Legal Policies

Privacy Policy

Last Updated: 06/26/2025

Introduction

UpCredit LLC ("Company," "we," "us," or "our") respects your privacy 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 or engage with our services.

Information We Collect

We may collect the following types of personal data:

Personal Information:

Here's some stuff
Name
Email address, mailing address, and phone number
Date of birth
Passport, national ID, or driver's license
Social Security Number (SSN), Individual Taxpayer Identification Number (ITIN), or Employer
Identification Number (EIN)
Business financial records and formation documents
Bank account information
Credit reports and scores (with your consent)
Any other information you voluntarily provide

Non-Personal Information

We may also collect technical data such as:

IP address, browser type/version, and device information
Site usage metrics such as pages viewed and session length

How We Use Your Information

We use your information to:

Provide business funding and credit consulting services
Deliver credit repair and credit optimization support
Perform eligibility and risk assessments
Submit applications to our funding partners and financial institutions
Improve our services and user experience
Communicate updates, statuses, and offers
Conduct internal audits and compliance reviews
Prevent fraud and unauthorized activity

Legal Basis for Data Processing

We process your data in accordance with applicable laws, including:

Gramm-Leach-Bliley Act (GLBA): Ensuring confidentiality of financial information
Fair Credit Reporting Act (FCRA): Handling credit data with proper consent
California Consumer Privacy Act (CCPA): Granting rights to California residents
Federal Trade Commission Act (FTC Act): Upholding transparent consumer practices

We also require third-party service providers to comply with all relevant data protection laws.

Your Privacy Rights

Depending on your jurisdiction, you may have the right to:

Access: Request a copy of the personal data we hold about you
Correction: Request updates to any inaccurate or incomplete data
Deletion: Request removal of your personal information (unless legally restricted)
Opt-Out: Decline marketing communications or data sharing

To submit a request, please contact us at:

Email: [email protected]

Phone: +1 (786) 726-7370

Data Retention

We retain personal data only for as long as necessary to fulfill our service obligations and comply with legal or regulatory requirements. If you end your engagement with us, we may still retain information as needed to meet our obligations under law.

Data Security

We maintain administrative, technical, and physical safeguards to protect your data, including:

Secure servers and encrypted communication
Role-based system access
Continuous monitoring and audits
Staff confidentiality agreements

Note: While we follow industry best practices, no system is 100% secure.

Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect data from minors. If we discover such data has been submitted, we will delete it immediately.

Cookies & Tracking Technologies

We use cookies and other tracking tools to:

Improve website performance
Analyze visitor behavior
Customize user experience

You can disable cookies in your browser settings. Doing so may affect some site functions.

Third-Party Links

Our website may include links to external websites or platforms. We are not responsible for their privacy policies or practices.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page, and the “Last Updated” date will reflect the latest version. Continued use of our services means you accept the revised policy.