PRIVACY POLICY

We respect your privacy: Any and all information collected at this site and/or given to Blackdiamond Consultants LLC. - Luxury Consultants LLC. - Grow Credit LLC. and its agents and/or affiliates will be kept strictly confidential and will not be sold, reused, rented, loaned, or otherwise disclosed to anyone or anywhere.

Respecting our privacy: Blackdiamond Consultants LLC. - Luxury Consultants LLC. - Grow Credit LLC. reserves the right to confidential information such as business practices and trade secrets from whomever it sees fit (prospects, leads, clients, affiliates, or any other outside party), acquiring its services does not void this confidentiality. A trade secret is generally regarded as: (1) information used in a company's business that is not known or available to the public, (2) information that provides the company with an economic advantage over its competitors in the marketplace, and (3) information that the company actively protects from disclosure through reasonable efforts to maintain its status as a “secret.” Furthermore Blackdiamond Consultants LLC. - Luxury Consultants LLC. - Grow Credit LLC. reserves the right to keep confidential its proprietary databases; business processes and methods (including but not limited to physical and online correspondence, Affidavits, etc); information pertaining to overhead, costs, pricing and margins; proprietary computer software programs, and strategic plans and marketing programs. Further intellectual property may be added as needed.

We are PCI Compliant: The Payment Card Industry Data Security Standard (PCI DSS) is a proprietary information security standard for organizations that handle branded credit cards from the major card schemes including Visa, MasterCard, American Express, Discover, and JCB. The PCI Standard is mandated by the card brands and administered by the Payment Card Industry Security Standards Council. The standard was created to increase controls around cardholder data to reduce credit card fraud. Validation of compliance is performed annually, either by an external Qualified Security Assessor (QSA) or by a firm specific Internal Security Assessor (ISA) that creates a Report on Compliance (ROC) for organizations handling large volumes of transactions, or by Self-Assessment Questionnaire (SAQ) for companies handling smaller volumes. Blackdiamond Consultants LLC. - Luxury Consultants LLC. - Grow Credit LLC. is PCI compliant meaning all and any financial information is kept secure through the high standards of PCI compliance.

Resale or disclosure of information to third parties: Blackdiamond Consultants LLC. - Luxury Consultants LLC. - Grow Credit LLC. . does not sell, rent, loan, trade, or lease any personal information collected at our site or through our agents including membership forms or email lists.

Browser information collected on the website: Our website logs are not personally identifiable, and we make no attempt to link them with the individuals that actually browse the site.

Notice: By requesting our services, you agree to receive correspondence from us. We will occasionally send you information about updates to your e-mail address. You may remove yourself from these mailings at any time, by letting us know if you would rather be notified via U.S. Mail or via telephone. Due to privacy reasons and security concern, the 3 national credit bureaus will only be mailing correspondence to the address they have on file, even if it is outdated. The address may be updated per consumer request through mailed correspondence along with personal identification documents and signature of such consumer.

Credit Repair Organization Act: Requires any consumer who enters into any contract with any credit repair organization to be given (1) a copy of the completed contract and the disclosure statement required under section 405 and (2) a copy of any other documents the credit repair organization requires the consumer to sign, at the time the contract or the other document is signed. Client receives a copy of his/her signed contract via e-mail.

Disclaimer: Implied or expressed guarantees do not apply; Blackdiamond Consultants LLC. - Luxury Consultants LLC. - Grow Credit LLC. . will honor this guarantee only: While Blackdiamond Consultants LLC. - Luxury Consultants LLC. - Grow Credit LLC. cannot guarantee a complete restoration of your credit; we do guarantee and state that we will remove at least one negative item or inquiry off your report. If we fail to do so, we will give you a full refund for monies paid. Please note: if documentation requested from you, by us for the credit repair process, is not forwarded to our office or there are any addition of new derogatory accounts (including but not limited to new collections, lates, public records, inquiries, etc.) the refund policy will be voided. Client agrees to pay bills on time; not paying bills on time will result in new derogatory items, voiding the refund policy. In addition Client agrees to forward all correspondence Blackdiamond Consultants LLC. - Luxury Consultants LLC. - Grow Credit LLC. requests within 14 days of receipt. Failure to do so will result in the voiding of the refund policy.

It is further understood that you will not open any new accounts or apply for credit until this process is complete, for this will affect your scores and avoid the refund policy.

Consumer Credit File Rights Under State and Federal Law: You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ''credit repair'' company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 5 days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580

Cancellation Notice: Any consumer may cancel any contract with any credit repair organization without penalty or obligation by notifying the credit repair organization of the consumer's intention to do so at any time before midnight of the 5th business day which begins after the date on which the contract or agreement between the consumer and the credit repair organization is executed or would, but for this subsection, become enforceable against the parties. You may cancel this contract, without any penalty or obligation, at any time before midnight of the 5th day which begins after the date the contract is signed by you. To cancel this contract, mail or deliver a signed, dated written notice to Blackdiamond Consultants LLC - Luxury Consultants LLC. - Grow Credit LLC. before midnight on the 5th business day.

Severability: If any provision of this Agreement shall be held to be invalid or unenforceable for any reason, the remaining provisions shall continue to be valid and enforceable. If a court finds that any of this Agreement is invalid or unenforceable, but that by limiting such provision it would become valid or enforceable, then such provision shall be deemed to be written, construed, and enforced as so limited. Terms and conditions may be updated without prior notice.

Blackdiamond Consultants LLC. - Luxury Consultants LLC. - Grow Credit LLC. . Refund Policy and Guarantee: Blackdiamond Consultants LLC. - Luxury Consultants LLC. - Grow Credit LLC. . and its agents and/or affiliates strive to exceed the expectations of all of our clients. To honor this goal and back our promise to you, we offer a FULL REFUND POLICY. Your account is considered processed after we have completed the initial consultation and requested all three credit bureau files, received your initial payment and all your signed paperwork. If you do not see at least one negative item and/or inquiry removed off your report at the end of your first 120 days we will refund 100% of any collected monies. All refunds are subject to a two-week review during which time we may require you to send in any new credit reports and any and all correspondence you have received from the credit bureaus.