1. Privacy Policy
Effective Date: August 15, 2026
Last Updated: August 15, 2026
American Credit Assurance, LLC (“Company,” “CreditSmart,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal and business information you share with us. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website at https://creditsmart.acabos.net, complete our Prequalification Profile Form, or use our services and CreditSmart Back Office software platform.
Please read this Privacy Policy carefully. By accessing or using our Website or Services, you agree to the practices described in this policy.
1. Information We Collect
We collect information directly from you, automatically when you use our website, and from third-party sources.
A. Information You Provide to Us
Contact Information: Name, email address, phone number, physical address, and business title.
Business & Financial Profile Information: Legal business name, industry type, annual revenue, years in business, accounts receivable details, credit line requirements, web/technology needs, and financial tools required.
Application & Prequalification Data: Information submitted via our Prequalification Profile Form or membership application for the CreditSmart Private Business Owners Group or CCRMP Scholarship program.
Communications: Content of messages, feedback, questions, or support requests submitted via email, phone, or forms.
B. Information Collected Automatically
Log & Device Data: IP address, browser type, operating system, referring URLs, device identifiers, and pages viewed.
Cookies and Tracking Technologies: We may use cookies, web beacons, and analytics tools (including LeadConnector / HighLevel widgets) to enhance site performance and analyze user interactions.
2. How We Use Your Information
We use the information we collect to:
Evaluate business eligibility for A/R credit lines (up to $5,000,000), prequalification programs, and growth advisory services.
Process applications for the CreditSmart Back Office software, business credit training, and CCRMP scholarship eligibility.
Deliver customer support, manage accounts, and fulfill service requests.
Communicate with you regarding your application status, platform updates, educational opportunities, webinar broadcasts, and promotional offers.
Verify identity and conduct business credit reports or risk assessments where applicable and authorized.
Improve, test, and optimize our website, user interface, software, and marketing campaigns.
Comply with legal obligations, enforce our terms, and protect against fraud or security risks.
3. SMS / Mobile Messaging & Consent
If you opt in to receive text messages (SMS/MMS) from us through our forms or platform:
Usage: We use SMS to send application status updates, appointment reminders, webinar alerts, and promotional messages regarding CreditSmart services.
Opt-Out: You can opt out of receiving text messages at any time by replying STOP to any message. For help, reply HELP or contact [email protected].
No Sharing for Marketing: Mobile opt-in data and SMS consent will not be sold, rented, or shared with third parties or affiliates for marketing or promotional purposes.
4. How We Share Your Information
We do not sell your personal or business data to third parties. We may share your information only under the following circumstances:
Service Providers & Technology Partners: With vendor platforms that support our operations (e.g., HighLevel/LeadConnector for form submission, hosting providers, email deployment, and CRM infrastructure).
Credit Partners & Underwriters: With financial institutions, funding partners, or credit bureaus strictly for the purpose of evaluating and processing your requested accounts receivable credit line or financial tools.
Legal Requirements: If required to do so by law, court order, subpoena, or government regulation, or when we believe in good faith that disclosure is necessary to protect our rights, safety, or property.
Business Transfers: In connection with any merger, sale of company assets, financing, or acquisition of all or a portion of our business.
5. Data Security
We implement reasonable technical, administrative, and physical safeguards designed to protect your information against unauthorized access, loss, misuse, or alteration. However, no data transmission over the Internet or electronic storage system can be guaranteed to be 100% secure.
6. Your Rights and Choices
Depending on your jurisdiction, you may have rights regarding your personal information, including:
Accessing, updating, or correcting your personal information.
Requesting deletion of your personal data, subject to legal and contractual record-retention requirements.
Opting out of marketing emails by clicking the "Unsubscribe" link in any promotional message.
To exercise any of these rights, please contact us at [email protected].
7. Third-Party Links & Services
Our website and forms may contain links to third-party websites or video broadcasts (such as webinar links). We are not responsible for the privacy practices or content of third-party websites. We encourage you to review the privacy statements of any third-party site you visit.
8. Contact Us
If you have questions, comments, or concerns regarding this Privacy Policy, please contact us at:
American Credit Assurance, LLC / CreditSmart
Email: [email protected]
Phone: (888) 780-7330
Website: https://creditsmart.acabos.net