Privacy Policy

This Privacy Policy explains how Blackwell Harbor, Inc. (“Blackwell Harbor,” “we,” “us,” “our”) and its owned brands including but not limited to Credit Repair Mastery, CareerSaver.ai, and any additional current or future products (collectively, the “Services”) — collect, use, share, and protect your information.

By using our websites (including www.blackwellharbor.com) or any of our Services, you agree to the practices described in this Privacy Policy.

1. Information We Collect

1.1 Information You Provide Directly

We may collect:

• Name
• Email address
• Phone number (mobile and/or landline)
• Mailing address
• Payment information (processed through PCI-compliant gateways; we do not store full card numbers)
• Account login credentials
• Résumés, documents, or uploaded files
• Credit-related information you voluntarily provide
• Job history or employment information (CareerSaver.ai)
• Form entries, survey responses, and applications

1.2 Information Collected Automatically

When you access our sites or Services, we may automatically collect:

• Device information
• IP address
• Browser and OS type
• Cookies, tracking pixels, tags
• Session behavior, clicks, time on site
• Location data inferred from IP
• Log files

1.3 Information from Third Parties

We may receive information from:

• Marketing partners
• Lenders and credit partners
• Lead providers
• Analytics platforms
• Payment processors
• Advertising networks

2. How We Use Your Information

We use your information to:

• Provide and deliver our Services
• Process payments and manage subscriptions
• Send SMS messages, emails, updates, and offers
• Deliver credit repair education and career development content
• Match you with lenders, partners, or financial service providers (when applicable)
• Improve website performance and user experience
• Comply with legal and regulatory obligations

3. Communications & Consent (TCPA + CAN-SPAM)

By providing your contact information, you may consent to communications through:

• SMS/text messages
• Email
• Autodialed calls
• Prerecorded/artificial voice messages

as described in our opt-in disclosures.

3.1 SMS / TCPA Compliance

By providing your mobile number, you may receive:

• Recurring automated promotional text messages
• Carrier message & data rates may apply
• Frequency varies
• Consent is not required as a condition of purchase
• Opt out by replying STOP

3.2 Email Compliance (CAN-SPAM)

By providing your email, you consent to:

• Marketing emails
• Promotions
• Newsletters
• Partner offers

You may unsubscribe at any time via the link in any email.

3.3 Call/Voice Message Consent

You consent to receive:

• Autodialed calls
• AI-generated or prerecorded voice messages

You may revoke consent at any time.

3.4 Information Sharing & Partner Communication

By submitting your information, you authorize Blackwell Harbor to share your data with:

• Lenders
• Brokers
• Credit service partners
• Insurance companies
• Marketing affiliates
• Educational or employment partners

These partners may contact you using automated technology.

4. How We Share Information

We may share information with:

• Service providers
• Payment processors
• Lenders & financial partners
• Lead generation partners
• Analytics and marketing partners
• Legal authorities when required
• Successors in the case of merger, sale, or acquisition

We do not sell your personal information for money; however, data sharing for advertising/lead generation may be considered a “sale” under certain privacy laws (CCPA/CPRA).

5. Your Privacy Rights

Depending on your jurisdiction, you may have rights to:

• Access your data
• Correct your data
• Delete your data
• Opt out of data sharing
• Request a copy (data portability)
• Revoke marketing consent

To exercise these rights, contact us at privacy@blackwellharbor.com.

6. Data Security

We use commercially reasonable administrative, technical, and physical safeguards to protect your data. However, no system is completely secure.

7. Children’s Privacy

Our Services are intended for adults 18+ only. We do not knowingly collect information from children under 18.

8. International Transfer

If you access our Services from outside the United States, you consent to your information being transferred to and processed in the U.S.

9. Policy Updates

We may update this Privacy Policy at any time. Continued use of our Services constitutes acceptance.

Contact Information