Compliance & Regulatory Information

Paramount Credit Pathway

www.ParamountCreditPathway.com

Paramount Credit Pathway (“Company,” “we,” “us,” or “our”) is committed to maintaining full transparency, ethical standards, and compliance with applicable federal and state guidelines related to credit education, credit-improvement tools, and consumer protection.

This page outlines key compliance statements relevant to our website and our mobile app.

1. Not a Credit Repair Organization (Website)

The website does not:

Provide credit repair services
Generate dispute letters
Create personalized credit plans
Collect credit reports
Enroll users into services
Provide any paid services on the Site

The website exists solely to:

Provide educational information
Inform visitors about our mobile app
Allow users to submit a simple contact form (name + email)
Direct users to the app in the App Store/Google Play

All tools, services, and actions requiring CROA-related disclosures happen inside the mobile app, not on this website.

2. Compliance With the Credit Repair Organizations Act (CROA)

(Applies to the Mobile App Only)

Inside the Paramount Credit Pathway mobile app, we follow all requirements of the Credit Repair Organizations Act, including:

No false or misleading claims

We do not claim guaranteed results, score increases, or specific outcomes.

Written disclosures

Users receive all required CROA disclosures before enrolling in any service inside the app.

No upfront fees

For any credit-improvement services that fall under CROA, we do not charge prohibited advance fees.

Right to cancel

App users may cancel services at any time consistent with CROA guidelines and our app Terms.

No misleading statements

We do not make claims about being able to remove accurate, verifiable information.

These requirements apply only to in-app services — not the website.

3. Educational Content Only (Website)

All website content — including blog posts, videos, tips, guides, FAQs, and general information — is intended for:

General education
Informational use
Credit awareness
Consumer understanding

Nothing on the website is personalized advice.

We do NOT give:

Legal advice
Financial advice
Tax advice
Customized credit-repair instructions

4. No Guarantee of Results

Neither the website nor the app guarantees:

Score increases
Deletion of items
Loan approvals
Specific financial outcomes
Results within a particular timeframe

Credit results depend on many factors outside our control, including payment history, data furnishers, reporting timelines, and consumer behavior.

5. FTC, CFPB & State Law Compliance

Paramount Credit Pathway intends to comply with:

CFPB regulations
FTC guidelines
Credit Repair Organizations Act (CROA) — for the app
State-level consumer protection laws
UDAAP (Unfair, Deceptive, Abusive Acts & Practices) standards

We follow best practices to provide clear, transparent, and accurate information.

6. Not a Law Firm or Financial Institution

Paramount Credit Pathway is not:

A law firm
A financial institution
A credit bureau
A lender
A debt settlement company

We do not give legal representation or financial underwriting.

7. No Collection of Sensitive Financial Information on Website

Your website does not collect:

Credit card information
Credit reports
Social Security numbers
Banking information
Sensitive personal identifiers
Credit monitoring logins

The only data collected on the website is:

Name
Email
Optional message

via contact form.

8. App Terms Govern App Services

If a user chooses to download the mobile app, their use of:

AI-driven dispute tools
Credit analysis features
Subscription tiers
In-app education
Upload/document features

is governed by:

In-app Terms of Service
In-app Privacy Policy
In-app CROA disclosures
In-app Refund/Billing Policy

These documents do not apply to the website.

9. Data Protection & Privacy Compliance

We maintain reasonable administrative, technical, and physical safeguards to protect customer information.

Your data practices on the website are governed by:

The Website Privacy Policy
The Cookie Policy

10. Contact Information

For compliance or legal questions: