Privacy Policy

1. Introduction & Commitment to Your Privacy

Pronto Credit (“Pronto Credit,” “we,” “us,” or “our”), a Credit Cris Company, is a state-registered and bonded Credit Services Organization (CSO) operating in Texas. We respect your personal privacy and are committed to protecting the consumer information you share with us. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website (prontocredit.com) and when you interact with our digital resources, downloadable guides, and credit education services.

This policy complies with applicable federal and state privacy statutes, including the Texas Data Privacy and Security Act (TDPSA), the CAN-SPAM Act, and the Credit Repair Organizations Act (CROA).

2. Categories of Information We Collect

We only collect personal information that you knowingly and voluntarily provide to us, as well as limited technical telemetry generated automatically by your web browser:

• Contact Information: Your email address when you request a downloadable asset (such as The Pronto Approval Blueprint), submit a lead form, or reach out for consultation.
• Consultation & Case Notes: Information you voluntarily disclose regarding your credit profile, credit score targets, or financing goals during free reviews with Credit Cris or Credit Tony.
• Device & Telemetry Data: IP address, browser user-agent, referring webpage URL, and interaction timestamps collected automatically for anti-spam security, rate-limiting, and fraud prevention.

3. How We Use Your Information (Purposes of Processing)

We process personal data strictly for lawful business and commercial purposes:

• Delivering Requested Materials: Fulfilling your download of our guides, blueprints, and dispute checklists.
• Credit Education & Commercial Communications: Sending follow-up credit education tips, dispute strategies, case studies, and service announcements. You may opt out at any time.
• Client Relationship Management: Scheduling and conducting confidential credit audit calls.
• Compliance & Legal Protection: Maintaining proof of consent, verifying consumer agreements under CROA, and defending against unauthorized system access or fraudulent dispute activity.

4. We Never Sell or Rent Your Personal Information

Our Absolute Privacy Guarantee: Pronto Credit does not sell, rent, lease, or trade your personal information, email address, or financial inquiries to third-party data brokers, marketing list aggregators, or predatory loan lead networks.

5. Third-Party Service Providers (Data Processors)

We may share information with trusted third-party technical vendors solely to the extent required to deliver our web hosting, secure email transmission, and CRM communications:

• Cloud Hosting & Infrastructure: Our secure server host for storing website files and encrypted databases.
• Transactional & Marketing Email Services: Authenticated SMTP relays and marketing delivery partners (such as SendGrid, Brevo, or Google Workspace) that deliver our emails and honor unsubscribe requests.
• Customer Relationship Management (CRM): Secure client portal software for managing dispute case files.

All service providers are bound by strict contractual confidentiality agreements and are prohibited from using your data for their own independent marketing purposes.

6. Your Choices & CAN-SPAM Unsubscribe Rights

Under the federal CAN-SPAM Act, you have the absolute right to opt out of commercial marketing communications at any time:

• 1-Click Unsubscribe: Every promotional email sent by Pronto Credit contains a clear, functioning unsubscribe link in the footer.
• Immediate Processing: Unsubscribe requests are processed promptly, and no later than ten (10) business days following receipt.
• Direct Email Request: You may also email creditcris@prontocredit.com with “UNSUBSCRIBE” in the subject line.

7. Texas Consumer Privacy Rights (TDPSA Notice)

If you are a Texas resident, under the Texas Data Privacy and Security Act (TDPSA), you have specific consumer rights regarding personal data:

• The right to confirm whether we are processing your personal data and to access such personal data.
• The right to correct inaccuracies in your personal data.
• The right to delete personal data provided by or obtained about you.
• The right to obtain a copy of your personal data in a portable, readily usable format.
• The right to opt out of processing for targeted advertising or the sale of personal data. (Note: Pronto Credit does not sell personal data).

To exercise any of these statutory rights, please contact our Privacy Team at creditcris@prontocredit.com or call (956) 312-0645.

8. Security & Data Retention

We maintain physical, electronic, and procedural safeguards in accordance with federal standards to protect consumer information. Access to consumer lead records is strictly restricted to authorized Pronto Credit personnel. We retain lead submissions only as long as necessary to fulfill the purposes for which they were collected or as required by CROA documentation guidelines.

9. Contact & Business Information

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us: