Privacy Policy

This Privacy Policy explains how CreditMotiv collects, uses, stores, shares, and protects information when you visit our website, submit a form, communicate with us, enroll in a program, interact with our advertising, or otherwise use services connected to CreditMotiv, CreditMotiv Lift, CreditMotiv Access, CreditMotiv Reserve, or related offerings.

By using this website or submitting information to CreditMotiv, you agree to the practices described in this Privacy Policy.

1. Information We Collect

We may collect information directly from you, automatically through our website, or from third-party partners and service providers.

Information You Provide

• Name, company name, job title, and business information.
• Email address, phone number, mailing address, and contact details.
• Information submitted through website forms, landing pages, quote forms, enrollment forms, calendar bookings, or chat tools.
• Information related to business needs, customer volume, financing activity, credit-related roadblocks, or recovery program interest.
• Communications you send to us by phone, email, text message, form submission, or other channels.
• Payment, billing, transaction, or enrollment information where applicable.

Customer or Consumer Information

If a business, partner, or enrolled client refers a customer to CreditMotiv, we may receive information necessary to introduce, evaluate, route, or support that customer’s recovery path. This may include contact information, referral source, program interest, and information reasonably necessary to connect the customer with the appropriate service provider or partner.

Automatically Collected Information

• IP address, browser type, device type, operating system, and approximate location.
• Pages visited, links clicked, time spent on site, referring URLs, and interaction data.
• Cookie identifiers, advertising identifiers, analytics IDs, and session data.
• Form interaction data, CTA clicks, and website conversion tracking events.

2. How We Use Information

CreditMotiv may use collected information to:

• Respond to inquiries, form submissions, calls, text messages, and emails.
• Provide information about CreditMotiv programs, services, enrollment options, and partner opportunities.
• Operate CreditMotiv Lift, CreditMotiv Access, CreditMotiv Reserve, and related recovery pathways.
• Connect businesses, customers, or referred consumers with appropriate service providers, legal partners, vendors, or affiliated networks.
• Manage enrollments, accounts, billing, program participation, and customer support.
• Improve our website, marketing, user experience, advertising performance, and conversion tracking.
• Send transactional, administrative, promotional, or marketing communications.
• Comply with legal, regulatory, security, contractual, tax, accounting, and business obligations.
• Prevent fraud, misuse, unauthorized access, or harmful activity.

3. Calls, Text Messages, Email, and TCPA Consent

When you submit your contact information to CreditMotiv, you authorize CreditMotiv, its affiliates, partners, vendors, service providers, and authorized representatives to contact you using the information you provided.

This may include calls, text messages, emails, ringless voicemail where permitted, prerecorded messages, artificial voice messages, AI-generated or generative voice messages, automated technology, autodialers, and other communication systems, subject to applicable law.

Consent is not required as a condition of purchase. Message and data rates may apply. You may opt out of marketing text messages by replying STOP. You may request help by replying HELP or contacting us using the information below.

4. Cookies, Pixels, Analytics, and Advertising

We may use cookies, pixels, tags, scripts, server logs, analytics tools, and advertising technologies to operate the website, understand user behavior, measure campaign performance, retarget visitors, and improve marketing effectiveness.

These tools may include services such as:

• Google Analytics or similar analytics platforms.
• Meta Pixel, Google Ads, or other advertising pixels.
• CRM, form, funnel, call tracking, scheduling, and attribution platforms.
• Email, SMS, automation, and customer communication tools.

You can control cookies through your browser settings. Some website features may not function properly if cookies are disabled.

5. How We Share Information

CreditMotiv may share information with trusted parties when reasonably necessary for business, operational, legal, marketing, or service-related purposes.

We may share information with:

• Affiliated companies, brands, business units, or common ownership entities.
• Service providers that support website hosting, CRM, forms, analytics, marketing, communications, payment processing, security, and business operations.
• Legal partners, credit recovery partners, compliance vendors, or professional service providers where applicable.
• Business clients, referral partners, or enrolled companies when necessary to support a co-branded customer recovery experience.
• Advertising, analytics, and tracking partners.
• Government authorities, courts, regulators, or other parties when required by law or legal process.
• Successors or potential successors in connection with a merger, acquisition, financing, sale, reorganization, or transfer of business assets.

We do not sell personal information in the traditional sense of exchanging it directly for money. However, some privacy laws may define certain advertising, analytics, retargeting, or data-sharing activities as a “sale,” “share,” or “targeted advertising.” You may contact us to request more information or opt out where applicable.

6. Credit, Financial, and Sensitive Information

CreditMotiv may receive or process information related to credit challenges, financing roadblocks, customer recovery needs, or business-funded recovery programs. Where sensitive information is collected, we use it only for the purposes disclosed, authorized, or reasonably necessary to provide the requested service, route the customer, support the program, comply with law, or protect the parties involved.

CreditMotiv does not guarantee credit score increases, financing approvals, lender decisions, credit bureau outcomes, creditor responses, loan terms, interest rates, future purchasing ability, or program results.

7. Data Retention

We retain information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, provide services, manage relationships, comply with legal obligations, resolve disputes, enforce agreements, prevent fraud, maintain records, and support legitimate business operations.

8. Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect information from unauthorized access, loss, misuse, disclosure, alteration, or destruction. However, no website, platform, transmission, or storage system can be guaranteed to be completely secure.

9. Your Privacy Choices

Depending on your location and applicable law, you may have the right to:

• Request access to personal information we maintain about you.
• Request correction of inaccurate information.
• Request deletion of certain information.
• Opt out of certain marketing communications.
• Opt out of certain targeted advertising, sharing, or sale activities where applicable.
• Limit the use or disclosure of certain sensitive personal information where applicable.
• Request a copy of certain personal information in a portable format where required by law.

To submit a privacy request, contact us using the information listed in the “Contact Us” section below. We may need to verify your identity before processing certain requests.

10. California and State Privacy Rights

Residents of California, Colorado, Connecticut, Virginia, Utah, and other states with privacy laws may have additional rights regarding personal information, including rights to access, delete, correct, opt out of targeted advertising, opt out of certain data sharing, or appeal certain decisions.

We will honor applicable state privacy rights as required by law. To exercise these rights, contact us using the information below.

11. Email Marketing Opt-Out

You may unsubscribe from promotional emails by using the unsubscribe link included in our emails or by contacting us directly. We may still send transactional, administrative, legal, security, or service-related communications where permitted.

12. SMS/Text Message Opt-Out

You may opt out of marketing text messages at any time by replying STOP. After opting out, you may receive a final confirmation message. You may receive help by replying HELP.

13. Do Not Track Signals

Some browsers transmit “Do Not Track” signals. Because there is no uniform industry standard for responding to these signals, our website may not respond to them. You may still control cookies and tracking through browser settings and applicable privacy tools.

14. Third-Party Websites and Services

Our website may link to third-party websites, platforms, forms, calendars, payment processors, service providers, or partner pages. We are not responsible for the privacy practices, content, or security of third-party websites or services. Please review their privacy policies before submitting information.

15. Children’s Privacy

CreditMotiv services are not directed to children under 13. We do not knowingly collect personal information from children under 13. If we learn that we have collected information from a child under 13, we will take reasonable steps to delete it.

16. Business Transfers

If CreditMotiv or its affiliated entities are involved in a merger, acquisition, sale, financing, restructuring, bankruptcy, transfer of assets, or other business transaction, information may be transferred or disclosed as part of that transaction.

17. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we update it, we will revise the effective date above. Continued use of our website or services after changes are posted means you accept the updated Privacy Policy.

18. Contact Us

If you have questions about this Privacy Policy, want to exercise privacy rights, or wish to update communication preferences, you may contact us at:

CreditMotiv
1621 Central Ave. #8227
Cheyenne, Wyoming 82001

Email: [email protected]

This Privacy Policy is provided for general business and website use and should be reviewed by qualified legal counsel before publication, especially for credit-related services, TCPA compliance, state privacy law obligations, financial data handling, and partner-specific data-sharing practices.