Legal
Privacy Policy
Who we are
ClearPath Lux Solutions LLC (“we”, “us”) provides credit consulting services to consumers. This policy explains what personal information we collect, how we use it, who we share it with, and the choices you have.
Information we collect
- Information you give us: your name, email address, phone number, and the goal you are working toward.
- Your credit reports: the report files you upload. These contain sensitive financial information, including account numbers, balances, payment history and, depending on the report, your Social Security number.
- Account and usage information: your password in encrypted form, the dates you sign in, and records of the documents you sign electronically, including the date, time, IP address and browser used.
How we use it
- To analyze your credit reports and explain what they contain.
- To prepare dispute letters for you to review and sign.
- To track the progress of your case and communicate with you about it.
- To meet our legal and record-keeping obligations.
Automated analysis with artificial intelligence
We want you to know exactly how your report is analyzed, because it involves a third party. When you upload a credit report, the text of that report is transmitted to an artificial intelligence provider (Anthropic, PBC) which produces the written analysis you receive. This transmission is encrypted. The provider processes the text to generate the analysis and does not use it to train its models.
The analysis is a tool, not a decision. A human reviews it before any action is taken on your file, and no dispute is ever sent without your signature.
If you prefer that your report not be processed this way, tell us before uploading and we will discuss alternatives with you.
Who else sees your information
We share your information only where it is necessary to provide the service:
- Credit bureaus, creditors and collection agencies, when a dispute or validation request you have signed is submitted on your file.
- Service providers that operate our software, hosting, storage and document delivery, under obligations of confidentiality.
- When required by law, such as a valid subpoena or court order.
We do not sell your personal information, and we do not share it for advertising.
How we protect it
Credit reports are stored in encrypted, access-controlled storage, never in a publicly accessible location. Access is limited to the people working on your case. Passwords are stored using one-way encryption and cannot be read by us.
We ask you to upload documents through your secure portal and never to send them by chat, direct message, text or email, because those channels are not encrypted end to end.
How long we keep it
We keep your records for as long as your account is active and afterwards for the period required by law for credit repair records. You may ask us to delete your information at any time and we will do so except where we are legally required to retain it.
Your choices
- Ask for a copy of the information we hold about you.
- Ask us to correct anything that is wrong.
- Ask us to delete your information, subject to our legal retention obligations.
- Withdraw your consent and close your account at any time.
To exercise any of these, write to us at milena@clearpathluxsolutions.com.
Children
Our services are for adults. We do not knowingly collect information from anyone under 18.
Changes
If we change this policy we will post the new version here and update the date above. If the change is significant we will tell you directly.
Contact
ClearPath Lux Solutions LLC
30 SW 1st Street, Apt 5104 · Miami, FL · 33130
milena@clearpathluxsolutions.com