Credit & Income

Privacy Policy

Credit & Income
By CJ Silvas, CPA
Effective date: October 10, 2026

Credit & Income ("we," "us," or "our") respects your privacy. This policy explains what we collect, how we use it, and the choices you have.

We do not sell your personal information, and we do not share it with third parties for their own marketing.

1. Information We Collect

Information you give us:

  • Name, email address, phone number, and state
  • Answers you choose to share in our forms, such as your credit goals
  • Payment information when you make a purchase (handled by our payment processor; we do not store full card numbers)
  • Opt-in records and timestamps for every way we contact you (SMS, email)

Information collected automatically:

  • IP address, browser type, and device information
  • Pages visited and how you found our site, including ad and link tracking
  • Cookies and similar technologies

We do not pull your credit report. If you choose to share details from your credit report with us, we use them only to help you with your request.

2. How We Use Your Information

  • To send you the free resources and courses you request
  • To respond to your questions and requests
  • To send updates, reminders, and offers you agreed to receive
  • To process purchases
  • To improve our website and measure our advertising
  • To keep records of your communication preferences and consent
  • To protect against fraud and keep our site secure

3. SMS Messaging

By opting in to text messages, you agree to receive messages from Credit & Income about your request, including resource delivery, reminders, customer support, and offers related to our credit and income education.

Consent:

  • You will only receive text messages if you have opted in.
  • Consent to receive text messages is not a condition of any purchase.
  • We keep timestamped records of every opt-in.

Opting out:

  • Reply STOP at any time to stop text messages. You will receive one final confirmation, and no further texts will be sent unless you opt in again.
  • Reply HELP for help, or email [email protected].

Frequency and rates:

  • Message frequency varies.
  • Message and data rates may apply.
  • Carriers are not liable for delayed or undelivered messages.

SMS Data Protection Statement

No mobile information will be shared with third parties/affiliates for marketing/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.

4. When We Share Information

We share information only in these limited cases:

Service providers that help us run Credit & Income, such as our website host, email and text message providers, our customer relationship software, and our payment processor. They may use your information only to provide services to us and must keep it confidential.

Legal requirements. If required by law, a court order, or a valid law enforcement request, or to protect our rights.

Business transfer. If Credit & Income is sold or merged, your information stays protected under this policy.

5. Data Security

We use reasonable safeguards to protect your information, including encryption in transit, access controls, and secure backups. No method of transmission over the internet is 100% secure, so we cannot guarantee absolute security.

6. Cookies and Tracking

We use cookies and similar tools to understand site traffic, remember your preferences, and measure our ads. You can control cookies in your browser settings. Turning them off may limit some features.

7. Your Choices and Rights

You can:

  • Ask to see, correct, or delete your personal information
  • Unsubscribe from emails using the link in any email
  • Stop text messages by replying STOP
  • Withdraw your consent for future messages at any time

To make a request, contact us using the details in Section 10.

8. Children

Our services are for adults 18 and older. We do not knowingly collect information from anyone under 18.

9. Changes to This Policy

We may update this policy from time to time. The latest version, with its effective date, will always be on this page.

10. Contact Us

Credit & Income
CJ Silvas, CPA
Email: [email protected]
Phone: (409) 515-7774
Mailing address: 1907 Silver Point Ct, Friendswood, TX 77546
Website: https://creditandincome.com

By using our website and services, you agree to this Privacy Policy.