Legal
Privacy Policy
Last updated: June 2026
1. Overview
NextUP Enterprise ("we," "us," or "our") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit nextupenterprise.com or use our credit repair services.
By using our website or services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our services.
2. Information We Collect
We may collect the following types of information:
- Personal Identification: Name, email address, phone number, and mailing address provided when you contact us or enroll in services.
- Credit Information: Credit report data and bureau information you share with us for the purpose of credit repair services.
- Payment Information: Billing details processed securely through Stripe. We do not store card numbers on our servers.
- Usage Data: Pages visited, time spent on site, browser type, and IP address collected automatically via cookies and analytics tools.
- Communications: Emails, messages, or form submissions you send us.
3. How We Use Your Information
We use the information we collect to:
- Provide, operate, and improve our credit repair services
- Communicate with you about your account, disputes, and progress
- Process payments and send invoices
- Send service-related emails and updates (not promotional spam)
- Comply with legal obligations under the FCRA, CROA, and applicable law
- Analyze website usage to improve user experience
- Serve relevant ads via Meta (Facebook/Instagram) Pixel tracking
4. Meta Pixel & Advertising
We use the Meta Pixel on our website to measure ad performance and show relevant ads on Facebook and Instagram. The Meta Pixel may collect information about your activity on our site, including pages visited and actions taken.
You can opt out of Meta's use of your data for advertising at facebook.com/ads/preferences.
5. How We Share Your Information
We do not sell your personal information. We may share your information with:
- Service Providers: Third-party tools like Stripe (payments), Formspree (contact forms), Calendly (scheduling), and SmartCredit (credit monitoring) that help us operate our services.
- Credit Bureaus: Equifax, Experian, and TransUnion for the purpose of submitting disputes on your behalf.
- Legal Requirements: If required by law, court order, or government authority.
6. Credit Repair Organizations Act (CROA)
As a credit repair organization, we operate in compliance with the Credit Repair Organizations Act (15 U.S.C. §1679 et seq.). Under CROA:
- You have the right to cancel any contract with us within 3 business days without penalty
- We cannot make false or misleading claims about our services
- We do not charge upfront fees before services are rendered
- You have the right to dispute inaccurate information in your credit report yourself at no cost
7. Data Security
We implement industry-standard security measures to protect your information, including SSL encryption, secure payment processing via Stripe, and limited access to personal data. However, no method of transmission over the internet is 100% secure.
8. Your Rights
You have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate data
- Request deletion of your data (subject to legal retention requirements)
- Opt out of marketing communications at any time
- File a complaint with the Consumer Financial Protection Bureau (CFPB)
9. Cookies
We use cookies and similar tracking technologies to analyze site traffic and improve your experience. You can control cookie settings in your browser. Note that disabling cookies may affect site functionality.
10. 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 you believe a minor has provided us with personal information, please contact us immediately.
11. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new policy on this page with an updated date. Your continued use of our services after changes constitutes acceptance.
12. Contact Us
If you have questions about this Privacy Policy or how we handle your data: