Privacy Policy.

01. Introduction

Speak Life Financial Solution ("Speak Life," "we," "us," or "our") respects the privacy of individuals who interact with our business.

This Privacy Policy applies to personal information collected through our website, contact forms, service enrollment process, onboarding procedures, communications, and client-related activities that we operate or control.

By using our website, you acknowledge that you have been provided access to this Policy. Where consent is required by law, we request it separately. This Policy does not replace any required service agreement, consumer disclosure, or communication consent.

02. Information We Collect

Depending on your interaction with Speak Life, we may collect the following categories of information:

Personal and Contact Information

• Full legal name
• Mailing and residential address
• Email address and telephone number
• Date of birth, when needed for identity verification
• Information provided through forms or messages

Identity Verification Information

• Government-issued identification
• Proof of residential address
• Other information reasonably necessary to verify identity

Credit and Financial Information

• Credit reports and related credit file information
• Credit accounts, balances, and payment history
• Collections, charge-offs, and other reported items
• Dispute records and supporting documentation
• Credit monitoring reports or updates made available to us with authorization
• Financial goals and service preferences

Service and Transaction Information

• Selected service package
• Enrollment and onboarding records
• Contracts, authorizations, and acknowledgments
• Invoices, payment status, and transaction records
• Client portal activity and service correspondence

Payments may be processed by a third-party payment provider. The information we receive from that provider depends on the payment system used and may include payment confirmation, transaction identifiers, and limited payment method details.

Website and Technical Information

• IP address and approximate location derived from it
• Browser and device information
• Pages visited and website interactions
• Referral sources and basic usage analytics
• Cookie or similar technology identifiers, where used

We do not require every category of information from every visitor. Information collected depends on the service requested and the information reasonably necessary to provide it.

03. How We Collect Information

We may collect information:

• Directly from you when you complete forms, enroll, upload documents, or contact us.
• Through your authorized use of client onboarding and portal tools.
• From credit monitoring or other service providers when you have authorized the relevant access or disclosure.
• From payment processors and service platforms involved in your transaction.
• Automatically through website technologies, where enabled.

Please provide accurate information and use designated secure upload channels for identification documents and sensitive credit information.

04. How We Use Information

We use personal information for legitimate business and service purposes, including to:

• Respond to questions and service requests
• Process enrollment and onboarding
• Verify identity and maintain client records
• Review credit information provided with authorization
• Identify potentially inaccurate or incomplete credit reporting
• Prepare, manage, and track authorized dispute-related activities
• Provide credit education and client resources
• Deliver service updates and portal notifications
• Process and document transactions
• Maintain, troubleshoot, and improve our services
• Detect fraud, unauthorized activity, or security concerns
• Meet legal, regulatory, and recordkeeping obligations

We use information for marketing communications only as permitted by applicable law and the preferences or consents associated with the relevant communication.

05. How We Share Information

We may disclose personal information to parties that assist us in providing authorized services or fulfilling legal obligations.

Service Providers

These may include customer relationship management platforms, secure document storage providers, client portal providers, communication services, hosting providers, payment processors, and other vendors performing services on our behalf.

Credit Reporting and Dispute-Related Parties

When authorized and appropriate for your service, information may be provided to consumer reporting agencies, furnishers, or other relevant parties in connection with credit report disputes.

Legal and Security Purposes

We may disclose information when required by applicable law, valid legal process, or when reasonably necessary to investigate fraud, protect rights, or address security incidents.

Business Transactions

If the business undergoes a merger, sale, restructuring, or transfer, information may be disclosed or transferred as permitted by law and subject to applicable confidentiality and privacy requirements.

We do not disclose sensitive credit or identification information to unrelated third parties for their independent marketing purposes without an appropriate lawful basis or authorization.

06. Credit Monitoring Services

Certain Speak Life services require clients to obtain access to credit monitoring information through MyFreeScoreNow.

MyFreeScoreNow is a separate third-party service. When you follow a link to its enrollment website, information submitted directly to that provider is governed by its own privacy policy and applicable terms.

If you authorize access to credit monitoring reports or provide those reports to Speak Life, we may use that information for the credit-related services you have requested.

Any third-party monitoring subscription fees, renewal terms, and cancellation procedures are separate from this Privacy Policy and should be reviewed before subscribing.

07. SMS and Email Communications

If you provide your contact information, Speak Life may communicate with you regarding your inquiry, enrollment, onboarding, requested services, client account, or other permitted business matters.

Text Messages

Depending on your preferences and applicable consent, messages may include onboarding reminders, document requests, account notifications, service updates, and promotional messages.

Where required, marketing text messages are sent only after obtaining the appropriate consent. Consent to marketing messages is not a condition of purchasing our services.

You may opt out of text messages by replying STOP to a message that supports replies or by contacting us directly. Reply HELP for assistance where supported. Message and data rates may apply.

Email Communications

Marketing emails may include an unsubscribe link. You may also request removal from promotional email communications by contacting us.

Opting out of marketing does not necessarily prevent communications necessary to administer an existing service, complete a transaction, or provide legally required notices.

08. Cookies and Website Analytics

Our website and service providers may use cookies or similar technologies to support website functionality, remember settings, maintain security, and understand website performance.

Depending on the tools enabled, these technologies may collect device information, browser details, website activity, and similar technical data.

You can manage cookies through your browser settings. Disabling certain cookies may affect website functionality.

Where required by applicable law, we will provide additional information or choices regarding nonessential cookies and tracking technologies.

09. Data Security

Speak Life recognizes the sensitive nature of credit, financial, and identity-related information.

We take reasonable steps appropriate to the information involved to protect personal information against unauthorized access, misuse, alteration, or disclosure.

Security measures may include restricted access, authenticated systems, secure transmission methods, service-provider safeguards, and procedures for handling sensitive documents.

No internet transmission or electronic storage system can be guaranteed completely secure. If a security incident occurs, we will assess it and provide notifications as required by applicable law.

10. Data Retention

We retain personal information for as long as reasonably necessary to provide requested services, maintain accurate business records, resolve disputes, comply with legal obligations, and protect legitimate business interests.

Retention periods may vary depending on the category of information, the purpose for which it was collected, the status of your account, and applicable legal requirements.

When information is no longer required, we take reasonable steps to delete, destroy, de-identify, or otherwise dispose of it securely, subject to applicable law and technical limitations.

11. Your Privacy Choices

Subject to applicable law, you may contact us to:

• Ask what personal information we maintain about you
• Request correction of inaccurate contact information
• Request deletion of eligible information
• Update communication preferences
• Withdraw consent where withdrawal is permitted
• Ask questions about our privacy practices

We may need to verify your identity before processing requests involving sensitive personal information.

Some requests may be limited by recordkeeping requirements, contractual obligations, legal claims, fraud prevention, or other lawful exceptions.

To submit a request, email [email protected] .

12. State Privacy Rights

Depending on your state of residence and the laws applicable to our business, you may have additional rights regarding access, correction, deletion, portability, or certain uses and disclosures of personal information.

We will evaluate privacy requests under the laws applicable to the request and our business operations. Certain information may be exempt from specific state privacy laws, including information governed by other financial or consumer reporting laws.

We do not discriminate against individuals for exercising privacy rights protected by applicable law.

13. Children's Privacy

Our website and services are intended for adults and are not directed toward children under the age of 13.

We do not knowingly solicit personal information directly from children under 13 through our website.

If you believe a child has submitted personal information to us without appropriate authorization, please contact us so we can review the situation and take appropriate action.

14. Third-Party Websites

Our website may contain links to third-party websites, payment platforms, credit monitoring services, or other external resources.

We do not control the privacy practices of independently operated third-party websites. Their collection and use of information are governed by their own privacy policies and terms.

We encourage you to review those policies before providing personal or financial information.

15. Changes to This Policy

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

When we make changes, we will update the effective date displayed at the top of this page.

Where required by law, we will provide additional notice or obtain consent before materially changing how personal information is used.