BLUEPRINT FORWARD

PRIVACY POLICY

Privacy Policy

Effective Date: January 1, 2026

Last Updated: January 1, 2026

Blueprint Forward Consulting, LLC ("Blueprint Forward," "we," "us," or "our") respects your privacy and is committed to protecting your personal and financial information. This Privacy Policy explains how we collect, use, share, and safeguard your information when you visit our website at blueprintfc.com or use our credit repair, business funding, and consulting services.

By using our website or services, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We collect information to provide you with credit repair, identity theft recovery, business funding consulting, and related services. The types of information we may collect include:

A. Personal Identifying Information

When you use our services, we may collect:

Full legal name
Current and previous addresses
Phone number(s)
Email address
Date of birth
Social Security Number (when required for credit services)
Driver's license or state ID number
Employment information

B. Financial and Credit Information

With your written authorization, we may collect:

Credit reports from consumer reporting agencies (Experian, Equifax, TransUnion)
Account information you voluntarily provide
Credit card and bank account details (when necessary for payments)
Business financial information (for business credit services)
Tax identification numbers (EIN for business services)

C. Identity Theft Documentation

For identity theft recovery services, we may collect:

FTC Identity Theft Reports
Police reports
Fraudulent account information
Documentation supporting fraud claims

D. Automatically Collected Information

When you visit our website, we automatically collect:

IP address
Browser type and version
Device information
Pages visited and time spent
Referring website
Geographic location (city/state level)

E. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

Remember your preferences
Improve website functionality
Analyze site traffic and usage patterns
Enhance security

You may disable cookies through your browser settings, though this may limit website functionality.

2. How We Use Your Information

We use your information solely for legitimate business purposes, including:

Credit Repair and Dispute Services

Analyzing your credit reports
Preparing dispute letters
Communicating with credit bureaus, creditors, and collection agencies
Tracking dispute progress
Providing ongoing credit monitoring and consultation

Identity Theft Recovery

Filing FTC Identity Theft Reports on your behalf
Preparing §605B blocking requests
Communicating with credit bureaus and creditors
Documenting fraud claims

Business Credit and Funding Services

Evaluating business creditworthiness
Preparing SBA loan applications
Building business credit profiles
Consulting on funding strategies

Communication and Support

Responding to your inquiries
Sending service updates
Providing customer support
Sending appointment reminders

Legal and Regulatory Compliance

Complying with FCRA, CROA, and other applicable laws
Responding to legal requests and court orders
Preventing fraud and protecting our business

3. How We Share Your Information

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

We may share your information only in the following circumstances:

A. With Your Written Authorization

We share information with:

Credit bureaus (Experian, Equifax, TransUnion) when submitting disputes on your behalf
Creditors and collection agencies when communicating about your accounts
Lenders and financial institutions when assisting with funding applications (business services only)

We obtain your written consent before sharing information with these entities.

B. Service Providers

We may share information with trusted service providers who assist us in operating our business, including:

Payment processors (for billing)
Cloud storage providers (for secure data storage)
Customer relationship management (CRM) platforms
Email and SMS communication platforms

These providers are contractually obligated to protect your information and may only use it to provide services to us.

C. Legal Requirements

We may disclose information when required by law, including:

In response to a court order, subpoena, or legal process
To comply with federal or state regulatory investigations
To protect our legal rights or defend against legal claims
To prevent fraud or illegal activity

D. Business Transfers

If Blueprint Forward is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you before your information is transferred and becomes subject to a different privacy policy.

4. Data Security Measures

We maintain administrative, technical, and physical safeguards designed to protect your information, including:

Administrative Safeguards

Limited employee access to personal information
Background checks for employees handling sensitive data
Regular staff training on data protection
Written information security policies

Technical Safeguards

Encryption of sensitive data (including credit reports and SSNs)
Secure SSL/TLS connections for website communications
Password-protected systems and databases
Regular security audits and vulnerability assessments
Multi-factor authentication for system access

Physical Safeguards

Secure document storage with restricted access
Locked file cabinets for physical documents
Secure disposal of documents (shredding)
Controlled facility access

Important: Despite our best efforts, no system is 100% secure. We cannot guarantee absolute security but commit to:

Promptly investigating any suspected data breach
Notifying affected individuals as required by law
Taking immediate steps to mitigate harm
Implementing additional security measures when necessary

5. Identity Theft and Fraud Safeguards

For identity theft recovery services:

All fraud claims must be truthful and verifiable
Supporting documentation (FTC reports, police reports) may be required
False or misleading fraud claims are prohibited by federal and state la
We reserve the right to suspend services if fraud is suspecte

We do not fabricate or falsify identity theft claims under any circumstances.

6. Your Rights Under Federal Law

Under the Fair Credit Reporting Act (FCRA) and other federal laws, you have the right to:

Access Your Information

Request a copy of the personal information we hold about you
Review your credit reports directly from the bureaus

Correct Inaccurate Information

Request corrections to inaccurate information in our records
Dispute inaccurate information on your credit reports (with or without our assistance)

Limit Use of Information

Withdraw consent for certain uses of your information (subject to service limitations)
Opt out of marketing communications

File Complaints

File complaints with the Federal Trade Commission (FTC) at ftc.gov
File complaints with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov
Contact your state Attorney General's office

Know Your Credit Rights

You have the right to:

Dispute credit report errors yourself at no cost by contacting credit bureaus directly
Obtain a free credit report every 12 months from each bureau at annualcreditreport.com
Add a consumer statement to your credit file
Know who has accessed your credit report

You are not required to hire a credit repair company to exercise these rights.

7. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected information from a minor, we will delete it immediately.

8. California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA):

Right to Know: Request details about the personal information we collect, use, and share
Right to Delete: Request deletion of your personal information (subject to legal exceptions)
Right to Opt-Out: Opt out of the sale of personal information (note: we do not sell personal information)
Right to Non-Discrimination: Exercise your privacy rights without discriminatory treatment