Privacy Policy

Last Updated: February 24, 2026

This Privacy Policy (the “Policy”) describes how Forday Holdings LLC, a California limited liability company doing business as FullTimeCreditRepair.com (“Company,” “we,” “us,” or “our”), collects, uses, discloses, and protects personal information in connection with our website at https://fulltimecreditrepair.com (the “Website”), our credit repair services, our “Starting From ZERO” educational program, text messaging services, and all related interactions (collectively, the “Services”).

Our principal place of business for operations is 3550 Paradise Road #607, Las Vegas, Nevada 89169. Although the Company is formed under the laws of the State of California, we conduct substantial business activities in Nevada, including client services, billing, and data processing.

We are committed to safeguarding your privacy in strict compliance with applicable federal and state laws, including the federal Credit Repair Organizations Act (15 U.S.C. §§ 1679 et seq.), the Gramm-Leach-Bliley Act (to the extent applicable), California Consumer Privacy Act of 2018 as amended by the California Privacy Rights Act of 2020 (CCPA/CPRA), Nevada Revised Statutes Chapter 603A (including amendments providing opt-out rights for sales of personal information), and other relevant privacy regulations. This Policy details our practices and your privacy rights.

By accessing or using the Website or Services, you consent to the collection, use, disclosure, and processing of your personal information as set forth in this Policy. If you do not agree with these practices, you must immediately discontinue use of the Website and Services.

1. Information We Collect

We collect the following categories of personal information:

• Identifiers and Contact Information: Full name, mailing address (including Nevada addresses for operational purposes), email address, telephone number, date of birth, and other direct identifiers provided during enrollment, consultations, account setup, or communications.
• Sensitive Personal Information: Social Security number, full or partial credit report data, financial account details, government-issued identification numbers, and other sensitive identifiers required to deliver credit repair Services (collected only with your explicit authorization).
• Commercial and Financial Information: Payment and billing details (processed securely via third-party gateways), transaction history for Services (including “Starting From ZERO” purchases), and records of Services rendered.
• Internet/Network Activity and Device Data: IP address (which may indicate Nevada or other locations), browser type/version, device identifiers, operating system, pages viewed, timestamps, referral sources, clickstream data, and usage analytics collected automatically via cookies, pixels, server logs, and similar technologies.
• Geolocation Data: Coarse/approximate location inferred from IP address (no precise geolocation collected without consent).
• Inferences and Preferences: Derived insights from interactions to tailor Services and communications.
• Other Information: Communications content (e.g., emails, chats, call recordings where permitted), professional/educational details related to credit inquiries or business training interests.

We obtain this information directly from you (via forms, calls, portals, or uploads), automatically through Website interactions, from credit reporting agencies/furnishers (with your consent for credit repair), and from trusted third-party service providers.

2. How We Use Your Information

We process personal information solely for legitimate business purposes, including:

• Providing, administering, and enhancing the Services (e.g., dispute preparation/submission, educational content delivery, customer support).
• Processing payments and managing billing (displayed as “LEGITLY” by Forday Holdings LLC).
• Communicating account updates, Service notifications, responses to inquiries, and opt-in marketing (with clear unsubscribe options).
• Verifying identity, preventing/detecting fraud, ensuring security, and complying with legal obligations (including CROA requirements).
• Personalizing experiences, analyzing trends, conducting internal research/audits, and developing/improving features.
• Protecting Company rights, property, safety, or enforcing our Terms and Conditions.

We do not process information for purposes materially different from those disclosed without updated notice and, where required, your consent.

3. Sharing and Disclosure of Information

We do not sell your personal information as defined under CCPA/CPRA or Nevada law, and we do not engage in sales for monetary consideration to third parties for their independent use. We disclose information only as follows:

• To contracted service providers/processors (e.g., payment processors, hosting providers, analytics vendors, dispute tools) who are contractually obligated to use data only for our purposes and maintain confidentiality/security.
• To credit bureaus, furnishers, or necessary entities to perform authorized credit repair Services.
• In connection with corporate transactions (e.g., mergers, acquisitions) where the transferee assumes equivalent privacy commitments.
• To comply with legal processes (subpoenas, court orders, regulatory requests), enforce agreements, prevent fraud/harm, or protect rights/safety.
• With your explicit consent or at your direction.
• As aggregated, de-identified, or anonymized data that cannot reasonably identify you.

4. Cookies and Tracking Technologies

We employ cookies, web beacons, pixels, and similar tools for essential functionality, performance analysis, and limited personalization. You may adjust preferences through browser settings or device controls, though disabling may limit certain features. For details, refer to browser documentation or our Cookie Notice (if posted separately).

5. Data Security

We maintain reasonable administrative, technical, and physical safeguards aligned with industry standards (e.g., encryption in transit via SSL/TLS, access controls, regular vulnerability assessments) to protect against unauthorized access, alteration, disclosure, or destruction. Despite these measures, no Internet transmission or electronic storage is completely secure. You use the Services at your own risk.

6. Data Retention

We retain personal information only as long as necessary for the purposes outlined, to comply with legal obligations (including CROA record-keeping), resolve disputes, or enforce agreements. Thereafter, data is securely deleted, anonymized, or aggregated.

7. Your Privacy Rights

Your rights vary by location:

• California Residents (CCPA/CPRA): You may request to know categories/sources of collected information, purposes/use, categories shared/disclosed; request deletion (with exceptions); opt out of any sale/sharing (we do not sell/share for cross-context behavioral advertising); limit sensitive information use (limited to necessary Service delivery); and non-discrimination for exercising rights. Submit verifiable requests via the Contact section below (include “CCPA Request” in subject). We respond within statutory periods (45 days, extendable).
• Nevada Residents (NRS 603A): You may opt out of any sale of covered information (we do not sell). Submit opt-out requests to the Contact information below.
• All Users: Access, correct, or delete certain data by contacting us (verification may be required). Authorized agents may submit on your behalf with proof.

8. Children’s Privacy

Services are not intended for individuals under 18 (or under 13 per COPPA). We do not knowingly collect data from children. If discovered, we delete promptly. Contact us if you believe a child has provided information.

9. International Users and Data Transfers

Services are hosted/processed in the United States (including Nevada operations). Access from outside the U.S. involves transfer to and processing in the U.S., where privacy protections may differ. By using Services, you consent to such transfers.

10. Changes to This Policy

We may revise this Policy to reflect evolving practices, technology, or law. The “Last Updated” date reflects changes. Material updates will be posted here and, where appropriate, notified via email or Website notice. Continued use after changes constitutes acceptance.

11. Contact Information

For questions, rights requests, opt-outs, or concerns:

Forday Holdings LLC 3550 Paradise Road #607 Las Vegas, Nevada 89169 Email: support@fulltimecreditrepair.com

For California-specific requests, include “CCPA/CPRA Request” in the subject line.

This Policy supplements our Terms and Conditions and any Service Contract. It is drafted to align with best practices of leading consumer financial services providers nationwide. For tailored legal guidance, consult an attorney licensed in the relevant jurisdiction.

By continuing to use our Website or Services, you acknowledge that you have read, understood, and agree to this Privacy Policy.