PRIVACY POLICY

Masters Credit Consultants

Effective Date: July 30, 2026

Masters Credit Consultants (“Masters Credit Consultants,” “MCC,” “we,” “our,” or “us“) respects your privacy and is committed to protecting the personal information you entrust to us.

This Privacy Policy explains how we collect, use, disclose, safeguard, and retain your information when you visit our website, communicate with us, request information, enroll in our services, or otherwise interact with Masters Credit Consultants.

Our goal is to provide professional credit improvement, financial education, and related services while maintaining appropriate safeguards designed to protect your information.

By accessing or using our website or services, you acknowledge that you have read and understand this Privacy Policy.

1. Information We Collect

The information we collect depends on how you interact with Masters Credit Consultants.

Personal Information

We may collect information including:

• Name
• Mailing address
• Email address
• Telephone number
• Date of birth
• Government-issued identification when necessary
• Social Security Number or Taxpayer Identification Number when required to provide requested services
• Payment information
• Credit-related information
• Military status (when voluntarily provided)
• Employment information
• Information contained in documents you upload
• Information submitted through forms, questionnaires, consultations, or communications with our team
  
  

You may choose not to provide certain information; however, doing so may limit our ability to provide requested services.

Information Collected Automatically

When you visit our website, we may automatically collect information such as:

• IP address
• Browser type
• Device type
• Operating system
• Pages viewed
• Date and time of visits
• Referring website
• Website interactions
• Cookies and similar technologies
• Website performance information
  
  

This information helps us maintain website security, improve functionality, understand visitor behavior, and enhance the overall user experience.

Information Received From Third Parties

When authorized or otherwise permitted by law, we may receive information from trusted third parties, including:

• Credit monitoring providers
• Identity verification providers
• Credit reporting agencies
• Payment processors
• Analytics providers
• Marketing platforms
• Public records
• Government agencies
• Other service providers involved in delivering requested services
  
  

2. Artificial Intelligence and Automated Technologies

Masters Credit Consultants utilizes modern technology, including artificial intelligence (“AI”), automation, and other digital tools, to enhance the quality, efficiency, and responsiveness of our services.

These technologies may assist with:

• Responding to website inquiries
• Scheduling consultations
• Providing educational information
• Assisting customer support
• Organizing client communications
• Summarizing conversations
• Improving workflow efficiency
• Enhancing website functionality
• Supporting our internal operations
  
  

AI technologies are intended to assist our team—not replace professional judgment or individualized customer service.

Whenever appropriate, important client decisions remain subject to human review.

Masters Credit Consultants does not use AI to make automated legal, lending, employment, insurance, or consumer credit decisions on your behalf.

Information submitted through our website, client portal, online forms, email, or other communication channels may be processed using secure technology platforms operated by trusted third-party service providers acting on our behalf.

As technology continues to evolve, we may implement additional AI-powered tools to improve our services. Any such use will remain subject to this Privacy Policy and applicable law.

3. How We Use Your Information

We use information collected through our website and services for legitimate business purposes, including to:

• Provide requested services
• Conduct consultations
• Verify identity
• Process payments
• Maintain client accounts
• Communicate regarding services
• Respond to questions and support requests
• Deliver educational materials
• Improve customer experience
• Improve website performance
• Personalize communications
• Prevent fraud and unauthorized activity
• Maintain security
• Comply with legal obligations
• Enforce our agreements
• Protect our legal rights
• Improve business operations
• Support AI-assisted customer service and workflow automation
• Evaluate service quality and customer satisfaction
  
  

We may also use aggregated or de-identified information for reporting, business analysis, product development, service improvements, and operational planning.

4. Electronic Communications and SMS Messaging

When you voluntarily provide your contact information, you consent to receive communications related to your inquiry, consultation, account, or requested services.

These communications may include:

• Telephone calls
• Emails
• SMS (text) messages
• Appointment reminders
• Service updates
• Client notifications
• Educational communications
• Customer support
• Account-related communications
  
  

SMS Communications

By providing your mobile phone number and opting in where required, you authorize Masters Credit Consultants to send you SMS (text) messages regarding your inquiry, consultation, account, requested services, appointment reminders, customer support, account notifications, and, where permitted by applicable law and with your consent, promotional or marketing communications.

Message frequency may vary based on your interactions with us and the services you request.

Message and data rates may apply according to your wireless carrier’s plan.

You may opt out of SMS communications at any time by replying STOP to any text message. After opting out, you will no longer receive SMS messages from Masters Credit Consultants except as necessary to process your opt-out request or as otherwise permitted by law.

For assistance, reply HELP to any SMS message or contact us using the information below:

• Phone: (844) 620-8796
• Email: info@masterscredit.com
  
  

Your consent to receive SMS messages is not a condition of purchasing any product or service from Masters Credit Consultants.

We do not sell, rent, or share your mobile phone number with third parties or affiliates for their own marketing or promotional purposes. Your mobile number and SMS consent information may be shared only with trusted service providers that assist us in delivering SMS communications, customer support, customer relationship management (CRM), automation, or related business services on our behalf, and only as necessary to provide those services.

Telephone calls and SMS communications may be monitored, recorded, or retained for quality assurance, training, fraud prevention, security, documentation, and legal compliance where permitted by applicable law.

Marketing text messages will only be sent where permitted by applicable law and with any consent required by law. You may withdraw your consent at any time by following the opt-out instructions above.

5. Cookies and Website Technologies

Masters Credit Consultants uses cookies and similar technologies to improve website functionality and user experience.

These technologies may help us:

• Remember visitor preferences
• Improve website performance
• Analyze website traffic
• Measure advertising effectiveness
• Maintain website security
• Diagnose technical issues
• Improve navigation
• Understand visitor behavior
  
  

We may also utilize trusted third-party analytics services to better understand how visitors interact with our website.

Most internet browsers allow users to disable cookies; however, certain website features may not function properly if cookies are disabled.

6. How We Share Your Information

Masters Credit Consultants respects your privacy and does not sell your personal information to third parties for monetary compensation.

We only disclose your personal information when reasonably necessary to provide requested services, operate our business, comply with legal obligations, or protect our legal rights.

Depending on the services you request, we may share information with trusted third parties, including:

• Payment processors
• Credit monitoring providers you authorize
• Identity verification providers
• Secure cloud hosting providers
• Customer relationship management (CRM) platforms
• Client communication platforms
• Document management providers
• Technology and software providers
• Artificial intelligence service providers acting on our behalf
• Professional advisors, including attorneys, accountants, auditors, or consultants
• Government agencies, courts, regulatory authorities, or law enforcement when required or permitted by law
  
  

These third parties are expected to use your information only for the services they perform for Masters Credit Consultants or as otherwise permitted by law.

SMS Privacy Notice

Masters Credit Consultants does not sell, rent, or share your mobile phone number or SMS consent information with third parties or affiliates for their own marketing or promotional purposes. Mobile information and SMS consent data are used solely to provide the communications you have requested and may be shared only with trusted service providers that facilitate SMS delivery, customer relationship management, automation, or customer support on our behalf. All such providers are contractually obligated to protect your information and use it only for the services they provide to Masters Credit Consultants.

7. Client Portal and Technology Platforms

Masters Credit Consultants may provide clients with access to secure online tools, client portals, mobile applications, digital forms, document upload systems, appointment scheduling, messaging platforms, and other technologies designed to improve the client experience.

Information submitted through these systems may include:

• Personal information
• Uploaded documents
• Account information
• Service requests
• Secure messages
• Electronic signatures
• Payment information
• Progress updates
  
  

These systems are intended to provide convenient access to your account and improve communication throughout your relationship with Masters Credit Consultants.

Access to these systems may require identity verification and account authentication.

You are responsible for maintaining the confidentiality of your login credentials and for promptly notifying us if you believe your account has been accessed without authorization.

8. Artificial Intelligence Service Providers

To improve efficiency and customer service, Masters Credit Consultants may utilize trusted third-party providers that offer artificial intelligence, automation, natural language processing, document analysis, workflow automation, scheduling, and communication technologies.

These technologies may assist our team with:

• Organizing client information
• Drafting communications
• Summarizing conversations
• Responding to general inquiries
• Routing requests
• Improving operational efficiency
• Enhancing customer support
• Providing educational resources
  
  

Masters Credit Consultants does not knowingly use customer information to train publicly available artificial intelligence models unless specifically disclosed and authorized.

AI-generated content may occasionally contain inaccuracies or incomplete information. Clients should contact Masters Credit Consultants directly regarding important account-specific questions or decisions.

9. Identity Verification and Fraud Prevention

To protect our clients, employees, and business, Masters Credit Consultants may verify your identity before providing services, releasing confidential information, or processing certain requests.

Verification methods may include requesting:

• Government-issued identification
• Date of birth
• Address verification
• Account verification
• Security questions
• Other reasonable forms of authentication
  
  

We reserve the right to delay, suspend, or decline services if we cannot reasonably verify your identity or if fraudulent, deceptive, abusive, or unlawful activity is suspected.

Masters Credit Consultants may also investigate suspected misuse of our website, client portal, or services to protect our systems and clients.

10. Payment Information

Payments are processed through secure third-party payment processors.

Masters Credit Consultants does not intentionally store complete payment card information on our public website servers.

Where recurring payment authorization has been provided, payment information may be securely maintained by authorized payment processors in accordance with applicable payment security standards.

All payment transactions remain subject to the applicable payment processor’s terms and privacy practices.

11. Data Security

Protecting your information is important to Masters Credit Consultants.

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, misuse, alteration, or destruction.

Security measures may include:

• SSL/TLS encryption
• Secure cloud infrastructure
• Access controls
• Password protection
• Multi-factor authentication where available
• Employee access limitations
• Security monitoring
• Vendor security reviews
• Identity verification procedures
  
  

While we strive to protect your information, no method of transmitting data over the Internet or storing electronic information can be guaranteed to be completely secure.

Accordingly, Masters Credit Consultants cannot guarantee absolute security and disclaims liability for unauthorized access or disclosure resulting from circumstances beyond our reasonable control, including cyberattacks, internet failures, acts of third parties, or other events outside our control.

If a security incident affecting your personal information occurs, we will respond in accordance with applicable law.

12. Third-Party Websites and Services

Our website may contain links to third-party websites, applications, products, or services for your convenience.

Masters Credit Consultants does not own or control these third-party services and is not responsible for their privacy practices, security, content, or availability.

Your interactions with third-party websites or services are governed solely by their respective privacy policies and terms of use.

We encourage you to review those policies before providing personal information to any third party.

13. Data Retention

Masters Credit Consultants retains personal information only for as long as reasonably necessary to:

• Provide requested services;
• Maintain business and financial records;
• Comply with legal, regulatory, accounting, and tax obligations;
• Resolve disputes;
• Enforce our agreements;
• Detect or prevent fraud;
• Protect our legal rights and legitimate business interests.
  
  

When personal information is no longer required, we may securely delete, destroy, anonymize, or otherwise dispose of the information in accordance with applicable law and our record retention practices.

Certain records may be retained longer when required by law or when reasonably necessary to protect the rights of Masters Credit Consultants or our clients.

14. Your Privacy Choices

Subject to applicable law, you may have certain rights regarding your personal information, including the right to:

• Request access to personal information we maintain about you;
• Request correction of inaccurate information;
• Request deletion of personal information where legally permitted;
• Withdraw consent where processing is based upon your consent;
• Opt out of promotional or marketing communications.
  
  

These rights may be limited where we are required to retain information to comply with legal obligations, prevent fraud, resolve disputes, complete requested services, or enforce our agreements.

To exercise any applicable privacy rights, please contact us using the information provided below.

15. Children’s Privacy

Masters Credit Consultants’ website and services are intended for individuals who are at least 18 years of age or otherwise legally authorized to enter into agreements.

We do not knowingly collect personal information from children under the age of 13. If we become aware that such information has been collected without appropriate authorization, we will take reasonable steps to delete it as required by applicable law.

Parents or legal guardians who believe their child has submitted personal information should contact us immediately.

16. Compliance with Applicable Laws

Masters Credit Consultants may disclose personal information when we believe, in good faith, that such disclosure is necessary to:

• Comply with applicable laws, regulations, court orders, subpoenas, or lawful governmental requests;
• Protect the rights, property, or safety of Masters Credit Consultants, our clients, employees, or others;
• Detect, investigate, or prevent fraud, identity theft, cybersecurity incidents, or other unlawful activity;
• Enforce our agreements, policies, or legal rights; or
• Protect the integrity and security of our website, systems, and services.
  
  

Nothing in this Privacy Policy limits our ability to use or disclose information where permitted or required by applicable law.

17. Business Transfers

In the event of a merger, acquisition, reorganization, financing transaction, sale of assets, or other business transfer involving Masters Credit Consultants, personal information may be transferred as part of that transaction, subject to applicable law.

Any successor organization will be expected to honor the commitments contained in this Privacy Policy or provide notice of any material changes before those changes become effective.

18. Changes to This Privacy Policy

Masters Credit Consultants reserves the right to update or modify this Privacy Policy at any time to reflect changes in our business practices, technology, legal requirements, or services.

The revised Privacy Policy will be posted on this page with an updated Effective Date. Your continued use of our website or services after any revisions become effective constitutes your acceptance of the updated Privacy Policy.

We encourage you to review this Privacy Policy periodically.

19. Contact Us

If you have questions regarding this Privacy Policy or our privacy practices, please contact us:

Masters Credit Consultants

Website: www.masterscredit.com

Email: info@masterscredit.com

Phone: (844) 620-8796

If applicable law provides you with privacy rights or requires additional information, you may submit your request using the contact information above. We will respond within the timeframes required by applicable law.

Acknowledgment

By using our website, requesting information, submitting forms, communicating with our team, enrolling in our services, or otherwise interacting with Masters Credit Consultants, you acknowledge that you have read and understand this Privacy Policy and consent to the collection, use, disclosure, and protection of your information as described herein.