Privacy Policy
Last updated: May 23, 2026
1. Information We Collect
WM NexCredit LLC ("Company," "we," "us," or "our") collects the following information when you use our services or contact us:
- Name, phone number, and email address
- Credit-related information you voluntarily provide
- Communications through our chat widget, SMS, or email
- Usage data when you visit our website (IP address, browser type, pages visited)
2. How We Use Your Information
We use the information we collect to:
- Provide credit consulting services and respond to your inquiries
- Send appointment reminders, service updates, and follow-up communications via SMS and email
- Send promotional offers related to our credit consulting services (with your consent)
- Improve our services and website experience
- Comply with legal obligations
3. SMS Communication
By interacting with our chat widget on this website, you consent to receive SMS text messages from WM NexCredit LLC at the phone number you provide. These messages may include:
- Appointment confirmations and reminders
- Service updates and status notifications
- Promotional offers and special announcements (separate opt-in required)
No Sharing of SMS Consent: We do not sell, share, rent, or disclose your SMS opt-in consent or phone number to any third party, affiliate, or partner for marketing or promotional purposes. SMS opt-in data and consent obtained through our website forms will not be shared with third parties under any circumstances.
To opt out: Reply STOP to any SMS message at any time. You will receive a confirmation and no further messages will be sent. To opt back in, text START. For help, reply HELP or contact us at support@wm-nexcredit.com.
Message frequency varies based on your service activity. Standard message and data rates may apply depending on your carrier.
4. Sharing of Information
We do not sell, rent, or trade your personal information to third parties. We may share information with:
- Service providers who assist in our business operations (subject to confidentiality agreements)
- Credit bureaus and financial institutions as necessary to provide our services
- Law enforcement or regulatory bodies when required by law
5. Data Security
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet is 100% secure.
6. Your Rights
You have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your information (subject to legal obligations)
- Opt out of marketing communications at any time
7. Credit Repair Organizations Act (CROA) Compliance
WM NexCredit LLC operates in compliance with the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.). You have the right to cancel any service agreement within 3 business days. We do not charge fees before services are fully performed.
8. Cookies
Our website uses cookies and similar tracking technologies to improve your browsing experience. You may disable cookies in your browser settings, though this may affect website functionality.
9. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new policy on this page with an updated date.
10. Contact Us
If you have questions about this Privacy Policy or our data practices, please contact us:
- WM NexCredit LLC
- 898 S State St, Ste 310 #1280, Orem, UT 84097
- Phone: (801) 613-7463
- Email: support@wm-nexcredit.com