Effective Date: January 1, 2025

The Bill Busters (DBA Genesis Credit Restoration) (“Genesis Credit Restoration,” “we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our credit repair services. By accessing or using our website or services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our website or services.

1. Information We Collect

Personal Information

We collect personal information that you voluntarily provide to Genesis Credit Restoration, including but not limited to:

• Name

• Postal address

• Email address

• Telephone number

• Information about your interests in and use of our products, programs, and services

• Education level and interests

Payment Information

If you become a paying customer, we collect payment information, including your credit card number, expiration date, and billing address, to process your payments for our services.

Technical and Usage Information

We automatically collect certain technical information through log files and cookies, such as:

• IP address

• Browser type

• Internet Service Provider (ISP)

• Referring/exit pages

• Platform type

• Date/time stamp

• Number of clicks

This information is used to analyze trends, administer the website, and gather broad demographic data. Log file data is not linked to personally identifiable information.

2. Cookies and Tracking Technologies

Genesis Credit Restoration uses cookies and similar technologies to enhance your experience, remember your preferences, and deliver content tailored to your interests. Cookies do not collect personally identifiable information. You may adjust your browser settings to refuse cookies, but this may affect your ability to use certain features of our website.

3. How We Use Your Information

Genesis Credit Restoration uses your information for purposes including, but not limited to:

• Providing and improving our products and services

• Processing your payments and managing your account

• Sending you promotional offers and marketing communications (with your consent)

• Facilitating your requests for products, services, or information

• Tracking compliance with our Terms and Conditions

• Conducting analytics and research

• Meeting legal, regulatory, and compliance obligations (such as FCRA, GLBA, and applicable state privacy laws)

By submitting your information, you consent to receive marketing communications from Genesis Credit Restoration. You may unsubscribe at any time by following the instructions in our emails.

4. How We Protect Your Payment Information

Genesis Credit Restoration takes the security of your payment information seriously. We handle credit card and other payment data in accordance with the Payment Card Industry Data Security Standard (PCI DSS).

Our practices include:

• Encryption: All sensitive payment data is encrypted during transmission and storage.

• Secure Processing: We use secure, PCI-compliant payment processors to handle your transactions.

• Limited Storage: We do not store sensitive authentication data (such as CVV or PIN) after your transaction is authorized.

• Access Controls: Only authorized personnel have access to your payment information.

• Regular Reviews: We regularly review and update our security practices to protect your data.

We do not share your credit card information with third parties except as necessary to process your payment, comply with legal obligations, or as required by law.

5. Sharing of Information

Genesis Credit Restoration may share your information as follows:

• With Service Providers and Partners: To fulfill your requests or provide services you have requested (e.g., with credit bureaus, data processors, or partners who help us deliver our services).

• With Third-Party Marketers: With your consent, we may share your information with third parties for marketing purposes.

• Legal Compliance: When required by law, court order, subpoena, or other legal process.

• Business Transfers: In the event of a merger, acquisition, or sale of all or part of our assets, your information may be transferred to the acquiring entity.

• Protection of Rights: To enforce our terms, protect our rights, or investigate fraud or security issues.

Genesis Credit Restoration does not sell your personal or payment information to third parties. We may share anonymized or aggregated data that does not identify you personally.

6. Your Choices and Rights

• Opt-Out: You may opt out of receiving marketing communications from Genesis Credit Restoration at any time by following the unsubscribe instructions in our emails or contacting us directly.

• California Residents: If you are a California resident, you have the right to request information about the personal information we disclose to third parties for direct marketing purposes (California “Shine the Light” law). To make such a request, please email us at your email address.

• Access, Update, or Delete: You may request to access, update, or delete your personal information by contacting us at your email address.

7. Security

Genesis Credit Restoration uses industry-standard security measures to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure.

8. Children’s Privacy

Genesis Credit Restoration does not knowingly collect or solicit personal information from children under the age of 18. If we learn that we have collected such information, we will promptly delete it.

9. Updates to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued use of our website or services constitutes your acceptance of the revised policy.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact Genesis Credit Restoration at:

Genesis Credit Restoration

51194 Romeo Plank

Suite 150

Macomb, MI 48042

[email protected]

248-997-2156