PRIVACY POLICY
RICH BY CREDIT LLC – PRIVACY POLICY AND NOTICE
Last Updated: March 6, 2026
This Privacy Policy (“Policy”) describes how Rich By Credit LLC (“Rich By Credit,” “we,” “us,” or “our”) collects, uses, shares, and protects personal information obtained through our websites, products, programs, events, and related services, including https://www.richbycredit.com/ and all associated subdomains and digital assets (collectively, the “Website”).
We are committed to transparency and compliance with applicable privacy laws, including the California Consumer Privacy Act (CCPA), California Privacy Rights Act (CPRA), Federal Trade Commission Act, CAN-SPAM Act, Telephone Consumer Protection Act (TCPA), and the General Data Protection Regulation (GDPR) where applicable.
By accessing or using this Website, you agree to the terms of this Privacy Policy..
| 1. WHY WE COLLECT PERSONAL INFORMATION
Rich By Credit collects and processes personal information for the following purposes:
- To provide, manage, and improve our services, including credit education, funding strategies, and business consulting programs;
- To communicate with you regarding services, updates, promotions, webinars, events, or educational resources;
- To facilitate marketing, analytics, lead generation, and sales operations;
- To connect users with relevant financial products, funding opportunities, or business resources;
- To comply with legal obligations and maintain security and integrity; and
- To generate business leads and connections between consumers, entrepreneurs, and trusted partner organizations.
Rich By Credit’s mission includes helping entrepreneurs gain access to funding and financial education. Accordingly, we may collect and share certain user information with select third-party affiliates, partners, and service providers whose products or services may align with user interests.
| 2. INFORMATION WE COLLECT
We collect information in the following ways: A. Information You Provide Voluntarily When interacting with our Website, services, or programs, you may provide:- Name, email address, phone number, and mailing address;
- Mobile phone number and your consent to receive SMS/text message communications;
- Business name, job title, and industry information;
- Financial or professional information provided during consultations or applications;
- Payment or billing information related to educational programs or consulting services;
- Survey responses, feedback, or customer service communications; and
- Marketing preferences and communication history.
- IP address, browser type, and operating system;
- Device information and referring URLs;
- Pages viewed, time spent on site, and interaction data;
- Cookies, pixels, beacons, and analytics identifiers.
- Advertising platforms and analytics providers;
- Social media integrations such as Facebook, Instagram, LinkedIn, or YouTube;
- Public or commercial data sources; and
- Affiliate networks or marketing partners.
| 3. COOKIES AND TRACKING TECHNOLOGIES
We use cookies and similar technologies to:- Personalize content and user experience;
- Improve website performance and analytics;
- Measure marketing campaign effectiveness;
- Support remarketing and lead distribution.
| 4. GOOGLE ANALYTICS AND ADVERTISING TECHNOLOGIES
Rich By Credit uses Google Analytics, Meta Pixel, and similar tools to analyze visitor behavior and improve marketing performance.These tools may collect:
- Demographic data (age range, interests, geographic location);
- Usage data such as pages visited and time spent on site;
- Referrer information from ads, search engines, or social platforms.
| 5. SMS AND MOBILE COMMUNICATIONS
When you opt in to receive SMS or text messages from Rich By Credit LLC, you provide your prior express written consent to receive recurring automated marketing and informational text messages at the phone number you provided. These messages may include, but are not limited to, program updates, funding opportunities, event information, and promotional offers.
Consent: By providing your phone number and opting in, you consent to receive SMS communications. Your consent is not a condition of purchasing any goods or services.
Data Collection: We collect your phone number, carrier information, and date, time, and content of messages (including opt-in and opt-out requests) to deliver these services and ensure compliance.
Data Sharing: We do not sell, rent, or share your phone number or SMS consent with third parties for their own marketing purposes, except as necessary to facilitate the SMS service (e.g., with our messaging platform provider) or as required by law.
| 6. HOW WE USE YOUT INFORMATION
We may use personal information to:- Provide, operate, and improve our services and programs;
- Respond to inquiries and provide customer support;
- Deliver marketing communications and promotional materials;
- Analyze Website usage and improve user experience;
- Prevent fraud or security incidents; and
- Create and distribute business leads to trusted partners offering funding, credit, or entrepreneurial resources that may be relevant to users.
| 7. HOW WE SHARE OR SELL INFORMATION
A. Lead Generation and Data Sharing
Rich By Credit may share, license, or sell contact information, including name, email address, phone number, and business-related details (“Lead Data”), to vetted third-party partners and affiliates for marketing, funding, credit, or business development purposes.All such third parties are required by written agreement to:
- Use the data in compliance with applicable privacy laws;
- Maintain appropriate security safeguards; and
- Provide opt-out or unsubscribe options in communications.
- You may opt out of the sale or sharing of your personal information by contacting us at:
- With service providers performing business functions such as hosting, payment processing, analytics, or customer support;
- To comply with legal obligations, subpoenas, or government requests;
- In connection with a business transfer, merger, or acquisition; or
- When necessary to protect the rights, property, or safety of Rich By Credit or its users.
| 8. SOCIAL MEDIA AND THIRD-PARTY PLATFORMS
Our Website may include integrations with platforms such as Facebook, Instagram, LinkedIn, YouTube, and TikTok. These platforms may collect IP addresses, browsing activity, or cookies. Interactions with these services are governed by the respective privacy policies of those platforms.| 9. DATA SECURITY
We implement industry-standard administrative, technical, and physical safeguards to protect personal information. These measures may include:- SSL encryption
- Secure data storage
- Access control systems
- Regular security reviews
| 10. DATA RETENTION
We retain personal information only for as long as necessary to fulfill the purposes described in this Policy or as required by law. When information is no longer required, it will be securely deleted or anonymized.| 11. YOUR RIGHTS AND CHOICES
Depending on your location, you may have rights to:- Access personal data we hold about you;
- Correct inaccurate information;
- Request deletion of personal data;
- Restrict or object to certain processing;
- Withdraw consent for marketing communications; and
- Request data portability.
| 12. CALIFORNIA CONSUMER PRIVACY RIGHTS (CCPA / CPRA)
If you are a California resident, you have the right to:- Request disclosure of the personal information we collect, use, or sell;
- Request deletion of personal data (subject to legal exceptions);
- Opt out of the sale or sharing of personal data;
- Request correction of inaccurate data; and
- Receive equal service even if you exercise privacy rights.
| 13. GDPR AND INTERNATIONAL USER
For individuals located in the European Economic Area (EEA) or United Kingdom, Rich By Credit may act as a Data Controller under the General Data Protection Regulation (GDPR).
- Users may request:
- Access to personal information
- Correction of inaccurate data
- Erasure (“Right to be Forgotten”)
- Restriction of processing
- Data portability
- User consent
- Contractual necessity
- Legitimate business interests
- Legal obligations