RIGHT TRACK CREDITLIFE LLC PRIVACY POLICY

Right Track CreditLife Specialists ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us .

By accessing our website or using our credit repair services, you consent to the data practices described in this policy .

2.1 Personal Information You Provide

We collect information you voluntarily provide when you:

• Complete our online forms

• Sign up for credit repair services

• Upload documents through our onboarding process

• Communicate with us via phone, email, or text

This information may include :

• Full name and date of birth

• Contact information (email address, phone number, street address, city, state, postal code)

• Last four digits of Social Security number (for credit report verification)

• Financial information (payment card details processed through SwipeSimple)

• Credit-related information (credit reports, dispute documentation)

• Government-issued identification (driver's license or state ID)

• Proof of address (utility bills or other documentation)

When you visit our website, we may automatically collect :

• IP address and device information

• Browser type and version

• Pages you visit and time spent on our site

• Referring website addresses

• Cookies and similar tracking technologies

We may receive information about you from :

• Identity IQ (when you obtain your credit report through our affiliate link)

• Credit bureaus (Equifax, Experian, TransUnion)

• Payment processors (SwipeSimple, Systeme.io)

We use your personal information for the following purposes :

3.1 Providing Credit Repair Services

• Evaluating your credit reports to identify inaccurate information

• Preparing and sending dispute letters to credit bureaus

• Communicating with creditors on your behalf (with your authorization)

• Tracking dispute progress and outcomes

3.2 Account Management

• Creating and managing your client account in Systeme.io

• Processing payments through SwipeSimple

• Sending service-related communications

• Providing monthly statements as required by law

3.3 Communication

• Responding to your inquiries and requests

• Sending text messages about your account (with your consent)

• Providing updates about your credit repair progress

• Notifying you about policy changes

3.4 Legal Compliance

• Complying with the Credit Repair Organizations Act (CROA)

• Maintaining required records for at least two years

• Responding to lawful requests from government authorities

• Preventing fraud and unauthorized transactions

3.5 Marketing (with Opt-Out Option)

We may occasionally send you information about promotions or related services. You may opt out at any time by :

• Clicking "unsubscribe" in our emails

• Texting "STOP" to our SMS messages

• Contacting us directly

By providing your mobile number, you consent to receive text messages regarding :

• Your credit repair account and progress

• Required documentation reminders

• Important updates about your case

• Payment reminders

To opt out of text messages, reply "STOP" to any message you receive. After sending "STOP," we will confirm your opt-out via text, and you will no longer receive messages. Text "HELP" for assistance .

Message and data rates may apply.

We do not sell, rent, or trade your personal information to third parties for their marketing purposes .

We may share your information only in the following circumstances:

5.1 With Your Authorization

• Credit bureaus (Equifax, Experian, TransUnion) – to dispute items on your behalf

• Creditors and collection agencies – as part of the dispute process

• Identity IQ – when you access your credit report through our link

5.2 With Service Providers

We share necessary information with trusted partners who help us operate our business :

ProviderPurposeSysteme.ioClient management, email automation, funnel hostingSwipeSimplePayment processing (PCI-compliant)Google FormsClient onboarding and document collectionGoogle DriveSecure document storageEmail service providersClient communications

5.3 Legal Requirements

We may disclose information if required to :

• Comply with legal obligations or court orders

• Protect our rights or property

• Prevent or investigate fraud

• Ensure the safety of our clients or the public

5.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity .

Our website uses cookies and similar technologies to :

• Remember your preferences

• Understand how you interact with our site

• Improve website performance

• Enhance your user experience

You can control cookies through your browser settings. Disabling cookies may affect certain website features .

We implement reasonable security measures to protect your information :

7.1 Security Practices

• Encryption: SSL/TLS encryption for data transmission

• Access controls: Restricted access to personal information on a need-to-know basis

• Secure storage: Physical and electronic safeguards

• PCI compliance: Payment processing through SwipeSimple meets industry standards

7.2 Limitations

No method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security .

7.3 Your Role

You are responsible for maintaining the confidentiality of your account credentials .

Our website uses cookies and similar technologies to :

• Remember your preferences

• Understand how you interact with our site

• Improve website performance

• Enhance your user experience

You can control cookies through your browser settings. Disabling cookies may affect certain website features .

9.1 Access and Correction

You may request access to your personal information or correct inaccuracies by contacting us .

9.2 Deletion Requests

You may request deletion of your information, subject to legal exceptions (e.g., records we are required to maintain) .

9.3 Opt-Out Rights

• Email marketing: Click "unsubscribe" in any promotional email

• Text messages: Reply "STOP"

• Cookies: Adjust browser settings

9.4 California Privacy Rights (CCPA)

If you are a California resident, you have additional rights :

• Right to know what personal information we collect

• Right to request deletion

• Right to opt out of data sales (we do not sell data)

• Right to non-discrimination for exercising your rights

To exercise your California rights, contact us at the information below.

Our website and communications may contain links to third-party websites, including :

• Identity IQ (for credit report access)

• Google Forms (for onboarding)

• Payment processors

We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies .

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors . If we learn we have collected information from a minor, we will delete it promptly .

We may update this Privacy Policy periodically to reflect :

• Changes in our practices

• Legal or regulatory requirements

• New services or features

When we make changes, we will update the "Last Updated" date at the top of this policy. For significant changes, we may notify you by email or through a notice on our website . Your continued use of our services after changes constitutes acceptance of the revised policy.

If you have questions or concerns about this Privacy Policy or your personal information, please contact us:

Right Track CreditLife Specialists
17350 Texas 249 Access Rd. Ave. 220 Ste.239
Houston, Texas 77064

Email: rtcl@righttrackcreditlifellc.com
Phone: (832) 323-2825

By using our website and services, you acknowledge that you have read and understood this Privacy Policy and agree to the collection, use, and disclosure of your information as described herein .