TRANSFORM MY SCORE PRIVACY POLICY

Effective Date: May 1, 2026 Last Updated: May 1, 2026

Transform My Score ("we," "us," "our") is a credit repair service operated by Hermox Document Solutions LLC, a Michigan limited liability company. This Privacy Policy explains how we collect, use, share, and protect your information when you use our website at www.TransformMyScore.com or our services.

By using Transform My Score, you agree to the practices described in this Privacy Policy.

1. INFORMATION WE COLLECT

1.1 Information You Provide to Us

We collect information you voluntarily provide, including:

Contact Information: Name, email address, phone number, mailing address, date of birth

Identification Information: Information needed to verify your identity and obtain your credit reports, which may include the last four digits of your Social Security Number (collected securely through encrypted forms only, never through chat or SMS)

Credit Information: Information from your credit reports, credit scores, and information you provide about disputed items, accounts, and credit history

Financial Information: Information about your income, employment, and financial situation as relevant to your credit goals

Communication Records: Messages you send through our chat widget, contact forms, email correspondence, SMS messages, and call recordings (where permitted by applicable law)

Payment Information: When you purchase a service, payment is processed by our payment processor (Stripe). We do not store full credit card information on our servers.

1.2 Information Collected Automatically

When you visit our website, we automatically collect:

Technical Information: IP address, browser type, device type, operating system, referring URL

Usage Information: Pages visited, time spent on pages, links clicked, search queries

Cookies and Similar Technologies: See our Cookie Policy for details

1.3 Information from Third Parties

We may receive information about you from:

Credit Bureaus: Equifax, Experian, TransUnion (with your authorization, to obtain your credit reports)

Advertising Platforms: Meta (Facebook/Instagram), Google, and other advertising platforms when you click on our ads or complete a lead form

Marketing Partners: Lead generation partners who refer prospective clients to us with their consent

Service Providers: Our CRM (GoHighLevel), credit repair software, email marketing platform, analytics providers, and other vendors

2. HOW WE USE YOUR INFORMATION

We use your information to:

Deliver Services: Analyze your credit reports, prepare dispute letters, communicate with credit bureaus and furnishers on your behalf (where authorized), and provide credit education

Verify Your Identity: Confirm you are the person whose credit is being reviewed, as required by law

Communicate with You: Send service updates, dispute results, follow-up messages, appointment reminders, and customer support responses

Marketing (With Consent): Send promotional emails and SMS messages about our services, with your consent (see Section 4 for SMS specifics)

Improve Our Services: Analyze how visitors use our website, measure ad performance, and refine our offerings

Comply With Legal Obligations: Respond to legal requests, enforce our Terms of Service, prevent fraud, and protect our rights

Business Operations: Process payments, manage customer relationships, conduct internal reporting

We do not use your information for automated decision-making or profiling that produces legal or similarly significant effects without your consent.

3. HOW WE SHARE YOUR INFORMATION

We share your information only as described below. We do not sell your personal information.

3.1 Credit Bureaus and Furnishers

With your written authorization, we share information with credit bureaus (Equifax, Experian, TransUnion) and the original creditors or furnishers of information on your credit reports — but only as necessary to dispute inaccurate items under the Fair Credit Reporting Act.

3.2 Service Providers

We share information with third-party service providers who help us operate our business:

Payment Processing: Stripe

CRM and Communication: GoHighLevel

Email and Marketing: Email service providers, SMS service providers

Credit Repair Software: Software platforms used to manage disputes and track progress

Analytics: Google Analytics, Meta Pixel

Cloud Storage and Software: Document storage providers and business software vendors

These providers are contractually obligated to use your information only to provide services to us.

3.3 Legal Requirements

We may disclose information when required by law, court order, subpoena, or to:

Protect our legal rights or comply with regulatory obligations

Investigate or prevent fraud or other illegal activity

Protect the safety of our users, employees, or the public

3.4 Business Transfers

If Transform My Score or Hermox Document Solutions LLC is acquired, merged, or sells substantially all of its assets, your information may be transferred to the successor entity.

3.5 With Your Consent

We may share information with other parties when you explicitly consent.

4. SMS / TEXT MESSAGE COMMUNICATIONS (TCPA COMPLIANCE)

4.1 Consent Requirement

We will not send you marketing SMS messages unless you have provided express written consent (as required by the Telephone Consumer Protection Act, 47 U.S.C. § 227, and applicable FCC regulations).

4.2 How Consent Is Obtained

By submitting your phone number to Transform My Score through:

A Facebook/Instagram lead form

Our website contact form

A scheduled consultation booking

A verbal "yes" to our chat widget's SMS consent prompt

...and by checking a clearly-labeled consent box or affirmatively confirming consent, you agree to receive SMS messages from Transform My Score about your consultation, our services, and related communications.

4.3 What Messages You May Receive

Free consultation appointment confirmations and reminders

Service update notifications

Follow-up messages if you don't complete a consultation booking

Promotional offers and service updates (with consent)

Customer support responses

4.4 Message Frequency

Message frequency varies based on your interactions with us. Typical volume is 1-5 messages per month.

4.5 Carrier Charges

Message and data rates may apply based on your mobile carrier plan. Transform My Score is not responsible for carrier charges.

4.6 Opting Out

You can opt out of SMS messages at any time by:

Replying STOP to any SMS message

Replying UNSUBSCRIBE, CANCEL, END, or QUIT

Emailing [email protected] with "SMS OPT-OUT" in the subject line

After opting out, you will receive one confirmation message and no further marketing SMS. Transactional messages (related to active services you've purchased) may continue.

4.7 Getting Help

Reply HELP to any SMS message for assistance, or email [email protected].

4.8 No Third-Party SMS

We do not share, sell, or rent your phone number to third parties for their marketing purposes. Your number is used only by Transform My Score and Hermox Document Solutions LLC and our direct service providers (like our SMS platform) to deliver the messages you've consented to receive.

5. EMAIL COMMUNICATIONS

By providing your email address, you consent to receive transactional emails (service updates, dispute results, appointment confirmations) and, if you opt in, marketing emails. You can unsubscribe from marketing emails at any time using the unsubscribe link in any marketing email or by emailing [email protected].

6. COOKIES AND TRACKING TECHNOLOGIES

We use cookies, pixels, and similar technologies to operate our website, analyze traffic, and improve our services. See our Cookie Policy for full details. You can control cookies through your browser settings.

7. DATA SECURITY

We use reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access, use, or disclosure. Because we handle sensitive financial and identification information, we apply additional protections including:

Encryption of sensitive data in transit and at rest

Restricted access to personal information on a need-to-know basis

Secure document storage systems

Employee training on consumer data protection

However, no method of transmission or storage is 100% secure. We cannot guarantee absolute security.

8. DATA RETENTION

We retain your information for as long as necessary to:

Deliver services you've purchased

Comply with legal obligations (typically 7 years for transaction records and credit dispute records)

Resolve disputes and enforce our agreements

Maintain business records

After this period, we will delete or anonymize your information unless retention is required by law.

9. YOUR PRIVACY RIGHTS

9.1 All Users

You may at any time:

Access: Request a copy of the personal information we hold about you

Correct: Request correction of inaccurate information

Delete: Request deletion of your information (subject to legal retention requirements)

Opt Out: Opt out of marketing communications

Restrict Processing: Request that we limit how we use your information

To exercise these rights, email [email protected]. We will respond within 30 days.

9.2 California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including:

The right to know what personal information we collect, use, disclose, and sell

The right to delete personal information (subject to exceptions)

The right to correct inaccurate personal information

The right to opt out of the sale or sharing of personal information (we do not sell your information)

The right to limit the use of sensitive personal information

The right to non-discrimination for exercising your rights

To exercise these rights, email [email protected] with "California Privacy Request" in the subject line.

9.3 European Economic Area / United Kingdom Residents (GDPR)

If you are in the EEA or UK, you have rights under the General Data Protection Regulation (GDPR), including the rights listed in Section 9.1 plus:

The right to data portability

The right to object to processing

The right to withdraw consent at any time

Transform My Score primarily serves U.S.-based consumers. If you are in the EEA/UK and we collect your information, our legal basis for processing is your consent or our legitimate interest in delivering the services you've requested.

To exercise these rights, email [email protected].

10. CHILDREN'S PRIVACY

Transform My Score services are intended for consumers aged 18 and older. We do not knowingly collect information from children under 13. If we learn we have collected information from a child under 13, we will delete it promptly.

11. INTERNATIONAL DATA TRANSFERS

Transform My Score is operated from the United States. If you access our services from outside the U.S., your information will be transferred to and processed in the U.S. By using our services, you consent to this transfer.

12. THIRD-PARTY LINKS

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites. Please review their privacy policies before sharing information.

13. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time. When we do, we will update the "Last Updated" date at the top and, for material changes, notify you by email or prominent notice on our website. Your continued use of Transform My Score after changes are posted constitutes your acceptance of the updated policy.

14. CONTACT US

If you have questions or concerns about this Privacy Policy or your information, contact us:

Hermox Document Solutions LLC d/b/a Transform My Score 700 W Big Beaver Ste 330 Troy, MI 48084 Email: [email protected] Phone: 586-787-2909

Transform My Score is a credit repair service. We help consumers exercise their rights under the Fair Credit Reporting Act (FCRA) and other consumer protection laws. We are not a law firm and do not provide legal advice. Results vary by individual circumstances.