quickcreditz.com’s Terms and Conditions

Last updated: January 30th, 2025.

AGREEMENT BETWEEN USER AND quickcreditz.com

These Terms and Conditions of Use (“Agreement”) are a legal agreement between you and quickcreditz.com, LLC
(hereinafter referred to as “Website Owner”, “We”, “US”, “Our”, “quickcreditz.com”), the owner and developer of
quickcreditz.com (the “Site”). By using, registering, or otherwise interacting with the Site in any way whatsoever,
including through any service provided through quickcreditz.com, you agree to be bound by all the terms and
conditions (the “Terms”) set forth in this Agreement. You understand that you are not able to modify these
terms and that you must accept all terms “AS-IS.” Should you choose not to accept all Terms herein, simply
do not register your information, make use of, or interact with this Site.

This Agreement contains a binding arbitration agreement in Section XVI titled Dispute Resolution by Binding
Arbitration in this Agreement, which provides that you and Website Owner, and any of
Website Owner’s principals, employees, affiliates, members, or officers as well as all independent service
and technology providers who provide services to or on the Site, agree to resolve all disputes arising out
of or relating to your registration, use, and/or interaction with the Site in any way whatsoever through
binding individual arbitration and not in any class or mass arbitration setting, and that you and we both
give up any right to have any dispute between the parties be decided in a court by a judge or a jury. You
have the right to opt out of our agreement to arbitrate. See Section XVI Dispute Resolution by Binding
Arbitration section of this Agreement. YOU AGREE THAT YOU HAVE READ,
UNDERSTAND AND AGREE TO BE BOUND BY THESE TERMS.

The Site is a financial education and referral website that provides financial education materials to
consumers about how to properly tackle their finances and debt and connects consumers with independent
third-party financial service providers that provide debt relief financial services and help consumers to
live healthier financial lives. You understand that when you call the number on our Site, you may be
connected with one of our representatives or you may be directly connected with one of our partners, or a
third-party to assist you. Independent third-party financial service providers may charge fees for their
services and have their own terms of service. quickcreditz.com is not responsible and does not guarantee any
outcomes from these independent third-party financial service providers. quickcreditz.com does not guaranty that
Independent third-party financial service providers provide service in your state.

Please be advised that quickcreditz.com’s Privacy Policy is hereby
incorporated by reference into this Agreement. The Privacy Policy explains how we collect, protect, share
and use your information as a part of our Site, and all of our product and services.

I. MODIFICATION OF THESE TERMS OF USE

quickcreditz.com RESERVES THE RIGHT, WITH OR WITHOUT NOTICE, TO MAKE CHANGES TO THE TERMS AT ITSDISCRETION. YOU
SHOULD REVIEW THIS AGREEMENT PERIODICALLY TO DETERMINE IF ANY CHANGES HAVE BEEN MADE. THE MOST CURRENT
VERSION OF THESE TERMS, WHICH WILL BE NOTED BY THE “LAST UPDATED” DATE HEREIN, SUPERSEDES ALL PREVIOUS
VERSIONS. REGARDLESS OF WHETHER OR NOT YOU REVIEWED THE CHANGES TO THESE TERMS, YOU EXPRESSLY ACKNOWLEDGE
THAT YOUR CONTINUED USE OF ANY PART OF THIS SITE OR ANY FEATURE ON OUR SITE CONSTITUTES YOUR ACCEPTANCE TO
ALL TERM CHANGES TO THIS AGREEMENT.

II. LINKS TO THIRD PARTY SITES

This Site may contain links to external websites (“Linked Sites”). The Linked Sites are not under the
control or management of quickcreditz.com, and quickcreditz.com is not responsible for the contents of any and all Linked
Site, including without limitation any links contained in a Linked Site or any changes or updates to a
Linked Site. quickcreditz.com is not responsible for webcasting or any other form of transmission received from any
Linked Site. quickcreditz.com is providing these links to you only as a convenience, and the inclusion of any links
to Linked Sites does not imply endorsement by quickcreditz.com of the Linked Site or any association with its
operators.

III. NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of the Site, you warrant to quickcreditz.com that you will not use the Site for any
purpose that is unlawful, prohibited by law and/or regulation, or is prohibited by these Terms. You may not
use the Site in any manner which could damage, disable, overburden, negatively impact or impair the Site or
interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any
materials or information from the Site through any means not intentionally made available or provided for
through quickcreditz.com on this Site.

IV. YOU ARE
RESPONSIBLE FOR YOUR FINANCIAL DECISIONS

quickcreditz.com, through our Site and affiliates sites, may provide you with a venue through which you can obtain
educational financial information as well as learn about various independent third-party service
providers, such as financial institutions, credit card providers, debt management or debt
settlement companies, credit repair providers, lenders and other financial professionals (“Service
Providers”). You understand and acknowledge that quickcreditz.com may be compensated by Service Providers
for referrals made through this Site. quickcreditz.com does not guarantee the accuracy or completeness of any of the
information provided on the Site or with regards to the Service Providers and are not responsible for any
loss resulting from your reliance on such information.

You agree that you are to examine the information provided and conduct your own research of whether the
Service Providers marketed on this Site fit your financial situation. We do not endorse or recommend the
products or services of any Service Provider, and we are not an agent or advisor to you or any Service
Provider. We do not validate or investigate the licensing, certification or other requirements and
qualifications of Service Providers. It is your responsibility to investigate Service Providers you are
considering engaging with. You acknowledge and agree that Service Providers are solely responsible for any
services that they may provide you, and that quickcreditz.com is not liable for any losses, costs, damages or claims
in connection with, arising from, or related to, your use of any Service Provider’s products or services. We
urge you to obtain the advice of qualified professionals (such as tax advisor, accountant, lawyer, etc.) who
are fully aware of your individual circumstances before you make any financial decisions. By interacting
with any Service Providers, you acknowledge and agree that you solely rely on your own judgment and that of
such advisors in selecting any products or services offered by Service Providers.

V. NO
GUARANTEE OF QUOTES, FEES, TERMS, RATES, COVERAGE OR SERVICES

We do not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or
services offered or made available by Service Providers to whom you may be referred to from our Site. We do
not guarantee that quotes, fees, terms, rates, coverage or services offered by Service Providers are the
best available in the marketplace. You may be able to find better fitting offers elsewhere.

VI. USE OF COMMUNICATION SERVICES

The Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web
pages, calendars, and/or other message or communication facilities designed to enable you to communicate
with the public at large or with a group (collectively, “Communication Services”). You agree to use the
Communication Services only to post, send, and receive messages and material that are related to the
contents of this Site, the education materials in this Site, or the services promoted or marketed by this
Site. By way of example, and not as a limitation, you agree that when using a Communication Service, you
will not under any circumstances:

Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy
and publicity) of others.
Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing,
obscene, indecent or unlawful topic, name, material or information.
Upload files that contain software or other material protected by intellectual property laws (or by
rights of privacy of publicity) unless you own or control the rights thereto or have received all
necessary consents.
Upload files that contain viruses, corrupted files, or any other similar software or programs that may
damage the operation of another’s computer.
Advertise or offer to sell or buy any goods or services for any business purpose, unless such
Communication Service specifically allows such messages.
Conduct or forward surveys, contests, pyramid schemes or chain letters.
Download any file posted by another user of a Communication Service that you reasonably should know or
reasonably believe, cannot be legally distributed in such manner.
Falsify or delete any author attributions, legal or other proper notices or proprietary designations or
labels of the origin or source of software or other material contained in a file that is uploaded.
Restrict or inhibit any other user from using and enjoying the Communication Services.
Violate any code of conduct or other guidelines which may be applicable for any particular Communication
Service.
Harvest or otherwise collect information about others, including e-mail addresses, without their
consent.
Violate the Terms under this Agreement and/or the terms of this Site’s Privacy Policy.
Violate any applicable laws or regulations.

quickcreditz.com has no obligation to monitor the Communication Services. However, quickcreditz.com reserves the right to
review materials posted to a Communication Service and to remove any materials in its sole discretion.
quickcreditz.com reserves the right to terminate your access to any or all the Communication Services at any time
without notice for any reason whatsoever. quickcreditz.com reserves the right at all times to disclose any
information as necessary to satisfy any applicable law, regulation, legal process or governmental request,
or refuse to post or to remove any information or materials, in whole or in part, is quickcreditz.com’s sole
discretion.

You are advised to always use caution when giving out any personally identifying information (“PII”) about
yourself, your spouse, your children, or your household generally in any Communication Service even if
offered on this Site. quickcreditz.com does not control or endorse the content, messages or information found in any
Communication Service and, therefore, quickcreditz.com specifically disclaims all warranties and liability
associated with, or in regards to, the Communication Services, including but not limited to any actions
resulting from your participation in any Communication Service. Managers and hosts are not authorized
quickcreditz.com spokespersons, and their views do not necessarily reflect those of quickcreditz.com. Materials uploaded to
a Communication Service may be subject to size posting limitations, limitations on usage, reproduction
and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

VII.
MATERIALS PROVIDED TO quickcreditz.com OR POSTED AT ANY quickcreditz.com’S SITE

quickcreditz.com does not claim ownership of the materials you provide to quickcreditz.com (including feedback and
suggestions) or post, upload, input or submit to any quickcreditz.com Site or its associated services (collectively
“Submissions”). However, by posting, uploading, inputting, submitting, or providing your Submission you are
granting quickcreditz.com, its affiliated companies and necessary affiliate of quickcreditz.com a non-exclusive, royalty
free, perpetual license to use your Submission and/or its contents in connection with the operation of the
Site or business including, without limitation, the rights to: copy, distribute, transmit, publicly display,
publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in
connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. quickcreditz.com is
under no obligation to post or use any Submission you may provide and may remove any Submission at any time
at quickcreditz.com’s sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that
you own or otherwise control all of the rights to your Submission as described in this section including,
without limitation, all the rights necessary for you to provide, post, upload, input or submit the
Submissions.

VIII. ELECTRONIC COMMUNICATIONS USE

All website interactions and phone calls are recorded for marketing, compliance and quality
assurance purposes.

Telephone Consumer Protection Act Compliancequickcreditz.com takes the Telephone Consumer Protection Act (“TCPA”) compliance with outmost seriousness.
Therefore, any TCPA procedures are pursuant to a strict TCPA compliance policy of Company. This
provision outlines our general consent requirements and acknowledgements which you will be subject to in
the event you submit a TCPA consent form or contact form seeking a communication from us. By providing
us with your name, email, phone number on the submission form containing the TCPA disclosure, and
signing using your E-Sign signature, you expressly authorize quickcreditz.com, LLC to contact you (including
using autodialers, automated text and artificial or pre-recorded messages) via your telephone,
cellphone, mobile device (including via Short Message Service (“SMS”) or wireless internet (“WAP
Service”)) and bot chats or via email, even if your telephone number is currently listed on any state or
federal Do Not Call list. In the event that you have previously requested to be on the Company’s Do Not
Call List, you understand that even if you submit a request to be called again, the Company policy is
not to contact anyone who requested to be on the Company’s Do Not Call List. You understand that
standard phone and data charges may apply. Your TCPA consent is not required, and you are not required
to complete a TCPA Consent form as a condition of receiving our services. You also consent to the
recording and monitoring of all calls to and from us. You represent you are the owner or authorized user
of the mobile device, and the phone number associated with that mobile device to which we will be making
phone calls and on which messages will be received, and that you are authorized to approve all
applicable charges associated with the receipt of message from us. You may opt out of receiving
calls and/or messages to your telephone or mobile device at any time by any and all reasonable
methods, including responding to a text message with any of the following words “stop,”
“quit,” “end,” “revoke,” “opt out,”
“cancel,” or “unsubscribe,” or notifying us at [email protected],
or via our interactive or automated voice or key press revocation method if on the call with
us, and you may opt out of receiving emails by clicking the “Opt-out” link on the bottom of the
email. You acknowledge and agree that only United States residents may use the SMS or WAP
Service to communicate with us.
Data Security of SMS and WAP Service CommunicationsSMS or WAP Services are provided via wireless systems which use radio frequencies (and other means) to
transmit communications over complex networks. quickcreditz.com does not guarantee that your use of the SMS or
WAP Services will be private or secure, and quickcreditz.com will not be liable to you under any circumstance
for any lack of privacy or security breach caused to you or that you may experience while sending or
receiving SMS or WAP Services using your mobile device. You are fully responsible for taking all
precautions and ensuring security measures are taken by you when using the SMS or WAP Service. You
acknowledge and agree quickcreditz.com may obtain from your carrier’s wireless account information regarding the
device you are using with your carrier for the purpose of identifying and resolving technical problems
and enhancing your service experience with our Site. Please review our Privacy Policy for additional
information governing privacy of your personal information.

IX. LIMITATION OF
LIABILITY AND WARRANTY DISCLAIMER

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE
INACCURACIES, OLD INFORMATION, OR TYPOGRAPHICAL ERRORS, AND IN NO WAY SHOULD BE INTERPERTED AS ERROR FREE.
quickcreditz.com MAKES PERIODICAL CHANGES TO THE INFORMATION AND MATERIALS PROVIDED ON THE SITE, AND MAY UPDATE OR
CORRECT ANY INACCURACIES, OLD INFORMATION, OR OTHER TYPOGRAPHICAL ERRORS ON THE WEBSITE. IN ADDITION,
quickcreditz.com AND/OR ITS SITE ADMINISTRATOR MAY MAKE IMPROVEMENTS AND/OR CHANGES TO SITE AT ANY TIME.

quickcreditz.com AND/OR ITS SITE ADMINISTRATOR MAKE NO REPRESENTATIONS ABOUT AND DISCLAIM ANY AND ALL WARRANTIES,
WHETHER EXPRESS OR IMPLIED WITH RESPECT TO THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND
ACCURACY OF THE INFORMATION, SOFTWARE (WHETHER ITS OWN OR LICENSED FROM THIRD PARTIES), DEBT ADVISOR
PRODUCT, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON OR AVAILABLE THROUGH THE SITE FOR ANY PURPOSE.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE (WHETHER ITS OWN OR
LICENSED FROM THIRD PARTIES), DEBT ADVISOR PRODUCT, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS
IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

Furthermore, ALL Opinions, general advice, statements or other comments on the site MAY BE THAT OF THE
WRITER AND ARE NOT ASSUMED OR ADOPTED BY quickcreditz.com, AND SHOULD not necessarily be relied upon BY YOU. YOU
UNDERSTAND AND AGREE THAT ALL OPINIONS, GENERAL ADVICE, STATEMENTS OR COMMENTS are not to be construed as
professional advice from quickcreditz.com, ITS EMPLOYEES, or ITS Website Owner AND SHOULD NOT BE RELIED UPON FOR
PERSONAL, MEDICAL, LEGAL, OR FINANCIAL DECISIONS. YOU SHOULD MAKE YOUR OWN INDEPENDENT RESEARCH AND ANALYSIS
REGARDING THE OPINIONS, STATEMENTS, information, and general advice RECEIVED VIA THE SITE, AND YOU SHOULD
CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

quickcreditz.com MAY PROVIDE YOU WITH VARIOUS TOOLS AND SOFTWARE THROUGHOUT THE SITE TO ASSIST YOU IN VARIOUS TASKS
OR ALLOW YOU TO SUBMIT AND EXAMINE YOUR ELIGIBILITY FOR VARIOUS SERVICES PROVIDED BY THIRD PARTY PROVIDERS.
SOME TOOLS AND SOFTWARE MAY REQUIRE YOU TO PROVIDE CERTAIN PERSONAL INFORMATION AND/OR WILL BE DEPENDENT ON
INFORMATION INPUTED BY YOU IN ORDER TO PROVIDE YOU WITH ACCURATE RESULTS BASED ON AUTOMATED DECISIONS. YOU
UNDERSTAND AND AGREE THAT NEITHER quickcreditz.com NOR ITS TECHNOLOGY PARTNER ALL CLEAR DECISIONSING, LLC (WHICH
PROVIDES PART OF AUTOMATED DECISIONING SOFTWARE ON THE SITE), ARE RESPONSIBLE OR LIABLE FOR THE AUTOMATED
DECISIONING SYSTEM’S RESULTS WHICH WILL DEPEND ON YOUR INFORMATION INPUT, AND ANY INACCURACY (WHETHER ON
PURPOSE OR NOT) MAY EFFECT THE ACCURACY OF THE RESULTS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL quickcreditz.com AND/OR ITS WEBSITE OWNER,
OFFICERS, EMPLOYEES, MEMBERS, OR REPRESENTATIVES BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL,
SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF
USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH: THE USE OR PERFORMANCE OF THE quickcreditz.com
SITE; WITH THE DELAY OR INABILITY TO USE THE quickcreditz.com SITE OR RELATED OR OFFERED SERVICES; THE PROVISION OF
OR FAILURE TO PROVIDE SERVICES BY quickcreditz.com OR ANY THIRD-PARTY WHICH MAY MARKET ITS SERVICES ON quickcreditz.com; OR
ARISING OUT OF OR RELATING TO ANY INFORMATION, SOFTWARE (WHETHER OWNED BY quickcreditz.com OR LICENSED TO quickcreditz.com
BY A THIRD PARTY), DEBT ADVISOR PRODUCT, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE
quickcreditz.com SITE; OR OTHERWISE ARISING OUT OF OR RELATING TO THE USE OF THE quickcreditz.com SITE, WHETHER BASED ON
CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF quickcreditz.com OR ANY OF ITS SUPPLIERS,
PARTNERS, THIRD PARTY VENDORS, OR TECHNOLOGY PROVIDERS, HAVE BEEN ADVISED OF THE POSSIBILITY OF A CLAIM,
DISPUTE, DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY
FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU IF YOU LIVE IN A
STATE/JURISDICTION THAT EXPRESSLY PROHIBITS THE USE OF LIMITATION OF LIABILITY. IF YOU ARE DISSATISFIED WITH
ANY PORTION OF THE quickcreditz.com SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO
DISCONTINUE USING THE quickcreditz.com SITE.

X. TERMINATION/ACCESS RESTRICTION

quickcreditz.com may establish areas on the Site which may require obtaining access credentials. Should you obtain
such access to restricted areas on the Site, quickcreditz.com reserves the right, in its sole discretion, to
terminate your access to the quickcreditz.com Site and the related services or any portion thereof at any time,
without notice.

In the event that you misuse our Site, the tools and software on our Site, or otherwise breach the terms of
these Terms and Conditions or the Privacy Policy, you understand that quickcreditz.com reserves the right, in its
sole discretion, terminate your access and/or use of the Site, or any tool or software on the Site.

XI. SITE NOT
INTENDED FOR USE BY MINORS UNDER THE AGE OF 18

The Site is not designed or directed to individuals under the age of eighteen (18), and we request that
these individuals do not provide Personally Identifiable Information (PII) through the Site. Information of
minors that is considered PII under the Children Online Privacy Protection Act (COPPA) includes: (i) First
and last name; (ii) Physical address that includes street and town or city name; (iii) E-mail address; (iv)
Online identifier that permits an individual to be contacted directly (e.g. an IM name, video or audio chat
username, or other form of screen name); (v) Telephone number; (vi) Social security number; (vii) Image,
video or audio containing an individual’s image or voice; (viii) Information sufficient to identify
the home or other physical address of an individual; (ix) A cookie number, IP address, unique device number
or other persistent identifier that can be used to track and recognize an individual over time and across
different websites or apps; and/or (x) Hobbies, interests, information collected through the use of cookies,
and any other information collected from a child that is either about that child or the parents/guardians of
that child that, when combined with any of the above, can be used to identify the child.

quickcreditz.com does not knowingly or willfully collect PII from minors under 18 years of age without parental
consent. If you believe your minor child provided his information on our site in disregard of these Terms
and Conditions, we request that you notify us in writing by contacting us via email at [email protected], and inform
us immediately so we can take all reasonable measures to remove and delete any PII provided by your child
through our Site or the tools provided on our Site. For more information regarding this policy please visit
our Privacy Policy.

XII. COPYRIGHT AND TRADEMARK NOTICES:

quickcreditz.com, and the quickcreditz.com logo are registered trademarks, trade names or service marks of quickcreditz.com, LLC or
its related companies. All other trademarks and service marks presented on the Site are the property of
their respective owners, and quickcreditz.com has obtained permission to use them in association with the
educational information and referral services provided. You are not permitted to use any trademark or
service mark displayed on this Site without the prior written consent of quickcreditz.com or the owner of such
trademark or service mark. You acknowledge and understand that you have no rights to any trademarks, service
marks, copyrights. quickcreditz.com reserves all rights to its Intellectual Property on the Site.

XIII. COPYRIGHT INFRINGEMENT POLICY:

In accordance with the requirements set forth in the Digital Millennium Copyright Act, Title 17 United
States Code Section 512(c)(2)(“DMCA”), quickcreditz.com will investigate notices of copyright infringement and take
appropriate remedial action. If you believe that any Content on the Site has been used or copied in a manner
that infringes your work, please provide a written notification of claimed copyright infringement to the
Designated Agent for the Site containing the following elements as set forth in the DMCA:

a physical or electronic signature of the owner of the copyright interest that is alleged to have been
infringed or the person authorized to act on behalf of the owner;
identification of the copyrighted work(s) claimed to have been infringed, including copyright date;
identification of the Content you claim to be infringing and which you request be removed from the Site
or access to which is to be disabled along with a description of where the infringing Content is located;
information reasonably sufficient to allow us to contact you, such as a physical address, telephone
number and an email address;
a statement by you that you have a good faith belief that the use of the Content identified in your
written notification in the manner complained of is not authorized by you or the copyright owner, its
agent or the law; and
a statement by you that the information in your written notification is accurate and that, under penalty
of perjury, you are the copyright owner or authorized to act on behalf of the copyright owner.

quickcreditz.com’s designated agent for the written notification of claims of copyright infringement can be
contacted at the following address:

Designated Agent – Copyright Infringement Claims
quickcreditz.com LLC
8220 W. State Road 84,
Fort
Lauderdale, FL 33324
Email: [email protected]

XIV. YOUR INDEMNIFICATION
REQUIREMENTS

You agree to defend, indemnify and hold quickcreditz.com and its officers, directors, shareholders, employees,
independent contractors, agents, representatives, technology partners (All Clear), and affiliates harmless
from any and against all claims and expenses, including, but not limited to, attorneys’ fees, arising out
of, or related to: (i) any breach or violation of this Agreement by you; (ii) your failure to provide
accurate, complete, and current personally identifiable information (“PII”) in response to any request form
on our Site, through a tool or software on our Site, or specifically on the Debt Advisor on our Site; (iii)
your access or use of Services through our Site; (iv) access to our Site or use of our Services under any
password that may be issued to you; (v) your transmissions, submissions or postings (i.e., your own User
Generated Content); (vi) the Services you receive from any of the Service Providers to which you were
referred by us; and/or (vii) any personal injury or property damage caused by you.

XV. GENERAL / MISCELLANEOUS TERMS

Governing Law, Jurisdiction, Venue; Waiver of Jury Trial. This Agreement is governed by
the laws of the State of Florida, without regards to any choice of law provisions or principles. Should
you properly and timely opt out of Arbitration, you hereby consent to the exclusive jurisdiction and venue
of state or federal courts sitting in Broward County, Florida, in all disputes arising out of or relating
to the use of the quickcreditz.com’s Site. If you did not opt out of Arbitration, please see the Arbitration
provision below for the applicable law and jurisdiction governing your arbitration. You and we agree to
submit to the personal jurisdiction of the courts located within Broward County, Florida for the purpose
of litigating all such claims or disputes. SHOULD YOU PROPERLY AND TIMELY OPT OUT OF ARBITRATION,
YOU, NONETHELESS, UNDERSTAND THAT EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY THAT MAY ARISE
UNDER THIS AGREEMENT IS LIKELY TO INVOLVE COMPLICATED AND DIFFICULT ISSUES AND, THEREFORE, EACH PARTY
HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES ANY RIGHT SUCH PARTY MAY HAVE TO
A TRIAL BY JURY IN RESPECT OF ANY PROCEEDING DIRECTLY OR INDIRECTLY ARISING OUT OF
OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT.
Relationship of the Parties. You agree that no joint venture, independent
contractor, partnership, employment, or agency relationship exists between you and quickcreditz.com as a result of
this Agreement or use of the quickcreditz.com Site.
Applicability of Laws. quickcreditz.com’s performance of this Agreement is subject to
existing laws and legal process, and nothing contained in this agreement is in derogation of quickcreditz.com’s
right to comply with governmental, court and law enforcement requests or requirements relating to your use
of the quickcreditz.com Site or any information provided to or gathered by quickcreditz.com with respect to such use. Use
of the quickcreditz.com Site is unauthorized in any jurisdiction that does not give effect to all provisions of
these terms and conditions, including without limitation this paragraph.
Severability. If any part of this Agreement is determined to be invalid or
unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and
liability limitations set forth above, then the invalid or unenforceable provision will be deemed
superseded by a valid, enforceable provision that most closely matches the intent of the original
provision and the remainder of the agreement shall continue in effect.
Entire Agreement. Unless otherwise specified herein, this Agreement, along with
our Privacy Policy, any Notices and Disclosures on our Site, which are incorporated herein by reference,
together constitute the entire agreement between the You and quickcreditz.com with respect to the Site and it
supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written,
between the user and quickcreditz.com with respect to the quickcreditz.com Site. A printed version of this Agreement and
of any notice given in electronic form shall be admissible in judicial or administrative proceedings based
upon or relating to this Agreement to the same extent and subject to the same conditions as other business
documents and records originally generated and maintained in printed form. It is the express wish to the
parties that this Agreement and all related documents be drawn up in English despite having these terms in
translated to other languages.
Amendments to this Agreement. We reserve the right to update, amend and/or change this
Agreement at any time in our sole discretion and without notice. Updates to this Agreement will be posted
here. Amendments will take effect immediately upon us posting the updated Agreement on our Services. You
are encouraged to revisit this Agreement from time to time in order to review any changes that have been
made. The date on which this Agreement was last updated will be noted immediately above this Agreement.
Your continued access and use of our Services following the posting of any such changes shall
automatically be deemed your acceptance of all changes.

XVI. Dispute Resolution by Binding Arbitration –
IMPORTANT NOTICE WAIVING YOUR RIGHT TO BRING A CLAIM BEFORE A JUDGE OR JURY IN COURT.

In the event of any controversy between you and quickcreditz.com, including but not limited to any demand, claim,
suit cross claim, counterclaim, or third-party complaint or dispute, whether contractual, statutory, in tort
or otherwise (including but not limited to our technology providers, designated servicers, and any
fulfillment provider working on your behalf) arising out of, or in any way relating, to our relationship,
including but not limited to this Agreement, our Privacy Policy, Site Disclaimers, use of the quickcreditz.com Site,
the information on quickcreditz.com’s Site, any referral services provided by quickcreditz.com, any quickcreditz.com’s TCPA consent
form, or alleged TCPA violation by quickcreditz.com, or the breach, termination, enforcement, interpretation, or
validity of the Agreement or its performance, including any determination of the scope, enforcement or
applicability of this provision to arbitrate, shall be resolved by binding arbitration in the nearest
metropolitan area to the county in which you reside, or at such other location upon which the parties may
agree upon. This agreement to arbitrate shall be governed exclusively by the Federal Arbitration Act
(“FAA”), 9 U.S.C. §1 et sec., which shall govern the interpretation and enforcement of our mutual agreement
to arbitrate, and not by any state rule or statute governing arbitration and without regards to any state
arbitration law. This agreement to arbitrate shall survive termination of the Agreement. The Parties agree
to the following Arbitration Terms:

Arbitration Administration. The Arbitration shall be administered by the American
Arbitration Association (“AAA”) (www.adr.org), the Judicial Arbitration Mediation Services (“JAMS”), or
another nationally known consumer arbitration service agreed by the parties in the event AAA and JAMS no
longer conduct consumer arbitrations. The Party who intends to seek arbitration must first send to the
other Party a written Notice of Dispute before filing it with the arbitration service provider. The Notice
must describe both the nature and basis of the dispute; and the specific relief sought. Any notice shall
be deemed to have been given and received for all purposes when delivered by hand, a day after receipt
through a nationally recognized overnight courier, or a day after being received through certified or
registered mail, postage and charges prepaid, return receipt requested, to us at: quickcreditz.com, LLC, Attn:
Legal Department, 8220 W. State Road 84, Fort Lauderdale, FL 33324.
Commencement and Rules of Arbitration. If we do not resolve a claim within 30 days
after receipt of the Notice, the party sending the Notice may commence an arbitration proceeding with the
AAA, JAMS, or another national arbitration provision if AAA or JAMS are unavailable, by filing a Demand of
Arbitration in effect at the time the action is commenced. If you choose to file with the AAA, you may
download or copy the form to initiate arbitration from the following website: http://www.adr.org/consumer.
The AAA shall provide the parties a list of 5 arbitrators in which the parties may agree on an arbitrator.
If the parties cannot mutually agree on an arbitrator, the parties shall rank the arbitrators and the AAA
shall appoint a single arbitrator who shall administer the arbitration proceeding pursuant to its
Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer-Related Disputes
(“AAA Rules”), with the exception of Mass or Class Arbitration rules. The AAA Rules are available at
www.adr.org or by calling the AAA at 1-800-778-7879. If you choose to file with JAMS, you may download or
copy the form to initiate arbitration from the following website: https://www.jamsadr.com/adr-forms. JAMS shall provide the parties a list
of 5 arbitrators in which the parties may agree on an arbitrator. If the parties cannot mutually agree on
an arbitrator, the parties shall rank the arbitrators and the JAMS shall appoint a single arbitrator who
shall administer the arbitration proceeding pursuant to its Commercial Dispute Resolution Procedures and
the Consumer Arbitration Minimum Standards (“JAMS Rules”), with the exception of Mass or Class Arbitration
rules. In the event another arbitration service is provided, the parties agree to follow the rules and
principles of that arbitration service, except as to any rights to Mass or Class Arbitration rules which
the Parties expressly agree will not apply.
The Arbitrator. The selected arbitrator shall be either a retired judge or an
experienced attorney, shall be neutral and independent, and shall comply with the selected arbitration
service’s code of ethics. The Arbitrator shall conduct the arbitration in a civil manner and ensure
civility of the parties while making their arguments. Additionally, in conducting the arbitration hearing,
in addition to the selected arbitration service rules, the arbitrator shall be guided by the Federal Rules
of Civil Procedure, the Federal Rules of Evidence, and Florida substantive law, and in case of a federal
law based claim the applicable federal law at issue.
The Arbitration Award. The Arbitrator shall issue a written reasoned award in
which the arbitrator shall address the claims, defenses, evidence presented, entitlement of legal fees and
arbitration costs (including arbitrator costs and any expert witness costs), and legal reasoning in making
his decision. If the Arbitrator determines that reasonable attorney fees and costs may be awarded under
applicable law, the parties agree that the arbitrator shall determine the amount of reasonable attorneys’
fees to be awarded. Any award rendered by the arbitrator shall be final and binding and shall not be
subject to vacation or modification, except as expressly permitted by the Federal Arbitration Act.
Judgment on the Arbitration Award may be entered in the jurisdiction in which the arbitration was
commenced or in any court having jurisdiction over the Party against whom judgment is to be entered.
Waiver of Right to Bring Mass or Class Actions. The parties agree that either party may bring claims
against the other only in his/her or its individual capacity and not as a plaintiff or class member in
any purported mass, class, or other representative proceeding. Further, the parties agree that the
arbitrator may not consolidate proceedings of more than one person’s claims and may not otherwise
preside over any form of representative or class proceeding.
Limitation on Injunctive Relief: The arbitrator may award injunctive relief only
in favor of an individual party seeking relief and only to the extent necessary to provide relief
warranted by that party’s individual claim.
Costs of Arbitration: Payment of all filing, administration and arbitrator fees
will be governed by the selected arbitration service rules. Each party shall bear its own attorneys’ fees,
if any, unless such fees are expressly provided for by applicable law. In the event that a party fails to
proceed with Arbitration, unsuccessfully challenges the Arbitrator’s award, or fails to comply with the
Arbitrator’s award, the other party shall be entitled to costs of suit, including reasonable attorneys’
fees for having to compel Arbitration or defend or enforce the award.
Arbitration Opt-Out. YOU MAY OPT-OUT OF THE TERMS OF THIS ARBITRATION PROVISION BY
PROVIDING quickcreditz.com WITH NOTICE IN WRITING WITHIN THIRTY (30) DAYS OF FIRST USING OUR SITE. If you do so,
neither you nor we can require the other to participate in an arbitration proceeding. To opt out, you must
notify us in writing either by U.S. mail delivered to: Attn: Legal Department, quickcreditz.com, LLC, 8220 W.
State Road 84, Fort Lauderdale, FL 33324 or by email delivered to [email protected]. You must include: (1) your
name and residence address; (2) the email address and/or mobile telephone number associated with your
account; and (3) a clear statement that you want to opt out of this agreement to arbitrate.
What does arbitration mean? By agreeing to arbitration, we both acknowledge and agree that we
are each: (i) waiving the right to pursue any other available dispute resolution processes, including,
but not limited to, a court action or administrative proceeding, (ii) waving the right to participate in
any class or mass action, (iii) waving the right to a trial by either a judge or jury, and (iv) giving
up any right to appeal the arbitrator’s decision, except for a limited range of appealable issues
expressly provided in the FAA. This section is considered by the parties to be an integral and
non-voidable requirement and part of this Agreement, and the parties agree that prior to signing this
Agreement including agreeing to this section they: (1) have had the opportunity to review such
carefully, including with their own legal counsel if needed, (2) the parties understand the limitations
on legal rights contained in this section including, but not limited to, the waiver of jury trial, the
waiver of court proceeding and class actions, and (3) the parties consent and agree that this section is
fair, reasonable, represents the intentions of each party at the time of entry into this Agreement, and
should not be set aside later for any reason by any court. This section and the arbitration requirement
shall survive termination.

Notwithstanding any provision in the Agreement to the contrary, you and we agree that if we make a
change to this agreement to arbitrate in the future, that change shall not apply to a claim that was filed
in a legal proceeding between you and us prior to the effective date of the change.

XVII. Contact Us

Should you have questions regarding these terms or need additional information regarding our services, you
may reach us via mail or email at:

quickcreditz.com, LLC

8220 W. State Road 84,
Fort Lauderdale, FL 33324
Email: [email protected]

PLEASE PRINT AND MAINTAIN A COPY OF THESE TERMS AND CONDITIONS FOR YOUR RECORD. MAKE SURE TO
PERIODICALLY CHECK OUR TERMS AND CONDITIONS FOR UPDATES.

quickcreditz.com PRIVACY POLICY

Last updated: January 30th, 2025.

quickcreditz.com, LLC (“quickcreditz.com”) is the operator of this web site. This Privacy Policy (hereinafter sometimes
referred to as the “Notice” or “Privacy Policy” or “Privacy Notice”) applies to
this quickcreditz.com online interface (i.e., website or mobile application (“App(s)”))
(the “Site”). The term “quickcreditz.com” or “we” or “us” or “our” in this Notice refers to quickcreditz.com, and
any of quickcreditz.com’s affiliates or subsidiaries that may adopt this Notice or certain applicable portions of
this Notice. This Notice describes how this Site, or any quickcreditz.com landing pages linked to this Site
(quickcreditz.com’s landing pages and this Site shall collectively refer to as “Sites”), may collect, use, store,
and share information from or about you, and explains how information collected from or about you may be,
used for advertising purposes or shared with third parties. quickcreditz.com may provide other online interfaces not
covered by this Notice, which shall be subject to their own privacy notices. If you visit or access your
services from one of these sites, please review the online privacy practices of that site to understand how
your online information may be collected, used and shared.

Agreement to this Policy: This Privacy Policy is incorporated by reference into
quickcreditz.com’s Terms and Conditions, including the obligation to arbitrate your claims under this Privacy Policy
pursuant to your agreement to arbitrate in Section XVI titled Dispute Resolution by Binding
Arbitration. See Section XVI Dispute Resolution by Binding
Arbitration section of this Agreement. By using, interacting with,
entering information, or viewing information on this Site, you expressly acknowledge and consent to this
Privacy Policy in it’s entirety, including providing you your consent to our use and disclosure of
information collected from, or about, you in the manner described herein. You agree that quickcreditz.com will rely
on your use and interaction with this Site as your express consent to the terms of this Privacy Notice.
YOU AGREE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THE TERMS AND CONDITIONS AND THIS
PRIVACY POLICY.

Outline

INFORMATION WE MAY COLLECT
HOW WE MAY COLLECT YOUR INFORMATION
HOW DO WE USE YOUR PERSONAL INFORMATION
HOW YOUR INFORMATION MAY BE SHARED
YOUR DATA RIGHTS
DATA SECURITY
MISCELLANEOUS

I. INFORMATION WE MAY COLLECT

quickcreditz.com may collect certain information, including Personally Identifiable Information (“PII”), in
accordance with the law and to provide you with exemplary services.

In particular, quickcreditz.com may collect the following categories of PII:

General Identifying Information: General Identifying Information may include, but not
limited to, you full name, postal address, e-mail address, telephone number, social media account ID,
profile photo, other data made publicly available, or data made available by linking your social media or
other similar identifiers.
Demographic Information and Important Dates: Demographic Information and Important
Dates may include, but not limited to, you gender, language preferences, nationality, and/or date of
birth.
Financial Information: Financial Information may include, but not limited to, your
credit, debit, or other payment data, bank account information, personal financial statements, or other
financial personal information about you or your household.
Credit Information: Credit Information may include, but not limited to, your credit
score, credit accounts status, and other creditworthiness information about you or your household.
Internet or Other Electronic Information: Internet or other Electronic Information
may include, but not limited to, your web history, search history, interactions with a website, email,
applications, or advertisements, IP address, IP Host location, enabled cookies, or any other information
that may be automatically obtained from you while making use of the Sites.
Geolocation information: Geolocation information may include, but not limited to, your
real-time location or GPS coordinates data provided by your computer or mobile device or web browser, data
derived from your IP address, general location based on nearby Wi-Fi networks or cell towers, location
history records, geotags in content uploaded to the Site, or other user location information entered by
you.
Inferences drawn from the above information about your predicted characteristics.
Categories that may be considered Sensitive Personal information: Such information may
include Government Identifiers, Financial Information, Credit Information, or other sensitive information
as defined by applicable law.

Notice Regarding Sensitive
Personal Information

“Sensitive Personal Information” means any information that could be used to identify you
individually and that relates to your finances or financial accounts with us. This includes, but is not
limited to:

Social Security number.
Account numbers.
Transaction history.
Credit score and credit reports.
Investment information.
Personal financial statements.
Any other information which is used or associated with a financial account belonging to you or your
financial well being.

Purposes of Collection:

We collect Sensitive Information for the following purposes:

Providing and maintaining financial services and products (e.g., processing transactions, managing
accounts, recommending financial relief services).
Verifying your identity and protecting against fraud.
Complying with legal and regulatory requirements.
Improving our services and offerings.
Marketing products and services by us or third-parties service providers (subject to your opt-out
choices).

Third Parties with Whom Personal Identifiable Information or Sensitive Personal Information May Be Shared.

We may share your PII and/or Sensitive Information with the following types of third parties:

Affiliates: Companies within our corporate family for the purposes outlined in this policy.
Our Service Providers: Companies that perform services on our behalf, such as data processing,
marketing, and customer support. We contractually require these providers to protect the confidentiality
and security of your Sensitive Information.
Third Party Financial Service Providers: Companies that preform financial services for consumers to whom
consumers who use our Site may be referred to.
Other Financial Institutions: Other financial institutions with whom we partner to offer specific
products or services.
Government Agencies: As required by law or legal process.

We may share your PII and/or Sensitive Personal Information for marketing purposes with our affiliates and
third-party partners. You have the right to opt out of this sharing at any time. To opt out, please visit
our “Limit the Use of My Sensitive Information” page.

We may share your PII and/or Sensitive Personal Information with third party service providers and
financial institutions as necessary to provide you with financial services and products. You may not opt out
of this sharing, as it is essential for us to fulfill our contractual obligations to you.

Other Information We Collect Online

Other Information is any information, other than Personal information, PII, or Sensitive Personal
Information, which does not reveal your specific identity, such as browser information, information
collected through cookies, pixel tags, web beacons and other technologies, demographic information, and
aggregated and de-identified data. Other Information may also include geographic information, referral
information and URL information. Although such information may not by itself reveal your specific
identity, it could be used by third parties that have independent relationships with you to identify you,
your web activities and your interests.

We may also install cookies, web beacons or other technologies, including technologies that identify the
dialing, routing, addressing and signaling information generated by Sites users, that provide access to
third parties to your information, including but not limited to your IP address and browsing activity on
pages of our Sites where these devices are placed. Cookies may be active for a period of anywhere from 30 to
90 days, however, you may remove cookies using your browser settings. You understand that we do not control
any information gathered by such devices or its use by such third parties. These third parties are required
to handle your personal information in accordance with their own privacy policies and applicable data
protection laws and regulations.

You agree that any such PII, Sensitive Personal Information, or Other Information collected through
cookies, pixel tags, web beacons and other technologies, including any technologies that identify the
dialing, routing, addressing and signaling information generated by website users may be used and shared by
quickcreditz.com as provided in this Notice.

In general, we may use or use these different types of cookies:

Strictly Necessary Cookies: These cookies are necessary to enable the basic
features of our Sites and Apps, such as providing a secure log-in or booking a stay.
Functional Cookies: These cookies allow our Sites to remember your site
preferences and choices you make on the site. We also use functional cookies to facilitate navigation, to
display content more effectively, and/or to personalize your experience.
Advertising Cookies: Advertising cookies allow us to select which advertisements
or offers are most likely to appeal to you. We also use them to track responses to online advertisements
and marketing, and we may use them to better understand your interests so we can present you with relevant
messages and offers. These cookies may also allow you to share certain pages with social networks.
Analytics Cookies: Analytics cookies help us improve our Sites and Apps by
collecting and reporting information on how you use it.
Instant Debt Advisor’s Essentials and Non-Essentials Cookies:
- Essential Cookies: Cookies necessary for the core functionality of the application
  and cannot be disabled without impacting the user experience. In our application essential cookies
  include:
  - Authentication Cookies: Used to manage user sessions and ensure secure access
    to the application.
  - Application Performance Cookies: Necessary for maintaining service reliability,
    such as load balancing and ensuring smooth operation of the app.
  - Compliance Cookies: Used for functionality like screen recording to capture
    user actions for TCPA compliance and acceptance certificates.
  - Load Balancing Cookies: Ensure efficient distribution of network traffic across
    servers.
  - Security Cookies: Protect the website and user from malicious activities.
- Non-Essential Cookies: Cookies that enhance the user experience but are not
  required for the application to function. Users can accept or reject these cookies without impacting
  the application’s core functionality. Examples include:
  - Analytics Cookies: Google Analytics for tracking user behavior, understanding
    usage patterns, and improving the application.
  - Marketing or Personalization Cookies: (If applicable) Used for targeted
    advertising or customizing user experience based on preferences.

You can learn more about cookies at: http://www.allaboutcookies.org/manage-cookies/index.html↗.

There are several ways to manage cookies:

Browser settings: You can opt out of cookies on your browser. Every browser is
different, please check the instructions provided by your browser. Note should you choose to opt out of
cookies on your browser or disable cookies, such action may impact your use of our Site.
Cookies Preferences: Through our “Cookie Preferences” tool.
Google and Adobe Analytics: We collect data through Google Analytics and Adobe
Analytics, which use cookies and technologies to collect and analyze data about the use of Online
Services. These services also collect data regarding the use of other websites, apps, and online
resources. You can learn about Google’s practices by going to www.google.com/policies/privacy/partners/↗ and opt out by
downloading the Google Analytics opt out browser add-on, available at https://tools.google.com/dlpage/gaoptout↗.

Advertising Choices

We may use third-party advertising companies to serve advertisements on our Site. To serve such
advertisements, these companies place or recognize a unique cookie on your browser (including through use of
pixel tags). They also use these technologies, along with information they collect about your online use, to
recognize you across the devices you use, such as a mobile phone and a laptop. If you would like more
information about this practice, and to learn about your choices in connection with it, please visit:

II. HOW WE COLLECT YOUR INFORMATION

We may collect PII and/or Sensitive Personal Information from you in the following ways:

Directly from you when you visit our Sites or contact us regarding our products or services.
From third parties such as credit reporting data (accounts, pay history, balances)or lead generation
data.
Indirectly from you such as through your interactions with our Sites or through the use of cookies or
other related tracking software.
From marketing or analytics partners, such as Google, Meta, or other third-party partners.
From government agencies or public records.
Various third parties, such as public databases, joint marketing partners, financial service
providers.

III. HOW DO WE USE YOUR
PERSONAL INFORMATION

We may use your PII and/or Sensitive Personal Information for the following purposes:

to respond to your inquiries and fulfill your requests.
to inform you about important information regarding the Site, products or services for which you may
apply or in which you are enrolled, changes to terms, conditions, and policies and/or other administrative
information.
to deliver marketing communications that we believe may be of interest to you, including, ads or offers
tailored to you, including ads on other websites, or from affiliated or unaffiliated third parties.
to personalize your experience on the Site.
to refer you to various financial service providers that may offer you various financial services
independently of our Site.
to allow you to apply for various products or services and evaluate your eligibility for such products
or services.
to verify your identity and/or location (or the identity or location of your representative or agent) in
order to allow access to services you may enroll in, conduct online transactions and to maintain measures
aimed at preventing fraud and protecting the security of your Personal information.
to allow you to participate in surveys and other forms of market research, sweepstakes, contests and
similar promotions, and to administer these activities. These activities may have additional rules of
participation, which may also contain additional policies about how the PII or Sensitive Personal
Information provided is used and/or shared.
to allow us to verify your identity or other information collected from or through our social media
pages or campaigns and other interaction with online forms generated on our behalf. We may combine and use
PII and/or Sensitive Personal Information you provide in this Site with the information collected from our
social media pages or from your interaction with online forms generated on our behalf.
to allow you to enter and participate in our live chat, forums, and/or other types of bulletin boards
that we may have on the site from time to time.
for business purposes, including data and marketing analysis, audits, developing and improving products
and services, enhancing the Site, identifying usage trends and determining the effectiveness of
promotional campaigns.
for risk control, fraud detection and prevention, to comply with laws and regulations, and to comply
with other legal process and law enforcement requirements.
to allow you to utilize features within our Sites by granting us access to information from your device,
such as contact lists or geolocation, when you request certain services.

IV. HOW YOUR INFORMATION MAY BE
SHARED

We may share your PII and/or Sensitive Personal Information for commercial, marketing, and business
purposes, all in compliance with this Privacy Policy.

Information Disclosed for Business Purposes. In the previous 12 months, we have disclosed the information
that may includes the following categories of personal information for business purposes:

General Identifying Information
Demographic Information and Important Dates
Financial Information
Credit Information
Internet or Other Electronic Information
Geolocation information
Inferences drawn from the above information about your predicted characteristics
Information that may be considered Sensitive Personal information

Categories of Third Parties Who Receive Information for Business Purposes:

Affiliates
Our Service Providers
Third Party Financial Services Companies and Financial Institutions
Marketing and Research Companies
Regulatory Authorities or Law Enforcement
Technology/Computer Software Companies
Telecommunications Companies

Information Sold or Shared for Non-Business Purposes. In the previous 12 months, the following categories
of Personal Information, PII, or Sensitive Personal Information were sold or disclosed to third parties for
non-essential business purposes.

General Identifying Information
Demographic Information and Important Dates
Financial Information
Credit Information
Internet or Other Electronic Information
Geolocation information
Inferences drawn from the above information about your predicted characteristics
Information that may be considered Sensitive Personal Information

Categories of Third Parties to Whom Personal Information, PII, or Sensitive Personal Information Has Been
Sold:

Affiliates
Non-affiliated financial services organizations
Targeted marketing providers
Financial services organizations, including debt settlement, credit repair, credit counseling,
bankruptcy, and debt management companies; other debt relief service providers.
Marketing and Research Companies

Sale of Personal Information and Targeted Marketing

quickcreditz.com may engage in the “Sharing” or “Sale” of your personal information. quickcreditz.com may also engage in
“targeted advertising” in its use of your personal information. We do not knowingly collect, “sell”
or “share” the personal information of individuals under the age of 18. If you are below
the age of 18, you are prohibited from making use of our Sites and providing personal information on our
Sites. See also COPPA Disclosure in Section VIII below.

V. YOUR DATA RIGHTS

Depending on where you reside, you may have certain rights regarding the personal information we collect
and share. Residents of applicable states, including California, Virginia, Colorado, Connecticut, Iowa,
Indiana, Tennessee, Texas, Montana, Minnesota, Oregon, Delaware, New Hampshire, New Jersey, Kentucky,
Nebraska, and Rhode Island, may be provided the right to make the following request, depending on applicable
law.

a) Request to Know. You may request to know whether we process your Personal information and to
access such Personal information. You may request to receive the specific pieces or a copy of your Personal
information, including, where applicable, a copy of the Personal information you provided to us in a
portable format. Depending on where you reside, you may request that we disclose to you the following
information:

The categories of Personal information we collected about you and the categories of sources from which
we collected such Personal information;
The business or commercial purpose for collecting, selling, or sharing (if applicable) Personal
information about you;
The categories of Personal information about you that we sold or “shared” and the categories of third
parties to whom we sold or “shared” such Personal information (if applicable); and
The categories of Personal information about you that we otherwise disclosed and the categories of third
parties with whom we disclosed such Personal information (if applicable).

b) Request to Delete. You may request that we delete your Personal information.

c) Request to Appeal. If we refuse to act on your request, you may appeal our refusal within a
reasonable period after you have received notice of the refusal.

d) Request to Correct. You may request that we correct inaccuracies in your Personal information.

e) Request to Opt-Out of Sale, Targeted Advertising, and/or Sharing. You may request to opt-out of
the “sale” of your Personal information and/or targeted advertising, including the “sharing” of your
Personal information for cross-context behavioral advertising purposes.

Submitting a Data Request

To submit a data rights request in accordance with the above, please visit our Data Rights Request page.

Automated Decision-Making Tools

In the event that automated decision-making processes are used on our Site in connection with an
application or request by you, depending on where you reside, you may request that we disclose to you the
following: That the decision regarding your request was made using an automated decision making systems or
processes;
If you are unsatisfied with the decision, you have the right to request an explanation of how the
decision was made using our automated decision-making process and how you may proceed to have the decision
changed or fixed.
Certain features on our Site(s) are subject to automated decision making. Any information you provide in
using those features will translate to automated decision regarding your inquiry or request. You
understand and agree that these automated decision making features are developed by third party technology
providers which will have access to your personal information you may provide on our Site when using the
automated decision making features. Your use of these features expressly authorize the share of the
information with these third parties. Furthermore, you understand that the mechanisms or processes of the
automated decision making features are not controlled by quickcreditz.com, nor does quickcreditz.com has the ability to
effect the decision results.
The Instant Debt Advisor^SM (“Debt Advisor”): The Debt Advisor asks you
simple questions and obtains from you certain personal identifiable information, including but not limited
to: your full legal name, address, phone number, social security number, approval to do a soft
pull to your credit, current finances, and other relevant information regarding your debt and
financial situation. You understand and agrees that All Clear, as the developer of the
Debt Advisor platform, may have access to the information you enter or provide the Debt Advisor, and may
share it with independent service provides with whom the consumer is matched. In addition to quickcreditz.com’s
privacy policy, the information shall be also subject to All Clear’s privacy policy. For more information
regarding All Clear’s Privacy Policy, please visit All Clear Privacy Policy.

Sensitive Personal Information

We may collect and disclose certain information that may be considered ‘sensitive information’ under the
applicable data privacy laws. We may disclose this information to affiliates, and non-affiliated third
parties for various purposes, including marking or to provide you with services that you have. Depending on
where you reside you may have the right to limit the disclosure of this information to non-related third
parties for marketing purposes. To submit a request to limit the disclosure of your sensitive information,
please visit our ‘Limit the Use of Sensitive Information’ webpage.

quickcreditz.com Managed Direct Marketing: If you prefer that we not deliver you marketing
offers in email, postal mail or through telemarketing you may manage your direct marketing choices by
emailing us your requests at [email protected].

You may opt-out or unsubscribe from a newsletter or other email list at any time by following the
instructions at the end of the newsletters or emails which you receive. Please allow five to ten (5-10)
business days for changes to take effect. Please be advised that all opt-out requests will be honored by the
10^th business day. You understand and agree that during that period and while your request is
pending you may still receive newsletters and emails. Client service-related communications are an integral
part of the services you receive from us, and you may continue to receive such service-related emails unless
you cancel your account, even if you opt out of the newsletters or email list. If you have provided more
than one email address to us, you may continue to be contacted unless you request to unsubscribe each email
address you have provided. You may also opt-out of receiving our newsletter or marketing emails by
contacting us at [email protected] or
by replying to an existing email with your request to be removed from the mailing list.

VI. DATA SECURITY

At quickcreditz.com, the security of your Personal Information is extremely important to us. We take commercially
reasonable precautions to protect your personal information and only provide employees access to it on a
need-to-know basis. In an effort to prevent the unauthorized access, disclosure, dissemination, misuse,
loss, alteration or destruction of your personal information, we have employed commercially reasonable
physical, electronic, and managerial measures to protect your data and we periodically review these policies
and procedures to prevent these types of acts. However, despite our best efforts, no security policy,
procedures or practices are adequate to protect against all types of threats or data losses and no type of
data transmission method is impenetrable to interception.

Links to other sites: We may provide links to third-party sites. If you follow links to sites not
affiliated or controlled by quickcreditz.com, you should review their privacy and security policies and other terms
and conditions, as they may be different from those of our Site. quickcreditz.com does not guarantee and is not
responsible for any interaction between you and the third-party sites, including but not limited to the
privacy or security of these sites, including the accuracy, completeness, or reliability of their
information. You acknowledge that the availability of third-party site links is merely for convenience
purposes, and that quickcreditz.com does not endorse, support, acknowledge, agree with, or otherwise promote the
contents of the third-party sites linked to our Site.

Security: To protect Personal information from unauthorized access and use, we use security measures
that comply with applicable federal and state laws. These measures may include device safeguards and secured
files and buildings as well as oversight of our third-party service providers to ensure information remains
confidential and secure. While we follow generally accepted industry standards to protect the Sensitive
Personal Information and PII submitted to us (both during your submission and after we receive it), please
be advised that no method of transmission over the Internet, or method of electronic storage, is 100%
secure. Therefore, while we strive to use commercially acceptable means to protect your Personal information
and PII, we cannot guarantee its absolute security. If you have any questions about security on our website,
you can e-mail us at [email protected].

Data Retention: We retain Personal information for as long as needed or permitted in light of the
purpose(s) for which it was collected. The criteria used to determine our retention periods include:

The length of time we have an ongoing relationship with you and as necessary to provide requested
services to you;
Whether there is a legal obligation to which we are subject (for example, certain laws require us to
keep records of your transactions for a certain period of time before we can delete them); and
Whether retention is advisable considering our legal position (such as, for statutes of limitations,
litigation, or regulatory investigations).

VII. STATE PRIVACY DISCLOSURES:

This section provides state specific disclosures which apply solely to consumers who reside in the states
listed. If you are a resident of one of these states, you have certain rights with respect to personal
information collected and the processing of your personal information which are subject to the applicable
state privacy laws.

Notice to California Residents: As a California resident, you have the following rights regarding your
personal information

Access. You have a right, twice in a 12-month period, to request that our Company
disclose to you the personal information that we collected about you, and any additional information about
our collection, use, disclosure, or sale of such personal information, which is also contained in this
privacy policy.
Correction. You have the right to request that we correct inaccurate personal
information under certain circumstances, subject to a number of exceptions provided under California law.
For information how to request the correction of personal information, please see section V of this policy,
and specifically subsection titled Submitting a Data
Request.
Deletion. You have the right to request that we delete your personal information
under certain circumstances, subject to a number of exceptions, subject to a number of exceptions provided
under California law. For information how to request the deletion of personal information, please see
section V of this policy, and specifically subsection titled Submitting a Data Request.
Opt-Out of the Selling or Sharing of your Data or Joint Marketing. You have
the right to opt out of the selling or sharing of your data. You also have the right to opt-out of joint
marketing effort that Company has with other financial service providers. The CCPA requires to describe the
categories of personal information our company sell or share to third parties and how to opt-out of future
sales or share of said information. The CCPA defines a “Sale” broadly to include the mere making of your
personal information available to third parties in some cases. Under the CCPA the term “Share” is defined as
providing personal information to a third party to target advertising to a consumer based on information
about their activity on multiple websites across the internet. For information how to request an opt-out of
the selling or sharing of your personal information, please see section V of this policy, and specifically
subsection titled Submitting a Data Request.
Disclosure Request. You have the right to request that we provide you with (i) a
list of certain categories of personal information we have disclosed to third parties for their direct
marketing purposes during the immediately preceding calendar year; and (ii) the identity of those third
parties. For information how to obtain a disclosure request of your personal information, please see section
V of this policy, and specifically subsection titled Submitting
a Data Request.
Appeal. You have the right to appeal Company’s decision to refuse to act on a CCPA
data privacy request within a reasonable period after you receive our decision. To appeal our decision, you
should send your objection to our denial via email to [email protected] and to allow
Company to review your data subject request. Within 45 days, Company will provide you with a written
explanation of the justification for declining to act on your request.
Authentication/Verification. To help protect your privacy and maintain security,
we will take steps to verify your identity before granting you access to your personal information or
complying with your request (except for a request to opt-out of sales or sharing). Company may require you
to provide any of the following information: your name, date of birth, your phone number, your
Social Security number, the email and physical addresses. If you request that we provide you with
specific pieces of personal information, we may require you to sign a declaration under penalty of perjury
that you are the consumer whose personal information is the subject of the request, or authorized personnel
of the consumer making the request. You understand that Company may decline to process your request where:
(i) Company is unable to authenticate that you are the person to whom the data relates; (ii) the request is
unreasonable or excessive; (iii) or where otherwise permitted by applicable law.
Retention. We retain personal data for as long as necessary to provide the
Services and fulfill the transactions you have requested, comply with our legal obligations, resolve
disputes, enforce our agreements, and other legitimate and lawful business purposes. Because these needs can
vary for different data types in the context of different Services, actual retention periods can vary
significantly based on criteria such as user expectations or consent, the sensitivity of the data, the
availability of automated controls that enable users to delete data, and our legal or contractual
obligations.
Notice of Financial Incentives. Company may offer rewards or prizes for
participation in certain activities that may be considered a “financial incentive” under California law.
These activities may involve the collection of personal information. The categories of personal information
we collect is limited to what information you provide us, but may include: identifiers, protected
class/demographic information, commercial information, online activities, geolocation information (general
and precise), sensory information, employment information, and inferences. Activities we engage in that may
be considered a financial incentive include surveys where we may provide compensation such as a gift card or
bonus in exchange for your time and responses, or a prize through your participation in promotions and
sweepstakes. Participation in these programs may be subject to separate terms and conditions. Your
participation in these programs is voluntary and you can terminate at any time as explained in any
applicable terms. If we offer gift cards in exchange for your participation in a survey or when we engage in
promotions or sweepstakes, the amount provided is reasonably related to the value of the data you provide,
which takes into account a number of factors, including, the anticipated benefit we receive such as product
improvement, better understanding how you use our products, to enhance our understanding of consumer and
market trends, increased consumer engagement, and the anticipated expenses we incur in relation to the
collection, storage, and use of the information we receive. The value may vary across surveys, promotions,
and sweepstakes.
Declining Requests. You understand that we may decline requests where granting the
request would be prohibited by law, could adversely affect the privacy or rights of another person, would
reveal a trade secret or other confidential information, would interfere with a legal or business obligation
that requires retention or use of the data, or because the data at issue is not covered under the law you
are asserting. Also, where permitted by law if you send us a request to exercise your rights or the choices
in this section, we may charge a fee or decline requests in certain cases.
Non-Discrimination. You have the right to not be discriminated against for
exercising any of your privacy rights.

Notice to Nevada Residents. We are providing you this Notice
pursuant to state law. You may be placed on our internal Do Not Call List by following the directions set
forth above. Nevada law requires that we also provide you with the following contact information: Bureau of
Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV
89101; Phone number: 702-486-3132; e-mail: [email protected].

Notice to Colorado Residents. If you are a Colorado resident, you have the following
rights regarding your personal information:

Access. You have a right, twice in a 12-month period, to request that our Company
disclose to you the personal information that we collected about you, and any additional information about
our collection, use, disclosure, or sale of such personal information, which is also contained in this
privacy policy.
Correction. You have the right to request that we correct inaccurate personal
information under certain circumstances, subject to a number of exceptions provided under Colorado law. For
information how to request the correction of personal information, please see section V of this policy, and
specifically subsection titled Submitting a Data
Request.
Deletion. You have the right to request that we delete your personal information
under certain circumstances, subject to a number of exceptions, subject to a number of exceptions provided
under Colorado law. For information how to request the deletion of personal information, please see section
V of this policy, and specifically subsection titled Submitting
a Data Request.
Opt-Out of the Selling or Sharing of your Data or Joint Marketing. You have
the right to opt out of the selling or sharing of your data. You also have the right to opt-out of joint
marketing effort that Company has with other financial service providers. The Colorado law requires to
describe the categories of personal information our company sell or share to third parties and how to
opt-out of future sales or share of said information. The Colorado law defines a “Sale” broadly to include
the mere making of your personal information available to third parties in some cases. Under the Colorado
law the term “Share” is defined as providing personal information to a third party to target advertising to
a consumer based on information about their activity on multiple websites across the internet. For
information how to request an opt-out of the selling or sharing of your personal information, please see
section V of this policy, and specifically subsection titled Submitting a Data Request.
Disclosure Request. You have the right to request that we provide you with (i) a
list of certain categories of personal information we have disclosed to third parties for their direct
marketing purposes during the immediately preceding calendar year; and (ii) the identity of those third
parties. For information how to obtain a disclosure request of your personal information, please see section
V of this policy, and specifically subsection titled Submitting
a Data Request.
Appeal. You have the right to appeal Company’s decision to refuse to act on a
Colorado law data privacy request within a reasonable period after you receive our decision. To appeal our
decision, you should send your objection to our denial via email to [email protected] and to allow
Company to review your data subject request. Within 45 days, Company will provide you with a written
explanation of the justification for declining to act on your request.
Authentication/Verification. To help protect your privacy and maintain security,
we will take steps to verify your identity before granting you access to your personal information or
complying with your request (except for a request to opt-out of sales or sharing). Company may require you
to provide any of the following information: your name, date of birth, your phone number, your
Social Security number, the email and physical addresses. If you request that we provide you with
specific pieces of personal information, we may require you to sign a declaration under penalty of perjury
that you are the consumer whose personal information is the subject of the request, or authorized personnel
of the consumer making the request. You understand that Company may decline to process your request where:
(i) Company is unable to authenticate that you are the person to whom the data relates; (ii) the request is
unreasonable or excessive; (iii) or where otherwise permitted by applicable law.
Retention. We retain personal data for as long as necessary to provide the
Services and fulfill the transactions you have requested, comply with our legal obligations, resolve
disputes, enforce our agreements, and other legitimate and lawful business purposes. Because these needs can
vary for different data types in the context of different Services, actual retention periods can vary
significantly based on criteria such as user expectations or consent, the sensitivity of the data, the
availability of automated controls that enable users to delete data, and our legal or contractual
obligations.
Declining Requests. You understand that we may decline requests where granting the
request would be prohibited by law, could adversely affect the privacy or rights of another person, would
reveal a trade secret or other confidential information, would interfere with a legal or business obligation
that requires retention or use of the data, or because the data at issue is not covered under the law you
are asserting. Also, where permitted by law if you send us a request to exercise your rights or the choices
in this section, we may charge a fee or decline requests in certain cases.
Non-Discrimination. You have the right to not be discriminated against for
exercising any of your privacy rights.

Notice for Vermont Residents. As a Vermont resident, you have the right to opt out of
the selling or sharing of your data. You also have the right to opt-out of joint marketing effort that Company
has with other financial service providers.

Notice for Connecticut Residents. As a Connecticut resident, you have the following
rights regarding your personal information:

Access. You have a right, twice in a 12-month period, to request that our Company
disclose to you the personal information that we collected about you, and any additional information about
our collection, use, disclosure, or sale of such personal information, which is also contained in this
privacy policy.
Correction. You have the right to request that we correct inaccurate personal
information under certain circumstances, subject to a number of exceptions provided under CTDPA. For
information how to request the correction of personal information, please see section V of this policy, and
specifically subsection titled Submitting a Data
Request.
Deletion. You have the right to request that we delete your personal information
under certain circumstances, subject to a number of exceptions, subject to a number of exceptions provided
under CTDPA. For information how to request the deletion of personal information, please see section V of
this policy, and specifically subsection titled Submitting a Data Request.
Opt-Out of Targeted Advertising. You have the right to opt-out of targeted
advertising and the sale of personal data. For information how to request an opt-out of targeted
advertising, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
Appeal. You have the right to appeal Company’s decision to refuse to act on a
CTDPA data privacy request within a reasonable period after you receive our decision. To appeal our
decision, you should send your objection to our denial via email to [email protected] and to allow
Company to review your data subject request. Within 60 days, Company will provide you with a written
explanation of the justification for declining to act on your request. If you disagree with our explanation
you have the right to contact or file a complaint with the Connecticut
Attorney General.
Authentication/Verification. To help protect your privacy and maintain security,
we will take steps to verify your identity before granting you access to your personal information or
complying with your request (except for a request to opt-out of sales or sharing). Company may require you
to provide any of the following information: your name, date of birth, your phone number, your
Social Security number, the email and physical addresses. If you request that we provide you with
specific pieces of personal information, we may require you to sign a declaration under penalty of perjury
that you are the consumer whose personal information is the subject of the request, or authorized personnel
of the consumer making the request. You understand that Company may decline to process your request where:
(i) Company is unable to authenticate that you are the person to whom the data relates; (ii) the request is
unreasonable or excessive; (iii) or where otherwise permitted by applicable law.
Declining Requests. You understand that we may decline requests where granting the
request would be prohibited by law, could adversely affect the privacy or rights of another person, would
reveal a trade secret or other confidential information, would interfere with a legal or business obligation
that requires retention or use of the data, or because the data at issue is not covered under the law you
are asserting. Also, where permitted by law if you send us a request to exercise your rights or the choices
in this section, we may charge a fee or decline requests in certain cases.

Non-Discrimination For Exercising Your Rights. You have the right to not be
discriminated against for exercising any of your privacy rights.

Notice to North Dakota Residents. As a North Dakota resident you have the right to
opt-out of joint marketing with other financial institutions. For information how to request an opt-out of
Joint Marketing, please see section V of this policy, and specifically subsection titled Submitting a Data Request.

Notice to Utah Residents. As a Utah resident, you have the following rights regarding
your personal information:

Access. You have a right, twice in a 12-month period, to request that our Company
disclose to you the personal information that we collected about you, and any additional information about
our collection, use, disclosure, or sale of such personal information, which is also contained in this
privacy policy.
Obtaining
a portable copy of your personal data.
To obtain a copy of your personal data that you previously provided to us in a portable format, please
submit an “Access” request as described above. While these requests are distinct, we have not identified
any technically feasible and readily usable format that would allow you to transmit this data to another
controller. Therefore, we will provide you a copy of your personal data so that we honor your request as
best is technically feasible.
Deletion.
You have the right to request that we delete your personal information under certain circumstances,
subject to a number of exceptions, subject to a number of exceptions provided under Utah law. For
information how to request the deletion of personal information, please see section V of this policy, and
specifically subsection titled Submitting a Data Request.
Opt-Out
of Targeted Advertising.
You have a right to opt-out of targeted advertising and the sale of personal data. For information how to
request the opt out of targeted advertising, please see section V of this policy, and specifically
subsection titled Submitting a Data Request.
Authentication/Verification.
To help protect your privacy and maintain security, we will take steps to verify your identity before
granting you access to your personal information or complying with your request (except for a request to
opt-out of sales or sharing). Company may require you to provide any of the following information:
your
name, date of birth, your phone number, your Social Security number, the email and physical
addresses.
If you request that we provide you with specific pieces of personal information, we may require you to
sign a declaration under penalty of perjury that you are the consumer whose personal information is the
subject of the request, or authorized personnel of the consumer making the request. You understand that
Company may decline to process your request where: (i) Company is unable to authenticate that you are the
person to whom the data relates; (ii) the request is unreasonable or excessive; (iii) or where otherwise
permitted by applicable law.
Declining
Requests.
You understand that we may decline requests where granting the request would be prohibited by law, could
adversely affect the privacy or rights of another person, would reveal a trade secret or other
confidential information, would interfere with a legal or business obligation that requires retention or
use of the data, or because the data at issue is not covered under the law you are asserting. Also, where
permitted by law if you send us a request to exercise your rights or the choices in this section, we may
charge a fee or decline requests in certain cases.
Non-Discrimination. You have the right to not be discriminated against for
exercising any of your privacy rights.

Notice to Virginia Residents. As a Virginia resident, you have the following rights
regarding your personal information:

Access. You have a right, twice in a 12-month period, to request that our Company
disclose to you the personal information that we collected about you, and any additional information about
our collection, use, disclosure, or sale of such personal information, which is also contained in this
privacy policy.
Correction. You have the right to request that we correct inaccurate personal
information under certain circumstances, subject to a number of exceptions provided under Virginia law. For
information how to request the correction of personal information, please see section V of this policy, and
specifically subsection titled Submitting a Data
Request.
Deletion. You have the right to request that we delete your personal information
under certain circumstances, subject to a number of exceptions, subject to a number of exceptions provided
under Virginia law. For information how to request the deletion of personal information, please see section
V of this policy, and specifically subsection titled Submitting
a Data Request.
Opt-Out of Targeted Advertising. You have a right to opt-out of targeted
advertising and the sale of personal data. For information how to request the opt out of targeted
advertising, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
Obtaining a portable copy of your personal data. To obtain a copy of your personal
data that you previously provided to us in a portable format, please submit an “Access” request as described
above. While these requests are distinct, we have not identified any technically feasible and readily usable
format that would allow you to transmit this data to another controller. Therefore, we will provide you a
copy of your personal data so that we honor your request as best is technically feasible.
Appeal. You have the right to appeal Company’s decision to refuse to act on a
CTDPA data privacy request within a reasonable period after you receive our decision. To appeal our
decision, you should send your objection to our denial via email to [email protected] and to allow Company
to review your data subject request. Within 60 days, Company will provide you with a written explanation of
the justification for declining to act on your request. If you disagree with our explanation you have the
right to file a complaint with the Virginia Attorney
General.
Authentication/Verification. To help protect your privacy and maintain security,
we will take steps to verify your identity before granting you access to your personal information or
complying with your request (except for a request to opt-out of sales or sharing). Company may require you
to provide any of the following information: your name, date of birth, your phone number, your
Social Security number, the email and physical addresses. If you request that we provide you with
specific pieces of personal information, we may require you to sign a declaration under penalty of perjury
that you are the consumer whose personal information is the subject of the request, or authorized personnel
of the consumer making the request. You understand that Company may decline to process your request where:
(i) Company is unable to authenticate that you are the person to whom the data relates; (ii) the request is
unreasonable or excessive; (iii) or where otherwise permitted by applicable law.
Declining Requests. You understand that we may decline requests where granting the
request would be prohibited by law, could adversely affect the privacy or rights of another person, would
reveal a trade secret or other confidential information, would interfere with a legal or business obligation
that requires retention or use of the data, or because the data at issue is not covered under the law you
are asserting. Also, where permitted by law if you send us a request to exercise your rights or the choices
in this section, we may charge a fee or decline requests in certain cases.
Non-Discrimination. You have the right to not be discriminated against for
exercising any of your privacy rights.

Notice to Users Outside of the United States. This Online Privacy Policy is intended
to cover collection of information on our Sites from residents of the United States only. If you are visiting
our Site from outside the United States, please be aware that your information may be transferred to, stored
and processed in the United States where our servers are located and our central database is operated. The
data protection and laws of the United States and other countries might not be as comprehensive as those in
your country. By using our services, you understand that your information may be transferred to our facilities
and those third-parties with whom we share it as described in this Notice. We do not sell, offer, or otherwise
provide services to individuals outside of the United States.

VIII. MISCELLANEOUS

Social media sites. quickcreditz.com provides experiences on social media platforms that enable
online sharing and collaboration among users who have registered to use them. Any content you post on official
quickcreditz.com managed social media pages, such as pictures, information, opinions, or any Personal information that
you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy
Policies of those respective platforms. By allowing you to post or share information on quickcreditz.com’s social
media pages, you acknowledge that quickcreditz.com does not endorse, support, acknowledge, or otherwise agree with the
posted information and any such posts shall be your sole responsibility. You also agree that quickcreditz.com may use
any information posted by you on quickcreditz.com’s social media for any purpose provided in this Notice. Please refer
to them to better understand your rights and obligations with regard to such content. In addition, please note
that when visiting any official quickcreditz.com social media pages, you are also subject to quickcreditz.com‘s Privacy
Notices, in addition to any social media platform’s Privacy Notice to which you may be subject to.

Short Message Service. Note that this policy notice does not replace your opt in requirements.
We may make available a service through which you can receive communications your wireless device via
short message service (“SMS Service”). Data obtained from you in connection with this SMS service may include
your name, address, cell phone number, your provider’s name, and the date, time, and content of your messages.
By providing your contact information, you affirmatively represent that you are 18 years of age and the owner
or authorized user of the wireless device on which messages will be received, and that you understand that
such communication may be subject to certain applicable charges, and that you approve all such applicable
charges. In addition to any fee of which you are notified, your provider’s standard message and data rates may
apply to our SMS confirmation and all subsequent SMS correspondence. All charges for data rates are billed by,
and payable to, your mobile service provider. We will not be liable for any delays in the receipt of any SMS
messages, as delivery is subject to effective transmission from your network operator. We will not be liable
if SMS are received after hours due to such transmission delays. SMS message services are provided on an AS IS
basis. We may also obtain the date, time, and content of your messages in the course of your use of the SMS
Service. We will use the information we obtain in connection with our SMS Service in accordance with this
Privacy Policy. We may provide your carrier with your applicable information in connection with your consent
to receive SMS. Your wireless carrier and other service providers may also collect data about your wireless
device usage, and their practices are governed by their own policies. We will not be liable for any data use
or misuse by your wireless carrier.

You acknowledge and agree that the SMS Service is provided via wireless systems which use radios (and other
means) to transmit communications over complex networks. You must have a two-way text-enabled phone with
compatible carrier and plan. Compatible major carriers include Alltel Wireless, AT&T, Boost Mobile,
Nextel, Sprint, T-Mobile, Verizon Wireless and Virgin Mobile USA. We do not guarantee that your use of the SMS
Service will be private or secure, and we are not liable to you for any lack of privacy or security you may
experience. You are fully responsible for taking precautions and providing security measures best suited for
your situation and intended use of the SMS Service.

SMS and Phone Call Opt-In. Note that this policy notice does not replace your express written consent
and opt in requirements. By completing a lead or contact form and affixing you electronic
signature, in compliance with the E-SIGN act and disclosure which is available to you in the
link above or in the footer of our Site, you have agreed to give quickcreditz.com, LLC your express
signed prior written consent and authorize quickcreditz.com, LLC, and direct representatives calling
on its behalf to contact you via telephone calls, or mobile device messages, online live chat and chatbots
(including marketing calls and messages through by autodialing, text and pre-recorded messaging, AI generative
voice, SMS, and MMS), even if my telephone number is currently listed on any internal, corporate, state or
federal Do-Not-Call list. Msg. and data rates may apply, and you may opt out of text messages at any time by
texting “HELP” for help, and “STOP”, “END”, “QUIT”, “UNSUBSCRIBE”, “OPT OUT”, “REVOKE” or “CANCEL” to opt out
from any future communications. You may also choose to opt-out and remove your authorization to receive such
calls and/or text messages by emailing us your instructions at [email protected]. You also consent to the
recording and monitoring of all calls to and from us. Further, by providing your e-mail above, you authorize
and give quickcreditz.com, LLC your express written consent, to receive electronic communications,
including periodic emails with important news, financial tips, tools and more from quickcreditz.com, LLC. You
understand that you can always withdraw your consent or unsubscribe at any time at [email protected].
You are not required to obtain goods or services or to be connected with any of the service
providers that can fit my needs and that I may choose to call quickcreditz.com, LLC’s representative instead at
1.800.810.0989.

Making Sure Information is Accurate. You understand and agree that quickcreditz.com presumes that
the Personal Information you provided is, indeed, accurate. quickcreditz.com will not be responsible for verifying
that Personal Information. You understand that if you use any automated decision making features on our Site,
it is crucial that you provide accurate PII and/or Sensitive Personal Information being requested in order for
the automated decision making feature to process and provide you with an accurate decision and/or result. It
is your responsibility to ensure the information provided is accurate and up to date. If you have previously
submitted information which is incomplete, inaccurate or not current, please email or write us at the
appropriate address, or complete a data request form, with updated information which you would like us to use
in our communication with you.

Business Transitions. You understand and agree that if quickcreditz.com goes through a business
transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your
Personal information, PII, and additionally collected information will likely be among the assets transferred.

Do Not Track Disclosures

How do we
respond to Web browser “do not track” (also referred to as “DNT”) signals or other mechanisms that provide
consumers the ability to exercise choice regarding the collection of personally identifiable information
about an individual consumer’s online activities over time and across third-party websites or online
services?

ANSWER: We currently do not respond to DNT signals in browsers because we do
not track individual users across the web.

May other
parties collect personally identifiable information about an individual consumer’s online activities over
time and across different websites when they visit www.quickcreditz.com?

ANSWER: Yes, we currently have technology partners that provide us with Site
tools which the consumer may use while visiting our site, which when used share personally identifiable
information with our technology Partners. For Example, should you use the Instant Debt
Advisor^SM, certain information is shared with the technology provider, All Clear Decisioning,
LLC, and may also be shared with third-party service providers.

Protecting Children’s Privacy Online (Children’s Online Privacy Protection Act (COPPA)) Disclosure.
The Site is not directed to individuals under the age of eighteen (18), and we request that these
individuals do not provide Personally Identifiable Information (PII) through the Site. We do not knowingly
collect information from children under 18 years of age without parental consent. If you are a User under the
age of 18, please do not send any PII to us if we have not obtained prior consent from your parent or
guardian. If we learn we have collected PII from a User under the age of 18 without parental consent, or if we
learn a User under the age of 18 has provided us with PII beyond what we request from him or her, we will
delete that information as quickly as possible. If you believe that a User under the age of 18 may have
provided quickcreditz.com with PII in violation of this Privacy Policy, please contact us at our e-mail or physical
mailing address listed in the “Contact Us” section below and we will take all reasonable efforts to remove the
information. For more information about the Children’s Online Privacy Protection Act (COPPA), please visit the
Federal Trade Commission website at https://www.ftc.gov/business-guidance/privacy-security/childrens-privacy.

English Language Govern this Privacy Notice. You acknowledge and agree that the text of this
Privacy Notice, including any and all linked pages or other page Sites, have been written, and are offered, in
both English and Spanish. Each version is authentic. In the event of any dispute regarding this Privacy
Policy, however, the English version shall be given priority of interpretation and shall therefore be
controlling. Additionally, all notifications shall be provided by one party hereunder to the other party in
the English language. You may request a copy of this Privacy Notice in Spanish for your records.

Updates to this Privacy Notice. This Online Privacy Notice is subject to change at the sole
discretion of quickcreditz.com. Please review the Privacy Policy periodically to see if there are any changes. If we
make changes to the Privacy Notice, we will revise the “Last Updated” date at the top of this Notice. Any
changes to this Notice will become effective when we post the revised Notice on the Site. You agree that your
use of the Site following any changes to this Notice means that you accept the revised Notice and the Privacy
policies therein.

PLEASE PRINT AND RETAIN A COPY OF THIS PRIVACY POLICY FOR YOUR RECORDS.