Privacy Policy
Privacy Policy
Effective Date: July 7, 2026
At ACRUIM Consultant Services (a brand operated by Prime Credit Lab, hereinafter referred to as "the Company," "we," "our," or "us"), we value your privacy and are committed to protecting your personal data. This Privacy Policy outlines how we collect, store, process, protect, and share your information when you visit our website (https://www.acruim.com), purchase our credit restoration programs, download our digital products, or communicate with us via email or text messaging (SMS).
1. Information We Collect
We collect several different types of information for various purposes to provide and improve our service to you:
Personally Identifiable Information (PII): First name, last name, email address, mobile phone number, mailing address, state, and ZIP/Postal code.
Sensitive Financial Data: Social Security Numbers (SSN) and Date of Birth (collected strictly under signed credit restoration agreements for identity verification and pulling credit bureau reports).
Billing Information: Credit card details, billing address, and transaction histories processed through secure, PCI-compliant third-party payment gateways.
2. How We Use Your Information
We process your information based on legitimate business interests, the fulfillment of our contract with you, and compliance with legal obligations:
* To maintain and monitor our credit repair and financial consulting services.
* To manage your client portal account and notify you about changes to your account status.
* To fulfill orders for e-books, downloadable dispute kits, and digital courses.
* To provide robust customer support and respond to inquiries.
3. Mobile Terms & SMS Privacy Policy (Strict A2P Compliance)
We are dedicated to protecting your mobile privacy and maintaining strict compliance with the Cellular Telecommunications and Internet Association (CTIA) guidelines.
Consent & Collection: We collect your mobile phone number only when you explicitly provide it through website forms, pop-ups, or checkout fields. Consent is never a condition of purchase.
Purpose of SMS: Mobile numbers are strictly used to send transactional updates, credit file alerts, appointment reminders, and occasional promotional offers.
No Sharing of SMS Data: Mobile information and SMS opt-in data will not be shared, sold, rented, or leased to third-party entities, affiliates, brokers, or external partners for marketing or promotional purposes under any circumstances. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
 4. Tracking Technologies and Cookies
We use cookies, web beacons, and similar tracking technologies to track activity on our service and hold certain information. This data includes your IP address, browser type, pages visited, and time spent on our platform. You can instruct your browser to refuse all cookies, though some portions of our site may not function properly as a result.
5. Disclosure and Third-Party Sharing of Data
We do not sell, rent, or trade your general personal information. We may disclose your information (excluding mobile phone number and SMS consent) only to trusted service providers who assist us in operating our website, conducting our business, or servicing your account, so long as those parties agree to keep this information strictly confidential.
 6. Legal Compliance (CROA & FCRA)
Our data collection, processing, and storage practices operate in strict compliance with the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). We retain your records only as long as necessary to fulfill service agreements or comply with federal and state statutory financial record-keeping laws.
7. Data Security and Retention
The security of your data is critical to us. We implement standard security measures, including SSL encryption and restricted-access firewalls, to protect your personal information. We retain your personal data only for as long as is necessary for the purposes set out in this Privacy Policy.
 8. Your Data Protection Rights (State Laws)
Depending on your state of residence, you may have specific data protection rights, including:
* The right to access, update, or delete the personal information we have on you.
* The right of rectification if your information is inaccurate or incomplete.
* The right to object to or restrict our processing of your personal data.
 9. Children's Privacy
Our services are not directed to anyone under the age of 18. We do not knowingly collect personally identifiable information from children. If we become aware that we have collected personal data from a minor without verification of parental consent, we will take immediate steps to remove that information from our servers.
 10. Changes and Contact Information
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top. If you have any questions about this policy, please contact us at:
Email: support@acruim.com