800 Credit Collective LLC, d/b/a 800 Credit Collective™ ("800 Credit Collective," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit 800creditcollective.com (the "Site"), create a member account, download our free resources, purchase a product from our store, enroll in the Credit Mastery Course, book a 1-on-1 coaching session, participate in our community, or otherwise interact with 800 Credit Collective™ (collectively, the "Services").

By using our Services, you agree to the collection and use of information as described in this policy. If you do not agree, please do not use our Services.

1. Information We Collect

Account and registration information: when you create a member login account, we collect your name, email address, and password (stored in encrypted form by our platform provider).

Contact and inquiry information: name, email address, and phone number when you use our Contact page, request information, or reach out about the Education Hub, Funding & Credit Suite, Business Suite, Credit Mastery Course, or coaching sessions.

Free resource downloads: when you download the 800 Credit Collective Toolkit (Monthly Budget Planner, DIY Credit Repair Tracker, Debt Payoff Calculator & Tracker, Credit Monitoring Log, and Dispute Letter Swipe File) or any other free guide, we collect your name and email address.

Purchase and order information: when you buy a digital product, course, or book a coaching session through our store or checkout, our commerce platform (Squarespace Commerce) and payment processor collect billing name, billing address, and payment card details. We do not directly store full payment card numbers.

Coaching session information: if you book a 1-on-1 advisor session, we collect scheduling details, contact information, and any notes or information you voluntarily share about your credit or financial situation during the session, solely to provide the educational guidance you requested.

Community and course activity: if you join our Elite Community or enroll in the Credit Mastery Course, we collect the content you post, comment, or submit within those spaces, along with your course progress and engagement data.

Automatically collected information: IP address, browser and device type, pages visited, time on page, referring/exit URLs, and similar usage data, collected through cookies, pixels, and analytics tools (including tools built into our Squarespace platform).

Blog and content engagement: if you comment on or interact with our Blog, we collect the information you submit with that comment (such as name and email).

Social and platform data: if you engage with us on TikTok, TikTok Shop, Facebook, LinkedIn, or other platforms, those platforms may share limited engagement or profile data with us according to their own privacy policies.

2. How We Use Your Information

We use the information we collect to:

• Create and manage your member account and login credentials
• Deliver purchased digital products, toolkits, courses, and program materials
• Schedule, confirm, and follow up on 1-on-1 coaching sessions
• Operate and moderate the Elite Community and course platforms
• Respond to inquiries submitted through our Contact page
• Process orders, payments, and requested refunds through our commerce and payment providers
• Send free resources (such as the 800 Credit Collective Toolkit) you request
• Send newsletters, educational content, and promotional communications (you may opt out at any time)
• Improve our Site, curriculum, tools, and partner recommendations
• Maintain records for accounting, tax, and legal compliance
• Detect, investigate, and prevent fraud, abuse, or unauthorized access

3. Cookies and Analytics

Our Site, which is built on Squarespace, uses cookies and similar tracking technologies to recognize returning visitors, remember your cart and login session, and understand how visitors use the Site. We may also use analytics tools to measure traffic and engagement across our Home, About, Education Hub, Funding & Credit Suite, Business Suite, Blog, and Contact pages. You can adjust your browser settings to limit or block cookies, though some features (such as staying logged in or maintaining an active cart) may not function properly as a result.

4. Third-Party Service Providers and Affiliate Partners

We work with third-party providers to operate our Services, including our website host and commerce platform (Squarespace), email service provider, and payment processors. These providers process information solely on our behalf and in accordance with their own privacy and security practices.

Our Funding & Credit Suite and Business Suite pages feature curated third-party partners across categories including Credit Monitoring (such as SmartCredit, IdentityIQ, and MyScoreIQ), Business Formation (such as Northwest Registered Agent, Tailor Brands, and LegalZoom), Business Banking (such as Chase Business Checking, Bluevine, and Novo), Business Software (such as QuickBooks, FreshBooks, and Zoho Books), and Funding & Lending (such as Nav, Fundbox, and Credibly). Many of these listings are affiliate links, meaning 800 Credit Collective™ may earn a commission if you sign up or make a purchase through them, at no additional cost to you. When you click through to a partner's site, that partner's own privacy policy and terms govern any information you provide to them. We do not control, and are not responsible for, the privacy practices of these third parties.

5. How We Share Your Information

We do not sell your personal information. We may share information with:

• Service providers who help us operate our business (hosting and commerce platform, payment processors, email and scheduling tools)
• Legal or regulatory authorities, when required by law, subpoena, or to protect our legal rights
• A successor entity, in the event of a merger, acquisition, financing, or sale of business assets
• Other members, only where you voluntarily post content within the Elite Community or course discussion areas

6. Data Retention

We retain personal information for as long as reasonably necessary to provide our Services, maintain your account, comply with legal and tax obligations, resolve disputes, and enforce our agreements. If you request account deletion, we will remove or de-identify your information except where retention is required by law or for legitimate business records.

7. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your personal information, and we rely on the security measures built into our hosting, commerce, and payment platforms. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

8. Your Privacy Choices and Rights

You may:

• Update or correct your account information by logging into your member account
• Unsubscribe from marketing emails using the link in any email we send
• Request access to, correction of, or deletion of your personal information
• Request a copy of the personal information we hold about you

Depending on your state of residence, you may have additional statutory privacy rights. To exercise any of these rights, contact us using the information in Section 12 below.

9. Sensitive Financial Information You Choose to Share

Certain parts of our Services, including coaching sessions, dispute tracking tools, and community discussions, may involve you voluntarily sharing details about your credit reports, accounts, or financial situation. We use this information only to provide the educational guidance or tool functionality you requested, and we do not sell or rent this information to third parties. You control how much detail you choose to share with us at any time.

10. Children's Privacy

Our Services are intended for individuals 18 years of age or older and are not directed to children. We do not knowingly collect personal information from anyone under 18. If we learn that we have collected information from a minor, we will take steps to delete it promptly.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our Services, such as the launch of the Credit Mastery Course, FullCredit Sweep, or new partner integrations. Any changes will be posted on this page with a revised effective date. Your continued use of our Services after changes are posted constitutes your acceptance of the updated policy.

12. Contact Us

If you have questions about this Privacy Policy or want to exercise your privacy rights, please contact us at:

800 Credit Collective™
Chicago, Illinois
Website: 800creditcollective.com/contact

Elite Credit. Strategic Funding. Generational Wealth.
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