Privacy Policy

Effective Date: May 14, 2025

Rise Above Credit, LLC ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, riseabovecredit.com (the "Site"). Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.

1. Information We Collect

We may collect information about you in a variety of ways. The information we may collect on the Site includes:

Contact Form Data

When you submit our Contact Us page, we collect only the information you provide:

• Full Name
• Email address
• State of Residency (Texas)
• Your message or inquiry
• Your consent to be contacted and agreement to this Privacy Policy

Analytics & Cookies

We use Google Analytics to understand site usage. This service collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. We use this information only to improve this site. Google Analytics may use cookies to track session data. You can disable or opt out of cookies via your browser settings. For more information on how Google uses data when you use our partners' sites or apps, please visit www.google.com/policies/privacy/partners/.

2. How We Use Your Information

Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you via the Site to:

• Respond to your inquiries, questions, and comments and provide customer support.
• Comply with legal and regulatory requirements.
• Monitor and analyze usage and trends to improve your experience with the Site.

3. Sharing & Disclosure of Your Information

No Sale of Personal Data

We do not sell or rent your personal information to third parties.

Service Providers

We may share your information with third-party vendors, service providers, contractors, or agents who perform services for us or on our behalf and require access to such information to do that work. Examples include: email delivery (SendGrid) and backend infrastructure (Google Cloud/Firebase). These service providers are bound by strict confidentiality agreements and are permitted to use your personal information only as necessary to provide these services to us.

Legal Requirements

We may disclose your information if we are required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, (ii) protect and defend our rights or property, (iii) act in urgent circumstances to protect the personal safety of users of the Site or the public, or (iv) protect against legal liability.

4. Data Security & Retention

Security Measures

We implement reasonable administrative, technical, and physical safeguards designed to protect your data against unauthorized access, use, alteration, or disclosure.

Retention Period

We retain contact-form submissions for up to two years, or as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law, or until you request deletion in accordance with your rights.

5. Your Privacy Rights (Texas Data Privacy and Security Act)

Under the Texas Data Privacy and Security Act (TDPSA), Texas residents have certain rights regarding their personal data. Subject to certain limitations, you may exercise the following rights:

• Right to Know: Request disclosure of whether we process your personal data and what categories of personal data we process.
• Right to Access: Obtain a copy of your specific personal data that we have collected in a portable and, to the extent technically feasible, readily usable format.
• Right to Correct: Ask us to correct inaccuracies in your personal data, taking into account the nature of the personal data and the purposes of the processing.
• Right to Delete: Request deletion of your personal data that we have collected, subject to certain exceptions provided by law.
• Right to Opt-Out: Opt out of the processing of personal data for purposes of (i) targeted advertising, (ii) the sale of personal data, or (iii) profiling in furtherance of decisions that produce legal or similarly significant effects concerning you. (Note: Rise Above Credit, LLC does not currently sell personal data or engage in targeted advertising or such profiling as defined by the TDPSA based on the data collected through our general contact form).
• Right to Non-Retaliation: You will not be discriminated against for exercising any of these rights.

To exercise any of these rights, please email us at privacy@riseabovecredit.com. We will respond to your request within 45 days of receipt, though this period may be extended once by an additional 45 days when reasonably necessary, taking into account the complexity and number of requests. We will inform you of any such extension within the initial 45-day period, together with the reasons for the delay.

6. Children's Privacy

Our Site is not directed to individuals under the age of 18, and we do not knowingly collect personal information from children under 18. If we become aware that a child under 18 has provided us with personal information, we will take steps to delete such information.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Effective Date" at the top of this policy and post the updated policy on this page. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

8. Contact Us

If you have questions or comments about this Privacy Policy, please contact us at:

Email: privacy@riseabovecredit.com