AQ Wealth University is committed to protecting your personal information. This policy explains what data we collect, how we use it, and what rights you have.
This Privacy Policy applies to all services offered by AQ Wealth University, including our website at aqwealthuniversity.com, our client portal, and all credit education and dispute assistance services. By using our services, you consent to the data practices described in this policy.
We collect information that is necessary to provide our credit education and dispute assistance services. The types of information we may collect include:
Full legal name, date of birth, Social Security Number (for credit report access), current and previous addresses, phone number, and email address.
Credit report data from Equifax, Experian, and TransUnion, account information, payment history, and billing details necessary to process your service fees.
Records of correspondence between you and AQ Wealth University via phone, email, SMS, or through the client portal, including consultation notes and service requests.
IP address, browser type, device information, pages visited, time spent on site, and other analytics data collected automatically when you visit our website or use our portal.
Signed service agreements, authorization forms, dispute letters, bureau correspondence, and any documents submitted to or received from consumer reporting agencies on your behalf.
Records of your opt-in or opt-out status for SMS communications, appointment reminders, and marketing messages, including the date and method of consent.
To Provide Our Services — To deliver the credit education, credit report analysis, and dispute assistance services you enrolled in, including preparing and submitting dispute letters on your behalf.
To Process Payments — To charge service fees according to your enrollment plan and maintain accurate billing records.
To Communicate With You — To send service updates, case status notifications, appointment reminders, and responses to your inquiries via phone, email, or SMS.
To Maintain Your Client Portal — To create, maintain, and update your secure client portal account with service progress and documentation.
To Comply With Legal Obligations — To fulfill our legal obligations under the Fair Credit Reporting Act (FCRA), Credit Repair Organizations Act (CROA), and other applicable federal and state laws.
To Improve Our Services — To analyze usage patterns and service outcomes in order to improve the quality and effectiveness of our offerings. This analysis uses aggregated, de-identified data only.
To Prevent Fraud & Protect Security — To detect, investigate, and prevent fraudulent transactions, unauthorized access, and other illegal activity.
For Marketing Communications — With your prior consent, to send promotional information about our services or special offers. You may opt out at any time.
AQ Wealth University does not sell your personal information to third parties.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted.
We may share your information with the following categories of recipients, only as necessary to provide services or comply with legal requirements:
We share information with Equifax, Experian, and TransUnion as necessary to access your credit reports and submit dispute correspondence on your behalf, pursuant to your written authorization.
We work with third-party service providers who assist us in operating our website, client portal, payment processing, and business communications. These providers are contractually required to protect your information and are permitted to use it only as directed by AQ Wealth University.
We may disclose your information when required by law, court order, or government regulation, or when we reasonably believe disclosure is necessary to protect the rights, property, or safety of AQ Wealth University, our clients, or the public.
In the event that AQ Wealth University is involved in a merger, acquisition, or sale of assets, your personal information may be transferred to the successor entity. You will be notified of any such change.
Our website uses cookies and similar tracking technologies to improve your experience and understand how our site is used.
Essential Cookies — Required for the website to function properly. These cannot be disabled without affecting core site functionality.
Analytics Cookies — Used to understand how visitors interact with our website, which pages are most popular, and how visitors navigate through the site. We use this data in aggregate form.
Marketing & Tracking Pixels — We may use tracking pixels (including those provided by our CRM platform) to measure the effectiveness of our communications and advertising.
By providing your phone number and checking the SMS consent checkbox during enrollment or form submission, you agree to receive text messages from AQ Wealth University. These messages may include:
You may opt out of SMS communications at any time by replying STOP to any text message you receive from us. You may also contact us at support@aqwealthuniversity.com to request removal. Message and data rates may apply. Message frequency varies.
| Right | Description | Available |
|---|---|---|
| Right to Access | Request a copy of the personal information we hold about you. | ✓ Yes |
| Right to Correction | Request correction of inaccurate or incomplete personal information. | ✓ Yes |
| Right to Deletion | Request deletion of your personal information, subject to legal retention requirements. | ✓ Yes |
| Right to Opt Out of Marketing | Opt out of receiving marketing communications from AQ Wealth University at any time. | ✓ Yes |
| Right to Data Portability | Request a copy of your data in a portable, machine-readable format where technically feasible. | ✓ Yes |
| Right to Restrict Processing | Request that we limit how we process your personal information in certain circumstances. | ✓ Yes |
| Right to Non-Discrimination | You will not receive different service quality or pricing for exercising your privacy rights. | ✓ Yes |
AQ Wealth University takes the security of your personal information seriously. We implement reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, disclosure, alteration, or destruction.
All data transmitted between your browser and our website is encrypted using SSL/TLS technology.
Access to your credit documents and case information is protected by secure login credentials through our third-party portal provider.
We limit access to your personal information to employees and contractors who need it to perform their job functions.
In the event of a data breach that affects your personal information, we will notify you as required by applicable law.
Our services are intended for adults aged 18 and older. AQ Wealth University does not knowingly collect personal information from anyone under the age of 18. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete that information as promptly as possible.
AQ Wealth University reserves the right to update or modify this Privacy Policy at any time. When we make material changes, we will update the "Last Updated" date at the top of this page and, where appropriate, notify enrolled clients by email or through the client portal. Your continued use of our services after the effective date of any changes constitutes your acceptance of the updated Privacy Policy.
Our team is available to address any privacy-related questions or to process rights requests. Please allow up to 30 days for a response to formal rights requests.
Our team is available to address any privacy-related concerns or to process your data rights requests.
This Privacy Policy is provided for informational purposes and constitutes a binding agreement between you and AQ Wealth University regarding the collection, use, and protection of your personal information. This policy does not constitute legal advice. AQ Wealth University provides credit education and consulting services. We do not guarantee the removal of accurate information or specific credit score increases. © 2026 AQ Wealth University. All rights reserved.
