Privacy Policy

Last Updated: June 15, 2025

Effective Date: April 1, 2025

This Privacy Policy describes how Thryve Credit Solutions LLC ("we," "us," or "our") collects, uses, stores, shares, and protects your personal information when you use our website www.thryvecredit.com and our DIY Credit Repair Course (the "Service").

By accessing or using our Service, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

We collect several types of information from and about users of our Service:

• Personal Information (Provided by You):
  • Account Registration: When you create an account, we collect your email address, password, first name, and last name.
  • Profile Information: If you choose to complete your profile, we collect your full address and the last four digits of your Social Security Number (SSN).
  • Payment Information: When you make a purchase, payment information (such as credit card details) is collected by our third-party payment processor (Go High Level). We do not directly store your full credit card details on our servers.
  • Communications: When you contact us via email, phone, or forms, we collect the content of your communications and our responses.
  • Questionnaire Responses: When you use our AI Letter Generator, we collect your responses to the questionnaire, which may include details about your dispute, account numbers, creditor names, etc.
• Usage Data (Automatically Collected):
  • Service Interaction: Information on how you access and use the Service, such as pages visited, time spent on pages, and features used.
  • Device Information: Information about your computer or mobile device, including IP address, browser type, operating system, unique device identifiers, and mobile network information.
  • Cookies and Tracking Technologies: We use cookies and similar tracking technologies to track activity on our Service and hold certain information.
• AI Interaction Data:
  • When you use our AI-powered assistant or AI Letter Generator, we collect your prompts, queries, input data (including questionnaire responses and auto-populated profile data), and the AI's generated outputs. This data is processed to provide and improve the AI service.

2. How We Use Your Information

We use the collected information for various purposes:

• To Provide and Maintain the Service: Including managing your account, providing access to course content and tools, and delivering AI-generated letters.
• To Personalize Your Experience: To tailor the AI-generated letters with your profile information and to improve relevant content suggestions.
• To Process Transactions: For the purchase and management of your DIY Credit Repair Course.
• To Improve Our Service: To understand how users interact with the Service, troubleshoot issues, and develop new features, including optimizing AI performance.
• For Communication: To send you transaction confirmations, service updates, security alerts, and respond to your inquiries.
• For Security: To protect against fraud, unauthorized access, and other malicious activities.
• For Compliance: To comply with legal obligations and enforce our Terms and Conditions.

3. Sharing Your Information

We may share your information with third parties in the following situations:

• Service Providers: We use third-party companies and individuals to facilitate our Service ("Service Providers"), such as:
  • Supabase: For database management, user authentication, and file storage. Your personal information and course data are stored securely within our private Supabase project.
  • Go High Level: For website hosting (previous site), CRM, marketing automation, and payment processing. Payment information is handled directly by Go High Level's payment processor.
  • OpenAI (or other AI Providers): When you use the AI-powered assistant or letter generator, your input (queries, questionnaire responses, and the necessary user profile data for letter generation) is sent to OpenAI's (or other AI providers') APIs to generate outputs. We do not send your full SSN or sensitive financial account numbers directly to the AI model unless explicitly provided by you within a questionnaire field for letter generation. AI providers typically have their own privacy policies regarding data usage for model training.
  • Analytics Providers: To monitor and analyze the use of our Service.
• Legal Requirements: We may disclose your Personal Information in the good faith belief that such action is necessary to:
  • Comply with a legal obligation.
  • Protect and defend the rights or property of Thryve Credit Solutions LLC.
  • Prevent or investigate possible wrongdoing in connection with the Service.
  • Protect the personal safety of users of the Service or the public.
  • Protect against legal liability.
• Business Transfers: If Thryve Credit Solutions LLC is involved in a merger, acquisition, or asset sale, your Personal Information may be transferred.
• With Your Consent: We may disclose your Personal Information for any other purpose with your explicit consent.

4. Data Security

The security of your data is important to us. We implement commercially reasonable safeguards to protect your Personal Information from unauthorized access, use, alteration, and disclosure. This includes utilizing secure third-party services (like Supabase) with their built-in security features (e.g., Row Level Security, encryption at rest and in transit) and ensuring our own application layers are secure.

However, please remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

5. Your Data Protection Rights

Depending on your location and applicable laws, you may have the following rights regarding your Personal Information:

• The Right to Access: Request copies of your personal data.
• The Right to Rectification: Request that we correct any information you believe is inaccurate or complete information you believe is incomplete.
• The Right to Erasure: Request that we erase your personal data, under certain conditions.
• The Right to Restrict Processing: Request that we restrict the processing of your personal data, under certain conditions.
• The Right to Object to Processing: Object to our processing of your personal data, under certain conditions.
• The Right to Data Portability: Request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

To exercise any of these rights, please contact us using the contact information provided below. We will respond to your request in accordance with applicable data protection laws.

6. Cookies Policy

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Examples of Cookies we use:

• Session Cookies: To operate our Service.
• Preference Cookies: To remember your preferences and various settings.
• Security Cookies: For security purposes.
• Analytics Cookies: To understand how our Service is used.

7. Links to Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

8. Children's Privacy

Our Service is not intended for use by children under the age of 18 ("Children"). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children have provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information from Children without verification of parental consent, we take steps to remove that information from our servers.

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us:

• By email: [email protected]
• By phone number: 888-448-4798
• By mail: 13236 N 7th Street, Suite 4 #619 Phoenix, AZ 85022