Privacy Policy

Effective Date: January 19, 2026

1. Introduction

CEG UNITED LLC ("CEG United", "we," "us" or "our") is committed to protecting your privacy and safeguarding the personal and financial information you provide to us. This Privacy Policy explains how we collect, use, store, disclose, and protect your information when you visit our website https://cegunited.com, interact with us, or use our services.

By accessing our website or using our services, you consent to the data practices described in this Privacy Policy.

2. Company Information

Legal Name: CEG UNITED LLC
Business Address: 13246 SW Eighth St, Miami, FL 33184
Email: contact@cegunited.com
Phone: (954) 367-9787
Website: https://cegunited.com

3. Sharing Your Information

We do not sell, trade, or otherwise transfer your personal information to third parties without your consent, except as described in this Privacy Policy. We may share information with trusted third-party service providers who assist us in operating our website or conducting our business.

CEG United is not a lender and not a credit repair organization. We do not make lending decisions, extend credit, dispute, remove, suppress, or alter information on credit reports, communicate with credit bureaus or creditors on a user’s behalf, or guarantee approvals, funding, or results.

4. Information We Collect

We may collect extensive personal, financial, and business information, including but not limited to:

  • Personal Information

  • Full legal name

  • Phone number

  • Email address

  • Date of birth

  • Gender

  • Social Security Number (full)

  • Residential and mailing address

  • Government-issued identification

  • Business Information

  • Business name and entity type

  • Employer Identification Number (EIN)

  • Business revenue and financial details

  • Business credit reports and profiles

  • Financial & Supporting Documents

  • Bank statements

  • Paystubs

  • Tax returns

  • Immigration-related documents (if voluntarily provided)

  • Any other documentation necessary for eligibility or pre-qualification analysis

5. How Information Is Collected

Information may be collected through:

  • Website forms and dashboards

  • Email communications

  • Phone calls and voicemails

  • SMS and MMS text messages

  • Electronic messaging platforms (such as WhatsApp or similar applications)

  • Document uploads

  • In-person meetings

6. Credit Information & Pre-Qualification

By using our services, you expressly authorize CEG United to access your credit information solely for pre-qualification purposes.

  • We perform soft credit inquiries only

  • No hard inquiries are ever conducted

  • Soft inquiries do not affect your credit score

Credit information may be obtained from:

  • Experian

  • TransUnion

  • Equifax

  • LexisNexis

  • ChexSystems

Other consumer and business credit reporting agencies, including but not limited to Dun & Bradstreet, NAV, and similar platforms

These inquiries are conducted in compliance with the Fair Credit Reporting Act (FCRA) and applicable credit bureau requirements.

7. Communications Consent (Calls & Texts)

By providing your contact information, you consent to receive communications from CEG United, including:

  • SMS and MMS text messages

  • Phone calls

  • Voicemails

  • Emails

  • Electronic messaging platforms (such as WhatsApp or similar applications)

Communications may include transactional, service-related, informational, and marketing messages. Message and data rates may apply.

You may opt out of text messages at any time by replying “STOP.” Consent to receive communications is not a condition of purchase.

8. How We Use Your Information

We use your information to:

  • Provide services and customer support

  • Conduct eligibility and pre-qualification assessments

  • Display credit scores and credit health information on dashboards

  • Match users with lenders that may be more likely to work with them

  • Communicate service updates and marketing information

  • Maintain compliance with legal and regulatory requirements

9. Information Sharing & Disclosure

We may share your information with:

  • Third-party lenders and financial institutions (for pre-qualification only)

  • Credit bureaus and reporting agencies

  • CRM, cloud storage, and software providers

  • Communication providers (including SMS and phone systems)

  • Legal, regulatory, or compliance partners as required by law

We do not sell personal data.
We do not share data for third-party advertising.

10. Cookies & Tracking Technologies

Our website uses cookies and similar technologies to enhance user experience, analyze website performance, and improve our services. You may adjust cookie preferences through your browser settings.

11. Data Security

We take reasonable administrative, technical, and physical measures to protect your information, including:

  • Secure CRM systems

  • Cloud-based secure storage

  • Limited access controls

  • Manual safeguards where applicable

Despite our efforts, no system can be guaranteed to be 100% secure.

12. Data Retention

We retain personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless:

  • A longer retention period is required by law, or

  • You request deletion of your information, subject to legal limitations

13. User Rights

You may request to:

  • Access your personal information

  • Correct inaccurate information

  • Request deletion of your data

  • Opt out of communications

Requests can be made by contacting contact@cegunited.com.

14. Accuracy of Information

You are responsible for ensuring that all information you provide is true, accurate, and complete. CEG United is not responsible for errors, omissions, or false information submitted by users, and such inaccuracies may affect outcomes or eligibility.

15. Not a Credit Repair Company or Lender

CEG United:

  • Is not a credit repair organization

  • Does not provide credit repair services

  • Is not a lender

  • Does not guarantee approvals, funding, or results

All services are educational, advisory, and pre-qualification based.

16. Geographic Scope

Our services are intended for users located within the United States only.

17. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised effective date. Continued use of our services constitutes acceptance of the updated policy.

18. Contact Us

If you have questions about this Privacy Policy or our data practices, contact us at:

CEG UNITED LLC
📧 contact@cegunited.com
📞 (954) 367-9787