SecondStep Restoration Privacy Policy  

Effective Date: June 10, 2026Last Updated: June 10, 2026


1. INTRODUCTION

SecondStep Restoration — hereinafter referred to as the Company we us or our — is committed to protecting the privacy and security of our clients and website visitors. This Privacy Policy explains how we collect use disclose and safeguard your personal information when you visit our website at secondsteprestoration.com use our secure client portal at portal.secondsteprestoration.com or use any of our credit restoration services.

Please read this Privacy Policy carefully. By accessing or using our services you acknowledge that you have read understood and agree to be bound by the terms of this Privacy Policy. If you do not agree with the terms of this Privacy Policy please do not access or use our services.


2. INFORMATION WE COLLECT

We may collect the following categories of personal information:

Personal Identification Information:

  • Full legal name
  • Date of birth
  • Social Security Number — collected only when required for credit restoration services
  • Government-issued identification information

Contact Information:

  • Email address
  • Phone number
  • Mailing address

Financial Information:

  • Credit reports from Equifax Experian and TransUnion
  • Credit account information
  • Payment history and account balances
  • Credit score information
  • Debt and collection account information
  • Payment card information for billing purposes

Account Information:

  • Username and password
  • Service tier selected — DIY Done With You or Done For You
  • Portal activity and login history
  • Documents uploaded to your secure portal

Communications:

  • Messages sent through our secure portal
  • Emails sent to or received from SecondStep Restoration
  • Records of consultations and sessions with Jacqueline Williamson

Technical Information:

  • IP address
  • Browser type and version
  • Device information
  • Pages visited and time spent on our website
  • Referring website addresses


3. HOW WE COLLECT YOUR INFORMATION

We collect personal information in the following ways:

Directly from you when you create an account on our portal sign up for credit restoration services upload documents submit forms book appointments or contact us through any channel.

Automatically through cookies and similar tracking technologies when you visit our website or use our portal.

From credit reporting agencies when you authorize us to access your credit reports through the FCRA Authorization Form you sign prior to beginning services.

From third-party payment processors when you make payments for our services through CPACharge Stripe or Square.


4. HOW WE USE YOUR INFORMATION

We use the personal information we collect for the following purposes:

To provide credit restoration services including reviewing your credit reports identifying inaccurate incomplete or unverifiable items preparing dispute letters and communicating with credit reporting agencies and creditors on your behalf.

To manage your account including creating and maintaining your secure client portal account processing payments sending invoices and providing access to your documents and dispute history.

To communicate with you including sending welcome emails appointment reminders monthly progress reports billing notifications and service updates.

To comply with legal obligations including maintaining records required by the Credit Repair Organizations Act — CROA — and the Fair Credit Reporting Act — FCRA.

To improve our services including analyzing how clients use our portal and services to improve the client experience.

To protect our business including detecting and preventing fraud unauthorized access and other illegal activities.


5. LEGAL BASIS FOR PROCESSING — CREDIT REPAIR ORGANIZATIONS ACT

SecondStep Restoration operates in compliance with the Credit Repair Organizations Act — 15 U.S.C. § 1679 et seq. Under CROA we are required to:
  • Provide you with a written disclosure statement before signing any contract
  • Provide you with a written contract before performing any services
  • Allow you three business days to cancel any contract without penalty
  • Not charge any fees before services are fully performed
All personal information collected in connection with credit restoration services is collected and processed in accordance with CROA and FCRA requirements.


6. FAIR CREDIT REPORTING ACT — FCRA — COMPLIANCE

We collect and use credit report information strictly in accordance with the Fair Credit Reporting Act — 15 U.S.C. § 1681 et seq. We only access your credit reports after receiving your written authorization through our FCRA Authorization Form. We use your credit report information solely for the purpose of providing the credit restoration services you have requested and do not share your credit information with any third party except as necessary to perform dispute services on your behalf.


7. HOW WE SHARE YOUR INFORMATION

We do not sell rent or trade your personal information to third parties. We may share your information only in the following circumstances:

With credit reporting agencies — Equifax Experian and TransUnion — when submitting disputes on your behalf as part of our credit restoration services.

With creditors and collection agencies when sending dispute letters goodwill letters pay for delete requests or debt validation letters on your behalf.

With payment processors — CPACharge Stripe and Square — to process your payments securely. These processors have their own privacy policies and security measures.

With service providers who assist us in operating our business including our secure client portal provider and email service providers. These providers are contractually obligated to protect your information and use it only for the services they provide to us.

As required by law including in response to a court order subpoena or other legal process or when we believe disclosure is necessary to protect the rights property or safety of SecondStep Restoration our clients or others.

With your consent when you have given us specific permission to share your information for a particular purpose.


8. DATA SECURITY

We take the security of your personal information seriously and implement appropriate technical and organizational measures to protect it including:

  • Secure encrypted client portal with password protection and email verification
  • Session timeout after 30 minutes of inactivity
  • Account lockout after five failed login attempts
  • Encrypted data transmission using SSL and TLS technology
  • Secure document storage with access controls
  • Regular security assessments and updates

However no method of transmission over the internet or electronic storage is completely secure. While we strive to use commercially acceptable means to protect your personal information we cannot guarantee its absolute security. If you believe your account has been compromised please contact us immediately at renewal@secondsteprestoration.com or call 601-605-7696.


9. DATA RETENTION

We retain your personal information for as long as necessary to provide our services and comply with our legal obligations including:

  • Client account records — retained for a minimum of five years following the termination of services in accordance with CROA requirements
  • Credit report information — retained only as long as necessary to perform dispute services
  • Payment records — retained for seven years for tax and accounting purposes
  • Communications — retained for five years following the conclusion of services


When your information is no longer needed it will be securely deleted or anonymized.


10. YOUR RIGHTS

You have the following rights regarding your personal information:

Right to Access — you have the right to request a copy of the personal information we hold about you.

Right to Correction — you have the right to request that we correct any inaccurate or incomplete personal information we hold about you.

Right to Deletion — you have the right to request that we delete your personal information subject to our legal obligations to retain certain records.

Right to Withdraw Consent — you have the right to withdraw your consent to our use of your personal information at any time. Withdrawal of consent may affect our ability to provide services to you.
Right to Cancel Services — under CROA you have the right to cancel your credit restoration services contract within three business days of signing without any penalty or obligation.

To exercise any of these rights please contact us at renewal@secondsteprestoration.com or call 601-605-7696.


11. COOKIES AND TRACKING TECHNOLOGIES

Our website and portal use cookies and similar tracking technologies to enhance your experience. Cookies are small data files stored on your device that help us remember your preferences and improve our services.
We use the following types of cookies:

Essential cookies — necessary for the operation of our portal including login sessions and security features. These cannot be disabled.
Analytics cookies — help us understand how visitors use our website so we can improve the user experience. You may opt out of analytics cookies through your browser settings.
Preference cookies — remember your settings and preferences for future visits.

You can control cookies through your browser settings. However disabling certain cookies may affect the functionality of our portal.


12. THIRD PARTY LINKS

Our website and portal may contain links to third-party websites including credit reporting agencies payment processors and educational resources. We are not responsible for the privacy practices of these third-party websites and encourage you to review their privacy policies before providing any personal information.


13. CHILDREN'S PRIVACY

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18 we will take steps to delete that information promptly. If you believe we have collected information from a child under 18 please contact us at renewal@secondsteprestoration.com.


14. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we make changes we will update the Last Updated date at the top of this policy and notify you by email at the address associated with your account. Your continued use of our services after any changes to this Privacy Policy constitutes your acceptance of the updated policy.


15. CONTACT US

If you have any questions concerns or requests regarding this Privacy Policy or our privacy practices please contact us:

SecondStep Restoration Phone — 601-605-7696
Email — renewal@secondsteprestoration.com
Website — secondsteprestoration.com
Portal — portal.secondsteprestoration.com

For credit repair related complaints you may also contact:
Federal Trade Commission ftc.gov/credit 1-877-FTC-HELP — 1-877-382-4357
Consumer Financial Protection Bureau consumerfinance.gov 1-855-411-CFPB — 1-855-411-2372


Renewed. Restored. Ready. Trusted. Confident. True.
© 2026 SecondStep Restoration. All Rights Reserved. A Division of TruePath Group LLC.