Privacy Policy

This Privacy Policy outlines how Karmaundo LLC (“Karmaundo,” “we,” “our,” or “us”) collects, uses, shares, and protects your personal information when you use our website and services.

By accessing our website or engaging with our services, you agree to the terms of this Privacy Policy.

1. Who We Are

Karmaundo LLC
605 Austin Ave
Waco, Texas 76701
Email: hello@karmaundo.com

We are a Texas-based credit repair company offering monthly credit repair services, credit analysis, and coaching to clients across the United States.

2. Information We Collect

When you interact with us or sign up for services, we may collect the following types of personal information:

Full name
Mailing address
Email address
Phone number
Date of birth
Social Security number
Credit report and financial history
Government-issued ID and utility bill (for identity verification)
Login credentials for authorized credit monitoring accounts (with your permission)
Any documents or files uploaded through the client portal
Communication records through chat, email, or our portal

3. How We Use Your Information

We use your information to:

Deliver our credit repair and coaching services
Review and analyze your credit reports
Prepare and send dispute letters on your behalf
Track progress and provide reporting through our dashboard
Contact you with service-related communications
Verify your identity and comply with legal requirements
Improve our services, website functionality, and customer experience

4. Sharing Your Information

We do not sell your information—ever.

However, we may share your information with:

Authorized third-party service providers who assist us with dispute processing, credit analysis, data hosting, or support services
Credit reporting agencies to initiate and follow up on disputes
Government agencies or law enforcement, if required to comply with legal obligations

All third parties are contractually obligated to protect your information and use it only for the purposes authorized by Karmaundo.

5. How We Protect Your Data

We implement physical, technical, and administrative safeguards to protect your personal information, including:

Encrypted file storage and secure web servers
Restricted access to sensitive data
SSL encryption on our website
Multi-factor authentication for internal systems

Despite our efforts, no method of data transmission is 100% secure. You share data with us at your own risk, but know we treat your privacy with the same urgency we give our own.

6. Your Rights and Choices

You may:

Request access to or correction of your personal information
Cancel your account at any time
Opt out of marketing emails (though we may still send important service-related emails)
Request deletion of your data, subject to legal obligations

To make a request, email us at hello@karmaundo.com.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. Please review their policies separately.

8. Children’s Privacy

Our services are intended for adults 18 and older. We do not knowingly collect or store data from children under 13. If we learn that we have collected personal information from a child, we will delete it promptly.

9. Changes to This Policy

We may update this Privacy Policy occasionally. If we make material changes, we will notify you via email or through our website. Continued use of our services after changes means you accept the revised policy.

10. Contact Us

If you have any questions about this Privacy Policy or your personal data, contact us: