Right Way Credit Solution Cordova, TN 38018 Phone: 901-670-8628 · Email: in(mailto:Rightwaycreditsolution25@gmail.com)fo@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. C(https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/privacy-notices/?utm_source=chatgpt.com)onsumer Financial Protection BureauF(https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/privacy-notices/?utm_source=chatgpt.com)DIC(https://www.fdic.gov/regulations/compliance/manual/8/viii-1.1.pdf?utm_source=chatgpt.com) 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. C(https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/privacy-notices/?utm_source=chatgpt.com)onsumer Financial Protection BureauF(https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/privacy-notices/?utm_source=chatgpt.com)DIC(https://www.fdic.gov/regulations/compliance/manual/8/viii-1.1.pdf?utm_source=chatgpt.com) 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. C(https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/privacy-notices/?utm_source=chatgpt.com)onsumer Financial Protection Bureau(https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/privacy-notices/?utm_source=chatgpt.com) • 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. J(https://law.justia.com/codes/tennessee/title-47/chapter-18/part-21/section-47-18-2107/?utm_source=chatgpt.com)ustiaP(https://law.justia.com/codes/tennessee/title-47/chapter-18/part-21/section-47-18-2107/?utm_source=chatgpt.com)erkins Coie(https://perkinscoie.com/insights/publication/security-breach-notification-chart-tennessee?utm_source=chatgpt.com) 12. Changes We may update this policy and will post the new effective date. 13. Contact Questions or Privacy Requests: in(mailto:Rightwaycreditsolution25@gmail.com)fo@rightwcs.com · 901-670-8628 · Cordova, TN 38018.