Privacy Policy

We collect information about you in a variety of ways. The information we may collect on the Site includes:

Personal Data

Personally identifiable information, such as your name, shipping address, email address, and telephone number, and demographic information, such as your age, gender, hometown, and interests, that you voluntarily give to us when you register with the Site or when you choose to participate in various activities related to the Site, such as online chat and message boards. You are under no obligation to provide us with personal information of any kind, however your refusal to do so may prevent you from using certain features of the Site.

Specifically, we may collect:

• Full legal name
• Date of birth
• Social Security Number (for personal credit services) or EIN (for business credit services)
• Current residential or business address
• Phone number and email address
• Credit report information (with your authorization)
• Payment and billing information
• Communication preferences

Derivative Data

Information our servers automatically collect when you access the Site, such as your IP address, your browser type, your operating system, your access times, and the pages you have viewed directly before and after accessing the Site.

Financial Data

Financial information, such as data related to your payment method (e.g., valid credit card number, card brand, expiration date) that we may collect when you purchase, order, return, exchange, or request information about our services from the Site. We store only very limited, if any, financial information that we collect. Otherwise, all financial information is stored by our payment processor, and you are encouraged to review their privacy policy and contact them directly for responses to your questions.

Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you via the Site to:

• Process your tradeline orders and provide our credit building services
• Add you as an authorized user to tradeline accounts
• Monitor and verify tradeline reporting to credit bureaus
• Communicate with you about your account and services
• Send you administrative information, such as updates, security alerts, and support messages
• Respond to your inquiries and provide customer support
• Request feedback and contact you about your use of our services
• Improve our website and service offerings
• Send you marketing and promotional communications (with your consent)
• Compile anonymous statistical data and analysis for business purposes
• Prevent fraudulent transactions, monitor against theft, and protect against criminal activity
• Comply with legal obligations and enforce our terms and conditions

We may share information we have collected about you in certain situations. Your information may be disclosed as follows:

By Law or to Protect Rights

If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by any applicable law, rule, or regulation.

Service Providers

We may share your information with third-party service providers that perform services for us or on our behalf, including:

• Credit card processing and payment processing
• Tradeline account holders (to add you as authorized user)
• Credit bureau monitoring services
• Data analysis and analytics
• Email delivery and marketing services
• Customer service and support
• Website hosting and maintenance

Business Transfers

We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

Marketing Communications

With your consent, or with an opportunity for you to withdraw consent, we may share your information with third parties for marketing purposes, as permitted by law. You may opt-out of receiving marketing communications at any time.

We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.

Our security measures include:

• Encryption: We use SSL/TLS encryption to protect sensitive data in transit
• Secure Storage: Personal information is stored on secure servers with restricted access
• Access Controls: Only authorized personnel have access to personal information
• Regular Audits: We conduct regular security assessments and audits
• Payment Security: Payment information is processed through PCI-DSS compliant processors
• Employee Training: All employees are trained on data protection and privacy practices

Any information disclosed online is vulnerable to interception and misuse by unauthorized parties. Therefore, we cannot guarantee complete security if you provide personal information.