At Boost Credit Score, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, disclose, and protect your information when you use our website or financial services.

1. Information We Collect:
We collect personal and financial information necessary to provide our services and comply with legal obligations. This may include your full name, email address, phone number, residential address, date of birth, Social Security Number (SSN) or Tax Identification Number, banking information, employment details, income information, payment records, government-issued identification, and other information you voluntarily provide while using our services. We may also automatically collect device information such as IP address, browser type, operating system, and usage analytics.

2. Purpose of Data Collection:
Your information is collected solely to provide and improve our financial services, verify your identity, process applications, perform credit evaluations, comply with regulatory requirements, prevent fraud, communicate with you regarding your accounts, and enhance your overall customer experience. All collection practices comply with applicable laws, including the Gramm-Leach-Bliley Act (GLBA).

3. Cookies and Tracking Technologies:
Our website uses essential, functional, and analytical cookies to improve performance and user experience. Cookies help us remember your preferences, maintain secure sessions, analyze website traffic, and optimize our services. You may disable cookies through your browser settings, although certain features of the website may not function properly.

4. Data Security:
We employ industry-standard security measures to safeguard your information. Sensitive data is protected using AES-256 encryption while stored and TLS/ SSL encryption during transmission. Additional safeguards include secure authentication mechanisms, firewalls, access controls, continuous system monitoring, and regular security assessments to minimize unauthorized access or disclosure.

5. Data Retention:
We retain personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal and regulatory obligations, resolve disputes, enforce agreements, and maintain appropriate business records. Once retention is no longer required, information is securely deleted or anonymized.

6. Sharing with Third Parties:
We do not sell or rent your personal information. Your data may only be shared with trusted and compliant third-party service providers, including credit bureaus, insurance underwriters, banking partners, payment processors, identity verification providers, legal advisors, regulators, auditors, and technology vendors when necessary to deliver requested services or comply with applicable laws. All partners are expected to maintain appropriate confidentiality and security standards.

7. Consumer Rights:
Subject to applicable law, you may have the right to access, review, update, correct, or request deletion of your personal information. You may also request a copy of the information we maintain about you or object to certain processing activities where legally permitted. Requests may be submitted using the contact details provided below.

8. California Privacy Rights (CCPA):
California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what categories of personal information are collected, request deletion of eligible data, and opt out of the sale of personal information. Boost Credit Score does not sell personal information to third parties.

9. Children's Privacy:
Our services are intended for individuals who are at least 18 years of age. We do not knowingly collect personal information from children under the age of 13. If such information is inadvertently collected, appropriate steps will be taken to promptly remove it from our systems.

10. Policy Updates:
We may revise this Privacy Policy periodically to reflect changes in our practices, legal requirements, or business operations. Updated versions will be posted on this page with the revised effective date, and continued use of our services constitutes acceptance of the updated policy.

11. Contact Information:
If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact:

At Boost Credit Score, your use of our website and financial services constitutes your acceptance of these Terms and Conditions. Please read them carefully before accessing or using any of our products, platforms, or services.

1. Service Usage:
By accessing or using our services, you represent and warrant that all information you provide is accurate, complete, and up to date. You agree to promptly update any information that becomes inaccurate or outdated. Providing false, misleading, or fraudulent information may result in the suspension or immediate termination of your account and services, as well as potential legal action where permitted by applicable law. You are solely responsible for ensuring that your use of our services complies with all applicable local, state, federal, and international laws and regulations.

2. Investment and Financial Disclaimers:
Financial planning, investment advisory, wealth management, insurance, and lending services are provided based on the information available at the time of consultation. While our advisors operate in a fiduciary capacity where required by law, no investment strategy or financial recommendation guarantees future returns or eliminates the risk of loss. Investments are subject to market fluctuations and may result in partial or complete loss of principal. Loan products remain subject to eligibility requirements, underwriting standards, and final approval by our federally insured banking and lending partners.

3. Fees and Payments:
Fees associated with advisory, investment management, loan origination, insurance brokerage, or other financial services will be clearly disclosed before services are provided. Advisory fees are outlined in the applicable Form ADV Part 2 or equivalent disclosure documents. Loan origination fees, closing costs, interest rates, and repayment terms will be disclosed through official Loan Estimates, Closing Disclosures, or related documentation prior to funding. By engaging our services, you agree to pay all applicable fees in accordance with the agreed terms.

4. Limitation of Liability:
To the fullest extent permitted by law, Boost Credit Score, its affiliates, directors, employees, agents, and partners shall not be liable for any indirect, incidental, special, punitive, or consequential damages, including but not limited to lost profits, business interruption, loss of data, investment losses, or damages arising from market volatility, technical failures, cyber incidents, third-party services, or your use or inability to use our digital platforms. Our total liability, if any, shall not exceed the amount of fees paid by you for the specific service giving rise to the claim.

5. Intellectual Property Rights:
All website content, including text, graphics, logos, icons, images, software, documents, videos, trademarks, service marks, and proprietary materials are the exclusive property of Boost Credit Score or its licensors and are protected by United States copyright, trademark, and intellectual property laws. No content may be copied, reproduced, distributed, republished, modified, transmitted, or commercially exploited without prior written authorization from Boost Credit Score.

6. User Responsibilities:
You are responsible for maintaining the confidentiality and security of your account credentials, passwords, authentication codes, and devices used to access our services. You agree not to share your login information with unauthorized individuals and must notify us immediately if you suspect unauthorized access, security breaches, or fraudulent activity involving your account. You remain responsible for all activities conducted under your account unless otherwise prohibited by law.

7. Prohibited Activities:
Users may not misuse our platform by engaging in unlawful activities, attempting unauthorized access to systems, introducing malicious software, transmitting fraudulent information, interfering with website operations, or violating the rights of other users. Any such activity may result in immediate account termination and referral to appropriate law enforcement authorities.

8. Governing Law:
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of USA, without regard to its conflict of law principles. Any legal interpretation shall be subject to applicable federal financial regulations and United States law.

9. Dispute Resolution:
Any dispute, claim, or controversy arising out of or relating to these Terms, your use of our services, or any transaction with Boost Credit Score shall first be attempted to be resolved through good-faith negotiations. If resolution cannot be reached, the dispute shall be submitted to binding arbitration in USA, in accordance with the Commercial Arbitration Rules of the American Arbitration Association (AAA). The arbitration decision shall be final and enforceable in any court of competent jurisdiction.

10. Changes to Terms:
Boost Credit Score reserves the right to modify or update these Terms and Conditions at any time. Updated versions will be posted on this website, and continued use of our services following such updates constitutes your acceptance of the revised Terms.