Privacy Policy

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Deija Nakiyah Luxe Credit & Lifestyle

Effective Date: January 23, 2026

Deija Nakiyah Luxe Credit & Lifestyle (“Company,” “we,” “our,” or “us”) is committed to protecting the privacy, confidentiality, and security of our clients’ personal and financial information. This Privacy Policy outlines how we collect, use, store, protect, and disclose your information in connection with the credit and lifestyle services we provide.

By accessing our website, enrolling in our services, completing intake forms, or executing our Client Agreement, you consent to the data practices described within this Privacy Policy.

Information We Collect

To deliver our credit enhancement, educational, and lifestyle-based services, we may collect the following:

Personal identifying information including your full name, date of birth, Social Security number, address, phone number, email address, and government issued identification

Financial and credit related information including credit reports, account details, creditor information, dispute history, and supporting documentation

Verification documents such as proof of address, Social Security card, and records related to disputed accounts

Website and communication data including emails, intake submissions, consultation notes, and service related correspondence

All information collected is necessary to perform services accurately and in compliance with applicable laws.

How We Use Your Information

Your information is used strictly for legitimate business purposes, including:

Providing credit report analysis, dispute preparation, and submission services

Addressing inaccurate, incomplete, or unverifiable credit information

Assisting with fraud alerts, identity protection, and personal information updates

Developing personalized credit and financial profile strategies

Communicating with credit bureaus, creditors, and data furnishers on your behalf

Maintaining compliance with the Credit Repair Organizations Act, Fair Credit Reporting Act, and Fair and Accurate Credit Transactions Act

We do not sell, rent, trade, or otherwise distribute your personal information to third parties.

Information Sharing and Disclosure

Client information is only shared when necessary to fulfill services or comply with legal obligations. This may include:

Credit bureaus such as Equifax, Experian, and TransUnion

Creditors and data furnishers for dispute verification

Authorized credit monitoring or identity protection services

Legal or regulatory authorities when required by law

All disclosures are conducted within strict legal and regulatory standards.

Data Security and Protection

We implement reasonable and appropriate safeguards to protect your information, including:

Secure electronic storage systems

Restricted access to sensitive client data

Encrypted communication where applicable

Internal confidentiality standards governing all records and materials

While we prioritize data protection, no system can guarantee absolute security. By engaging our services, you acknowledge this inherent risk.

Client Responsibilities

Clients are responsible for maintaining the confidentiality of their login credentials, email access, and credit monitoring accounts. Deija Nakiyah Luxe Credit & Lifestyle is not liable for unauthorized access resulting from client negligence or third party breaches beyond our control.

Retention of Information

Client records are retained only as long as necessary to complete services, fulfill legal obligations, and maintain business documentation. Upon completion or termination, information may be securely archived or disposed of in accordance with applicable laws.

Your Rights

You have the right to:

Request access to your personal information

Request corrections to inaccurate or incomplete information

Withdraw consent where legally permitted

Cancel services within three business days in accordance with CROA

All requests must be submitted in writing to our official contact email.

Intellectual Property

All dispute letters, templates, educational materials, strategies, and proprietary processes are the exclusive property of Deija Nakiyah Luxe Credit & Lifestyle. Unauthorized use, reproduction, or distribution is strictly prohibited.

Policy Updates

We reserve the right to update or modify this Privacy Policy at any time. Updates will be posted on our website and will become effective immediately upon publication.

Contact Information

For questions regarding this Privacy Policy or your personal information, please contact us at our official business email.

Deija Nakiyah Luxe Credit & Lifestyle
📧 dnluxecreditlifestyle@gmail.com   |   470.508.5306
⏳ Response Time: 24–48 business hours