Privacy Policy (Proficient Credit Solutions)

Effective Date: 20/Feb/2026

1. Introduction

Proficient Credit Solutions (“Company,” “we,” “us,” or “our”) operates the website proficientcreditsolutions.com and provides credit profile enhancement, authorized user tradeline placement, and funding pre‑qualification services (collectively, the “Services”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our Services.

By accessing our website or using our Services, you consent to the practices described in this Privacy Policy. If you do not agree, please do not use the website or Services.

2. Information We Collect

We may collect the following categories of information:

Personal Identifiable Information (PII):
Name, email address, phone number, mailing address, date of birth, last four digits (or more, if expressly authorized) of Social Security Number, business name and EIN (for business funding), and other identifiers you provide when completing forms or applications on our website.

Financial and Credit-Related Information:
Credit scores or reports you upload or authorize us to access, information about accounts and tradelines, income and employment details, banking relationships, and other details required to evaluate funding pre‑qualification and credit profile enhancement.

Technical and Usage Information:
IP address, browser type, device identifiers, pages visited, time and date of visits, referring/exit pages, and clickstream data.

Communication Information:
Messages you send to us via forms, email, SMS, phone calls, social media, or other communication channels.

3. How We Collect Information

We collect information in several ways:

Directly from You:
When you complete forms, request consultations, sign up for funding pre‑qualification, purchase authorized user tradelines, schedule calls, or contact us.

Automatically:
Through cookies, web beacons, pixels, and similar tracking technologies when you visit our website.

From Third Parties:
Credit bureaus, funding partners, payment processors, identity verification providers, and other partners you authorize us to interact with in connection with your request.

4. How We Use Your Information

We use the information we collect for purposes such as:

Providing, operating, and improving our website and Services.

Evaluating your credit profile for enhancement and funding pre‑qualification.

Matching you with authorized user tradelines when applicable.​

Communicating with you about your inquiries, applications, or Services.

Processing payments and preventing fraud.

Complying with legal and regulatory obligations.

Sending marketing or promotional communications where permitted by law (you may opt out at any time).

5. Cookies and Tracking Technologies

We may use cookies, pixels, and similar technologies to:

Recognize you and your device.

Analyze site traffic and usage patterns.

Improve website performance and user experience.

Support marketing and advertising campaigns.

You can usually configure your browser to refuse cookies or to indicate when a cookie is being sent. However, some features of the website may not function properly if cookies are disabled.

6. Sharing and Disclosure of Information

We may share your information with:

Service Providers and Vendors:
Hosting providers, analytics providers, marketing platforms, payment processors, IT support, and similar vendors who perform services on our behalf under confidentiality obligations.

Credit and Funding Partners:
Lenders, funding platforms, and other financial partners solely for the purpose of evaluating funding pre‑qualification or delivering Services you requested.

Authorized User Tradeline Providers:
Banks or cardholders that provide authorized user tradelines, as necessary to add you as an authorized user and manage the tradeline service.​

Legal and Compliance:
Where required by law, regulation, subpoena, court order, or to protect our rights, property, or safety, or that of our clients or others.

Business Transfers:
In connection with a merger, acquisition, reorganization, sale of assets, or similar transaction, your information may be transferred as part of that transaction.

We do not sell your personal information to third parties in exchange for money. To the extent any sharing could be deemed a “sale” under applicable privacy law, we will honor your rights under that law.

7. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, and destruction. No method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

8. Data Retention

We retain your personal information for as long as reasonably necessary to:

Provide Services and maintain your relationship with us.

Comply with our legal and regulatory obligations.

Resolve disputes and enforce our agreements.

When no longer needed, we will delete, anonymize, or securely store your information in accordance with applicable law.

9. How SMS consent is obtained and used

When you provide your mobile phone number on our website and check the box agreeing to receive text messages, you are providing your express consent to receive non‑marketing SMS messages from Proficient Credit Solutions related to your account, service requests, credit profile enhancement, and personal or business funding pre‑qualification and application status. Message frequency may vary. Consent to receive SMS is not a condition of purchase or of using our Services.

We use your mobile phone number solely to send you service‑related messages such as appointment confirmations or reminders, document or information requests, status updates on your applications, and other transactional communications needed to deliver our Services.

10. Whether phone numbers are shared or sold

We do not sell or rent your mobile phone number or SMS consent information to third parties. We may share your phone number only with contracted service providers (such as SMS gateway providers) who help us deliver text messages on our behalf, subject to appropriate confidentiality and data protection obligations. We do not permit these providers to use your phone number for their own marketing purposes.

11. Your Rights and Choices

Depending on your jurisdiction, you may have the right to:

Access the personal information we hold about you.

Request correction or update of inaccurate information.

Request deletion of certain personal information, subject to legal exceptions.

Object to or restrict certain processing.

Withdraw consent where processing is based on consent.

Opt out of marketing communications.

To exercise your rights, contact us using the details in the “Contact Us” section below. We may need to verify your identity before fulfilling your request.

You may opt out of marketing emails by following the unsubscribe link in each email or contacting us. Even if you opt out of marketing, we may still send you transactional or service-related communications.

12. Children’s Privacy

Our website and Services are not directed to children under the age of 18, and we do not knowingly collect personal information from children under 18. If we learn that we have collected such information, we will take reasonable steps to delete it.

13. Third‑Party Websites

Our website may contain links to third‑party websites or services we do not control. We are not responsible for the privacy practices of those third parties. We encourage you to review the privacy policies of any third‑party sites you visit.

14. International Users

If you access our website or Services from outside the United States, you acknowledge that your information may be processed and stored in the United States or other countries, which may have different data protection laws than your country of residence.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The “Effective Date” at the top of this page indicates when it was last revised. Your continued use of the website or Services after any changes indicates your acceptance of the updated Policy.

16. Contact Us

If you have questions about this Privacy Policy or our privacy practices, you may contact us at:

Company: Proficient Credit Solutions

Website: proficientcreditsolutions.com