Privacy Policy

Credit Services of Michigan (“we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, and protect your information when you visit https://creditservicesmi.com, contact us, or communicate with us by phone, email, or text message.

1. Information We Collect

We may collect the following information when you submit a form, call us, or become a client:

• Contact information, such as your name, mailing address, email address, and mobile phone number.
• Information you give us to receive our services, such as details about your credit and account history.
• Records of your communications with us, including text message opt-in consent, date, and time.
• Technical information, such as your IP address, browser type, and pages visited on our website, collected through cookies and similar tools.

2. How We Use Your Information

We use your information to:

• Provide, manage, and improve our services.
• Respond to your questions and requests.
• Send appointment reminders, account updates, and customer care messages, including by text message if you have given consent.
• Verify your identity and prevent fraud.
• Comply with legal and regulatory obligations.

3. Text Messaging (SMS) Privacy

If you provide your mobile phone number and consent to receive text messages, we will use your number only to send you messages related to your services with Credit Services of Michigan, such as appointment reminders, account and service updates, and responses to your inquiries.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties.

We may share information with service providers who help us deliver messages and operate our business (for example, our messaging platform provider). These providers may use your information only to perform services for us and are not permitted to use it for their own marketing.

You may opt out of text messages at any time by replying STOP to any message. For help, reply HELP or contact us using the details below. Message frequency varies. Message and data rates may apply.

4. How We Share Information

We do not sell your personal information. We may share information only:

• With service providers acting on our behalf, under confidentiality obligations.
• When required by law, subpoena, or legal process.
• To protect our rights, property, or safety, or that of our clients.
• In connection with a business sale or merger, with notice where required.

5. Cookies and Analytics

Our website may use cookies and similar technologies to understand how visitors use the site. You can control cookies through your browser settings.

6. Data Security and Retention

We use reasonable administrative, technical, and physical safeguards to protect your information. No method of transmission or storage is completely secure. We keep your information only as long as needed for the purposes described here or as required by law.

7. Your Choices

You may contact us to access, correct, or request deletion of your personal information, subject to legal retention requirements. You may unsubscribe from emails using the link in any email, and from texts by replying STOP.

8. Children’s Privacy

Our services are not directed to individuals under 18, and we do not knowingly collect information from them.

9. Changes to This Policy

We may update this Privacy Policy from time to time. The effective date above shows when it was last revised.

10. Contact Us

Credit Services of Michigan
27 S Huron St
Ypsilanti, MI 48197
Phone: (734) 482-0445
Email: [email protected]
Website: https://creditservicesmi.com