Introduction

You are visiting a website owned and operated by J A Enterprises Unlimited LLC. J A Enterprises Unlimited LLC and its subsidiaries (collectively, "J A Enterprises Unlimited", "us", "we", or "our") are committed to maintaining your confidence and trust as it relates to the privacy and usage of your information. Please read the following information carefully as it details how we collect, protect, share, and use your information.

This Privacy Policy applies to anyone who visits our website (www.creditbracket.com) or uses our Credit Bracket mobile application ("App") available on the Apple App Store.

This Agreement also applies to your use of any goods, facilities or services offered through the Website or App (collectively "Services"), regardless of how they are accessed. If you do not agree with our Privacy Policy and practices regarding how J A Enterprises Unlimited handles your personal information, you should not use our Website or App. Accessing or using the Website or App signifies and confirms your acceptance of the terms set forth in this Privacy Policy. This Privacy Policy may change from time to time in our sole discretion. Accordingly, you should visit this Website and review the Privacy Policy periodically to determine if any changes have been made. The date on which this Privacy Policy was last updated will be noted immediately above this Privacy Policy.

Information We Collect

Personally Identifiable Information. In the course of using our Website or App, we collect information that could identify you such as your name, email address, mailing address, phone number, date of birth, and information related to your credit.

Other Information. We also collect other information that is not used to identify you, including, but not limited to, device type, internet protocol (IP) address, date and time stamp of visit, demographic data, and data about your online activity. We and our third-party partners may use device identifiers, push notification tokens, and mobile analytics tools to collect such information for advertising and other purposes.

How We Collect Information

Information Provided by You. We collect personal information that you voluntarily provide when you enter it or otherwise provide it in connection with an inquiry into our Services. This information could be provided via an online form, over the phone, electronic communication, or via other means in which you interact with our Website or App.

Information from Service Providers. Information may be collected from third-party service providers, such as credit bureaus and service providers who may have data on your financial profile, or other demographic information.

Information from Tracking Technologies. On our website, we use cookies, web beacons, and similar technologies to record your preferences, track the use of our Website and collect information. This information may include IP addresses, browser type, internet service provider (ISP), referring pages, operating system, date and time stamp of visit, and/or click data. On our mobile App, we use mobile device identifiers, push notification tokens, and mobile analytics tools to collect similar information.

How We Use Your Information

We use the information that we collect about you through your interaction with our Website or App, as well as information that you voluntarily provide to us. We may use collected information to (i) deliver the products and services you requested; (ii) personalize your user experience; (iii) communicate with you about products or services that may be of interest to you; (iv) communicate with you via mail, email, telephone, text message/SMS, or otherwise even if your number appears on a do-not-call list or other similar registry; (v) for business purposes, such as analytics, research, advertising and marketing, and operational purposes; (vi) improve our Website and App; (vii) improve customer service; (viii) comply with law enforcement and maintain the security of our Website and App; (ix) share with trusted parties who are contractually obligated to keep such information confidential and to use it only to provide the services we have asked them to perform; and (x) perform any other functions otherwise disclosed when you provide us with your information.

How Do We Share Your Information

Consent to Receive Communication. By voluntarily providing and submitting your information on our Website or App, you opt-in to receive communications from us and third parties that provide services on our behalf, such as website hosting partners, text message/SMS service providers, email marketing service providers, or other parties who assist us in operating our Website and App, conducting our business, or serving our users.

Consent to Share Your Information. In submitting an inquiry or using the services provided through our Website or App, you agree that J A Enterprises Unlimited may share your information with alternative credit bureaus and other third parties which provide services to our users (collectively, "Network Partners") to deliver the products and services you requested. These Network Partners include traditional credit bureaus such as Equifax, Experian, or TransUnion, or alternative credit bureaus such as VantageScore.

Other Situations We Share Your Information. We may also be required to share your information (i) pursuant to a subpoena, court order, legal process, and/or government or regulatory request; (ii) when we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing, to protect and defend the rights, property, or safety of our business, our users, or our employees, or to enforce our terms and conditions or other agreements or policies; (iii) as part of a sale, merger or acquisition, or other transfer of all or part of our assets including as part of a bankruptcy proceeding; or (iv) with third parties in a form that is not personally identifying, such as aggregated or anonymized data, in our discretion, where not prohibited by law.

Advertising and Analytics

We may partner with advertiser networks and other advertiser service providers (collectively, "Advertising Providers") that serve ads on our behalf and others on non-affiliated platforms. Some of those ads may be personalized, meaning that they are intended to be relevant to you based on information Advertising Providers collect about your use of our Website or App and other sites or apps over time.

We may also work with third parties that collect information about your use of our Website and App over time for non-advertising purposes. We use Google Analytics and other third-party services to improve the performance of the Website and for analytics and marketing purposes.

In our mobile App, we use the following additional third-party services:

• OneSignal — to send push notifications to users who have granted notification permission. OneSignal may collect device identifiers and push notification tokens. Privacy Policy: onesignal.com/privacy_policy

• AppsFlyer — for mobile analytics and install attribution, which helps us understand how users discover our App. AppsFlyer may collect device identifiers, IP address, and usage data. Privacy Policy: appsflyer.com/legal/privacy-policy

Both services are contractually obligated to protect your data in accordance with applicable privacy laws.

How We Protect Your Information

By accessing and using our Website or App, you hereby acknowledge and agree that J A Enterprises Unlimited may retain your information indefinitely. Please note that any transmission of personal information is at your own risk.

Our Commitment to Security. We use generally accepted industry standards to protect the security of your personal information. Although we strive to provide accepted industry standard security measures for your personal information that we process and maintain, we cannot guarantee the security of your personal information transmitted to and through our Website or App.

No Liability for Acts of Third Parties. We will exercise all reasonable efforts to safeguard the confidentiality of your personal information. However, transmissions protected by generally accepted industry standard security technology cannot be made absolutely secure. Consequently, J A Enterprises Unlimited shall not be liable for unauthorized disclosure of personal information due to no fault of J A Enterprises Unlimited including, but not limited to, errors in transmission and unauthorized acts of third parties.

Third-Party Links

Our Website and App may contain links to third-party websites, which may have independent privacy policies that differ from our own. We are not responsible, nor do we endorse, any of the activities and practices that take place on third-party websites. Accordingly, we recommend that you review the privacy policy posted on any third-party website thoroughly before disclosing any personal information.

Consent to Communicate

When you submit your personal information on our Website or through our App, you are providing your express consent to be contacted via email, telephone, postal mail or text message/SMS communication. If you wish to opt-out from us sharing your information for marketing communications, please submit your request to info@creditbracket.com. You may also exercise your opt-out request through physical mail at: J A Enterprises Unlimited LLC, 17216 Saticoy Street, Number 416, Van Nuys, CA 91406

Data Deletion. You may request deletion of your personal data collected through the Credit Bracket App by using the "Delete Account" feature in the App Settings screen, or by emailing us at info@creditbracket.com. Upon verified request, we will delete your data within 30 days.

Modifications or Amendments

From time to time, we may change this Privacy Policy to accommodate new technologies, industry practices, regulatory requirements or for other purposes. We will provide notice to you if these changes are material on our Website or App, and where required by applicable law, we will obtain your consent. The date this Policy was last updated is listed at the top of this page. Your continued use of our Website or App after any such changes have been made signifies and confirms your acceptance of any changes or amendments to this Privacy Policy.

Children Under the Age of 18

Our Website and App are not intended for children under eighteen (18) years of age. No one under 18 years of age may access or provide any information on our Website or App. We do not knowingly collect personal information from children under 18 years of age.

California Disclosures

California Law requires us to provide certain disclosures to users of our Website and App.

Shine the Light Disclosure. Civil Code Section 1798.83 permits California residents that use our Website or App to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us at info@creditbracket.com. Please note that this section does not prohibit disclosure made for non-marketing purposes.

Do Not Track Disclosures. Business and Professions Code Section 22575(b) requires websites to disclose their practices with respect to the use of tracking technology made by third parties and whether the Website honors web browser do-not-track signals. At this time, J A Enterprises Unlimited does not respond to do-not-track browser settings or signals.

Contact Us

If you have any questions or comments regarding this Privacy Policy or our practices, please reach out to us:

J A Enterprises Unlimited LLC
17216 Saticoy Street, Number 416
Van Nuys CA 91406
+1 (832) 417-0678
info@creditbracket.com