Privacy Policy

01Who We Are

This Privacy Policy describes how Scale With Credit Academy ("we," "us," or "our") collects, uses, shares, and protects information about you when you visit our website, submit an application, enroll in the Funding Architect Program, or otherwise interact with us.

By using our Site or services, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with our practices, please do not use the Site or services.

02Information We Collect

Information You Provide Directly

When you submit an application, contact us, or otherwise interact with our Site, we may collect:

Information Collected Automatically

When you visit the Site, our systems and third-party services automatically collect certain technical information, including:

Information from Third Parties

We may receive information about you from third-party services we use, including ad platforms (such as Meta Platforms, Inc. and Google LLC), payment processors, scheduling tools, and analytics providers. The information we receive depends on the settings and privacy practices of those services.

03How We Use Information

We use the information we collect for the following purposes:

• Review applications and communicate with applicants about enrollment opportunities;
• Deliver and operate the Program if you enroll, including providing access to materials, scheduling calls, and supporting your learning;
• Process payments and manage billing through our third-party payment processors;
• Send transactional communications such as application confirmations, scheduling notifications, account updates, and billing notices;
• Send marketing communications by email and SMS when you have consented (see Sections 8 and 9);
• Measure and improve advertising through conversion tracking with platforms like Meta and Google (see Section 7);
• Analyze and improve our Site by understanding how visitors use it;
• Detect, prevent, and respond to fraud, abuse, security incidents, or violations of our Terms;
• Comply with legal obligations, respond to lawful requests from public authorities, and enforce our Terms;
• Anonymous analytics and aggregate reporting that does not identify any individual.

04Legal Basis for Processing (EEA / UK)

If you are located in the European Economic Area (EEA), United Kingdom, or Switzerland, we process your personal information on the following legal bases under the General Data Protection Regulation (GDPR) and UK GDPR:

• Consent for marketing emails, SMS messages, and non-essential cookies (you may withdraw consent at any time);
• Contractual necessity to evaluate your application, deliver the Program, and process payments;
• Legitimate interests in operating, securing, and improving our Site and services, provided those interests do not override your rights;
• Legal obligation to comply with tax, accounting, regulatory, or law-enforcement requirements.

05How We Share Information

We do not sell your personal information to third parties for monetary consideration. We share information only as described below.

Service Providers

We share information with trusted third-party service providers who help us operate the Site and Program. These providers process information on our behalf and are contractually required to protect it. Categories include:

• Hosting and infrastructure (Vercel, Supabase)
• Email delivery (transactional and marketing email platforms)
• SMS delivery (compliant A2P 10DLC SMS providers)
• Payment processing (Stripe and equivalent processors)
• Scheduling tools (for booking discovery calls)
• Customer relationship management (CRM) software for tracking applicants and students
• Video hosting for program content (Vimeo, Wistia, or equivalent)
• Analytics providers
• Advertising platforms for conversion tracking (see Section 7)

Legal and Safety

We may disclose information when required by law, in response to lawful requests from public authorities, to enforce our Terms, to protect the rights, property, or safety of Scale With Credit Academy or others, or in connection with the investigation or prevention of fraud or abuse.

Business Transfers

If we are involved in a merger, acquisition, financing, reorganization, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or use of your personal information.

With Your Consent

We may share information with other third parties when you have given us specific consent to do so.

06Cookies and Tracking Technologies

We and our service providers use cookies, pixel tags, local storage, and similar technologies to recognize you on the Site, remember your preferences, deliver and measure advertising, and analyze how the Site is used.

Categories of Cookies We Use

• Strictly necessary cookies: required for basic Site functionality, such as form submission. These cannot be disabled.
• Analytics cookies: help us understand how the Site is used so we can improve it.
• Advertising cookies: used by us and our advertising partners (including Meta, Google, and others) to deliver and measure relevant advertising.

Managing Cookies

You can control cookies through your browser settings. Most browsers allow you to refuse new cookies, delete existing cookies, or set warnings before cookies are placed. Refusing all cookies may prevent some Site features from working correctly.

07Advertising and Conversion Tracking

We may use third-party advertising platforms (including but not limited to Meta Platforms, Inc. via the Meta Pixel and Meta Conversions API, Google LLC, TikTok, and others) to deliver advertisements, measure the effectiveness of those ads, and improve the relevance of advertising you see on those platforms.

These technologies may collect information such as:

• The pages of our Site you visit and the actions you take;
• Hashed versions of contact data (email address, phone number, name) used to match conversion events to your account on the advertising platform (the original data is hashed using cryptographic algorithms such as SHA-256 before being transmitted; we do not transmit raw personal information to ad platforms);
• Browser-level identifiers such as Meta's _fbp and _fbc cookies;
• Technical information such as IP address and user agent.

This information is used to attribute conversions to specific ad campaigns and to enable interest-based advertising on those platforms.

Your Choices About Advertising

You can manage your advertising preferences directly with the platforms:

• Meta: facebook.com/settings?tab=ads
• Google: adssettings.google.com
• U.S. industry opt-outs: optout.aboutads.info and optout.networkadvertising.org

08SMS / Text Messaging (A2P 10DLC)

When you provide your phone number on our forms and check the consent box, you expressly consent to receive recurring SMS text messages from Scale With Credit Academy at the phone number provided, including messages sent via automated technology.

Types of Messages

• Application updates and confirmations
• Discovery call scheduling and reminders
• Program-related notifications for enrolled students
• Promotional messages related to our services
• Follow-ups and customer service communications

Key SMS Terms

• Consent is not a condition of any purchase or enrollment.
• Message frequency varies based on your stage and engagement.
• Message and data rates may apply as set by your wireless carrier.
• Reply STOP at any time to opt out. You will receive a confirmation, and we will not text you again unless you opt back in.
• Reply HELP for help, or email support@scalewithcredit.com.
• Wireless carriers are not liable for delayed or undelivered messages.
• Our SMS program complies with the Telephone Consumer Protection Act (TCPA), the CTIA Messaging Principles and Best Practices, and applicable A2P 10DLC requirements.

Phone Number Information Handling

We do not share phone numbers provided for SMS purposes with third parties for the purpose of those parties marketing to you. We do share phone numbers with our SMS delivery provider solely to deliver the messages you have consented to receive, and with our CRM provider to manage our relationship with you.

09Email Marketing

When you submit a form on our Site, you consent to receive transactional emails and, where you have indicated consent, marketing emails. Every marketing email contains an unsubscribe link in the footer. You can opt out of marketing emails at any time by clicking that link or by emailing support@scalewithcredit.com.

Transactional emails (such as confirmation of your application, billing notices, or essential account information) are required for the operation of our services and cannot be opted out of while you remain enrolled in the Program.

Our email program complies with the CAN-SPAM Act, the Canadian Anti-Spam Legislation (CASL), and applicable provisions of the GDPR and UK GDPR for recipients in those jurisdictions.

10Data Retention

We retain personal information only as long as necessary for the purposes for which it was collected, or as required by law. Specifically:

• Application data is retained for up to 3 years from the date of submission so we can re-engage qualified applicants and respond to inquiries.
• Enrolled student records are retained for the duration of enrollment plus 7 years thereafter for tax, accounting, and legal compliance purposes.
• Marketing contact data is retained until you unsubscribe or request deletion, whichever comes first.
• Technical logs and analytics are retained for up to 14 months in identifiable form, and may be retained longer in aggregated, anonymized form.
• Payment records are retained as required by tax and accounting laws (typically 7 years in the United States).

11Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your information from loss, theft, misuse, and unauthorized access. Our infrastructure providers (Vercel, Supabase, Stripe, and others) maintain industry-standard security certifications including SOC 2 Type II.

Specific safeguards include:

• HTTPS encryption (TLS) for all data in transit between your browser and our servers;
• Encryption at rest in our databases;
• Role-Level Security (RLS) policies on our database tables, restricting which data each system component can access;
• Hashing of sensitive identifiers (such as email addresses and phone numbers) before transmission to advertising platforms;
• Multi-factor authentication on administrative accounts;
• Regular review of third-party service providers.

However, no method of transmission or storage over the Internet is completely secure. We cannot guarantee absolute security. If we become aware of a security breach affecting your personal information, we will notify you and applicable authorities as required by law.

12Your Rights

U.S. Residents (Including CCPA / CPRA for California Residents)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):

• Right to know what personal information we collect, use, share, and disclose;
• Right to delete personal information we have collected, subject to certain exceptions;
• Right to correct inaccurate personal information;
• Right to opt out of the sale or sharing of personal information (note: we do not sell personal information for monetary consideration);
• Right to limit use of sensitive personal information;
• Right to non-discrimination for exercising your privacy rights.

Residents of other U.S. states (including Virginia, Colorado, Connecticut, Utah, Texas, and others with comprehensive privacy laws) may have similar rights.

EEA, UK, and Switzerland Residents (GDPR / UK GDPR)

If you are located in the EEA, UK, or Switzerland, you have the following rights under applicable data protection law:

• Right of access to your personal data;
• Right to rectification of inaccurate or incomplete data;
• Right to erasure ("right to be forgotten");
• Right to restrict processing;
• Right to data portability;
• Right to object to certain processing, including direct marketing;
• Right to withdraw consent at any time where processing is based on consent;
• Right to lodge a complaint with your local data protection supervisory authority.

How to Exercise Your Rights

To exercise any of these rights, contact us at privacy@scalewithcredit.com. We will respond within the timeframe required by applicable law (typically 30 to 45 days). We may need to verify your identity before fulfilling certain requests.

13Children's Privacy

Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from anyone under 18. If you are under 18, please do not use the Site or submit any information to us.

If you believe we may have inadvertently collected information from a child under 18 (or under 13 in jurisdictions where COPPA applies), please contact us at privacy@scalewithcredit.com and we will delete that information promptly.

14International Data Transfers

We are based in the United States, and our service providers may be located in the United States and other countries. If you access our Site from outside the United States, your information will be transferred to, processed, and stored in the United States and other countries.

For transfers of personal information from the EEA, UK, or Switzerland to the United States, we rely on appropriate safeguards such as Standard Contractual Clauses approved by the European Commission, or other legally recognized transfer mechanisms.

15Do Not Track Signals

Some browsers offer a "Do Not Track" (DNT) signal. Because there is no industry consensus on how to interpret DNT signals, we currently do not respond to them. We do honor opt-out preferences expressed through the methods described in Sections 7 and 8.

16Third-Party Links

Our Site may contain links to third-party websites and services. We are not responsible for the privacy practices or content of those third parties. We encourage you to review the privacy policies of any third-party site you visit.

17Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last updated" date at the top of this page and, where appropriate, provide additional notice (such as a banner on the Site or an email to affected users). Your continued use of the Site after the effective date of any change constitutes your acceptance of the revised Privacy Policy.

18Contact Us

If you have questions, concerns, or requests related to this Privacy Policy or our handling of your information, please contact us:

Scale With Credit Academy
Privacy inquiries: privacy@scalewithcredit.com
Support: support@scalewithcredit.com
Website: scalewithcredit.com

If you reside in the EEA or UK and we cannot resolve your concern, you have the right to contact your local data protection supervisory authority.

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