PRIVACY POLICY

Last Updated: September 26, 2026

E Credit & Wealth (“E Credit & Wealth,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us.

This Privacy Policy explains how we collect, use, disclose, and protect information when you visit ecreditandwealth.com, submit a form, communicate with us, purchase or use our services, or opt in to receive communications from E Credit & Wealth.

By using our website or providing information to us, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

We may collect personal information that you voluntarily provide to us, including:

  • First and last name

  • Email address

  • Mobile or telephone number

  • Mailing address, when applicable

  • Information submitted through website forms

  • Appointment or consultation information

  • Information related to services you request

  • Communications you send to us

  • Account or customer-service information

  • Payment and transaction-related information, where applicable

  • Other information you voluntarily provide

Depending on the services you request, you may also provide information related to your credit profile or credit reports.

Please do not provide information that is not reasonably necessary for the service you are requesting.

2. Information Collected Automatically

When you access our website, certain information may be collected automatically through cookies, analytics technologies, server logs, or similar technologies.

This information may include:

  • IP address

  • Browser type

  • Device type

  • Operating system

  • Pages viewed

  • Date and time of visits

  • Referring website or page

  • General website interaction information

  • Approximate geographic information derived from an IP address

We use this information primarily to operate, maintain, secure, understand, and improve our website and services.

3. How We Use Your Information

E Credit & Wealth may use personal information for legitimate business purposes, including to:

  • Provide requested services

  • Respond to questions and inquiries

  • Schedule and manage appointments

  • Communicate regarding your account or requested services

  • Provide customer support

  • Process transactions, where applicable

  • Maintain business and customer records

  • Improve our website and services

  • Understand website usage and performance

  • Detect and prevent fraud, misuse, or security incidents

  • Comply with applicable legal or regulatory obligations

  • Send service-related communications

  • Send SMS messages when you have provided the appropriate consent

  • Send marketing or promotional communications when you have separately consented to receive them

We do not use your information for purposes materially different from those described in this Privacy Policy without providing appropriate notice or obtaining consent when required.

4. Cookies and Tracking Technologies

E Credit & Wealth may use cookies, pixels, analytics tools, and similar tracking technologies to help operate our website, understand how visitors interact with our pages, measure website performance, and improve the user experience.

These technologies may collect information such as your browser type, device type, IP address, pages visited, referring pages, time spent on pages, and website interaction data.

We may also use third-party service providers that provide website hosting, analytics, advertising, communications, or related functionality. Those providers may use cookies or similar technologies in accordance with their own privacy policies and the services they provide to us.

You can generally control or disable cookies through your web browser settings. Disabling certain cookies may affect the availability or functionality of portions of our website.

Where required by applicable law, we will obtain appropriate consent before using non-essential cookies or similar tracking technologies.

5. SMS Communications and Consent

E Credit & Wealth may collect your mobile phone number when you voluntarily provide it through our website, forms, appointment pages, or other direct interactions with our business.

If you expressly opt in to receive non-marketing text messages, we may send communications related to your account, appointments, requested services, reminders, notifications, customer support, and service updates.

If you separately opt in to receive marketing text messages, we may send promotional messages, educational information, special offers, and updates regarding E Credit & Wealth products or services.

Message frequency may vary. Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP.

For assistance, reply HELP or contact us using the information provided in the Contact Us section below.

Consent to receive marketing text messages is voluntary and is not a condition of purchasing any goods or services from E Credit & Wealth.

6. SMS Opt-In Data and Mobile Information

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Information sharing with subcontractors or service providers that support our operations, such as customer service or messaging delivery, may be permitted when reasonably necessary to provide those services.

Text messaging originator opt-in data and consent will not be shared with third parties or affiliates for their own marketing or promotional purposes.

E Credit & Wealth does not sell SMS opt-in information or consent.

7. How We Share Information

We may disclose personal information to service providers that perform legitimate business functions on our behalf, such as:

  • Website hosting

  • Customer relationship management

  • Communications and messaging

  • Appointment scheduling

  • Payment processing

  • Analytics

  • Customer support

  • Data storage and security

These providers are given access only as reasonably necessary to perform services for us and are expected to handle information appropriately.

We may also disclose information when reasonably necessary to:

  • Comply with applicable laws or legal processes

  • Respond to lawful requests from governmental authorities

  • Protect our rights, property, or safety

  • Protect customers or other individuals

  • Detect, investigate, or prevent fraud, security incidents, or unlawful activity

  • Complete a business transaction such as a merger, acquisition, restructuring, or sale, subject to applicable legal requirements

For clarity, these provisions do not permit the sharing of SMS opt-in data or mobile information with third parties or affiliates for their own marketing or promotional purposes.

8. Data Security Practices

E Credit & Wealth takes reasonable administrative, technical, and organizational measures designed to protect personal information against unauthorized access, use, disclosure, alteration, loss, misuse, or destruction.

Depending on the nature of the information and systems involved, safeguards may include:

  • Access controls

  • Authentication measures

  • Secure technology platforms

  • Restricted access to personal information

  • Reputable third-party service providers

  • Monitoring and other reasonable security measures

Access to personal information is limited to authorized personnel and service providers who require access to perform legitimate business functions.

However, no website, electronic transmission, network, or storage system can be guaranteed to be completely secure. Therefore, although we take reasonable measures to safeguard information, we cannot guarantee absolute security.

9. Data Retention

We may retain personal information for as long as reasonably necessary to provide our services, maintain appropriate business records, comply with legal or regulatory requirements, resolve disputes, enforce agreements, and fulfill the purposes described in this Privacy Policy.

Retention periods may vary depending on the nature of the information, why it was collected, and applicable legal requirements.

When information is no longer reasonably necessary, we may delete, anonymize, or otherwise dispose of it in accordance with our data-retention practices and applicable law.

10. Your Privacy Choices and Rights

Depending on where you reside and applicable law, you may have certain rights regarding your personal information.

These may include the ability to:

  • Request information about personal data we maintain about you

  • Request correction of inaccurate information

  • Request deletion of certain personal information

  • Update your contact information

  • Withdraw certain previously provided consents

  • Unsubscribe from marketing communications

To request assistance regarding your personal information, contact us using the information provided below.

We may need to verify your identity before processing certain privacy requests.

11. Email Communications

You may unsubscribe from promotional email communications by using the unsubscribe link included in applicable marketing emails or by contacting us.

Even if you unsubscribe from marketing emails, we may continue sending non-promotional communications when reasonably necessary to provide services you requested, manage your account, respond to inquiries, or fulfill legal obligations.

12. SMS Opt-Out Rights

You may opt out of SMS messages by replying:

STOP

After submitting an opt-out request, you may receive a confirmation message. We will process your request in accordance with applicable messaging requirements.

For SMS assistance, reply:

HELP

Opting out of SMS marketing does not necessarily prevent us from communicating with you through other channels when permitted by law and appropriate to the services you have requested.

13. Third-Party Websites and Services

Our website may contain links to third-party websites, platforms, or services.

E Credit & Wealth does not control the privacy practices of independent third parties. When you leave our website or interact directly with another provider, that provider's privacy policy and terms may apply.

We encourage you to review the privacy policies of third-party services before providing personal information directly to them.

14. Children's Privacy

Our website and services are intended for individuals 18 years of age or older.

We do not knowingly intend to collect personal information through our services from individuals under the age of 18.

If we become aware that information was collected from an individual under 18 in circumstances where it should not have been collected, we may take reasonable steps to delete it.

15. Credit and Financial Information

Because E Credit & Wealth provides credit-related services and education, customers may provide information concerning their credit profiles or financial circumstances when requesting certain services.

We use such information only as reasonably necessary to provide requested services, communicate with customers, maintain appropriate records, and satisfy applicable business and legal obligations.

We do not guarantee any particular credit score increase, removal of specific information from a credit report, loan approval, financing approval, or other financial result.

16. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our services, technology, business practices, or legal requirements.

When changes are made, the revised Privacy Policy will be posted on our website and the Last Updated date will be updated.

We encourage you to review this Privacy Policy periodically.

17. Contact Us

If you have questions about this Privacy Policy, our privacy practices, or would like to exercise an applicable privacy right, please contact:

E Credit & Wealth
Website: ecreditandwealth.com
Email: [email protected]
Phone: +1 510-660-2400