UCS Privacy Policy

Version 1.4 — Institutional Controls Update

Contact: support@upwardcreditsolutions.net

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1. Purpose of This Privacy Policy

This Privacy Policy explains how Upward Credit Solutions (“UCS,” “we,” “us,” or “our”) collects, uses, stores, shares, and protects information when individuals interact with UCS websites, forms, webinars, courses, coaching, affiliate materials, or support channels.

UCS is an educational and lender-readiness platform. UCS is not a lender, bank, mortgage company, credit repair company, law firm, accounting firm, or financial advisory firm.

2. Scope of This Policy

This Policy applies to information collected through:

• UCS websites and landing pages
• Course and checkout pages
• Webinar registration pages
• Affiliate application pages
• Customer forms, quizzes, surveys, and intake forms
• Email, text, phone, chat, and support communications
• Course, coaching, and digital product access
• Affiliate resources and approved marketing assets
• Payment, billing, cancellation, and refund processes

This Policy does not govern third-party platforms, payment processors, webinar platforms, analytics tools, or other external services.

3. Information We May Collect

UCS may collect information voluntarily provided by users, information collected automatically through website or platform use, and information received from service providers.

4. Information You Provide Directly

UCS may collect:

• Name
• Email address
• Phone number
• Mailing address
• Last four digits of Social Security number, if voluntarily provided
• Order and billing information
• Course or webinar registration information
• Coaching intake information
• Affiliate application information
• Business or organization information
• Support requests
• Quiz, survey, or form responses
• Testimonials or voluntary submissions

UCS does not request or intentionally collect full Social Security numbers through general website, webinar, course, affiliate, or public intake forms.

5. Payment and Billing Information

UCS uses third-party payment processors and may receive limited payment-related information such as:

• Payment status
• Transaction identifiers
• Order details
• Refund or chargeback status
• Billing email

UCS does not intentionally store full credit card numbers.

6. Course, Coaching, and Customer Activity Information

UCS may collect:

• Course purchase history
• Course access and progress
• Coaching enrollment or cancellation status
• Support requests
• Educational worksheets or planning information voluntarily submitted

This information is used to provide access, support customers, maintain records, and improve the educational experience.

7. Affiliate Program Information

If you apply for or participate in the UCS affiliate program, UCS may collect:

• Affiliate application details
• Contact information
• Website or social media information
• Affiliate approval status
• Referral codes and attribution data
• Commission and payout information
• Refund, chargeback, or dispute information
• Affiliate compliance review records

8. Website, Device, and Usage Information

UCS may collect:

• IP address
• Device and browser type
• Pages visited
• Links clicked
• Form activity
• Referral source
• Approximate location
• Email open/click activity
• Webinar or checkout interaction data

9. Cookies and Similar Technologies

UCS and its service providers may use cookies, pixels, tags, and similar technologies to support:

• Website functionality
• Analytics
• Affiliate attribution
• Webinar tracking
• Checkout tracking
• Email performance

Users may manage cookies through browser settings.

10. How UCS Uses Information

UCS may use information to:

• Operate websites, webinars, courses, and support systems
• Provide access to purchased products
• Process payments and refunds
• Communicate with customers, affiliates, and registrants
• Manage coaching enrollment
• Review affiliate applications
• Track affiliate attribution and commissions
• Improve educational materials
• Protect against fraud or misuse
• Comply with legal and recordkeeping obligations

11. Educational and Lender-Readiness Use of Information

UCS uses voluntarily submitted information to provide:

• Educational information
• Budgeting education
• Financial organization support
• Coaching support
• Lender-readiness education

UCS does not use information to:

• Make lending decisions
• Approve or deny loans
• Provide credit repair services
• Guarantee outcomes
• Underwrite applications
• Determine lender eligibility

12. Email, Text, and Communication Consent

By submitting information to UCS, you consent to receive communications related to:

• Purchases
• Registrations
• Course access
• Coaching
• Affiliate participation
• Support requests

You may unsubscribe from marketing emails at any time.

13. How UCS Shares Information

UCS does not sell personal information.

UCS may share information with service providers supporting:

• Website hosting
• Course hosting
• Payment processing
• Email automation
• Webinar management
• Affiliate tracking
• Analytics
• Data storage
• Accounting, tax, or legal support

These providers may access information only as needed to perform services for UCS.

13.1 Institutional Status-Sharing Limitation

UCS does not share a consumer’s enrollment status, participation progress, milestone completion, course completion, coaching participation, or other program status with any referring bank, credit union, loan officer, mortgage originator, Realtor, affiliate, or institutional referral source unless the consumer has provided separate, explicit authorization for that status-sharing.

Without verified consumer authorization, consumer status information remains within UCS and is not disclosed to referral sources.

14. Affiliate Attribution and Referral Information

UCS may collect referral information to determine commission eligibility, track attribution, resolve disputes, enforce affiliate rules, and manage refund or chargeback issues.

Affiliate attribution information may include referral codes, affiliate IDs, tracking links, source information, registration records, and purchase attribution data.

15. Refunds, Chargebacks, and Disputes

UCS may retain information related to refunds, chargebacks, disputes, cancellations, account issues, and support requests to resolve issues, enforce policies, maintain accurate records, and comply with legal or business obligations.

16. Legal, Compliance, and Safety Disclosures

UCS may disclose information when necessary to:

• Comply with law
• Respond to lawful requests
• Protect UCS rights
• Investigate fraud, misuse, or unauthorized activity
• Enforce UCS policies
• Protect users, affiliates, customers, or the public

17. Data Retention

UCS retains information as long as reasonably necessary to operate the business, provide services, comply with legal obligations, maintain accurate records, resolve disputes, support tax/accounting needs, and enforce agreements or policies.

18. Data Security

UCS uses reasonable administrative, technical, and operational safeguards to protect information.

Last-Four SSN Security Clause

Where the last four digits of a Social Security number are voluntarily provided for internal verification, duplicate-prevention, tracking, or system-integration purposes, UCS limits access to that data and applies reasonable administrative, technical, and operational safeguards.

UCS does not share this partial data element with any referring institution, affiliate, Realtor, loan officer, or professional referral source unless required by law or separately authorized by the consumer.

For security concerns, contact:

support@upwardcreditsolutions.net

19. User Responsibilities

Users are responsible for:

• Providing accurate information
• Protecting login credentials
• Notifying UCS of needed corrections
• Using UCS materials responsibly
• Reviewing third-party privacy policies where applicable

20. Children’s Privacy

UCS does not knowingly collect information from children under 13.

If UCS becomes aware that information from a child under 13 has been collected, UCS will take reasonable steps to delete the information, unless retention is required by law.

21. Your Privacy Choices

Users may request access, correction, or deletion of certain personal information by contacting:

support@upwardcreditsolutions.net

Certain information may need to be retained for legal, tax, accounting, dispute-resolution, fraud-prevention, or recordkeeping purposes.

22. State and Regional Privacy Rights

UCS will respond to verified privacy requests as required by applicable law.

Depending on applicable law, users may have rights to request access, correction, deletion, portability, restriction, or opt-out of certain data uses.

23. Do Not Sell or Share Personal Information

UCS does not sell personal information.

Some analytics, advertising, or tracking tools may be considered “sharing” under certain privacy laws. UCS will honor applicable opt-out rights where required by law.

24. Third-Party Links and Tools

UCS may use or link to third-party tools, platforms, payment processors, webinar systems, course platforms, email systems, analytics tools, affiliate tracking systems, or external websites.

UCS is not responsible for the privacy practices, data-security practices, terms, or policies of third-party services.

Users should review the privacy policies of any third-party services they use.

24.1 Affiliate and Referral Source Data Responsibility

Independent affiliates and referral sources are responsible for their own contact lists, CRM systems, email lists, audience targeting, text distribution, outreach permissions, and privacy-law compliance.

UCS does not manage, control, integrate with, or assume responsibility for an affiliate’s or referral source’s internal CRM databases, marketing lists, targeting systems, text distribution tools, or regional privacy-permission controls.

Affiliates and referral sources must comply with applicable privacy, marketing, platform, and consumer-protection laws when promoting UCS.

25. Testimonials and Public Submissions

UCS may request permission to use testimonials, reviews, feedback, success stories, comments, or voluntary submissions.

UCS will not intentionally publish private financial information without permission.

For privacy concerns, contact:

support@upwardcreditsolutions.net

26. Changes to This Privacy Policy

UCS may update this Privacy Policy as needed.

Updates may reflect changes in services, technology, legal requirements, institutional controls, privacy practices, affiliate systems, or operational procedures.

Continued use of UCS websites, products, services, or materials after updates constitutes acceptance of the updated Privacy Policy.

27. Contact Information

Upward Credit Solutions

Email: support@upwardcreditsolutions.net

28. Final Acknowledgment

By using UCS websites or services, you acknowledge:

• UCS may collect and use information as described in this Privacy Policy.
• UCS is an educational and lender-readiness platform.
• UCS is not a lender, bank, mortgage company, credit repair company, law firm, accounting firm, or financial advisory firm.
• UCS does not guarantee approvals, funding, credit outcomes, lending outcomes, financial outcomes, or CRA consideration.
• Third-party tools are governed by their own privacy policies.
• You are responsible for protecting your account access.