Effective Date: April 2026
Paramount Credit Pathway respects your privacy. This Privacy Policy
explains how we collect, use, disclose, and protect your information when you visit our website, www.ParamountCreditPathway.com, create an account, or purchase a monitoring subscription through our separate monitoring platform at www.monitorparamountfinancialone.com.
This Policy applies to the website and the web-based subscription and account creation process. Once
you create an account and log in to the Paramount Credit Pathway mobile app, your use of the app is
also governed by this Policy as it relates to account data.
By accessing or using our Site, completing a purchase, or creating an account, you consent to the
practices described in this Policy.
1. INFORMATION WE COLLECT
A. Payment & Subscription Information
When you purchase a monitoring subscription through our monitoring platform, payment is processed directly on that platform. Paramount Credit Pathway’s website does not collect or process payment card information.
B. Account Registration Information
When you register for a free account on our website, an account is created for you. We collect:
• Full name
• Email address
• Password (encrypted; we never store plaintext passwords)
Your account credentials are securely stored via Firebase Authentication (Google Firebase) and are used
solely to authenticate your access to the mobile app.
C. Contact Form Submissions
When you contact us through our website form, we collect:
• Name
• Email address
• Optional message content
This information is used solely to respond to your inquiry.
D. Automatically Collected Information
When you visit our Site, we may automatically collect standard web analytics data, including:
• IP address
• Browser type and version
• Device information
• Pages visited and time spent on pages
• Referring URLs
• Cookie and session tracking data
This information is used to improve website performance and understand visitor behavior.
E. Information Collected Within the Mobile App
When you use the Paramount Credit Pathway mobile app, we collect additional information necessary to provide credit monitoring, dispute management, and AI-powered credit improvement services, including:
This information is used solely to generate your credit profile, provide dispute recommendations, deliver monitoring alerts, and improve your experience within the app. We do not sell this information. Credit report data is retrieved through a secure third-party integration and is governed by applicable FCRA requirements.
2. HOW WE USE YOUR INFORMATION
We use the information collected on our website and within the mobile app to:
• Connect your account to your monitoring subscription
• Create and activate your account to access the Paramount Credit Pathway app
• Send you a subscription confirmation and account setup email
• Authenticate your identity when you log in to the app
• Provide customer support and respond to inquiries
• Improve our website experience and analyze traffic
• Maintain security, detect fraud, and prevent misuse
• Comply with applicable legal and regulatory obligations
We do not sell or rent your personal information.
• Retrieve and display your credit report data through our third-party credit data provider
•Deliver push notifications and monitoring alerts to your device
3. PAYMENT PROCESSING; PCI DSS COMPLIANCE
All payment card transactions are processed through our separate monitoring platform at www.monitorparamountfinancialone.com. Paramount Credit Pathway’s website does not collect, store, or process payment card data.
4. ACCOUNT CREATION & FIREBASE AUTHENTICATION
When you register for a free account on our website, we create a secure account using Google Firebase Authentication
Your login credentials (email and encrypted password) are stored within Firebases secure infrastructure
and are governed by Googles applicable security and privacy standards.
These credentials are used exclusively to authenticate your access to the Paramount Credit Pathway
mobile app. We do not share your login credentials with third parties.
5. SHARING YOUR INFORMATION
We may share your information with trusted third-party service providers who support our business
operations, including:
• Our merchant processor – to process subscription payments
• Credit data provider – to retrieve your credit report data for use within the app
• Google Firebase – to authenticate and manage your app account
• Website hosting and security providers (e.g., GoDaddy, Sucuri)
• Email delivery platforms
• Web analytics tools
These providers are contractually required to protect your information and use it only for the specific
services they perform on our behalf.
We do not share your information with lenders, realtors, credit bureaus, or third-party marketing partners
unless you explicitly request it.
We may disclose information if required by law, court order, or government authority, or when necessary
to protect the rights, property, or safety of our company or users.
6. COOKIES; TRACKING TECHNOLOGIES
Our Site uses cookies and similar technologies to:
• Improve website loading and functionality
• Track basic visitor analytics
• Support marketing or retargeting efforts
You may disable cookies through your browser settings. Note that disabling cookies may affect the functionality of our account creation process.
7. DATA SECURITY
We implement industry-standard security measures to protect your personal and payment information,
including:
• SSL/TLS encryption on all pages
• Encrypted password storage via Firebase Authentication
• Secure hosting environment with firewall and spam protection
• Regular security monitoring and malware scanning
While no system is 100% secure, we follow industry best practices to protect your information. In the
event of a data breach that affects your personal information, we will notify you as required by applicable
law.
8. DATA RETENTION
We retain your information as follows:
• Payment transaction records: retained as required by law and our merchant processor’s terms
(typically 7 years for financial records)
• Account credentials: retained for the duration of your active subscription and for a reasonable
period after cancellation
• Contact form submissions: retained only as long as necessary to respond to your inquiry
• Web analytics data: retained per our analytics providers standard retention periods
You may request deletion of your account and associated data by contacting us at
Team@ParamountCreditPathway.com, subject to our legal retention obligations.
9. YOUR RIGHTS & CHOICES
Depending on your state of residence, you may have certain rights regarding your personal information,
including:
• The right to access the personal information we hold about you
• The right to correct inaccurate information
• The right to request deletion of your personal information (subject to legal retention requirements)
• The right to opt out of marketing communications
To exercise any of these rights, please contact us at Team@ParamountCreditPathway.com. We will
respond to verifiable requests within 30 days.
To opt out of marketing emails, click the unsubscribe link in any email we send you.
9B.
Account Deletion Requests
You have the right to request the deletion of your Paramount Credit Pathway account and all associated personal data at any time. To submit an account deletion request, please contact us at:
Team@ParamountCreditPathway.com
Please include “Account Deletion Request” in the subject line along with the email address associated with your account. We will process your request within 30 days and confirm deletion via email. Please note that certain data may be retained as required by applicable law or our legal retention obligations as outlined in Section 8 of this Policy.
10. CHILDRENS PRIVACY
Our website and services are not intended for individuals under the age of 18. We do not knowingly
collect personal information from minors. If you believe we have inadvertently collected information from a
minor, please contact us immediately at Team@ParamountCreditPathway.com.
11. LINKS TO OTHER SITES
Our Site contains links to:
• The Paramount Credit Pathway mobile app (iOS/Android)
• External educational resources
• Third-party partner sites
We are not responsible for the privacy practices of third-party websites. We encourage you to review the
privacy policies of any third-party sites you visit.
12. CALIFORNIA STATE PRIVACY DISCLOSURES
If you are a California resident, you may have additional rights under the California Consumer Privacy Act
(CCPA), including the right to know what personal information we collect, the right to delete personal
information, and the right to opt out of the "sale" of personal information. We do not sell personal
information.
Residents of other states with applicable privacy laws (including Virginia, Colorado, Connecticut, and
Texas) may have similar rights. To submit a privacy rights request, contact us at
Team@ParamountCreditPathway.com.
13. CHANGES TO THIS POLICY
We may update this Privacy Policy from time to time to reflect changes in our practices, legal
requirements, or service offerings. The Effective Date at the top of this Policy will reflect the most recent
version.
Your continued use of the Site or your account after changes are posted constitutes acceptance of the
updated Policy. For material changes, we will provide notice via email or a prominent notice on our
website.
14. CONTACT US
For questions, requests, or concerns about this Privacy Policy or our data practices, please contact us at:
Paramount Credit Pathway
Email: Team@ParamountCreditPathway.com
Website: www.ParamountCreditPathway.com
