Privacy Policy

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Introduction

This Policy describes the types of information we may collect from you, that we may access from third parties at your direction, or that you may provide when you visit our family of Moe Legacy websites or mobile applications (together, our “Service”), and our practices for using, maintaining, protecting, and disclosing that information.

Acceptance

Please read this Policy carefully. If you do not agree with our policies and practices, you can choose not to use our Service. By accessing or using our Service, or by clicking to accept or agree to this Policy when this option is made available to you, you agree to this Policy. This Policy may change from time to time. Your continued use of the Service after we make changes is deemed to be acceptance of those changes, so please check the Policy periodically for updates.

Information We Collect and How We Collect It

Personal Information

We may collect several types of information from and about users of our Service, including information by which you may be personally identified, such as your name, mailing or physical address, email address, telephone number, date of birth, and Social Security number. Additionally, we may collect financial information such as your income, outstanding debts, credit reports, credit scores, and details of your financial accounts. All of this information is collectively referred to in this Policy as “Personal Information.” We collect Personal Information on or through our Service when you provide it while registering to use our Service, using our services, entering into transactions with us, requesting assistance or technical support, or reporting a problem with our Service.

Information From Third Parties

In order to provide our credit repair services, we may collect additional information about you from third parties, including credit reporting agencies, lenders, financial institutions, and government entities. This information may include credit reports, account statuses, credit scores, and public records.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any Personal Information, to:

• Assess your credit profile and identify errors, discrepancies, or opportunities for improvement;
• Provide you with credit repair services that you request from us;
• Dispute inaccurate, outdated, or unverifiable items on your credit report on your behalf;
• Monitor your credit and provide updates on your progress;
• Provide tools and resources to help you improve your credit score;
• Notify you about changes to our Service or any products or services we offer or provide through it;
• Process payments for services rendered;
• Carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection;
• Fulfill any other purpose for which you provide the information or that we describe when you provide the information;
• Fulfill any other purpose with your consent.

Use of Personal Information for Marketing Purposes

We may use your Personal Information to provide you with informational correspondence (e.g., our Moe Legacy newsletter) or promotional information about our own products and services, such as financial education resources, credit monitoring tools, or loan products.

Transmitting Payment Information

If you purchase products or services through our Service, we may transmit your payment information and other Personal Information to the third-party payment processors we use to process transactions securely.

Disclosure of Your Information

We may disclose your Personal Information:

• To our subsidiaries and affiliates;
• To our contractors and service providers who assist in delivering our services, including credit monitoring platforms, payment processors, and customer relationship management tools;
• To credit reporting agencies when disputing items on your behalf;
• To third-party partners or financial institutions, with your consent, if you express interest in related services (e.g., personal loans, debt consolidation);
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets;
• To comply with any court order, law, or legal process, including responding to any government or regulatory request;
• To enforce our rights arising from any contracts entered into between you and us;
• If we believe disclosure is necessary to protect the rights, property, or safety of our company, the Service’s users, or others.

Automatic Collection of Usage Data; Use of Cookies

As you navigate through and interact with our Service, we may automatically collect usage data, including your IP address, browser type, and interaction patterns. We may use cookies to enhance user experience, store preferences, and analyze website traffic.

Your California Privacy Rights

If you are a California resident, you may obtain certain information regarding our disclosure of your Personal Information to third parties for their direct marketing purposes. To make such a request, please send an email to info@moelegacy.com.

Children Under the Age of 13

Our Service is not intended for children under 13 years of age, and no one under age 13 may provide any information to the Service.