Privacy Policy

1. Introduction

MV Tech & Management Solutions LLC ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our credit repair services or visit our website at scorelatinoyes.com.

We comply with the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA), the Credit Repair Organizations Act (CROA), and all applicable federal and state privacy laws.

2. Information We Collect

Personal Identification Information:

• Full legal name, date of birth
• Social Security Number (SSN) — stored encrypted at rest using AES-256-GCM
• Current and previous addresses
• Phone number and email address

Financial Information:

• Credit report data (accounts, balances, payment history, inquiries)
• Dispute history and bureau correspondence

Technical Information:

• IP address (logged when accessing sensitive data for compliance)
• Browser type and device information (for portal sessions)

3. How We Use Your Information

We use your personal information solely to:

• Provide credit repair services as agreed in your service contract
• Prepare and submit dispute letters to credit bureaus on your behalf
• Track the progress of your disputes
• Communicate with you about your account and case progress
• Comply with legal obligations under FCRA, CROA, and other applicable laws
• Maintain audit logs as required for regulatory compliance

We do NOT use your information for marketing, advertising, or any purpose unrelated to your credit repair services.

4. Information Sharing

We do not sell, trade, or rent your personal information. We share your information only:

• With credit bureaus (Experian, Equifax, TransUnion) — to submit disputes on your behalf
• With original creditors — when necessary to dispute accounts
• As required by law — in response to valid legal process, court orders, or government requests
• With your explicit written consent — for any other purpose

5. Data Security

We implement industry-standard security measures to protect your information:

• Encryption at rest: SSNs and sensitive data are encrypted using AES-256-GCM
• Encryption in transit: All data transmitted via TLS 1.3
• Access control: Password hashing with PBKDF2-SHA256 (100,000 iterations)
• Access logging: All access to SSNs and sensitive data is logged with timestamp and IP address
• Infrastructure: Hosted on Cloudflare's global network with enterprise-grade security
• Backups: Daily encrypted backups retained for 30 days

6. Data Retention

We retain your personal information for the duration of your service contract and for a period thereafter as required by law:

• Active clients: Data retained for the duration of services plus 7 years (FCRA reporting period)
• Dispute records: Retained for 5 years after dispute resolution
• Access logs: Retained for 2 years
• Upon termination: You may request deletion of your data after the required retention period

7. Your Rights

You have the right to:

• Access: Request a copy of all personal information we hold about you
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your data (subject to legal retention requirements)
• Portability: Receive your data in a structured, machine-readable format
• Opt-out: Withdraw consent for processing at any time (which may result in termination of services)

To exercise these rights, contact us at info@scorelatinoyes.com. We will respond within 30 days.

8. Cookies and Tracking

Our website uses minimal cookies necessary for functionality (session management). We do not use third-party tracking cookies, advertising cookies, or analytics that share your data with third parties.

9. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors.

10. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes by email or by posting a notice on our website. Continued use of our services after changes constitutes acceptance of the updated policy.

11. Contact Us

For privacy-related inquiries or to exercise your rights: