At Take Off Credit Inc. ("Take Off Credit," "we," "us," or "our"), your privacy is our priority. This Privacy Policy explains how we collect, use, share, and protect your personal information when you use our website, mobile app, and related services (collectively, the "Services").

By accessing or using the Services, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We collect personal, financial, and technical information to operate and improve our Services, verify identity, and provide credit builder features.

1.1 Information You Provide

When you create an account, sign up for a Booster Plan, or contact us, we collect:

• Full name
• Email address
• Phone number
• Residential address
• Social Security Number or ITIN (for identity verification only)
• Date of birth
• Payment information (e.g., debit/credit card, bank account for ACH)
• Employment or income information (if applicable)

1.2 Information We Collect Automatically

When you access our app or website, we automatically collect:

• Device and browser information
• IP address and geolocation data
• Usage and interaction data (pages visited, actions taken)
• Cookies, session identifiers, and app analytics

1.3 Information from Third Parties

We may also collect or verify information from:

• Credit bureaus (e.g., TransUnion)
• Banking partners or payment processors
• Identity verification services
• Referral or affiliate partners

2. How We Use Your Information

We use your information to:

• Provide and manage your Take Off Credit account and Booster Plans;
• Verify your identity and prevent fraud;
• Report your payment activity to participating credit bureaus;
• Communicate with you about your account, payments, and updates;
• Improve the functionality and security of our app;
• Comply with legal and regulatory obligations; and
• Offer rewards, affiliate earnings, or promotions where applicable.

We never sell your personal information to third parties.

3. Credit Reporting Information

If you enroll in a Booster Plan, Take Off Credit may share your account activity with one or more credit bureaus (currently TransUnion, and potentially others).

We report:

• On-time and late payments
• Account balance or limit
• Account start and end dates
• Plan status (active, cancelled, closed)

Credit reporting helps you build history, but Take Off Credit cannot guarantee a specific credit score outcome.

4. Payment Information

When you make payments through Take Off Credit:

• Your debit/credit card or bank information is processed securely by our payment processors.
• Take Off Credit does not store full payment details.
• We maintain transaction identifiers for audit and recordkeeping purposes.
• All payment transmissions are encrypted using SSL/TLS security standards.

5. Cookies and Tracking Technologies

We use cookies, tracking pixels, and analytics tools to:

• Maintain session integrity and account access;
• Improve app performance; and
• Measure engagement and marketing effectiveness.

You can disable cookies in your browser settings, but some features may not function properly.

6. Sharing of Information

We may share your information with:

• Credit bureaus (for reporting activity);
• Payment processors (for handling transactions);
• Service providers (IT, cloud hosting, analytics, and support tools);
• Regulatory or law enforcement authorities (as required by law); and
• Affiliate partners (to credit signups or referral earnings).

Each partner is contractually obligated to protect your data and use it only for legitimate business purposes.

7. Affiliate Tracking Disclosure

Take Off Credit's Affiliate Program allows users to earn commissions for qualified referrals. When you share your affiliate link:

• We track referrals via cookies or link identifiers;
• We record signups associated with your link;
• No financial or credit information is shared with affiliates.

All affiliate earnings are paid according to the Affiliate Terms & Conditions and applicable tax laws.

8. Data Retention

We retain personal data only as long as necessary to:

• Provide and maintain your account;
• Meet legal and reporting requirements; or
• Resolve disputes and enforce agreements.

When no longer required, data is securely deleted or anonymized.

9. Security Practices

We use administrative, technical, and physical safeguards to protect your information, including:

• Encryption of sensitive data;
• Secure data centers and firewalls;
• Access controls for employees and systems;
• Ongoing monitoring for unauthorized access or misuse.

While we take strong precautions, no system is 100% secure. You are responsible for maintaining the confidentiality of your login credentials.

10. Your Privacy Rights

Depending on your state of residence (e.g., California, Virginia, Colorado), you may have rights to:

• Access a copy of your personal information;
• Request correction or deletion;
• Opt out of certain data sharing;
• Lodge a complaint regarding misuse of your information.

To exercise your rights, contact privacy@takeoffcredit.com or mail a written request to our business address.

We will respond to all verified requests within legally required timeframes.

11. Children's Privacy

Take Off Credit does not knowingly collect information from anyone under 18 years of age. If we discover a minor has submitted personal data, it will be promptly deleted.

12. Third-Party Links

Our Services may contain links to third-party websites or tools. Take Off Credit is not responsible for their privacy practices or content. We encourage users to review the privacy policies of all third-party sites they visit.

13. Changes to This Policy

We may update this Privacy Policy periodically. Any changes will be posted in-app or on our website, with the updated effective date. Continued use of the Services after changes means you accept the revised Policy.

14. Contact Us

For privacy or data protection inquiries, contact: