Privacy Policy

Introduction

Rising Tides Consults LLC, doing business as Tides Credit ("we," "us," or "our"), is committed to protecting your privacy and personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us in any way.

By using our services or providing us with your personal information, you consent to the data practices described in this Privacy Policy. If you do not agree with the practices described in this Privacy Policy, please do not use our services or provide us with your personal information.

1. Information We Collect

1.1 Personal Information

We collect personal information that you voluntarily provide to us when you:

• Create an account or register for our services
• Request credit repair or other services
• Contact us for customer support
• Subscribe to our newsletters or marketing communications
• Participate in surveys or promotional activities

This personal information may include:

• Name, address, phone number, and email address
• Social Security number
• Date of birth
• Financial information, including credit reports, credit scores, and account information
• Payment information, including credit card or bank account details
• Employment information
• Communications with us, including emails, chat logs, and call recordings

1.2 Automatically Collected Information

When you visit our website or use our services, we automatically collect certain information about your device and usage patterns:

• IP address and location information
• Browser type and operating system
• Pages visited and time spent on our website
• Referring website or source
• Device identifiers and mobile device information

1.3 Third-Party Information

We may obtain information about you from third parties, including credit bureaus, data aggregators, public records, and other legally permissible sources. This information may include credit reports, financial information, and public records data.

2. How We Use Your Information

We use your personal information for the following purposes:

2.1 Service Provision

• Provide credit repair and monitoring services
• Analyze your credit reports and scores
• Communicate with credit bureaus and creditors on your behalf
• Create personalized action plans and recommendations
• Monitor your credit for changes and improvements

2.2 Business Operations

• Process payments and manage billing
• Verify your identity and prevent fraud
• Provide customer support and respond to inquiries
• Improve our services and website functionality
• Comply with legal and regulatory requirements

2.3 Marketing and Communications

• Send service updates and account notifications
• Provide educational content and credit improvement tips
• Send promotional offers and marketing communications (with your consent)
• Conduct surveys and market research

3. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share your information in the following circumstances:

3.1 Service Providers

We work with trusted third-party service providers who assist us in operating our business and providing services to you. These may include:

• Payment processors and financial institutions
• Credit bureaus and data providers
• Technology and hosting providers
• Customer service and communication platforms
• Marketing and analytics providers

3.2 Legal Requirements

We may disclose your information if required to do so by law or in response to:

• Subpoenas, court orders, or legal processes
• Government investigations or regulatory inquiries
• Requests to protect our rights, property, or safety
• Prevention of fraud or illegal activities

3.3 Business Transfers

In the event of a merger, acquisition, bankruptcy, or sale of company assets, your information may be transferred as part of the business transaction. We will notify you of any such change in ownership or control of your personal information.

3.4 With Your Consent

We may share your information with third parties when you have given us explicit consent to do so.

4. Data Security

We implement appropriate technical, administrative, and physical security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security measures include:

• 256-bit SSL encryption for data transmission
• Secure data storage with encryption at rest
• Access controls and employee authentication
• Regular security audits and vulnerability assessments
• Employee training on data protection and privacy
• Secure backup and disaster recovery procedures

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we continuously work to improve our security measures and respond promptly to any security incidents.

5. Your Privacy Rights

You have certain rights regarding your personal information, which may vary depending on your location:

5.1 Access and Portability

You have the right to request access to the personal information we have about you and to receive a copy of that information in a portable format.

5.2 Correction and Update

You may request that we correct or update your personal information if it is inaccurate or incomplete.

5.3 Deletion

You may request that we delete your personal information, subject to certain exceptions for legal compliance, fraud prevention, and legitimate business purposes.

5.4 Opt-Out

You may opt out of receiving marketing communications from us at any time by using the unsubscribe link in our emails or contacting us directly.

5.5 Restrict Processing

You may request that we restrict the processing of your personal information in certain circumstances.

To exercise any of these rights, please contact us using the information provided in the "Contact Us" section below. We will respond to your request within the timeframe required by applicable law.

6. Cookies and Tracking Technologies

We use cookies, web beacons, and other tracking technologies to enhance your experience on our website and provide personalized content. These technologies help us:

• Remember your preferences and login information
• Analyze website usage and improve functionality
• Provide targeted advertising and content
• Measure the effectiveness of our marketing campaigns

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect the functionality of our website and services.

7. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. The retention period varies depending on the type of information and the purpose for which it was collected:

• Account information: Retained for the duration of your account plus 7 years after closure
• Financial records: Retained for 7 years after the last transaction
• Marketing communications: Retained until you opt out or for 3 years of inactivity
• Website usage data: Retained for 2 years for analytics purposes

When personal information is no longer needed, we securely delete or anonymize it according to our data retention policies and applicable legal requirements.

8. Children's Privacy

Our services are not intended for individuals under the age of 18, and we do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly. If you believe that we may have collected information from a child under 18, please contact us immediately.

9. International Data Transfers

Your personal information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws than your country. When we transfer your information internationally, we implement appropriate safeguards to protect your personal information, including standard contractual clauses and other legal mechanisms recognized by applicable data protection laws.

10. State-Specific Privacy Rights

10.1 California Residents

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information we collect and how it is used
• Right to delete personal information (subject to certain exceptions)
• Right to opt out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising your privacy rights

10.2 Other State Rights

Residents of other states may have additional privacy rights under applicable state laws. Please contact us to learn more about your rights and how to exercise them.

11. Third-Party Links and Services

Our website may contain links to third-party websites, services, or applications that are not owned or controlled by us. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party services before providing them with your personal information.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or applicable laws. When we make material changes to this Privacy Policy, we will:

• Post the updated policy on our website
• Update the "Last updated" date at the top of this policy
• Notify you via email or through our services if required by law

Your continued use of our services after the effective date of the updated Privacy Policy constitutes acceptance of the changes. If you do not agree with the updated policy, you should discontinue using our services.