Right Way Credit Solution

Cordova, TN 38018

Phone: 901-670-8628 · Email: info@rightwcs.com

Effective Date: 1 September 2025

1. Who We Are

Right Way Credit Solution (“Company,” “we,” “us,” “our”) provides credit education and credit-repair consulting services to consumers.

2. What This Policy Covers

This policy explains how we collect, use, disclose, and safeguard your information in connection with our website, forms, email/SMS communications, and services. Because we offer financial-adjacent services, parts of the Gramm-Leach-Bliley Act (GLBA) & Regulation P may apply to our handling of “nonpublic personal information” (NPI). We provide a GLBA-style privacy notice and opt-out where required. Consumer Financial Protection BureauFDIC

3. Information We Collect

• Identifiers & Contact: name, address, email, phone, date of birth.

• Credit-related: copies of credit reports you provide, dispute data, creditor/collection information, supporting documents.

• Transactional: service history, invoices, payments (processed by PCI-compliant processors; we do not store full card numbers).

• Technical: IP address, device/browser, pages visited, cookies or similar technologies.

4. Sources

• Directly from you (forms, uploads, calls, SMS, email).

• From your authorization to obtain credit information or to communicate with creditors/CRAs.

• From our service providers (billing, analytics, communications).

5. Purposes for Use

• Deliver services (credit education, drafting dispute letters per your direction), account setup, customer support.

• Authentication, security, fraud prevention.

• Billing, collections, bookkeeping, audits, compliance.

• Communications about your account, appointments, and legally-permitted marketing (you can opt out at any time).

6. Sharing of information

We do not sell personal information. We share only as needed with:

• Service providers/contractors (payments, cloud hosting, email/SMS platforms) under confidentiality.

• Consumer Reporting Agencies/creditors with your authorization to facilitate disputes.

• Compliance and law enforcement when required by law.

• Business transfers (e.g., merger) with notice and continued protection.

Under GLBA/Reg P, if we share NPI outside permitted exceptions, we provide an opt-out and annual (or otherwise compliant) privacy notice; small institutions that meet conditions may be exempt from annual notices. Consumer Financial Protection BureauFDIC

7. Your Choices & Rights

• Marketing opt-out: Unsubscribe links or email us.

• GLBA opt-out (if applicable): Request we limit sharing of NPI with non-affiliates where an opt-out right applies. Consumer Financial Protection Bureau

• Access/Update: Request a copy or correction of your information.

• SMS consent (TCPA): By providing your number, you agree to receive autodialed or prerecorded messages from us related to your account and services; consent isn’t a condition of purchase; message/data rates may apply; reply STOP to opt out. (47 U.S.C. § 227).

• E-SIGN: You consent to receive records electronically; you may withdraw consent by emailing us; we’ll provide a paper copy upon request (fees may apply). (15 U.S.C. § 7001).

8. Data Security

We use administrative, technical, and physical safeguards (access controls, encryption in transit where available, least-privilege access). No system is 100% secure.

9. Data Retention

We keep records as required by law and for legitimate business needs, then securely delete or de-identify.

10. Children

Services are for adults. We do not knowingly collect data from children under 13.

11. Tennessee Breach Notice

If a security breach exposes unencrypted personal information, we will notify affected Tennessee residents without unreasonable delay and no later than 45 days after discovery, unless law enforcement requests a delay. JustiaPerkins Coie

12. Changes

We may update this policy and will post the new effective date.

13. Contact

Questions or Privacy Requests: info@rightwcs.com · 901-670-8628 · Cordova, TN 38018.