Privacy Policy

1. Information We Collect

Personal Information

• Name, email address, phone number, and mailing address.
• Payment and billing information when applicable.
• Communication opt-in records, consent timestamps, and communication preferences.

Non-Personal Information

• IP address, browser type, device type, and operating-system information.
• Website usage data, analytics, referral sources, cookies, and similar technologies.

Client and Service Information

• Records of inquiries, consultations, appointments, and service requests.
• Service preferences and information voluntarily provided during onboarding or service delivery.

2. How We Use Your Information

We may use collected information to:

• Provide, operate, administer, and improve our financial consultation and educational services.
• Process transactions and payments when applicable.
• Communicate regarding consultation requests, appointments, service updates, document requests, and customer support.
• Maintain records of consent and communication preferences.
• Enhance website functionality and user experience.
• Prevent fraud, maintain security, and comply with legal obligations.

3. SMS Messaging and Compliance

Program Overview

When you expressly opt in to SMS communications, you agree to receive service-related text messages from Better Life Credit LLC, including consultation confirmations, appointment reminders, requested document notices, service updates, and customer-support communications.

Opt-In and Consent

• Messages are sent only to individuals who have expressly opted in through a written agreement, digital acknowledgment, or another documented consent method.
• Consent records and timestamps may be securely maintained.
• Consent to receive text messages is not a condition of purchasing services.

Opt-Out Instructions

You may opt out at any time by replying STOP. A confirmation message may be sent, and no further messages will be delivered unless you opt in again.

Message Frequency and Support

• Message frequency varies based on your consultation or service engagement.
• Messages are service-related and are not promotional unless separate consent is obtained.
• Reply HELP for assistance or email [email protected].
• Message and data rates may apply.
• Wireless carriers are not responsible for delayed or undelivered messages.

SMS Data Protection Statement

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information may be disclosed to service providers solely to support operations such as customer service or message delivery and subject to appropriate confidentiality obligations. Text messaging opt-in data and consent records are not sold or disclosed for unrelated purposes.

4. Information Sharing and Disclosure

We do not sell or rent personal information. Information may be disclosed to:

• Service providers: Vendors that assist with payments, scheduling, communications, hosting, analytics, or operational support.
• Legal authorities: When required by law, court order, or valid legal process.
• Business transfers: In connection with a merger, acquisition, restructuring, or sale of assets, subject to applicable law.

Text messaging opt-in data and consent records are excluded from sharing for marketing or promotional purposes.

5. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect information, which may include access controls, authentication practices, secure backups, staff training, and appropriate technical protections. No security system can guarantee absolute protection.

6. Cookies and Tracking Technologies

We may use cookies and similar technologies to analyze traffic, remember preferences, and improve website functionality. You may control cookies through your browser settings, although disabling them may affect some website features.

7. Your Rights and Choices

Subject to applicable law, you may request access to, correction of, or deletion of certain personal information; withdraw consent for future communications; opt out of email through an unsubscribe method; or opt out of SMS by replying STOP.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their content or privacy practices. This Privacy Policy applies only to information collected by Better Life Credit LLC.

9. Policy Updates

We may update this Privacy Policy periodically. The current version will be posted on our website with its revised effective date.

10. Contact Information