PRIVACY POLICY

Effective Date: January 2025

Company: Trinova Synergy Group LLC

Brand: CreditScore Desk

Trinova Synergy Group LLC (“Company”, “we”, “our”, “us”), operating under the brand CreditScore Desk, is committed to protecting your privacy and handling your personal information responsibly.

This Privacy Policy explains what data we collect, how we use it, and the rights available to you as a user of our website and educational services.

1. Information We Collect

We may collect the following types of information:

A. Information You Provide Directly

Name
Email address
Phone number
Payment details (processed by third-party payment processors)
Information shared during coaching sessions (goals, questions, experiences)

B. Voluntary Supplemental Information

You may choose to share:

Credit report details
Business information
Files uploaded through your account
Notes or documents for educational feedback

We do NOT request or store:

Social Security Numbers
Bank logins or financial account credentials
Credit monitoring passwords
Full credit bureau login information
Sensitive personal documents

C. Automatically Collected Data

IP address
Device information
Browser type
Pages visited
Cookies and analytics data

2. How We Use Your Information

We use your information to:

Provide educational credit coaching services
Manage your account and subscriptions
Improve program quality
Process payments securely
Respond to support requests
Send updates, resources, or program communications
Maintain legal compliance

We do NOT:

Perform credit repair
Communicate with credit bureaus on your behalf
Submit disputes for you
Guarantee credit outcomes
Sell or rent your data
Use your data for automated decision-making

3. How We Protect Your Information

We implement reasonable technical and administrative safeguards including:

Secure HTTPS encryption
Encrypted payment processing via Wix, Stripe, and PayPal
Limited internal access to personal information
No long-term storage of sensitive documents
Routine data deletion protocols

4. Sharing of Information

We only share information as necessary:

A. Trusted Service Providers

Such as:

Payment processors
Email service platforms
Scheduling tools
Hosting providers (Wix)

They must maintain confidentiality and security.

B. Legal Requirements

We may disclose information to comply with:

Court orders
Subpoenas
Government requests

We do not share information with credit bureaus or creditors.

5. Your Rights

Depending on your jurisdiction, you may request:

Access to your data
Correction of inaccurate information
Deletion of your information
Restriction of processing
Opt-out of email marketing

Email us at: info@creditscoredesk.com

6. Cookies

We use cookies to enhance user experience and analyze website performance.

You may disable cookies in your browser settings.

7. Data Retention

Information is retained only as long as necessary for:

Service delivery
Legal compliance
Dispute resolution

We do not permanently store sensitive details from credit reports.

8. Children’s Privacy

Our services are not intended for users under 18.

9. External Links

Our site may contain links to third-party services.

We are not responsible for their privacy practices.

10. Updates

We may update this Privacy Policy periodically.

The newest version will always appear on this page.

11. Contact Us

Trinova Synergy Group LLC

Brand: CreditScore Desk

Email: info@creditscoredesk.com

Website: www.creditscoredesk.com

REFUND POLICY

We want every student and client to feel confident in their decision to join our educational programs. The following refund policy applies to all purchases made on www.creditscoredesk.com.

1. Free Evaluation

Before enrolling, users may receive a free initial evaluation to understand whether our educational program is a good fit.

This evaluation does not include credit repair, credit dispute work, or legal advice.

2. 30-Day Money Back Guarantee

We offer a 30-Day Money Back Guarantee on eligible educational programs.

✔ Eligible for refund:

You qualify for a refund if all the following conditions are met:

The request is submitted within 30 days of purchase
You completed required onboarding steps
You accessed less than 50% of the course content
You attended at least one onboarding call or attempted to schedule
You can show that you attempted to follow the educational materials (as applicable)

❌ Not eligible:

Refunds are NOT provided for:

Digital products already downloaded
Subscription months already consumed
Completed coaching sessions
Failure to use the program
dissatisfaction after substantial content access
Clients seeking credit repair or guaranteed outcomes
Work completed by third-party contractors

Refunds are designed to protect genuine customers, not misuse of services.

3. How Refunds Are Processed

Refunds are issued back to the original payment method
Processing may take 5–10 business days
Some payment providers may take longer

4. Subscriptions

Subscriptions renew automatically unless canceled
You may cancel at any time from your account
No refunds are provided for previously charged subscription periods
Cancellation stops future charges, not past ones

5. Contact for Refund Requests

To request a refund, email:

📧 info@creditscoredesk.com

Subject: REFUND REQUEST – [Your Name]

Include:

Full name
Email used during purchase
Date of purchase
Reason for refund

6. Chargebacks

Filing a chargeback without contacting us first may result in:

Account termination
Loss of access to the program
Investigation and documentation submission to the processor

We always attempt to resolve disputes amicably.

7. No Credit Repair Services

CreditScore Desk does not offer credit repair, legal services, or dispute filing.

Refund requests based on expectations of credit repair will not be honored.

RETURN POLICY

CreditScore Desk — Trinova Synergy Group LLC

Last Updated: January 2025

Because our products are digital and immediately accessible, returns are handled under the following rules:

1. Digital Products

Digital downloads, templates, and training materials cannot be “returned”
Access is granted immediately after purchase
Therefore, return requests will be evaluated only under the 30-Day Money Back Guarantee (see Refund Policy)

2. Free Evaluation

All users may receive a free evaluation before enrolling, to help determine if our program fits their needs.

3. No Credit Repair Services

We do not accept “returns” based on expectations of credit repair or hands-on dispute removal.

4. Subscription Access

Subscriptions offer digital access that cannot be returned
Users may cancel future payments anytime
No returns for previously accessed subscription periods

5. Contact for Returns or Access Issues

Email: info@creditscoredesk.com

Include:

Name
Email
Issue experienced

We will respond within 48 hours.