Terms of Service & Privacy Policy

Terms of Service & Privacy Policy

This Agreement is between you and Micah Abigail LLC, its past, present, or future parents, subsidiaries, affiliates, predecessors, assignees, successors, and their respective agents, employees, directors, officers, partners, and members (whether acting in their corporate or individual capacity) (“MA,” “we” or “us”), with a principal place of business at 1399 route 52, suite 104 Fishkill, NY 12524. This Agreement shall be construed in accordance with the laws of the State of New York and the obligations, rights, and remedies of the parties hereunder shall be determined in accordance with such laws.

Service

Prior to starting document processing services, you will sign a client agreement along with the following:

  • Credit Service Agreement
  • Consumer Credit File Rights (CROA Disclosure)
  • Right of Cancellation Notice

The services we perform may include:

  • Document preparation and credit education. We will evaluate your current credit reports as listed with applicable credit reporting agencies and work with you to identify inaccurate, erroneous, false, or obsolete information. You will choose which items you would like to dispute. We will advise you on steps to be taken to dispute any inaccurate, erroneous, false, or obsolete information contained on your credit reports.
  • We will prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in your credit reports.
  • You will forward to us your correspondence received from the credit reporting agencies and we will assist you in further correspondence with those agencies.
  • Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during normal business hours.

In return for the services above, you agree to pay fees as outlined in your client agreement.

Cancellation

You may cancel your contract with MA at any time. Your quickest path to canceling is a friendly call with our live Customer Success team at 516-377-6053.

No Legal Advice

We make every effort to assist in ensuring the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e., the application of the law to your individual circumstances). For legal advice, please consult an attorney.

Security

MA operates secure data networks protected by industry-standard firewall and encryption protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary. Only authorized individuals have access to the information provided by our customers.

Information MA Gathers and Tracks

MA gathers two types of information about users:

  1. Information that users provide manually on our website: This information is gathered on our Enrollment (Sign-Up) Form and includes name, address, email address, Social Security Number, and date of birth. This information is not shared or used for any marketing purposes whatsoever.
  2. Information MA gathers through aggregated tracking information: This is derived mainly by tallying page views throughout our sites. This information allows us to better tailor our content to readers’ needs and helps us better understand the demographics of our audience.

Usage Tracking

MA tracks user traffic patterns. However, we do not correlate this information with data about individual users. MA does break down overall usage statistics according to a user’s domain name, browser type, and MIME type by reading this information from the browser string (information contained in every user’s browser). MA sometimes tracks the search terms that users enter in public search engines that generate a “click-through,” but this tracking is never associated with individual users. We use tracking information to determine the effectiveness of individual search terms.

Cookies

We may place a text file called a “cookie” in the browser files of your computer. The cookie itself does not contain Personal Information but will enable us to relate your use of this site to information that you have specifically and knowingly provided. The only personal information a cookie can contain is information you supply yourself. A cookie cannot read data off your hard disk or read cookie files created by other sites. MA uses cookies to track user traffic patterns (as described above). You can refuse cookies by turning them off in your browser. If you’ve set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. You do not need to have cookies turned on to use this site.

Your Consent

By using this site, you consent to the collection and use of this information by MA. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

Public Safety and Legal Process

We will not share information about individual users with any third party except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.