Privacy Policy for HL Hunt Credit Builder
HL Hunt Credit Builder (“we,” “us,” “our”) values the privacy of our users and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us through other means (collectively referred to as “Services”). Please read this policy carefully to understand our views and practices regarding your personal data and how we will treat it.
By using our Services, you agree to the collection, use, and sharing of your information as outlined in this Privacy Policy. If you do not agree with this policy, please refrain from using our Services.
1. Information We Collect
We collect the following types of information:
1.1 Personal Information
Personal information refers to any information that can be used to identify you, either directly or indirectly. We collect personal information when you register an account, use our services, or interact with us.
- Account Information: When you create an account, we collect your name, email address, phone number, physical address, and other contact details.
- Payment Information: To process payments, we may collect your payment method details, including credit card numbers, billing addresses, and related financial information.
- Identification Information: We may collect government-issued identification details, including your Social Security Number (SSN) or other identifiers, as required to verify your identity and process credit building activities.
- Device and Usage Information: Information about your device, including your IP address, browser type, operating system, and device identifiers, is collected when you access our website or use our services.
- Geolocation Data: If you enable location services, we may collect data related to your geographic location to enhance our services.
1.2 Non-Personal Information
Non-personal information includes data that does not directly identify you. This can include:
- Aggregated Data: Information related to your use of our services in a manner that does not identify individual users.
- Cookies and Tracking Technologies: We use cookies, web beacons, and similar tracking technologies to gather information about your browsing activity and interactions with our services.
2. How We Use Your Information
We use the information we collect for the following purposes:
- To Provide and Improve Our Services: We use your information to deliver the services you request, including credit building tools, educational resources, and personalized financial advice.
- To Process Payments and Transactions: Your payment information is used to process charges for services, handle refunds, and manage billing.
- To Verify Identity and Prevent Fraud: We may use your identification information to verify your identity and detect and prevent fraudulent activities.
- To Communicate with You: We use your contact information to send you updates, notifications, and promotional offers related to our services, as well as respond to your inquiries and requests.
- To Customize Your Experience: We may personalize the content, offers, and recommendations we present to you based on your preferences and activity.
- To Improve Our Services: We analyze usage data and customer feedback to enhance the functionality and user experience of our website and mobile applications.
- For Legal Compliance: We may use your information to comply with legal obligations, enforce our Terms of Service, and protect our rights and the safety of others.
3. How We Share Your Information
We do not sell, trade, or rent your personal information to third parties. However, we may share your information with the following entities for the purposes described in this Privacy Policy:
3.1 Service Providers
We may share your information with trusted third-party service providers who assist us in performing business operations such as payment processing, customer support, data hosting, and marketing.
3.2 Business Partners
We may share information with our business partners to provide you with additional services that complement our offerings, such as credit scoring services or financial education resources.
3.3 Legal and Regulatory Requirements
We may disclose your information if required by law, regulation, or legal process, including complying with subpoenas, court orders, or other legal obligations. This may also include sharing your information with law enforcement agencies to investigate or prevent criminal activities.
3.4 Corporate Transactions
In the event of a merger, acquisition, or sale of all or a portion of our business, your information may be transferred as part of the transaction. In such cases, we will provide notice before your information is transferred and becomes subject to a different privacy policy.
3.5 Aggregated Data
We may share non-personally identifiable information, such as aggregated statistics, with third parties for research, marketing, or promotional purposes.
4. Data Security
We implement reasonable technical, organizational, and physical measures to protect your personal information from unauthorized access, loss, misuse, alteration, or disclosure. While we strive to protect your data, no security system is entirely foolproof, and we cannot guarantee the absolute security of your information.
5. Data Retention
We retain your personal information for as long as necessary to provide you with our services and comply with legal obligations. After this period, your data will be deleted or anonymized unless otherwise required by applicable law.
6. Your Rights and Choices
6.1 Access and Correction
You have the right to access, correct, update, or delete your personal information that we hold. You can do this by logging into your account or contacting us at [email address/contact form].
6.2 Opt-Out of Communications
You can opt-out of receiving promotional emails or marketing communications by following the unsubscribe instructions included in the communication or by contacting us directly.
6.3 Do Not Track
We do not currently respond to “Do Not Track” signals from web browsers.
6.4 Data Portability
You may request a copy of your personal data in a structured, commonly used, and machine-readable format.
7. Cookies and Tracking Technologies
We use cookies and similar technologies to collect information about your browsing behavior on our website and apps. Cookies are small files stored on your device that help us improve user experience, analyze trends, and track activity.
You can control the use of cookies through your browser settings, including opting out of certain types of tracking technologies. However, disabling cookies may impact your experience with our Services.
8. International Data Transfers
Your personal information may be transferred, processed, and stored in countries outside your country of residence, including the United States, where our servers and service providers are located. These countries may have different data protection laws than those in your home country. By using our Services, you consent to the transfer of your data as described in this Privacy Policy.
9. Children’s Privacy
Our Services are not intended for individuals under the age of 18, and we do not knowingly collect or solicit personal information from children. If we become aware that a child under the age of 18 has provided us with personal information, we will take steps to delete such information.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes to this policy will be posted on this page with the updated effective date. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.