Privacy Policy
Your privacy is important to us. This policy explains how Thomas & Company Solutions collects, uses, and protects your personal information.
Last Updated: January 2, 2026
Thomas & Company Solutions ("we," "us," or "our") is committed to protecting your privacy and maintaining the confidentiality of your personal information. As a credit services organization, we comply with the Fair Credit Reporting Act (FCRA), Credit Repair Organizations Act (CROA), and all applicable federal and state privacy laws.
1. Information We Collect
Personal Information You Provide:
- Contact Information: Name, email address, phone number, and mailing address
- Consultation Bookings: Information provided when scheduling appointments through our Zoom Scheduler
- Communication Records: Messages and inquiries submitted through our contact forms
- Credit Information: If you become a client, we may collect information related to your credit reports and financial situation (with your explicit consent)
Information Automatically Collected:
- Technical Data: IP address, browser type, device information, and operating system
- Usage Data: Pages visited, time spent on pages, and navigation patterns
- Cookies: Small data files stored on your device to enhance website functionality
2. How We Use Your Information
We use your personal information for the following purposes:
- Service Delivery: To provide credit literacy education and assist you in understanding your rights under the FCRA
- Communication: To respond to inquiries, schedule consultations, and provide updates about our services
- Client Services: To help you work toward regaining your financial standing (for active clients)
- Legal Compliance: To comply with FCRA, CROA, and other applicable laws and regulations
- Website Improvement: To analyze usage patterns and enhance user experience
- Security: To protect against fraud, unauthorized access, and other security threats
3. Information Sharing and Disclosure
We do not sell, rent, or trade your personal information. We may share your information only in the following circumstances:
Third-Party Service Providers:
- Zoom: For consultation scheduling and video conferencing
- Hosting Services: Our website is hosted on secure servers to protect your data
- Database Services: Contact form submissions are stored securely in our database
These service providers are bound by confidentiality agreements and may only use your information to perform services on our behalf.
Legal Requirements:
We may disclose your information when required by law, legal process, or government request, or to:
- Comply with subpoenas, court orders, or legal obligations
- Protect our legal rights and property
- Prevent fraud or security threats
- Respond to claims that content violates third-party rights
With Your Consent:
We will share your information with third parties when you explicitly authorize us to do so.
4. Data Security
We implement appropriate technical and organizational security measures to protect your personal information, including:
- Encryption: Secure data transmission using industry-standard encryption protocols
- Access Controls: Restricted access to personal information on a need-to-know basis
- Secure Storage: Database security measures to prevent unauthorized access
- Regular Audits: Periodic security assessments and updates
While we strive to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but are committed to using reasonable efforts to safeguard your data.
5. Your Privacy Rights
You have the following rights regarding your personal information:
- Access: Request a copy of the personal information we hold about you
- Correction: Request correction of inaccurate or incomplete information
- Deletion: Request deletion of your personal information (subject to legal obligations)
- Opt-Out: Unsubscribe from marketing communications at any time
- Data Portability: Request your data in a structured, commonly used format
- Restriction: Request restriction of processing in certain circumstances
To exercise these rights, please contact us at [email protected] or call (205) 718-8858.
6. Data Retention
We retain your personal information for as long as necessary to:
- Provide our services and fulfill the purposes outlined in this policy
- Comply with legal obligations (including FCRA and CROA requirements)
- Resolve disputes and enforce our agreements
- Maintain business records as required by law
When information is no longer needed, we securely delete or anonymize it in accordance with our data retention policies.
7. Cookies and Tracking Technologies
Our website uses cookies and similar technologies to:
- Remember your preferences and settings
- Analyze website traffic and usage patterns
- Improve website functionality and user experience
- Enhance security and prevent fraud
You can control cookies through your browser settings. Note that disabling cookies may affect website functionality.
8. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately so we can delete it.
9. Third-Party Websites
Our website may contain links to third-party websites (such as Zoom). We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.
10. FCRA and CROA Compliance
As a credit services organization, we adhere to all requirements of the Fair Credit Reporting Act (FCRA) and Credit Repair Organizations Act (CROA):
- We do not guarantee specific credit score improvements or results
- We assist clients in understanding their rights under federal law
- We maintain strict confidentiality of all credit-related information
- We comply with all disclosure and documentation requirements
- Results vary based on individual circumstances
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of material changes by:
- Posting the updated policy on our website
- Updating the "Last Updated" date at the top of this page
- Sending email notification for significant changes (if you are a client)
We encourage you to review this policy periodically to stay informed about how we protect your information.
12. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:
We will respond to your inquiry within 30 days of receipt.