Privacy Policy

This policy explains what personal information Lifeify collects, why we collect it, who we share it with, and the choices you have. It applies to lifeify.com and to the credit repair services we provide.

Who we are

Lifeify is a credit repair organization based at 7660 Monterey Street, Suite 202, Gilroy, CA 95020. You can reach us at 1-866-LIFE-IFY (543-3439) or [email protected].

Information we collect

Information you give us

When you request a free consultation through our website, we collect your first and last name, email address, phone number, the credit concern you select, your preferred contact time, and your consent to be contacted.

If you become a client, we collect additional information necessary to provide credit repair services, which may include:

• Your mailing address and previous addresses
• Your date of birth
• Your Social Security number, which is required to obtain your credit reports
• Copies of identification and proof of address, which the credit bureaus require to process disputes
• Your credit reports from Equifax, Experian and TransUnion, and the correspondence generated during the dispute process
• Payment information, processed by our payment provider

Information collected automatically

When you visit our website, certain information is collected automatically, including your IP address, browser type, device type, the pages you view, and how you arrived at our site.

Why we collect it

• To respond to your consultation request and contact you about your credit situation
• To provide credit repair services, including obtaining your credit reports and preparing and submitting disputes on your behalf
• To process payments for the plan you select
• To communicate with you about the status of your file
• To comply with our legal obligations, including record-keeping required of credit repair organizations
• To improve our website and services

Who we share it with

We share your personal information only as described here.

• Credit bureaus and furnishers. To dispute items on your behalf, we send your identifying information and dispute correspondence to Equifax, Experian, TransUnion, and to the creditors, collectors or other furnishers reporting the disputed items.
• Service providers. Companies that host our website, process payments, send email and provide the software we use to manage client files. They may only use your information to provide those services to us.
• When the law requires it. In response to a subpoena, court order or other lawful request, or to protect our legal rights.
• If our business is transferred. If Lifeify is sold or merged, client information may transfer as part of that transaction.

We do not sell your personal information, and we do not share it with third parties for their own marketing purposes.

How we protect it

We use reasonable administrative, technical and physical safeguards to protect the information we hold, including access controls limiting client files to staff who need them, and encrypted transmission of information submitted through our website.

No method of transmission or storage is completely secure. We cannot guarantee absolute security, and we encourage you to avoid sending sensitive information such as your Social Security number by ordinary email.

How long we keep it

We keep client records for I don't know how many after your service ends, or longer where the law requires. Consultation requests that do not become client files are kept for Confirm this too and then deleted.

Your rights in California

If you are a California resident, you have rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act:

• Know. Request the categories and specific pieces of personal information we have collected about you.
• Delete. Request that we delete personal information we collected from you, subject to exceptions including records we must keep by law.
• Correct. Request that we correct inaccurate personal information.
• Opt out. Direct us not to sell or share your personal information.
• Limit. Limit our use of sensitive personal information, which for us includes your Social Security number.
• Non-discrimination. We will not deny you service, charge you a different price or provide a different quality of service because you exercised any of these rights.

To exercise any of these rights, contact us at [email protected] or 1-866-LIFE-IFY (543-3439). We will verify your identity before acting on a request, and will respond within the time the law allows.

Financial privacy

Because we provide a financial service, our handling of your information may also be governed by federal financial privacy law.

Children

Our services are for adults. We do not knowingly collect personal information from anyone under 18. If you believe a child has provided us with personal information, contact us and we will delete it.

Cookies

Our website uses cookies to make the site work and to understand how it is used. You can set your browser to refuse cookies, though parts of the site may not work as intended.

Changes to this policy

We may update this policy from time to time. The date at the top of this page shows when it was last revised. If we make a material change, we will take reasonable steps to notify you.