COMPREHENSIVE PRIVACY POLICY
CREDIT REPAIR MASTERY, CAREERSAVER.AI & RELATED PROGRAMS
Effective Date: December 15, 2025
Last Updated: December 15, 2025
1. INTRODUCTION AND ACCEPTANCE
This Privacy Policy governs the collection, use, storage, and disclosure of personal information by Credit Repair Mastery, CareerSaver.ai, and all associated educational programs and brands (collectively, the “Company,” “we,” “us,” or “our”).
BY PURCHASING, ACCESSING, DOWNLOADING, OR USING ANY OF OUR PRODUCTS OR SERVICES, YOU EXPRESSLY CONSENT TO THE COLLECTION, USE, AND DISCLOSURE OF YOUR PERSONAL INFORMATION AS DESCRIBED IN THIS PRIVACY POLICY.
If you do not agree, do not purchase, access, or use our services.
This Privacy Policy is incorporated into and should be read alongside our Terms and Conditions.
2. INFORMATION WE COLLECT
2.1 Personal Information You Provide
- Full legal name
- Email address
- Billing and shipping address (if applicable)
- Phone number
- Payment information (processed by third-party processors only)
- Purchase and transaction history
- Email correspondence
- Support tickets
- Feedback, surveys, and marketing preferences
- Username and password
- Security settings and preferences
2.2 Information Automatically Collected
- IP address
- Browser type and version
- Operating system and device identifiers
- Time zone and ISP
- Pages viewed, time spent, links clicked
- Referral URLs
- Download and search activity
- Cookies (session & persistent)
- Pixels, web beacons
- Local storage identifiers
2.3 Information from Third Parties
- Payment processors (transaction verification, fraud data)
- Marketing and affiliate partners
- Analytics and advertising platforms
- Social media platforms (public interaction data only)
2.4 Sensitive Information
WE DO NOT KNOWINGLY COLLECT:
- Social Security numbers
- Credit reports or scores
- Bank account details
- Health or biometric data
If such data is voluntarily submitted, it is handled confidentially but strongly discouraged.
3. HOW WE USE YOUR INFORMATION
3.1 Core Business Purposes
- Order processing and delivery
- Account access and management
- Customer support
- Product improvement and analytics
- Legal and compliance obligations
3.2 Marketing & Communications
- Promotional emails and educational content
- Retargeting and paid advertising
- Affiliate and referral tracking
You may opt out of marketing at any time. Transactional emails are mandatory.
3.3 Analytics & Security
- Website performance measurement
- Conversion tracking
- Fraud prevention and chargeback protection
4. HOW WE SHARE INFORMATION
4.1 Service Providers
We share data only with vetted providers such as:
- Payment processors (e.g., Stripe, PayPal)
- Email platforms (e.g., ActiveCampaign, SendGrid)
- Hosting & cloud providers
- Analytics and advertising tools
4.2 Business Transfers
In the event of merger, acquisition, or sale, data may be transferred with notice.
4.3 Legal Obligations
Disclosure may occur to comply with law enforcement, court orders, or regulatory requirements.
4.4 Aggregated / De-Identified Data
Shared freely as it cannot identify individuals.
4.5 No Sale of Personal Information
We do not sell personal data for monetary consideration.
5. COOKIES & TRACKING TECHNOLOGIES
Types Used: Essential, Analytics, Marketing, Preference
Users may manage cookies via browser settings, though functionality may be affected.
6. DATA RETENTION
- Accounts: Active + 7 years post-closure
- Transactions: Minimum 7 years
- Marketing data: Until opt-out
- Backups: Up to 90 days
Aggregated data may be retained indefinitely.
7. DATA SECURITY
We implement:
- SSL/TLS encryption
- Secure access controls
- Regular audits and monitoring
No system is 100% secure. We disclaim liability for breaches beyond reasonable control.
8. YOUR RIGHTS & CHOICES
You may request:
- Access
- Correction
- Deletion (subject to legal retention)
- Marketing opt-out
Deletion does not entitle refunds.
9. CHILDREN’S PRIVACY
- Not intended for users under 18
- No knowing collection from minors
- COPPA compliant for under-13 discovery and deletion
10. INTERNATIONAL DATA TRANSFERS
10.1 U.S.-Based Operations
Data may be processed in the United States or other jurisdictions of service providers.
10.2 Consent to Transfer
By using our services, you consent to cross-border processing.
10.3 EEA & UK Users
We rely on contract necessity, legitimate interest, legal compliance, and consent. GDPR rights apply where applicable.
10.4 Canadian Users
We comply with PIPEDA where applicable.
11. CALIFORNIA PRIVACY RIGHTS (CCPA/CPRA)
California residents may:
- Request access, deletion, correction
- Opt out of sharing for targeted ads
- Designate authorized agents
We respond within statutory timelines.
12. NEVADA PRIVACY RIGHTS
Nevada residents may opt out of sale of covered data. We currently do not sell covered information.
13. OTHER U.S. STATE PRIVACY RIGHTS
Residents of Virginia, Colorado, Connecticut, and Utah have statutory rights including access, deletion, portability, and opt-out of targeted advertising.
14. CHANGES TO THIS POLICY
We may update this policy at any time. Continued use constitutes acceptance.
15. THIRD-PARTY WEBSITES
We are not responsible for third-party privacy practices or content.
16. USER CONTENT & PUBLIC FORUMS
Public submissions may be indexed and shared. Use discretion.
17. EMPLOYMENT & CONTRACTOR DATA
Applicant and employee data is handled separately and not used for marketing.
18. CONTACT INFORMATION
Privacy Inquiries:
Email: hello@careersaver.ai
Subject: Privacy Request
19. LIMITATION OF LIABILITY
Maximum liability is limited to the amount paid, if any. No indirect or consequential damages.
20. ARBITRATION & DISPUTE RESOLUTION
All disputes resolved via binding arbitration. No class actions or jury trials.
21. GOVERNING LAW
Governed by the laws of [Your U.S. State].
22–26. STANDARD LEGAL PROVISIONS
- Severability
- Entire Agreement
- No Waiver
- Survival
- Acknowledgment & Consent