Privacy Policy

Last Updated: February 23, 2026 • Effective Date: February 23, 2026

RJ Business Solutions ("we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website, use our credit repair services, or interact with us in any way.

1. Information We Collect

1.1 Personal Information You Provide

• Contact Information: Full name, email address, phone number, mailing address
• Financial Information: Credit report data (accessed through MyFreeScoreNow with your authorization), credit scores, account information relevant to credit repair
• Payment Information: Credit/debit card details processed through Stripe (we do not store your full card number)
• Identity Verification: Date of birth, last four digits of SSN (only when required for credit bureau communication)

1.2 Automatically Collected Information

• IP address and approximate geolocation
• Browser type and version
• Device information
• Pages visited and time spent on our site
• Referring URL and UTM parameters

2. How We Use Your Information

• To provide credit repair services as described in your service agreement
• To communicate with credit bureaus and furnishers on your behalf
• To process payments securely through Stripe
• To send service-related communications (reports, updates, billing)
• To respond to your inquiries and provide customer support
• To comply with legal obligations and regulatory requirements
• To improve our services and website functionality

3. How We Share Your Information

We do not sell, rent, or trade your personal information. We share your information only in the following circumstances:

• Credit Bureaus: TransUnion, Equifax, and Experian — as necessary to file disputes on your behalf with your written authorization
• Creditors/Furnishers: As necessary to challenge inaccurate reporting on your behalf
• Payment Processor: Stripe, Inc. — to process secure payments (Stripe Privacy Policy)
• Credit Monitoring: MyFreeScoreNow — you enroll directly with them; we access your reports with your authorization
• Legal Requirements: When required by law, regulation, legal process, or enforceable governmental request

4. Data Security

We implement industry-standard security measures to protect your personal information, including:

• TLS/SSL encryption for all data transmitted to and from our website
• Encrypted storage of sensitive data
• Limited access to personal information on a need-to-know basis
• Regular security reviews and updates
• Stripe PCI-DSS compliant payment processing (we never store full card numbers)

5. Data Retention

• Service Records: Maintained for 2 years after service completion (CROA record retention requirement under 15 U.S.C. § 1679c(c))
• Payment Records: Maintained for 7 years for tax and legal compliance
• Marketing Data: Until you opt out or request deletion
• Telemarketing Records: Maintained for 5 years (TSR recordkeeping requirement under 16 C.F.R. § 310.5)

6. Your Rights

All Consumers

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate personal information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Opt-Out: Opt out of marketing communications at any time

California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):

• Right to know what personal information we collect, use, and disclose
• Right to delete your personal information
• Right to opt out of the sale of your personal information (we do not sell your data)
• Right to non-discrimination for exercising your privacy rights
• Right to correct inaccurate personal information
• Right to limit use of sensitive personal information

7. Cookies and Tracking

Our website may use cookies and similar tracking technologies to improve your experience. You can control cookie settings through your browser. We do not use cookies to collect personal financial information.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe we have collected information from your child, please contact us immediately.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the updated policy.

10. Contact Us

For privacy-related inquiries or to exercise your rights:
RJ Business Solutions
1342 NM 333, Tijeras, New Mexico 87059
Email: rickjefferson@rickjeffersonsolutions.com
Website: rickjeffersonsolutions.com