At 850Above, your privacy matters to us. We understand that by choosing to share your personal information with us, you expect a high standard of responsibility, transparency, and protection. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website or use our credit repair and education services.

By accessing our website or engaging our services, you acknowledge that you have read and understood this Privacy Policy and consent to the collection and use of your information as outlined below.

850Above is committed to protecting your personal information in accordance with all applicable federal and state laws, including the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), the California Consumer Privacy Act (CCPA), and related data protection standards. We also take guidance from the General Data Protection Regulation (GDPR) where applicable.

We believe your information belongs to you, not to us. We will never sell, rent, or trade your personal information to third parties for profit. The information you share with us is used strictly for providing credit repair, credit education, and related customer services.

When you engage with 850Above — whether by browsing our website, filling out a form, or subscribing to our services — we collect certain types of information to help us serve you better. This may include your name, address, email address, phone number, and other details that allow us to verify your identity. In some cases, to provide credit repair or educational services, we may also require information such as your date of birth, Social Security number, or documents related to your credit report. 

We may also collect non-personal data automatically when you visit our website, such as your device type, browser version, IP address, and how you interact with our site. This helps us analyze website performance, improve user experience, and ensure the platform operates securely. 

All information is collected lawfully, with your knowledge and consent, and is used solely for legitimate business purposes connected to your relationship with 850Above.

The information we collect allows us to deliver the services you request and maintain compliance with U.S. consumer protection laws. Specifically, we use your data to verify your identity, process payments, communicate service updates, provide credit education, and perform credit repair activities such as disputing inaccurate information with credit bureaus and creditors on your behalf. 

We also use your contact details to communicate important information regarding your account, service status, or educational content that may help you manage your credit more effectively. Occasionally, we may send promotional offers or newsletters, but you can opt out of receiving these communications at any time. 

Your data may also be used for internal business operations, such as auditing, analytics, and security enhancement, to ensure we continually improve our client experience.

850Above values your privacy and shares your information only when it is essential to provide our services or when required by law. In the course of business, we may share limited information with trusted service providers such as payment processors, credit monitoring partners, or email communication platforms — but only to the extent necessary to perform specific functions. 

We may also share information with credit bureaus, creditors, or other relevant parties as part of the credit repair process, but only after obtaining your authorization. In some cases, if required by law, court order, or government request, we may disclose personal information to regulatory or legal authorities. 

Every third-party service provider we work with is bound by strict confidentiality and data protection agreements. We never sell or disclose your information for marketing or advertising purposes.

Protecting your information is one of our core priorities. 850Above uses advanced security measures to safeguard all data shared with us. We employ Secure Socket Layer (SSL) encryption across our website, use encrypted storage systems, and restrict access to personal information to authorized personnel only. 

Our data handling procedures are regularly reviewed to ensure compliance with the latest privacy and security standards. All payments made through our website are processed by secure, PCI-DSS–compliant third-party vendors, ensuring that sensitive financial data like credit card numbers or bank details are never stored on our servers. 

While we take every reasonable precaution, no online system is completely immune to risks. By using our website or services, you acknowledge and accept the inherent limitations of online data transmission.

We retain personal data only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, or resolve disputes. The length of retention may vary based on state or federal regulations related to credit repair documentation or financial recordkeeping. 

Once the retention period ends, your data is securely deleted or anonymized to ensure it can no longer be linked back to you.

You have full control over your personal information. Depending on your location and applicable laws, you may have the right to request access to your data, correct inaccuracies, delete personal information, or limit certain forms of data processing. 

If you wish to exercise any of these rights, you can contact us at privacy@850above.com. We may request proof of identity to prevent unauthorized access. 

For California residents, we comply with the California Consumer Privacy Act (CCPA), which grants the right to know what personal data we collect, how it’s used, and to request its deletion. For European visitors, our practices align with the GDPR, ensuring you have the right to access, rectify, and erase personal information.

Our website uses cookies — small text files stored on your browser — to enhance functionality and track user interactions. Cookies help us personalize your experience, analyze performance, and improve our website. 

You can manage cookie preferences through your browser settings. Disabling cookies may limit some site features, but it will not affect your ability to use our core services. 

We do not use cookies for behavioral advertising or to track your activity across unrelated websites.

By providing your contact information, you agree to receive service updates, reminders, and important notifications from 850Above. We may also send you educational resources or occasional marketing content related to credit repair and financial wellness. 

You can opt out of marketing communications at any time by clicking “Unsubscribe” in emails or replying “STOP” to text messages. All communications are handled in compliance with the Telephone Consumer Protection Act (TCPA) and CAN-SPAM Act. 

We respect your preferences and will never pressure you to opt into promotional messages.

850Above does not knowingly collect or store personal data from individuals under the age of 18. Our services are intended solely for adults who can legally enter into contracts. If we discover that a minor has submitted personal information, we will promptly delete it. 

Parents or guardians who believe their child has provided us with personal data should contact privacy@850above.com.

Although 850Above operates primarily in the United States, individuals accessing our website from outside the country should be aware that their information may be transferred to and processed in the U.S. 

By using our services, you consent to this transfer and acknowledge that U.S. data protection standards may differ from those in your home country. Nonetheless, we take appropriate measures to ensure your data is treated securely and in accordance with this Privacy Policy.

850Above operates in full compliance with all relevant U.S. consumer protection and credit laws, including CROA and FCRA. These laws require us to maintain accurate records of client transactions, dispute processes, and communications with credit bureaus. We may retain or disclose limited data when legally required to demonstrate compliance during audits or investigations. 

We may also disclose information to prevent fraud, address security concerns, or comply with regulatory reporting requirements.

We may update this Privacy Policy periodically to reflect changes in our practices, new legal requirements, or improvements in our services. When updates occur, we will revise the “Effective Date” at the top of the page. 

Significant updates will be communicated via email or website notice. Your continued use of our website or services after any update constitutes your acceptance of the revised terms.

If you have any questions about our Privacy Policy, your data rights, or how we handle your information, please reach out to us. 

850Above
📍 1708 Standard Ave, Glendale, CA 91201
📧 expert@850above.com
📞 (850) 530-9515
🕒 Business Hours: Monday – Saturday | 9:00 AM – 5:00 PM