Privacy Policy

1. Who we are

W3RL corporation (“we,” “us,” or “our”), located in New York, United States, operates CreditBot AI, a U.S. credit-repair operations service. The public site is https://creditbot.w3rlcorporation.com.

Questions about this policy: w3rlcorporation@gmail.com.

2. Scope

This policy describes how we collect, use, share, and retain information when you visit https://creditbot.w3rlcorporation.com, text the CreditBot AI number, authorize a credit-report pull, or use a secure report link. It applies to clients and to operators who use the admin tools.

3. Information we collect

Depending on how you use the service, we may collect:

• Identity and contact data: name, mobile number, email, preferred language (English or Spanish).
• Identity documents: photos of a government ID and Social Security card, used to open a case. We prefer to store only the last four digits of the SSN in structured fields.
• Credit-report data: reports we pull or that an operator uploads, scores, negative items, dispute letters, and bureau correspondence.
• Authorization and messaging data: your YES, AUTHORIZE (or SÍ, AUTORIZO) reply, timestamps, message content, opt-out (STOP) requests, and delivery metadata from our messaging provider (Twilio).
• Case and payment references: service-fee status (the customer fee is paid to the operator outside this site), operator billing tokens via Stripe (we do not store raw card numbers on this site).
• Technical data: standard web logs (IP address, browser, pages viewed) when you open the site or a secure report link.

4. How we use information

We use this information to operate CreditBot AI, including to:

• Confirm you authorized a credit-report pull and dispute work on your behalf.
• Obtain, analyze, and store your credit report; identify negative items; draft and track disputes with the consumer reporting agencies.
• Send transactional SMS (or WhatsApp, if that channel is configured) about authorization, case progress, scores, and a secure report link.
• Let an authorized operator manage your case in the admin dashboard and keep an audit log of sensitive actions.
• Secure the service, prevent abuse, and comply with law (including FCRA-related recordkeeping and carrier/TCPA rules).

5. Credit-report authorization and disputes

When you reply YES, AUTHORIZE, you instruct us and the operator to obtain your consumer report and to manage disputes of items on that report. We use the report, ID/SSN documents, and related case data only for that purpose and for the communications described here — not to sell your file to unrelated marketers.

Credit-report contents and identity documents are treated as high-sensitivity personal information. Access is limited to operators and systems needed to run the case.

6. How we share information

We share information only as needed to run the service:

• Operators and administrators acting for W3RL / CreditBot AI on your case.
• Consumer reporting agencies and creditors when disputes are filed.
• Service providers under contract: hosting, Twilio (SMS/WhatsApp), Stripe (operator payment methods), document storage, OCR, and AI drafting tools used to analyze reports and draft letters.
• Legal, security, or regulatory recipients when required by law or to protect rights and safety.

7. Retention

We keep case, consent, dispute, and audit records for as long as needed to finish the case, handle follow-up, and meet legal or carrier recordkeeping needs. Identity-document images should be kept no longer than necessary after verification; you may request deletion as described below.

Secure report links expire (typically 30 days) and can be revoked by an operator.

8. Your choices and rights

SMS: reply STOP to opt out of texts; reply HELP for help. Opting out of marketing or update texts does not automatically delete your case file.

Access and deletion: email w3rlcorporation@gmail.com to request a copy of the personal information we hold, to correct it, or to ask us to delete it, subject to records we must keep (for example, proof of authorization or dispute correspondence).

If you are a California resident, you may also have rights to know, delete, and correct personal information and to opt out of certain sharing. We do not sell personal information for money. Email the same address to exercise these rights. We will not discriminate against you for doing so.

9. Security

We use HTTPS, access controls, and an audit log for sensitive admin actions. No method of transmission or storage is completely secure. Do not send full SSN digits by unsecured email if you can avoid it — use the case process the operator gives you.

10. Children

CreditBot AI is for adults who can authorize a U.S. credit-report pull. We do not knowingly collect personal information from children under 13 (or under 16 where a higher age applies).

11. Changes

We may update this policy. The “Last updated” date at the top will change. The current version will be posted at https://creditbot.w3rlcorporation.com/privacy.

12. Contact

W3RL corporation · CreditBot AI · New York, United States

Email: w3rlcorporation@gmail.com

Website: https://creditbot.w3rlcorporation.com

SMS program: +18457124964 (HELP / STOP)