Privacy Policy

1. Introduction

This Privacy Policy explains how SmartPerson Financial ("SmartPerson Financial," "we," "us," or "our") collects, uses, discloses, and safeguards information when you visit smartpersonfinancial.com, apply through our lead form, or otherwise interact with our credit and capital advisory services (collectively, the "Services"). By using the Services, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

We collect information in the following ways:

• Information you provide directly: name, email address, phone number, mailing address, date of birth, employment and income information, and details about your credit profile and financial goals when you complete an application, contact form, or scheduling request.
• Payment information: when you enroll in a program, billing details are collected and processed through our third-party payment processor; we do not store full payment card numbers on our own servers.
• Automatically collected information: IP address, browser type, device identifiers, pages visited, referring URLs, and interaction data collected through cookies, pixels, and similar technologies.
• Information from third parties: where applicable and with appropriate consent, information from credit reporting agencies, identity verification services, and marketing partners.

3. Analytics and Advertising Technologies

We use Google Analytics 4 (GA4) to understand how visitors use our site, including which pages are viewed, how long visitors stay, and what actions they take. We also use the Meta Pixel to measure the effectiveness of our advertising and to build audiences for future marketing. These tools may set cookies or use similar identifiers on your device and may share limited data with Google and Meta in accordance with their own privacy policies. You can opt out of Google Analytics tracking using the Google Analytics Opt-out Browser Add-on, and you can manage ad personalization through your Google and Meta account settings.

4. How We Use Your Information

• To evaluate your application and determine which program, if any, may fit your circumstances
• To communicate with you about your account, program status, and billing
• To provide, maintain, and improve the Services
• To send marketing communications, which you may opt out of at any time
• To detect, investigate, and prevent fraudulent or unauthorized activity
• To comply with legal obligations and enforce our agreements

5. Third-Party Service Providers

We share information with third-party vendors who perform services on our behalf, including payment processing, customer relationship management, email and SMS communication platforms, scheduling tools, cloud hosting, and analytics providers described above. These providers are authorized to use your information only as necessary to provide services to us and are contractually obligated to protect your information. We do not sell your personal information to third parties.

6. Credit Bureau and Trademark Disclaimer

Experian®, Equifax®, and TransUnion® are registered trademarks of their respective owners. SmartPerson Financial is not affiliated with, endorsed by, or sponsored by Experian, Equifax, TransUnion, FICO, or any credit bureau or scoring model provider. References to these companies or their marks are for identification purposes only.

7. No Guarantee of Results

SmartPerson Financial provides credit education, dispute preparation, and capital advisory services. We do not guarantee any specific credit score increase, dispute outcome, loan approval, funding amount, or timeline. Individual results vary based on the accuracy and content of your credit file, creditor and bureau responses, and factors outside our control. Nothing in our marketing, this website, or any communication from us should be interpreted as a promise of a particular result.

8. Data Retention

We retain personal information for as long as necessary to provide the Services, comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements. When information is no longer needed, we take reasonable steps to securely delete or de-identify it.

9. Data Security

We use administrative, technical, and physical safeguards designed to protect your information from unauthorized access, disclosure, alteration, or destruction. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

10. Your Rights and Choices

Depending on your state of residence, you may have the right to request access to, correction of, or deletion of your personal information, to opt out of certain sharing for targeted advertising, and to be free from discrimination for exercising these rights. To make a request, email us at info@smartpersonfinancial.com. We will respond within the time required by applicable law. You may also opt out of marketing emails by using the unsubscribe link in any email, and out of marketing text messages by replying STOP.

11. Children's Privacy

Our Services are intended for individuals who are at least 18 years old. We do not knowingly collect personal information from children.

12. Governing Law

This Privacy Policy is governed by the laws of the State of New York, without regard to its conflict of laws principles, unless otherwise required by the law of your state of residence.

13. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last updated" date above reflects the most recent revision. Continued use of the Services after changes are posted constitutes acceptance of the updated policy.

14. Contact Us

Questions about this Privacy Policy can be directed to info@smartpersonfinancial.com.