Effective Date: 30-11-2025

Integrity Credit Academy (“we,” “us,” “our”) respects your privacy. This Privacy Policy explains how

we collect, use, store, and protect your information when you visit our website, use our portals, or

purchase our products and services. By using our website or providing your information to us, you

agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect the following types of information:

1.1 Information You Provide Directly

When you fill out forms on our website, request information or a consultation, purchase services or

digital products, create or access a client portal account, or communicate with us by email, phone, or

chat, you may provide information such as:

• Name

• Email address

• Phone number

• Mailing address (if provided)

• Basic credit information you share (e.g., score range, goals)

• Information about your financial or credit situation that you voluntarily provide

• Uploaded documents (e.g., ID, credit reports, letters, bank letters, or related documents)

Note: We do not want you to send your full Social Security Number through basic website forms or

email. Where sensitive information is needed, we will direct you to a more secure method or portal.

1.2 Automatically Collected Information

When you visit our website, certain information may be collected automatically, such as:

• IP address

• Browser type and version

• Device type (mobile, desktop, tablet)

• Pages visited and time spent on each page

• Referring URL (which site or link sent you here)

This type of data is generally collected through cookies, pixels, and analytics tools. This helps us

understand how visitors use our site and improve performance and user experience.2. How We Use Your Information

We use the information we collect for purposes such as:

• To provide and deliver the products and services you request

• To review your situation and determine what services are appropriate

• To create and manage your client file or portal access

• To communicate with you about your account, service updates, and important notices

• To send you information about services, offers, or updates (you can opt out of marketing emails at any

time)

• To respond to questions, support requests, and inquiries

• To process payments and maintain billing records

• To improve our website, services, and user experience

• To comply with legal, regulatory, or contractual obligations

3. Cookies and Tracking Technologies

We may use cookies and similar technologies to remember your preferences, analyze site traffic and

usage, and improve site performance and functionality. You can usually control cookies through your

browser settings. If you block or delete cookies, some parts of the site may not function properly.

4. How We Share Your Information

We may share your information with trusted third parties in the following situations:

4.1 Service Providers

We may share information with service providers that help us operate our business, such as payment

processors, client portal platforms, email tools, website hosting, analytics providers, and secure

form/document tools. These providers receive only the information necessary to perform their services

and are expected to protect it.

4.2 Legal and Compliance

We may disclose information if required to comply with a law, regulation, subpoena, or legal request;

respond to lawful requests by public authorities; protect our rights, property, or safety, or that of our

clients or others; or support the defense or handling of chargebacks, disputes, or legal claims.

We do not sell your personal information as a business model.

5. Data SecurityWe take reasonable steps to protect your information from unauthorized access, use, or disclosure,

including using secure platforms and tools where appropriate, limiting access to client information to

authorized personnel and systems, and encouraging secure document sharing when sensitive data is

involved. However, no system or transmission over the internet is 100% secure. We cannot guarantee

absolute security, but we are committed to maintaining a responsible level of protection.

6. Data Retention

We may retain your information for as long as you are a client or your account is active; as long as it is

reasonably necessary to provide services and maintain records; as long as it is required for legal, tax,

accounting, or regulatory purposes; or as needed to document service delivery, disputes, or compliance.

When information is no longer needed, we may delete, anonymize, or securely store it according to our

internal policies.

7. Email and Communication Preferences

We may send you service-related emails (such as updates, notices, and requests for documents),

transactional emails (such as receipts and confirmations), and occasional marketing or educational

emails (such as tips, promotions, and updates). You can opt out of marketing emails at any time by

following the unsubscribe link in the email. You cannot opt out of essential service or account-related

emails while you are an active client, since those are necessary to deliver services.

8. Access, Updates, and Your Rights

Depending on your location and applicable law, you may have the right to request access to the

personal information we hold about you; request correction of inaccurate or incomplete information;

request deletion of certain information, subject to legal or contractual limitations; or request that we

limit or stop certain processing activities where applicable.

To make a request, contact us using the email listed in the “Contact Us” section below. We may take

steps to verify your identity before fulfilling your request.

9. Children’s Privacy

Our website and services are not directed to children under the age of 18. We do not knowingly collect

personal information from children under 18. If we learn that we have collected information from a

child under 18, we will take reasonable steps to delete it.

10. Third-Party Websites and Links

Our website may contain links to third-party sites or services that we do not control. We are not

responsible for the privacy practices, content, or policies of those third-party sites. If you choose to visit

those sites, you do so at your own risk and should review their privacy policies.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will update the “Effective

Date” at the top of this page. Your continued use of our website or services after changes are posted constitutes your acceptance of the updated policy.

12. Contact Us

If you have questions about this Privacy Policy or how your information is handled, you may contact us

at: