MCEE3 Digital
Privacy Policy
This Privacy Policy explains how MCEE3 Digital ("we," "us," or "our") collects, uses, shares, and protects personal information. It applies to our websites, our email and text message programs, and the credit consulting and financial services we provide to clients.
Because we provide financial services, we are also required by the federal Gramm-Leach-Bliley Act to give clients a specific privacy notice. That notice is included as Part B below.
Part A — General Privacy Policy
1. Information We Collect
| Category | Examples |
|---|---|
| Identifiers | Name, postal address, email address, telephone number, date of birth, Social Security number, driver's license or state ID number. |
| Financial information | Income, employment, account balances, payment history, debts, assets, and payment card or bank account information used to pay our fees. |
| Credit report information | Copies of consumer reports from Equifax, Experian, and TransUnion that you obtain and provide to us, including tradelines, collections, public records, inquiries, and scores. |
| Correspondence and case records | Dispute letters, bureau and creditor responses, our written assessments and action plans, and our notes on your file. |
| Commercial information | Services you purchased, obtained, or considered, and payment records. |
| Internet and device information | IP address, browser type, device identifiers, pages viewed, referring URL, and cookie data collected when you use our websites. |
| Communications data | Records of calls, emails, text messages, form submissions, and appointment bookings with us. |
Sensitive information. Social Security numbers, financial account numbers, government ID numbers, and credit report contents are treated as sensitive personal information. We collect them only to perform the services you have engaged us for, and we do not use or disclose them for any purpose other than performing those services and complying with law.
2. How We Collect It
- Directly from you — intake forms, consultations, documents you upload or email to us, and phone calls.
- From credit reports and correspondence you provide to us.
- From a referring party, such as an auto dealership or finance office, where you have authorized that party to refer you to us.
- Automatically from our websites through cookies and similar technologies.
We do not pull your credit reports on your behalf. We do not have and do not seek direct access to your credit files at any bureau.
3. How We Use It
- To perform the services described in your services agreement — assessing your credit file, preparing your action plan, and drafting correspondence for you to review, sign, and send.
- To communicate with you about your file, appointments, and account.
- To bill you and process payments for services already delivered.
- To respond to your questions, requests, and complaints.
- To maintain records required by federal and state law, and to comply with legal obligations, subpoenas, audits, and regulatory examinations.
- To secure our systems, prevent fraud, and enforce our agreements.
- To send you marketing communications about our services, where you have not opted out.
We do not use your credit report information, Social Security number, or financial account information for marketing, targeted advertising, or profiling of any kind.
4. When We Share It
| Recipient | Purpose |
|---|---|
| Service providers | Companies that host our client portal, process payments, provide email and CRM software, deliver mail, or provide document storage. Each is bound by contract to protect the information and use it only to provide services to us. |
| At your direction | Anyone you specifically instruct us in writing to share your information with — for example, a lender, dealership, or attorney. |
| Legal and regulatory | Courts, regulators, or law enforcement where required by law, subpoena, or valid legal process, or to establish or defend legal claims. |
| Business transfer | A successor entity in the event of a merger, acquisition, or sale of assets, subject to this Policy. |
We do not sell your personal information. We do not rent, trade, or share it with third parties for their own marketing purposes. We have not done so in the preceding twelve months.
5. Text Messaging and Email
If you provide your mobile number and consent, we may send you text messages about your account, appointments, and services. Message and data rates may apply. Message frequency varies.
- Reply STOP to any message to opt out. Reply HELP for assistance.
- You may opt out of marketing emails using the unsubscribe link in any message.
- Opting out of marketing does not stop transactional messages about an active engagement, such as appointment confirmations or billing notices.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Consent to receive text messages is not a condition of purchasing any service from us.
6. How We Protect It
- Client files and documents are stored encrypted at rest in our secure client portal. Transmission of documents to and from us is encrypted in transit.
- Access is limited to personnel who need it to perform the services, under written confidentiality obligations.
- We use multi-factor authentication on all systems holding client data.
- Paper documents containing sensitive information are stored in a locked location and shredded when no longer needed.
- We maintain a written information security program consistent with the FTC Safeguards Rule, 16 C.F.R. Part 314.
No system is perfectly secure. If we become aware of a breach affecting your personal information, we will notify you as required by applicable state and federal law.
7. Your Privacy Rights
California. California residents have the right to know, delete, correct, and limit the use of sensitive personal information, and the right not to be discriminated against for exercising those rights. We do not sell or share personal information for cross-context behavioral advertising.
Washington, Oregon, Colorado, Connecticut, Texas, Virginia, and other states with comprehensive privacy laws. Residents of these states have comparable rights of access, correction, deletion, portability, and opt-out of targeted advertising and sale. We do not engage in targeted advertising or the sale of personal information. If we deny a request, you may appeal by replying to our decision, and we will respond within the period your state law allows.
Nevada. Nevada residents may submit a verified request directing us not to sell covered information. We do not sell covered information.
8. Cookies and Website Analytics
Our websites use cookies and similar technologies to keep the site functioning, remember your preferences, and measure traffic. You can disable cookies in your browser settings; some features may not work if you do. We honor Global Privacy Control signals where required by law. Our booking calendar and client portal are hosted by third-party providers and subject to those providers' own security practices under contract with us.
9. Third-Party Links
Our websites and communications may link to credit bureaus, lenders, or other third parties. We do not control those sites and are not responsible for their privacy practices. Review their policies before providing information.
10. Contact Us
| Method | Details |
|---|---|
| privacy@mcee3.com | |
| Regulators | Washington State Attorney General; your own state Attorney General; the Consumer Financial Protection Bureau at consumerfinance.gov/complaint; the Federal Trade Commission at reportfraud.ftc.gov |
Part B — Privacy Notice for Clients
Required notice for clients under the Gramm-Leach-Bliley Act, delivered at the start of the engagement and annually thereafter.
| What we do | |
|---|---|
| WHY? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. |
| WHAT? | The types of personal information we collect and share include Social Security number, income, credit history, credit scores, account balances, and payment history. |
| HOW? | All financial companies need to share customers' personal information to run their everyday business. Below we list the reasons financial companies can share, and whether MCEE3 Digital shares. |
| Reason we can share | Do we share? | Can you limit it? |
|---|---|---|
| For our everyday business purposes — performing your services, maintaining your file, responding to legal process | Yes | No |
| For our marketing purposes | Yes | Yes — contact us to opt out |
| For joint marketing with other financial companies | No | We don't share |
| For our affiliates' everyday business purposes — information about your creditworthiness | No | We don't share |
| For our affiliates to market to you | No | We don't share |
| For nonaffiliates to market to you | No | We don't share |
How we protect and collect your information
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law, including computer safeguards, encryption of files at rest and in transit, multi-factor authentication, and secured files. We limit access to employees and contractors who need it to provide services to you. We collect your personal information when you engage our services, provide your credit reports, complete intake forms, or make payments.
Other important information
Nothing in this notice limits your rights under the Credit Repair Organizations Act or under the consumer protection or privacy laws of your state of residence. Where your state provides greater protection than this notice describes, your state's law controls.