Privacy Policy

Last Updated February 28, 2023.

Your online privacy is important to Limitless Credit Strategies LLC. The purpose of this privacy policy is to provide you with information about our practices with respect to the personal data that we collect from users of our website (hereafter referred to as "Site", “Service”, or “Services”) and the services that are made available through the Site. Please email us at [email protected] if you have any questions concerning our privacy policy, our data collection policies, how we handle user information, or if you want to immediately report a security breach.

We value your privacy and want to be transparent with you in the way that we collect and use your personal information. We also want you to know your rights in relation to your personal information.

This Privacy Policy tells you what to expect when we collect and use your personal information. We strive to make it simple and easy for you to read and find the information that is most relevant to you.

This Privacy Policy describes how this personal data must be collected, handled, and stored to meet our data protection standards and to comply with the law.

This Privacy Policy ("Policy") together with our Terms and Conditions (“Terms”) and any other documents referred to in it, governs the basis of our collection, storage, and use of personal information collected by Limitless Credit Strategies LLC. We are always looking to improve the information we provide to our users so if you have any feedback on this Policy, please let us know by emailing us at [email protected]

Limitless Credit Strategies LLC (“us,” “we,” or “our”) is committed to protecting your privacy. This Policy explains how we collect, use, disclose, and protect your personal information in accordance with the California Consumer Privacy Act of 2018 (“CCPA”).

This page aims to help users understand what information might be collected from you when visiting and using our Site, and how we protect such information. The reason for this is that in keeping with the CCPA (and all other laws relating to the use of your personal data, both now and in the future), we are the “data controller”, meaning that we are responsible for deciding how your personal data is used and, more importantly, for keeping your personal data safe and only using it for legitimate reasons.

We are committed to protecting your privacy and will take all steps necessary to comply with our legal obligations when using your personal data so please read through this document carefully to understand the ways in which we safeguard your personal data.

Consent

By using this Site, you agree to the terms of this Policy. Whenever you submit information via our Site, you consent to the collection, use, and disclosure of that information in accordance with this Policy. If you do not agree with any term in this Policy, please do not use our Services or give us your information. This Policy applies to all visitors, users, and registered members.

1. What Information We Collect

Limitless Credit Strategies LLC actively and directly collects information from you when you: create an online account, create a search, sign up for our newsletter, give a rating or review, take a survey, fill out an online form, enter a promotion, or engage with us.

Some information you submit may be personally identifiable information that can be uniquely identified with you such as full name, address or location, email address, phone number, etc. Some areas of the Site may require you to submit information for you to benefit from a wide range of exclusive features (such as email alerts or information requests). You will be informed at each information collection point on what information is required and optional.

We collect the following information from you and about you:

  • Contact Information: We may ask about your personal information such as name, address or location, telephone or mobile number, or email address.
  • Information You Share and Submit: We collect information that you choose to share.
  • Log Files: As is true of most websites, we gather certain information automatically and store it in log files. This information includes IP addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. We use this information to maintain and improve the performance of the Services.
  • Analytics: We use analytics services (including, but not limited to, Google Analytics) to help analyze how users use the Site. Analytics services use cookies to collect information such as how often users visit the Site and we use the information to improve our Site and Services. The analytics services' ability to use and share information collected by them is restricted by their terms of use and privacy policy, which you should refer to for more information about how these entities use this information.
  • Location Information: If you have enabled location services on your mobile device, we may collect your location information to improve the Services we offer. This enables us to provide location-based services. If you wish to change our access or permissions, you may do so in your device’s settings.
  • Cookies: “Cookies” are small pieces of information (text files) that a website sends to your computer’s hard drive while you are viewing the website. These text files can be used by websites to make the users' experience more efficient. The law states that we can store these cookies on your device if they are strictly necessary for the operation of this Site. For all other types of cookies, we need your permission. To that end, this Site uses different types of cookies. Some cookies are placed by third-party services that appear on our pages. We and some third parties may use both session Cookies (which expire once you close your web browser) and persistent Cookies (which stay on your computer until you delete them) to provide you with a more personal and interactive experience on our Services and to market the Services. Marketing cookies are used to track visitors across websites. The intention is to display ads that are relevant and engaging for the individual user and thereby more valuable for publishers and third-party advertisers. This tracking is done on an anonymous basis and, while not an exhaustive list, some of the companies we work with are Google, AppNexus, Criteo, Rubicon, Pubmatic, and DistrictM.

2. Use of Your Personal Information

In general, the personal information you submit to us is used either to respond to requests that you make, aid us in serving you better, or market our Services. We use your personal information in the following ways:

  • Operate, maintain, and improve our Site’s services;
  • Respond to comments and questions and provide customer service;
  • Fulfill and manage our services;
  • Resolve disputes and troubleshoot problems;
  • Assist law enforcement and respond to subpoenas;
  • Prevent fraudulent transactions, monitor against theft, and protect against criminal activity.

Your personal information may be kept and processed on servers in the United States. We may also create anonymous data records from your personal information by completely excluding information (such as your name) that makes the data personally identifiable to you. We use this anonymous data to analyze requests and usage patterns so that we may enhance the content of our Services and improve Site functionality. We reserve the right to use anonymous data for any purpose and disclose anonymous data to third parties at our sole discretion.

We may receive testimonials and comments from users who have had positive experiences with our Services. We may publish such content. When we publish this content, we may identify our users by their first and last names. We obtain the user's consent prior to posting this information along with the testimonial.

3. Disclosure of Your Personal Information

We disclose your personal information as described below and as described elsewhere in this Policy.

Third Parties Designated by You: When you use the Services, the personal information you provide will be shared with the third parties that you authorize to receive such information.

Third-Party Service Providers: We may share your personal information with third-party service providers to: provide you with the Services that we offer you through our Services; conduct quality assurance testing; provide technical support; market the Services; and/or provide other services to us.

Information We Share: We may disclose aggregated information about our users and information that does not identify any individual without restriction. In addition, we may disclose personal information that we collect or you provide:

  • To fulfill the purpose for which you provide it, for any other purpose disclosed by us when you provide the information, or with your consent;
  • To third parties designated by you;
  • With our subsidiaries and affiliates;
  • With contractors, service providers, and other third parties we use to support our business;
  • To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about users is among the assets transferred.

Other Disclosures: Regardless of any choices you make concerning your personal information (as described below), Limitless Credit Strategies LLC may disclose personal information if it believes in good faith that such disclosure is necessary: (i) in connection with any legal investigation; (ii) to comply with relevant laws or to respond to subpoenas or warrants served on our company; (iii) to protect or defend the rights or property of Limitless Credit Strategies or users of the Services; and/or (iv) to investigate or assist in preventing any violation or potential violation of the law, this Privacy Policy, or our Terms and Conditions.

Data Retention Policy

We will keep your personal data for as long as you are a registered user or for as long as is necessary for us to provide products or services for you, and for a limited period of time afterward.

Once you no longer wish to be engaged with this Site for any prescribed purpose, we may still need to retain your data if there is a legal reason for doing so (such as for tax purposes where you have made purchases through one of our digital platforms or where we need to resolve any disputes with you).

4. Third Party Websites

Our Site may contain links to third-party websites. When you click on a link to any other website or location, you automatically exit our Site or Services and go to another website, and another entity may collect personal information or anonymous data from you. We have no control over, do not review, and are not responsible for, these outside websites or their contents. Please be aware that the terms of this Privacy Policy do not apply to these outside websites or contents, or any collection of your personal information after you click on links to such outside websites. We encourage you to read the privacy policies of every website you visit. The links to third-party websites or locations are for your convenience and do not signify our endorsement of such third parties, content, or websites.

5. Your Choices Regarding Information

Choices: We offer you choices regarding the collection, use, and sharing of your personal information. We may periodically send you emails that directly promote the use of our Services. When you receive promotional communications from us, you may indicate a preference to stop receiving further communications from us and you will have the opportunity to “opt-out” by following the unsubscribe instructions provided in the email you receive or by contacting us directly. Despite your indicated email preferences, we may send you service-related communications, including notices of any updates to our Terms and Conditions or Privacy Policy.

Cookies: If you decide at any time that you no longer wish to accept cookies from our Services for any of the purposes described above, then you can instruct your browser, by changing its settings, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit. Consult your browser’s technical information. If you do not accept cookies, however, you may not be able to use all portions of the Services or all functionality of the Services. If you have any questions about how to disable or modify cookies, please contact us at [email protected]

6. Your Rights

As a user of our Site, you have the following rights, any of which you may exercise by contacting us at [email protected]

  • The right to ask what personal data we hold about you at any time. Extra requests (particularly repetitive) for data may result in a fee being charged to the user.
  • The right to ask us to update and correct any out-of-date or incorrect personal data that we hold about you free of charge.
  • As set out above, the right to opt out of any marketing communications that we may send you.
A. Right of Access

You have a right of access to any personal information we hold about you. You can ask us for a copy of your personal information, confirmation whether your personal information is being used by us, details about how and why it is being used, and details of what safeguards are in place if we transfer your information outside of the United States and European Economic Area ("EEA").

B. Right to Update Your Information

You have a right to request an update to any of your personal information that is out of date or incorrect.

C. Right to Delete Your Information

You have a right to ask us to delete any personal information that we are holding about you in certain specific circumstances. You can ask us for further information on these specific circumstances by contacting us via email at [email protected]

  • We will pass your request on to other recipients of your personal information unless that is impossible or involves a disproportionate effort. You can ask us who the recipients are using the email address above.
D. Right to Restrict Use of Your Information

You have a right to ask us to restrict the way that we process your personal information in certain specific circumstances. You can ask us for further information on these specific circumstances by contacting us via email at [email protected]

  • We will pass your request on to other recipients of your personal information unless that is impossible or involves a disproportionate effort. You can ask us who the recipients are using the email address above.

7. Signing up on this Site

When you sign up on our website, the contact details you provide, as well as your IP address and ISP, are stored on our systems. This information will also be used on your account and utilized by us to monitor suspicious activities so we can contact you if necessary.

Standard Security

We use standard security measures on our Site. We will treat your information in strict confidence and endeavor to take all reasonable steps to protect your personal information. However, we cannot guarantee the security of any data you disclose online. You accept the inherent security risks of providing information and other internet activities and will not hold us responsible for any breach of security unless it is due to our negligence or willful default.

We keep personal information as long as it is necessary for the practices described in this Policy. We also keep the information as otherwise required by law.

8. California Consumer Privacy Act (CCPA)

CCPA is the first state law in the country to mandate the posting of a privacy policy on commercial websites and online services. The law's reach extends well beyond California, requiring anyone or any organization operating websites in the United States (or perhaps the entire world) that collect personally identifiable information from California consumers to post a clear privacy policy on their website, adhere to it, and disclose exactly what information is being collected and with whom it will be shared.

According to CCPA, we agree to the following:

Access to our website is open to anonymous users. As soon as this privacy policy is finished, a link to it will be added to our home page or, at the very least, the first important page you see when you visit our website. The phrase "Privacy" appears in our Privacy Policy link, which is prominently displayed on the page mentioned above.

Users will be notified of any privacy policy changes:

  • On our Privacy Policy Page

Users are able to change their personal information:

  • By emailing us
  • By calling us

Fair Information Practices

The Fair Information Practices Principles are the cornerstone of American privacy legislation, and the ideas they encompass have had a big impact on the evolution of data protection laws all over the world. Compliance with the different privacy regulations that safeguard personal information requires an understanding of the Fair Information Practice Principles and how they should be put into practice.

In order to be in line with the Fair Information Practices Principles, we will take the following responsive action should a data breach occur:

  • We will notify the users via in-site notifications

We also concur with the Individual Redress Principle, which mandates that people can legally hold negligent data collectors and processors accountable. This concept mandates that people have recourse to courts or government entities to investigate and/or prosecute non-compliance by data processors, in addition to having enforceable rights against data users.

Cookie Usage

This section describes how we use the cookies, and why these cookies are stored on your device. We will also share how you can prevent these cookies from being stored. However, this may downgrade or ‘break’ certain elements of the Site’s functionality.

A ‘cookie’ is a bit of information that a website sends to your web browser that helps the website remember information about you and your preferences.

‘Session’ cookies are temporary bits of information that are used to improve navigation, block visitors from providing information that is inappropriate (the website ‘remembers’ previous entries of age or country of origin that were outside the specified parameters and blocks subsequent changes), and collect aggregate statistical information on the website. They are erased once you exit your web browser or otherwise turn off your computer.

How We Use Cookies

If you create an account with us, we will use cookies for the management of the sign-up process and general administration. We usually store cookies on your computer during the registration process for you to resume where you left off, remembering your registered login, preferences, and other customization functions. These cookies will usually be deleted when you log out; however, in some cases, they may remain afterward to remember your Site preferences when logged out.

Third-Party Cookies

In some cases, cookies provided by trusted third parties might be used. The sections below detail which third-party cookies you might encounter through this Site.

We use third-party analytics to help us track and measure the usage of the Site so that we can continue to produce engaging content. These cookies may track things such as how long you spend on the Site, or pages you visit. This will help inform us on how to improve the Site for you.

Our Site also uses social media buttons and/or plugins that allow you to connect with your social platforms in various ways. For these to work, social media websites, such as Facebook, Twitter, Pinterest, etc., will set cookies through our Site that may be used to enhance your profile on their website or contribute to the data they hold for various purposes outlined in their respective privacy policies.

Removing or Disabling Cookies

In most cases, there are no industry standard options for disabling cookies without completely disabling the functionality and features of the Site. You have the option to disable or selectively turn off our cookies or third-party cookies in your browser settings or manage preferences in internet security programs. However, doing so may affect how you are able to navigate our Site. It is recommended that you leave on all cookies if you are not sure whether you need them or not, in case they are used to provide a service that is useful to you.

Your Rights as a Data Subject

At any point, whilst we are in possession of or processing your personal data, you may have the following rights:

  • Right of access – you have the right to request a copy of the personal data that we hold about you.
  • Right of rectification – you have a right to correct personal data that we hold about you that is inaccurate or incomplete.
  • Right to be forgotten – in certain circumstances, you can ask for the personal data we hold about you to be erased from our records.
  • Right to restriction of processing – where certain conditions apply you have a right to restrict the processing of your personal data.
  • Right of portability – you have the right to have the personal data we hold about you transferred to another organization.
  • Right to object – you have the right to object to certain types of processing such as direct marketing as well as processing we undertake based on our legitimate interests.
  • Right to object to automated processing, including profiling – you also have the right not to be subject to the legal effects of automated processing or profiling.

Policy Update

We reserve the right to change, amend, or modify our Policy without notice. We will post the amended Policy on this page and indicate at the top of the page the date the Policy was revised. Please check our Site and this page periodically for updates.

Contact Us

To contact us regarding anything in this privacy policy or how we collect or store your personal data, please get in touch with us by using the ‘Contact Us’ page on our Site or contacting us via the following: [email protected] or (850) 739-6988.