ONLINE PRIVACY POLICY AGREEMENT

Your Mortgage Credit Coach, (YMCC), is committed to keeping any and all personal information collected of those individuals that visit our website and make use of our online facilities and services accurate, confidential, secure and private. Our privacy policy has been designed and created to ensure those affiliated with Your Mortgage Credit Coach of our commitment and realization of our obligation not only to meet but to exceed most existing privacy standards.

THEREFORE, this Privacy Policy Agreement shall apply to Your Mortgage Credit Coach, and thus it shall govern any and all data collection and usage thereof. Through the use of smartwithdebt.com you are herein consenting to the following data procedures expressed within this agreement.

It is highly recommended and suggested that you review the privacy policies and statements of any website you choose to use or frequent as a means to better understand the way in which other websites garner, make use of and share information collected.

Collection of Information

This website collects various types of information, such as:

– Voluntarily provided information which may include your name, address, email address, billing and/or credit card information etc., which may be used when you purchase products and/or services and to deliver the services you have requested.

– Information automatically collected when visiting our website, which may include cookies, third party tracking technologies and server logs.

Please rest assured that this site shall only collect personal information that you knowingly and willingly provide by way of surveys, completed membership forms, and emails. It is the intent of this site to use personal information only for the purpose for which it was requested and any additional uses specifically provided on this site.

Your Mortgage Credit Coach may have the occasion to collect non-personal anonymous demographic information, such as age, gender, household income, political affiliation, race and religion, as well as the type of browser you are using, IP address, type of operating system, at a later time, that will assist us in providing and maintaining superior quality service.

Use of Information Collected

Your Mortgage Credit Coach may collect and may make use of personal information to assist in the operation of our website and to ensure delivery of the services you need and request. At times, we may find it necessary to use personally identifiable information as a means to keep you informed of other possible products and/or services that may be available to you from smartwithdebt.com. Your Mortgage Credit Coach may also be in contact with you with regards to completing surveys and/or research questionnaires related to your opinion of current or potential future services that may be offered.

Your Mortgage Credit Coach may feel it necessary, from time to time, to make contact with

you on behalf of our other external business partners with regards to a potential new offer which may be of interest to you. If you consent or show interest in presented offers, then, at that time, specific identifiable information, such as name, email address and/or telephone number, may be shared with the third party.

Your Mortgage Credit Coach may find it beneficial to all our customers to share specific data with our trusted partners in an effort to conduct statistical analysis, provide you with email and/or postal mail, deliver support and/or arrange for deliveries to be made. Those third parties shall be strictly prohibited from making use of your personal information, other than to deliver those services which you requested, and as such they are required, in accordance with this agreement, to maintain the strictest of confidentiality with regards to all your information.

Your Mortgage Credit Coach may deem it necessary to follow websites and/or pages that their users may frequent in an effort to gleam what types of services and/or products may be the most popular to customers or the general public.

Your Mortgage Credit Coach may disclose your personal information, without any prior notice to you, unless required to do in accordance to applicable laws and/or in a good faith belief that such action is deemed necessary or required in an effort to:

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Remain in conformance with any decrees, laws and/or statutes or in an effort to comply with any process which may be served upon Your Mortgage Credit Coach and/or its website;

Maintain, safeguard and/or preserve all the rights and/or property of Your Mortgage Credit Coach; and

Perform under demanding conditions in an effort to safeguard the personal safety of users of smartwithdebt.com and/or the general public.

Non-Marketing Purposes

Your Mortgage Credit Coach greatly respects your privacy. We do maintain and reserve the right to contact you if needed for non-marketing purposes (such as bug alerts, security breaches, account issues, and/or changes in Your Mortgage Credit Coach products and services). In certain circumstances, we may use our website, newspapers, or other public means to post a notice.

Children Under Age of 13

Your Mortgage Credit Coach does not knowingly collect personal identifiable information from children under the age of thirteen (13) without verifiable parental consent. If it is determined that such information has been inadvertently collected on anyone under the age of thirteen (13), we shall immediately take the necessary steps to ensure that such information is deleted from our system’s database. Anyone under the age of thirteen (13) must seek and obtain parent or guardian permission to use this website.

Unsubscribe or Opt-Out

All users and/or visitors to our website have the option to discontinue receiving communication from us and/or reserve the right to discontinue receiving communications by way of email or newsletters. To discontinue or unsubscribe to our website please send an

email that you wish to unsubscribe to info@smartwithdebt.com. If you wish to unsubscribe or opt- out from any third party websites, you must go to that specific website to unsubscribe and/or opt-out. Your Mortgage Credit Coach will continue to adhere to the privacy policy described herein with respect to any personal information previously collected.

Links to Other Web Sites

Our website does contain links to affiliate and other websites. Your Mortgage Credit Coach does not claim nor accept responsibility for any privacy policies, practices and/or procedures of other such websites. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of each and every website that collects personally identifiable information. The aforementioned Privacy Policy Agreement applies only and solely to the information collected by our website.

Security

Your Mortgage Credit Coach shall endeavor and shall take every precaution to maintain adequate physical, procedural and technical security with respect to its offices and information storage facilities so as to prevent any loss, misuse, unauthorized access, disclosure or modification of the user’s personal information under our control.

The company also uses Secure Socket Layer (SSL) for authentication and private communications in an effort to build users’ trust and confidence in the internet and website use by providing simple and secure access and communication of credit card and personal information. In addition, Your Mortgage Credit Coach is a licensee of TRUSTe.

Changes to Privacy Policy Agreement

Your Mortgage Credit Coach reserves the right to update and/or change the terms of our privacy policy, and as such we will post those changes to our website, so that our users and/or visitors are always aware of the type of information we collect, how it will be used, and under what circumstances, if any, we may disclose such information. If at any point in time Your Mortgage Credit Coach decides to make use of any personally identifiable information on file, in a manner vastly different from that which was stated when this information was initially collected, the user or users shall be promptly notified by email. Users at that time shall have the option as to whether or not to permit the use of their information in this separate manner.

Acceptance of Terms

Through the use of this website, you are hereby accepting the terms and conditions stipulated within the aforementioned Privacy Policy Agreement. If you are not in agreement with our terms and conditions, then you should refrain from further use of our sites. In addition, your continued use of our website following the posting of any updates or changes to our terms and conditions shall mean that you are in agreement and acceptance of such changes.

How to Contact Us

If you have any questions or concerns regarding the Privacy Policy Agreement related to our website, please feel free to contact us at the following email, telephone number or mailing address.

Email: info@smartwithdebt.com Telephone Number: 7205041266

Mailing Address:

Your Mortgage Credit Coach 2305 E Arapahoe Rd #100 Centennial, Colorado 80120

January 11, 2023