Privacy Policy

Effective Date: 2026-05-17

Welcome to Platinum Coaching LLC. We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data in compliance with applicable laws and regulations, including the Federal Trade Commission (FTC) guidelines, the Fair Credit Reporting Act (FCRA), the General Data Protection Regulation (GDPR), and the California Consumer Privacy Act (CCPA). We collect the following types of personal information: Contact Information including name, email address, and phone number; Financial Information including soft credit data, wallet balance, and unsecured credit line approvals collected in compliance with FCRA regulations; and Usage Data including information about how you use our services, interaction data, and preferences. We collect information through Direct Interactions when you provide information by filling out forms or communicating with us; Automated Technologies through cookies and similar tracking technologies as you interact with our website; Third Parties from partners and service providers who assist us in delivering our services; and Credit Pre-Screening, where we may collect financial data through a soft credit pull authorized under the FCRA for the purpose of determining financial qualifications. We process your personal information for the following purposes: Service Delivery to provide and manage our services effectively; Personalization to tailor our services to your preferences; Communication to send updates, newsletters, and marketing materials where permitted; and Compliance to adhere to legal obligations, including FCRA compliance for credit pre-screening. By submitting your name, email, and phone number through any of our forms, you grant Platinum Coaching LLC a perpetual, irrevocable, worldwide, royalty-free license to own and use any content, recordings, photographs, videos, testimonials, messages, or results that you share with us or that are created in the course of providing our services, for marketing, advertising, and promotional purposes across any media now known or developed in the future, without further notice, approval, or compensation. Our legal grounds for processing personal data under GDPR include: Consent when you have given explicit consent for specific purposes; Contractual Necessity to fulfill our contractual obligations to you; Legal Obligation to comply with legal and regulatory requirements, including FCRA mandates; and Legitimate Interests for purposes such as improving our services, provided these interests are not overridden by your rights. Under GDPR, you have the right to: Access your personal data; Rectify inaccurate data; Erase your data; Restrict processing under certain conditions; receive Data Portability in a structured, commonly used format; and Object to processing based on legitimate interests. Under CCPA, you have the Right to Know — disclosure of categories and specific pieces of personal information we have collected; Right to Delete your personal information; Right to Opt-Out of the sale of your personal information; and Non-Discrimination — the right not to be discriminated against for exercising your CCPA rights. Under FCRA, you have Access to Credit Data — you can request information about your credit data collected during the pre-screening process; the right to Dispute Inaccuracies in your credit information and request corrections; and Purpose Disclosure — we conduct soft credit pulls strictly for the purpose of financial qualification, as permitted by FCRA regulations. To exercise these rights, please contact us at the contact information provided below. We may share your personal information with: Service Providers — third parties who assist us in providing our services; Legal Obligations — authorities when required by law or to protect our rights; and Business Transfers — in connection with mergers, acquisitions, or asset sales. Soft credit pull data is shared only with authorized entities in compliance with FCRA regulations. We retain personal information only as long as necessary to fulfill the purposes for which it was collected, including legal, accounting, or reporting requirements. FCRA data is retained securely for the duration required by law. We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction, in compliance with FTC, GDPR, CCPA, and FCRA standards. If we transfer personal data outside the European Economic Area (EEA), we ensure appropriate safeguards are in place, such as Standard Contractual Clauses or adequacy decisions. Our services are not directed to individuals under 16. We do not knowingly collect personal information from children under 16. We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on our website. If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at: Platinum Coaching LLC, 651 North Broad Street, Suite 201, Middletown, DE 19709, United States. Email: [email protected]. Phone: +1 541-287-7149.