in behavior inconsistent with compliance standards. All data and obligations survive termination.

Article 10: Contact

Apexx Global Solutions LLC
9393 N 90th Street, Suite 102 #3
Scottsdale, AZ 85258
Email: [email protected]
Phone: (520) 428-4128