Privacy Policy for ID Legacy Enterprise II

Effective Date: January 1, 2025

1. Our Commitment to Your Privacy

ID Legacy Enterprise II ("we," "us," "our") is dedicated to protecting the privacy and confidentiality of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you visit our website (the "Site") or use our credit repair and funding services (the "Services").

We are committed to securing your Nonpublic Personal Information (NPI) in compliance with all applicable federal and state laws, including the Gramm-Leach-Bliley Act (GLBA).

2. Information We Collect

We collect information about you in several ways, including directly from you, from your use of our Services, and from third-party sources.

A. Information You Provide to Us:

Contact Information: Name, email address, phone number, and mailing address.

Identity Verification Information: Date of birth, Social Security Number (SSN), and copies of identification (like a driver's license or utility bill).

Financial Information: Information about your income, debts, accounts, and financial goals.

Credit Report Information: To provide our Services, we will obtain your credit reports on your behalf, which include detailed information about your credit history, payment history, and public records.

Communications: Any information you provide when you contact us via email, phone, or our website's contact forms.

B. Information We Collect Automatically:

Cookies and Tracking Data: When you visit our Site, we may automatically collect technical information, such as your IP address, browser type, device information, and pages you visited. This helps us improve our website's functionality.

3. How We Use Your Information

We use your information for specific, clearly defined purposes:

To Provide and Manage Your Services: This is our primary use. We use your SSN, credit report data, and personal details to:

Pull your credit reports from Equifax, Experian, and TransUnion.

Analyze your credit profile for inaccurate, unfair, or unverified items.

Prepare and send dispute letters and challenges to credit bureaus and creditors on your behalf.

Monitor your credit profile for changes and updates.

Communicate with you about the status of your case.

To Assess Funding Opportunities: We use your financial information and restored credit profile to identify and pre-qualify you for personal or business funding products.

To Communicate With You: To respond to your inquiries, provide customer support, send you service-related updates, and deliver our free educational guides (lead magnets).

For Marketing: With your consent, we may send you emails about our services, special offers, or financial education tips. You may opt out of marketing communications at any time.

4. How We Share Your Information

Your trust is paramount. We do not sell your personal information to third parties.

We only share your information in the following limited and necessary circumstances:

With Credit Bureaus and Creditors: We must share your personal information (including name, address, SSN, and dispute details) with the credit bureaus (Equifax, Experian, TransUnion) and your creditors to challenge items on your behalf. This is essential to performing our service.

With Our Service Providers: We may share information with trusted third-party vendors who perform services for us, such as our CRM, email provider, or secure document management system. These vendors are contractually bound to protect your data and cannot use it for their own purposes.

For Legal and Compliance Reasons: We may disclose your information if required by law, such as in response to a subpoena, court order, or government investigation, or to comply with our obligations under CROA, GLBA, or other applicable laws.

With Your Explicit Consent: For any other purpose, we will first ask for your explicit, written consent.

5. Data Security (Our Safeguards)

We take the security of your Nonpublic Personal Information very seriously. We implement reasonable administrative, technical, and physical safeguards to protect your data from unauthorized access, use, or disclosure.

Technical Safeguards: We use SSL encryption (https://) on our Site, secure servers, and firewalls.

Administrative Safeguards: Access to your sensitive personal information (like your SSN) is strictly limited to trained employees who have a legitimate business need to access it.

Physical Safeguards: We maintain secure physical files and facilities to protect any paper-based records.

Disclaimer: While we implement robust security measures, no system is impenetrable. We cannot guarantee the absolute security of any information transmitted to or from our Site.

6. Your Privacy Rights

You have rights regarding your personal information. Subject to local laws, you may have the right to:

Access: Request a copy of the personal information we hold about you.

Correction: Request that we correct any inaccurate or incomplete information.

Deletion: Request that we delete your personal information, subject to our legal and contractual retention obligations. (Note: We are legally required to maintain client files for a specific period).

Opt-Out: You may opt out of our marketing emails at any time by clicking the "Unsubscribe" link in the footer of the email.

To exercise these rights, please contact us at [email protected].

7. Children's Privacy

Our Services are not intended for or directed at children under the age of 18. We do not knowingly collect personal information from individuals under 18.

8. Third-Party Links

Our Site may contain links to other websites (like our social media pages). This Privacy Policy does not apply to those third-party sites. We encourage you to read the privacy policies of any site you visit.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by posting the new policy on this page and updating the "Effective Date" at the top.

10. Contact Us

If you have any questions, concerns, or complaints about this Privacy Policy or our data practices, please contact us:

ID Legacy Enterprise II Attn: Privacy Compliance Officer 1056 Beverly Road Brooklyn, NY 11226 Email: [email protected]