1. What Information We Collect We collect the following: Name, DOB, and SSN (with consent) Email and phone number Address and credit report info Billing and payment data Communication preferences 2. How We Use It We use your info to: Provide credit education and consulting Prepare documents Contact you by SMS, phone, or email Process payments Comply with legal requirements (CROA, FCRA) 3. SMS and Email Consent By submitting your contact info, you consent to receive text messages and emails. You may unsubscribe at any time. 4. Data Sharing We do not sell your data. We may share it with: Credit bureaus (with your permission) Payment processors (e.g., Stripe/Square) SMS/email providers (e.g., Twilio, Mailchimp) Legal or government entities (if required) 5. Payment Policy Payments are securely processed. Clients are billed a setup/onboarding fee only. No fees are charged for credit repair services. All payments become non-refundable after three (3) business days from the date of payment. 6. Data Security We store all information securely using encrypted systems and restrict access to authorized staff only. 7. Your Rights You may request access to or correction of your data at any time. You may cancel services by written notice. 8. Cookies and Tracking Our website may use cookies for functionality and analytics. You may disable cookies in your browser. 9. Minors We do not knowingly collect or store data for individuals under 18 years old. 10. Updates We may update this policy. Updates will be published with a new effective date. We are a preparation and solutions service, we are committed to safeguarding your privacy. This Privacy Policy applies to our website (www.beyondereditlimits.com) and outlines how we collect and use your personal data. By using our website, you consent to our data practices as described in this statement. Collection of Personal Information We may collect personally identifiable information from you, such as your name, date of birth, current and previous addresses, and other relevant information related to the preparation and solution of your in-depth assessment. Additionally, we may collect anonymous demographic information such as your age, city, and state. We may also gather personal or non-personal information in the future. We may automatically collect information about your computer hardware and software, such as your IP address, browser type, domain names, access times, and referring website addresses. This information is used for the operation of the service, to maintain quality, and to provide general statistics regarding the use of our website. Use of Personal Information We use your personal information to operate our website and deliver the services you have requested. We may also use your personally identifiable information to inform you of other products or services available from Beyond Credit Limits and its affiliates. We may contact you via surveys to conduct research about your opinion of current services or potential new services that may be offered. We do not sell, rent or lease our customer lists to third parties. We may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Beyond Credit Limits and are required to maintain the confidentiality of your information. Use of Cookies We may use “cookies” to personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. They are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you. The primary purpose of cookies is to provide a convenience feature to save you time. Cookies help us recall your specific information on subsequent visits, such as billing addresses and shipping addresses, to simplify the process of recording your personal information. You have the ability to accept or decline cookies