California Consumer Privacy Rights

Your Data, Your Control

For California Residents Only

Educate and Restore Credit, LLC
Effective: August 1, 2025 | Last Updated: August 1, 2025

This notice explains your privacy rights under California law, including the California Consumer Privacy Act (CCPA). We believe in transparency and want you to understand exactly how we handle your personal information.

What Information Do We Have About You?

We've collected the following categories of personal information in the past 12 months:

Information We Collect

CategoryWhat This IncludesWe Collect This Personal IdentifiersName, address, email, SSN, IP address, account info Yes Contact & Financial RecordsPhone numbers, bank accounts, employment details Yes Demographic InformationAge, gender, marital status, military status Yes Purchase & Service DataServices you've used or considered Yes Online ActivityWebsite visits, clicks, search history Yes Location InformationGeneral geographic location Yes Data InsightsProfiles based on your preferences and behaviors Yes

Information We Don't Collect

• Biometric Data (fingerprints, facial recognition)
• Audio/Video Recordings (unless you specifically provide them)
• Employment Records (beyond basic employment verification)
• Education Records (school transcripts, grades)

Where Does This Information Come From?

We gather your information through:

Direct Sources

• Forms you fill out on our website
• Phone calls and emails with our team
• Account setup and service applications

Digital Sources

• Your website browsing activity
• Cookies and tracking technologies
• Social media interactions

Third-Party Sources

• Credit bureaus and reporting agencies
• Marketing partners and analytics providers
• Public records and databases

How We Use Your Information

We use your personal information to:

Primary Business Functions

• Provide credit education and restoration services
• Process payments and manage your account
• Communicate about your services and account
• Verify your identity and prevent fraud

Service Improvement

• Analyze usage patterns to improve our website
• Personalize your experience and recommendations
• Conduct research and development

Legal & Security

• Comply with legal requirements and regulations
• Protect against fraud and security threats
• Respond to legal requests and court orders

Who We Share Your Information With

Business Partners (Information Shared)

• Affiliated Companies - Related businesses under common ownership
• Service Providers - Companies that help us operate (payment processors, IT support)
• Analytics Partners - Google Analytics and similar platforms
• Data Aggregators - Companies that compile consumer information

Marketing Partners (Information Sold)

We may sell certain information to:

• Financial Service Providers - Lenders, debt relief companies
• Advertising Networks - For targeted marketing campaigns
• Marketing Partners - For promotional opportunities

Important: Once sold, your information is subject to the other company's privacy practices.

Your California Privacy Rights

1. Right to Know

What you can request:

• Complete list of personal information we have about you
• Categories of information we've collected
• Why we collected it and how we use it
• Who we've shared or sold it to

2. Right to Delete

What you can request:

• Deletion of your personal information from our systems
• Note: Some information may be retained for legal compliance or fraud prevention

3. Right to Opt-Out of Sales

What you can do:

• Stop us from selling your personal information to third parties
• This doesn't affect information sharing for business operations

4. Right to Non-Discrimination

We promise not to:

• Deny you services for exercising your rights
• Charge you different prices
• Provide lower quality service
• Retaliate in any way

How to Exercise Your Rights

Opt-Out of Information Sales

Quick Action Required:

Online: [DO NOT SELL MY PERSONAL INFORMATION] ← Click Here

Phone: 1-877-XXX-XXXX

Request Information or Deletion

Method 1: Online Form
Visit: [Insert updated URL for request form]

Method 2: Email
Send to: [email protected]
Subject: "California Privacy Rights Request"

Method 3: Phone
Call: 1-877-XXX-XXXX

What to Include in Your Request

• Your full name and contact information
• Account number (if you have one)
• Specific request (access, deletion, or opt-out)
• Proof of California residency

What Happens Next?

Verification Process

• We'll verify your identity using information we have on file
• May require additional verification for sensitive requests
• Process typically takes 2-5 business days

Response Timeline

• Standard Response: 45 days
• Complex Requests: Up to 90 days (we'll notify you if extension needed)
• Urgent Requests: We'll prioritize when possible

Request Limits

• You can make 2 access requests per 12-month period
• No limit on deletion or opt-out requests
• No account creation required to make requests

Additional California Privacy Information

"Do Not Track" Signals

Currently, we don't respond to browser "Do Not Track" settings, but you can opt-out of sales using the methods above.

Shine the Light Law Rights

You can request information about how we share your data with third parties for their marketing purposes.

To Request: Email [email protected]
Subject Line: "CA Shine the Light Privacy Request"

Questions or Concerns?

Privacy Team Contact

Email: [email protected]
Phone: 1-877-XXX-XXXX
Mail: [Insert updated mailing address]

Business Hours: Monday-Friday, 9 AM - 6 PM PST
Response Time: 24-48 hours for email inquiries

Updates to This Notice

We may update this privacy notice as laws change or our practices evolve. When we make material changes:

• We'll post the updated notice on our website
• We'll update the "Last Updated" date at the top
• We may send you a notification about significant changes
• Your continued use of our services means you accept the updates

Legal Framework

This notice is designed to comply with:

• California Consumer Privacy Act (CCPA)
• California Privacy Rights Act (CPRA)
• California Shine the Light Law
• Gramm-Leach-Bliley Act (GLBA)

Your privacy matters to us. We're committed to protecting your personal information and respecting your rights as a California consumer.

© 2025 Educate and Restore Credit, LLC. All rights reserved.