Yes. We operate with strict adherence to the Fair Credit Reporting Act. We help you exercise your legal right to dispute inaccurate, outdated, or unverifiable items — always with full transparency.
Never. We store your information securely and only use it for services you’ve explicitly approved. We do not sell or share your personal data with third parties without permission.
Because we treat your file like a legal case. To properly structure and optimize your credit profile, we need certain documents to verify identity, address, and reporting accuracy.
The longer you wait, the more time negative accounts have to damage your profile. Missed opportunities like homeownership, vehicle loans, or business funding can stack up. Delay equals cost.
Apexx Global Solutions LLC
PRIVACY POLICY & TERMS OF SERVICE
Effective Date: July 1, 2025
SECTION 1: LEGAL NOTICE & DISCLOSURE STATEMENT
This Privacy Policy and Terms of Service is issued in accordance with the Fair Credit Reporting Act (FCRA), Credit Repair Organizations Act (CROA), Gramm-Leach-Bliley Act (GLBA), and the Federal Trade Commission (FTC) guidelines. Apexx Global Solutions LLC (“AGS,” “we,” “us,” “our”) operates in full compliance with all governing laws and regulations concerning consumer data, credit reporting, and marketing practices.
We are a private credit education and coaching company. You have the right to attempt credit repair on your own at no cost by contacting the credit bureaus directly. We do not guarantee results or outcomes, and any claims to the contrary should be reported to the FTC at ftc.gov.
SECTION 2: INFORMATION COLLECTION & DATA SECURITY
We collect the following personally identifiable information (PII) only when voluntarily submitted or uploaded via our platform, forms, or third-party integrations:
Full Legal Name
Date of Birth
Social Security Number (where necessary for credit bureau disputes)
Contact Information (Email, Phone, Address)
Employment and Financial Data (Income, Debt, Creditors)
Login Credentials for Credit Monitoring Platforms
Credit Reports and Scores
Payment Method (processed securely via PCI-compliant third-party vendors)
Security:
Your data is encrypted in transit and at rest. We utilize secure, HIPAA-grade cloud infrastructure and role-based access to ensure only authorized personnel view your data. Unauthorized access is prohibited under 15 U.S. Code §§1681-1681x.
SECTION 3: USE OF YOUR INFORMATION
Your data may be used for:
Credit report analysis, dispute preparation, and coaching
Generating personalized credit strategies
Submitting electronic or mailed dispute letters
Communicating with you about services or updates
Referring you to authorized third-party partners (e.g., lenders, credit monitoring platforms, business formation tools)
We do not sell or lease your information to third parties. We only share your data when:
You have granted written consent;
It is required by law, subpoena, or court order;
A third party (such as a payment processor or credit bureau) needs it to provide services you have requested.
SECTION 4: FTC & CROA-MANDATED DISCLOSURE
Required Disclosure Under the Credit Repair Organizations Act (15 U.S. Code §1679):
You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly. You can do this yourself at no cost.
You have the right to receive a copy of your credit file from a consumer reporting agency.
We are not a law firm and cannot provide legal advice.
No credit repair organization can lawfully remove accurate, current, and verifiable information from your credit report.
We do not advise you to mislead credit bureaus or create a new identity.
You may cancel services at any time without penalty, and you are entitled to a copy of the signed service agreement.
SECTION 5: TERMS OF SERVICE
By using our site, submitting payment, or engaging our services, you agree to the following terms:
Service Description:
Apexx Global Solutions LLC provides education, credit-building consultation, and non-attorney document preparation to help clients dispute inaccurate or unverifiable credit report items and develop strong financial profiles.
Client Responsibility:
You agree to:
Provide truthful, accurate, and complete information
Respond promptly to document requests
Review your credit reports and approve dispute letters when requested
Maintain active credit monitoring during the service term
Payment Terms:
All service fees are disclosed before enrollment. Payments are processed through secure merchant providers. Recurring plans require opt-in and may be cancelled in writing via [email protected].
Refunds:
Refunds may be available for any unrendered portion of a package within 3 business days of payment if no credit analysis, consultation, or dispute work has begun. All refund requests must be submitted via email with your name and invoice number.
Termination:
AGS may terminate services if false information is provided, payments fail, or abusive behavior is demonstrated. You may terminate at any time by notifying our team in writing.
SECTION 6: COOKIE POLICY & DIGITAL TRACKING
Our website may use cookies and tracking technologies to:
Personalize content and improve user experience
Collect analytics via platforms like Google Analytics and Meta Pixel
Monitor marketing campaign effectiveness
You may opt-out by adjusting browser settings or visiting www.aboutads.info/choices
SECTION 7: COMMUNICATION CONSENT
By providing your contact information, you consent to be contacted via:
SMS (text) messages
Phone calls (manual or auto-dialed)
Voicemail drop
You may opt-out at any time by replying STOP to SMS or emailing "unsubscribe" to [email protected].
SECTION 8: LIMITATION OF LIABILITY
Apexx Global Solutions LLC is not responsible for delays, credit bureau responses, creditor behavior, or third-party platform issues beyond our control. We do not assume liability for actions taken by you or lenders based on our education or materials.
You accept full responsibility for any credit decisions you make based on our services.
SECTION 9: GOVERNING LAW
This agreement is governed by the laws of the State of Arizona. All disputes must be resolved through binding arbitration, unless otherwise required by state law.
SECTION 10: CONTACT INFORMATION
For compliance, legal inquiries, or customer service:
Apexx Global Solutions LLC
9393 North 90th Street, Suite 102 #3
Scottsdale, AZ 85258
📧 [email protected]
📞 520-428-4128
🌐 www.apexxglobalsolutionsllc.com
By continuing to use our services, you acknowledge and accept this Privacy Policy and Terms of Service in full. If you do not agree, do not proceed with enrollment or service use.
Copyright © Apexx Global Solutions LLC. All Rights Reserved.